davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I'm writing to share my concerns about several issues I've encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

THIS is the XXXX time I have requested help from the CFPB about this issue. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Cell phone # XXXX Subject : Urgent Request for Resolution of Delayed Student Loan Refund Under VA XXXX Forgiveness To Whom it May Concern : I am writing to formally request your assistance in securing the refund of my student loan payments made after the effective date of my 100 % VA XXXX determination. On XX/XX/year>, I was awarded a 100 % VA XXXX rating. According to federal law, all federal student loans should have been forgiven with an effective date matching my XXXX award, and any payments made after this date are eligible for a refund. 
After XX/XX/year>, XXXX payments totaling {$3200.00} were made to Mohela for my student loans. Although my student loans have since been discharged, I have not received the refund owed for those payments. I have made XXXX attempts to resolve this issue directly with Mohela, the servicer handling my loans, via email. Mohela consistently directed me to the U.S. Department of Education, indicating that only the Department of Education has the authority to issue refunds. However, after waiting for over 90 days following an inquiry submission to the Department of Education, I received a brief email response stating that Mohela, not the Department, was responsible for issuing refunds. I have attempted to resolved this matter directly with the Department of Education but customer service states they will submit an inquiry but have no idea what the issue is. 

This lack of accountability is deeply concerning, particularly given that it has now been XXXX months since my effective date of eligibility. I respectfully request your support in urging both Mohela and the Department of Education to issue my refund without further delay. It is neither reasonable nor fair that a simple refund process has become an unresolved burden due to inadequate communication and lack of follow-through by these agencies. 
I would like the refund of {$3200.00} to be issued directly to me by check, sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I trust in your offices ability to advocate on behalf of veterans like myself who deserve timely adherence to legally guaranteed benefits. I look forward to your assistance in holding these agencies accountable and securing the refund I am owed. 
Respectfully, XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX XXXXAccount number XXXX XXXX XXXX/ Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are inaccurate that needs to be removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This letter is to formally dispute the validity of the alleged debt referenced above and to notify you of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Dispute of Alleged Debt : Pursuant to the FDCPA, specifically 15 U.S.C. 1692g, I am exercising my right to dispute this alleged debt. I am requesting verification of the debts validity, including but not limited to all relevant information proving I am responsible for this debt and that the amount claimed is accurate and legally owed. Until you can provide proper validation of the debt, I dispute its validity and any associated liability. 

Cease Communication : Under FDCPA Section 805 ( c ), 15 U.S.C. 1692c ( c ), I formally request that you cease all communications with me regarding this alleged debt. This includes all phone calls, emails, letters, or any other forms of communication to myself, my family members, or my place of employment. 

Compliance with the Fair Credit Reporting Act ( FCRA ) : If you have reported any information about this alleged debt to any consumer reporting agency, I request immediate investigation and verification of the accuracy of the information under FCRA guidelines. Failure to verify this debts legitimacy could result in inaccurate information being reported on my credit report, which would be a violation of the FCRA, and I reserve the right to pursue legal remedies if such inaccurate reporting occurs. 

Removal of Any Reporting on Unvalidated Debt : Should the debt remain unverified within the time specified by law, I request that all reports or entries about this alleged debt be immediately removed from my credit report. Reporting unverifiable information is in violation of FCRA Section 623 ( a ) ( 3 ). 
Please provide me with written confirmation that your agency has complied with these requests within the next 30 days. Failure to validate this debt and cease communication may result in further actions to protect my rights. 

1. XXXX XXXX XXXX - Account Number : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NV)

For the past two years I have been contacting Bread Financial because of two disputes I needed to submit, these disputes totaled {$800.00}. I have contacted them through phone, the card portal and through email. Just recently I've been emailing them consistently for the past couple months and they have been blatantly ignoring me. The main three people that I was told would be able to help me are the ones ignoring me, XXXX XXXX, XXXX XXXX and XXXX XXXX. The other representatives that I've spoken to over the years of trying to resolve this, have never been able to help me because they have told me straight out that they don't know what to do. Nobody I spoke to was trained enough to help me with a simple matter and instead they just ignored me hoping I would leave. I've even tried getting in touch with the legal department to take action, again I was blatantly ignored. This is unacceptable and unprofessional of them.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX P, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights.

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX / XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act,, has violated my rights.

In Accordance with the Fair Credit Reporting act,, has violated my rights.

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I got a letter from capital one stating they were sending my account to collections. With this particular card Ive never received statements of any kind from capital one and I checked my credit report and seen someone opened it without my consent or knowledge. Contacted capital one and they are doing an investigation and I filed a police report as well. I disputed this also on my credit report.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

The XXXX XXXX XXXX agency was not given authorization or permission to release this information to my credit report. Also, it violates consumer law and is grounds for a lawsuit, in violation with Federal consumer laws and also the most recent supreme case laws. Only credit transactions and loans are reported to the credit report, with the permission of the consumer. I HAVE NOT given permission or signed any contract. I have NOT received any contract of my consent or validation or proof of debt with my permission. Other credit report agencies have removed this item in compliance with the federal laws. Not removing this item is grounds for lawsuit, in that, injuries have been accrued on my end. XXXXXXXX XXXX XXXX, as also solicited my social security number from the other participant, with the intent of collecting money not only for him, but also for themselves, which is Aggravated Identity Theft. Department of Child Support services, receives 66 % of every dollar they collect, and to ask for my SSN without my permission, also violates the federal laws and is fraud and criminal.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (NV)

I have called and reported that my card was lost! and as of today they are calling me and asking me the same question, which i'm at work and going through a lot of stuff. why is it my responsibility to constantly explained myself over and over. they are putting me in a XXXX  situation. and i had to constantly repeat my social security number to them? who are they people? XXXX? 

does anyone know if still harassments can be handle at the federal level?
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with | Maximum Accuracy. There are also inaccurate amounts being reported from different credit bureaus and payment dates have been inaccurate. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Also accounts with I correct account amounts and payment dates I feel should be deleted as this is a violation. Also the address is incorrect and I want deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX needs to be deleted. My address is XXXX XXXX XXXX XXXX XXXX SC XXXX. Thanks
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MI)

XX/XX/2023 {$5900.00} I was traveling in XXXX at this time and someone stole my wallet and my phone. 
I reported to the police and they called me in that they found my phone. Then I checked my phone and realized that they used my card and my phone to make a purchase via XXXX XXXX 
I called the Discover bank to let them know what happened and they started investigating On XX/XX/2023 I called in to check the status regarding the fraud that occurred amd they told me that it was denied. 
I told them that I didn't have the phone with me when the purchase were made with my phone. 
And they started re investigating. 
On XX/XX/2023 I called again for an update and thay explained that the dispute was denied due to the purchase being via XXXX XXXX and the Discover app was opened. 
I again explained that that is not possible because I didn't have it with me when it happened. But they said that they only do 2 investigation and once it's denied it can not be opened again unless there's any supported documents. 
On XX/XX/2023 I sent the police report that I filed which in XXXX with the translation. 
However not surevif the claim will be reopened so I wanted to do anything to solve it.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

A XXXX XXXX XXXX debt account being serviced by Advantage with partial account number XXXX has been showing on my credit report with all XXXX credit reporting agencies since last year. I have tried to reach out to Advantage multiple times by phone to get proof of debt as I do not have anyone in school with financial assistance nor have I applied for XXXX. Everytime I call I get a recording and when I choose the option to talk to someone the call hangs up everytime. The account is showing current with someone ( not me ) making payments on it. I have disputed this account multiple times with all XXXX credit reporting agencies since XX/XX/XXXX asking for proof of debt and each credit reporting responds to my disputes that the debt is valid without providing proof of debt.