davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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. (FL)

XXXX XXXX My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 and XX/XX/2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like Equifax, XXXX, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. 

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to Equifax, XXXX, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

Equifax, XXXX, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance. 

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that Equifax, XXXX, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In addition to XXXX XXXX  HARD INQUIRY XXXX resulting in another individual using XXXX XXXX, getting into XXXX  XXXX profile, changing info on that XXXX  XXXX profile IN PROGRESS confirmed XXXX ... XXXX XXXX XXXX XXXX HARD INQUIRY, address and phone not mine IN PROGRESS waiting on XXXX  XXXX investigation ... ..NEWLY FOUND EQUIFAX verified info I sent for my verification and I FOUND on XXXX a HARD INQUIRY dated XXXX that is NOT MINE. Equifax sent email to XXXX ( my other email ) saying Equifax is waiting on XXXX  XXXX to finish their investigation before Equifax will take off this XXXX HARD INQUIRY that is NOT MINE.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-06-12
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. (MN)

This account has been charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as a collection account every single month. This is an update in the payment history. A charged off account should not include an active payment history. The balance has been updated to XX/XX/XXXX. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly and have violated my rights. I am demanding a deletion of the following accounts. 
XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NE)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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 2024-06-12
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. (TN)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-12
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. (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX
Consumer complaint received 2024-06-12
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. (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO. XXXX
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I own my own business and have had an account with Bank of America for probably close to or more than 10 years. I recently lost my debit card ( I use it nearly daily for purchases for the business ) I was told 6-10 for a new card. I didnt think would be a big deal as I could go to the bank and cash a check, and just use cash, as many businesses do not take checks because of bounced checks. So I went to the branch with a check written to cash for {$5000.00}. I was asked to insert my debit card, I explained to the teller I had reported it lost. Minutes go by 'Im just standing there waiting for her to simply cash the check, then she ask for my drivers license, Ok no problem checking to see that it is me. Another minute or two goes by... I'm thinking I know how much is in my account there is no reason this is taking this long. Then the teller calls someone... ..she says we need the manager??? Why???? I am then informed the Bank DOES NOT CASH CHECKS ANYMORE!!!!!! What????? It's my money, you have it and I need it. The manager said as of Monday XX/XX/year> they had a new system that does not allow them to cash checks for businesses!!!!!! How is this possible!!!!! Lose your debit card and you can not access your account??? And if this is supposed to be about security that's a load of XXXX!!! It's very easy to verify who I am, and they did that!! I did finally get my cash. But why is this allowed??? It's my money I should be able to access it in any way I want to! How could this be a law? If I want MY CASH why can I not get it easily. I was told this was an exception because I lost my debit card so they would cash the check.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meta Payments Inc. (CA)

XXXX XXXX, have a fixed income, and receive XXXX  payments due to being XXXX. XXXX ( Meta ) took {$2600.00} from my banking account and over {$4000.00} from my credit card. Im so distraught over this and became homeless because this money was taken out of my account. I never approved or consented to any product or service for this amount. I receive XXXX, XXXX a month and it makes no sense that I would do anything for the amounts that was taken from my account. 


Transactions that were taken out of my account that wasn't authorized by me. A total that amount to {$2600.00} meta ( XXXX ) Heres some of the transactions that was taken from my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (NJ)

In XX/XX/XXXX, I transferred to a SAVE plan with payments at {$270.00} with anticipated renewal per the terms on the agreement was supposed to be XX/XX/XXXX With no notice or communication, Aidvantage canceled my SAVE plan and changed my payment rate every month since XXXX. 

The will not explain why I was removed from my payment plan. 

XX/XX/XXXX Invoice XXXX XX/XX/XXXX Invoice XXXX XX/XX/XXXX Invoice XXXX XX/XX/XXXX Invoice XXXX I started receiving daily text messages in XXXX which were flagged by my wireless provider as a scam asking for {$170.00}. 

I was unable to contact a live rep when this happened in XXXX, so I sent through my recertification XX/XX/XXXX which lowered payments to {$410.00}. I also sent them an additional {$170.00} since that was what they asked for. 

I was finally able to reach a live rep XX/XX/XXXX who could not explain why I was removed from SAVE. She just referenced my effort to get back on SAVE after they threw me off the plan. 

I explained that I did have a layoff in XXXX which resulted in a one time payout of severance. My income was not really as high as it was in XXXX as a result. The other problem is I let my father 's CPA do my taxes for XXXX and he only files extensions and never files the actual final taxes, so I am still in limbo. I am harassing the CPA weekly to get my taxes completed. 

I pushed through a recalculation with a paycheck stub which approved me for a $ 318 monthly payment. Aidvantage will not acknowledge that as a monthly payment at all. 

The will also not guarantee that they will not change the rate monthly. 

This is not the first time I have had this conversation with prior lenders trying to get a consistent payment for at least a 12 month period.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

When I go to submit report Experian is saying it is a duplicate. I uploaded the paperwork showing where it had bad information on file and requested it to be deleted, because the file was once removed from creditor. How it has reappeared after years. It is a charge off account same account with XXXX XXXX. It showed a past due amount, {$2300.00}, Credit limit of {$3000.00} and creditor has issued a 1099-c in the past. 

Attached are historical credit reports pages XXXX, and XXXX dated XXXX  showing before and after deletion. 

Attached is a recent credit report showing past due amount credit limit for charge off. 

Attached is current report showing amount has been wiped out to zero but historical data shows wrong information of past due balance, credit limit along with charge off. Data is still incorrect and at this point should be removed from my account and credit report all together by deletion.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: OneMain Finance Corporation (VA)

I have/had a XXXX XXXX XXXX  through One Main Financial and was issued by XXXX XXXX  XXXX I closed the card over a year ago but continued making the minimum payments as needed. After making this month 's payment ( XX/XX/XXXX ) through the app, I logged back in to verify that it was applied to my balance. I found out that I no longer had access to the account through the app or the web. There was a message to call the customer service number : XXXX. When I called the number ( first called on XX/XX/XXXX ), I was told my account was in their collections department. The representative said they would transfer me, but the call simply goes through the initial greeting with prompts to verify my information then returns the call to the regular customer service folks. A representative gave me another number to call : XXXX. I had the same results as the first number, the call never reached the collections department. Another representative gave me this number : XXXX, same result, no contact with collections department, and lastly another representative gave me this number today ( XX/XX/XXXX ) : XXXX. This is not even a One Main phone number. 

I don't know where to go or how to proceed. I want to be able to continue making payments. The last 4 numbers of the card are XXXX. 

Thank you.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-06-12
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. (GA)

ON XXXX, I MAILED COPIES OF MY FTC REPORT, POLICE REPORT, AND IDENTITY INFORMATION TO ALL XXXX CREDIT BUREAUS REQUESTING THAT ALL ITEMS LISTED ON MY FTC REPORT BE DELETED. ALL XXXX COMPANIES HAVE YET TO DELETE THESE ITEMS. ALL ITEMS LISTED ARE XXXX XXXX ACCOUNTS AND DO NOT BELONG TO ME. I HAVE CONTACTED ALL XXXX BUREAUS AND INFORMED ALL AGENTS THAT I AM NOW NOT HESITATING TO TAKE LEGAL ACTION.
Consumer complaint received 2024-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

On XX/XX/year> I made two payments to pay off loan # 5 with Mohela. The payoff amount was XXXX. I had the money in two accounts so one payment was for XXXX and the other was for XXXX. 

On XX/XX/year> I logged in to check if they had been applied. They were but not fully. It was showing an outstanding balance for XXXX so I called. They said they could see the payments but werent sure why they werent fully applied or what happened to the rest of the money. They said they would submit a request for that remaining amount to be located and applied as intended and the process would take 30 days. 

On XX/XX/year> I called again to follow up, they said that they would check on the request and that it could take up to 45 days. 

On XX/XX/year> I called again and I was told that I needed to keep waiting because the timeframe I needed to wait was 45 business days. I counted while on the phone and this happened to be the 45th business day. When I brought that to the attention of the rep, she got even more unpleasant and said that I would just have to keep waiting because these things take time. I asked how long I should wait to follow up she said she didnt know. 

As of today XX/XX/year> the balance for loan # 5 is still at XXXX