davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Neon Newco Corporation (MD)

Netspend or XXXX  customer service are very indignant. They keep hanging up the phone on me the first mistake that they did was I disputed to unauthorized charges. From XXXX for {$50.00} and {$21.00} that's it. I also returned products to XXXX for {$21.00}. Some way Netspent took my returned products and placed it with my dispute it has nothing to do with unauthorized charges. Thats a whole number transaction so I get an email that they are giving me my dispute back. They gave me the {$50.00} however I did not get the {$21.00}. They did give me back my {$21.00} because that was products, I returned to XXXX right now. I need to pay my phone bill. I tried to add {$160.00} to my account it was denied access to my account I have since called and talk to supervisors. They have hung up on me. I keep asking them where is the {$21.00} credit, talking about the {$21.00} return products that I got receipts for that has nothing to do with my dispute. Somebody called them about a return from XXXX that was {$49.00}. The fee is {$29.00} That will be returned to some kind of way. This person added this to my dispute and mess my account up. I asked him to go back to the original dispute. They dont have it. They can not show me where I got my {$21.00} and fix my account So I can us it
Consumer complaint received 2024-10-22
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. (IL)

I have tried many disputes to have these claims properly investigated as they were unauthorized charges. The original creditor and the credit reporting bureaus have all ignored my pleas to go deeper into these fraudulent charges. XXXX, XXXX, and Experian have displayed unfair practices by not properly investigating and continuing to report fraudulent information on m credit report. The original creditors have since then charged off these amounts and continues to report as a derogatory mark on my credit reports. I owe no balances to this company after paying them off in XX/XX/year>. I called them and requested they do a proper investigation as I didn't use any more credit for these accounts. My request was never granted and I have been disputing with this company for a very long time now. I was aware of the data breaches with XXXX, XXXX, XXXX, and XXXX but XXXX didn't think to check my report because I didn't see any changes or red flags with the companies that reported breaches. I also didn't think these breaches would cause changes or unauthorized use of accounts that were on my credit report. The several calls I placed to the original creditors back in XXXX solved absolutely nothing. I even tried disputing the inaccurate information through the payment history showing that none of the information from all three major credit bureaus match across the board. That alone should have prompted the deepest investigation possible. I have now involve the FTC and attached documents for the original creditors and credit report agencies. I have been treated unfairly and my consumer rights have been blatantly violated. The stress from all of this is weighing very heavy on my mental well being. To have to go through great lengths to have serious negative derogatory information to remain on my credit report that's causing me to not qualify for any thing that I apply for. I am so scare to unfreeze my credit reports because I don't want to deal with something like this ever again. At this point, I don't care how high my XXXX XXXX gets this time, I will not give up until all the inaccuracies have been removed. I will never use my credit to apply for anything else every again because it's too stressful to deal with disputing fraud that never gets properly investigated.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

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/updated.

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 2024-10-22
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)

Dear Sir/Madam, I am writing to file a formal complaint concerning a fraudulent account that has been inaccurately reported as a charge-off on my credit report from the company XXXX Despite my repeated efforts to resolve this issue directly with the credit bureaus and the creditor, the account remains on my report and continues to cause harm to my credit standing. 

Steps Taken to Resolve the Issue : 1. Debt Validation Requests : I submitted debt validation requests to all three credit bureaus ( Experian, XXXX, and XXXX ) in compliance with the Fair Credit Reporting Act ( FCRA ). To date, I have not received any proof or documentation validating the legitimacy of this debt, nor a copy of the original contract or the assignment contract for the alleged debt. 
2. Disputes and Removal Requests : I have contacted the credit bureaus on multiple occasions, requesting the removal of this fraudulent account from my credit report. However, despite the absence of validation and the lack of contractual proof, the account continues to be reported. 
3. Creditor Reporting Inaccuracies : The creditor has also been reporting inaccuracies related to the account. Specifically, they have been reporting the account as charged off every month. A charge-off is a one-time event, and the continuous reporting of the charge-off every month is incorrect and misleading.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am disputing incorrect personal information appearing on my Experian credit report. The report inaccurately lists the name " XXXX XXXX '' and the addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I have no connection to this name or these addresses, which do not pertain to my account. These errors have caused significant confusion and may have negatively impacted my creditworthiness. I request a prompt investigation and removal of these inaccuracies to ensure my credit report reflects only correct and accurate information, in compliance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-26
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Consumer complaint received 2024-10-26
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. (IL)

Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Consumer Social Security Number : ( private SSN ) Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ( XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VT)

My XXXX qualifying payment toward XXXX was paid on XXXX XXXXXX/XX/XXXX ( effective XXXX XXXXXX/XX/XXXX as per my bank account records ). My MOHELA account page shows no history of this payment, but does state that my next due date is XX/XX/XXXX. Upon calling MOHELA to resolve this issue, I was led through a labyrinth of automated messages that led nowhere. There was never an option to speak to a customer representative. I am not surprised- this is the second complaint I've submitted against MOHELA, an organization with an abysmal track record. I request that CFPB order a complete reorganization of MOHELA 's customer service approach to eliminate barriers to speaking with their representatives.
Consumer complaint received 2024-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CT)

I contacted Mohela on XXXX They said that it should be resolved by XX/XX/XXXX. 
I recieved statements and expected full payment again. 
Called back on XX/XX/XXXX Spoke with a representative and a supervisor that stated that their systems error messed up and they don't have a timeline to fix this. In the meantime I have been put on forebearance for 2 months with no resoultion. My IDR plan is not active which means neither is my PSLF. All the months are not qualified under standard based repayments and this error is causing me to not have my loans forgiven by XX/XX/XXXX like intended. This is a big problem as before the pause and switch everything was up to date as it should be and I was doing my part. This is messing with people 's lives and its not ok. I can not afford a standard payment and never could and my loan servicer is not prioritizing fixing their mistake.
Consumer complaint received 2024-10-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC (VA)

On XX/XX/XXXX, I noticed that my app was stating that I owed {$1900.00} however, my full mortgage payment already came out on XX/XX/XXXX for the amount of {$1900.00}, which was my monthly payment. 
Over the course of 17 months that I have had my mortgage my monthly payment has changed three times. According to the company it was because they were doing an escrow analysis. 
When we got our loan in XX/XX/XXXX, we got a 2-1 buy down ; which means for the first 12 months you get 2 % lower than your interest rate, than the second 12 months you receive 1 % lower than your interest rate. 
Then XX/XX/XXXX, apparently because we were unaware, our mortgage got sold to a partnering company. According to one of the representatives we were late {$36000.00}. According to another representative, we just straight owed the money because we were late. I spoke with two supervisors, both of them stated they would get back to me and neither did. Mind you, I told them multiple times, that I will provide bank statements, showing that we were never late and we have always been on auto draft. 
Fast-forward to XXXX XXXX I found out that we owed money. I spoke on the phone for three weeks with five different representatives and three different managers. The two managers never got back to me like they stated they would. And I spoke with the third manager on XX/XX/XXXX. He stated that if I dont pay it by XX/XX/XXXX, it will be docked on my credit report. He explained it, but did not provide documentation. 
The explanation this manager gave me was that they messed up on the interest rate for the last seven months, assuming since XXXX when they receive the loan, so I would have to make up the difference. I was very angry at this point to be honest because Ive been on and off the phone for the last three weeks and not getting any answers. Then when I do get an answer, I owe you the money regardless?! he proceeded to say that I owed the money and if I didnt pay it by XX/XX/XXXX, it will go on my credit. I proceeded to tell him that Im not paying for something that was not my fault and that was yalls screwup! 
At this point, I have to pay it so that it doesnt go on my credit report until I get answers.
Consumer complaint received 2024-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

The loan was made at annual interest rates greater than what is permitted by state law and the lender did not have a license to lend when one is required, making the loan illegal, deceptive or unfair under various state and federal laws.My loan amount is {$800.00} the finance charge is {$1100.00} and the loan total is {$1900.00}, the XXXX is 421.58 %.
Consumer complaint received 2024-10-25
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. (SC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

i have a late payment being reported by XXXX XXXX  XXXX and its in violation of The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by congress and signed into law on XX/XX/year>, contains a provision explicitly addressing the FCRA. Section 4021 they reported a late payment on XXXX of XXXX  which should not have been reported i contacted them and explained the situation that i was affected by the corona virus.
Consumer complaint received 2024-10-25
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. (CT)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-26
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. (FL)

Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.
Consumer complaint received 2024-10-23
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (TX)

Caller called my personal phone XXXX back to back on each number and my work number and main number XXXX back to back. I never consented to called on recorded line I stated no when asked after speaking to me about the situation and when asked to call back the caller ignored my request and kept on talking and asking for money and did not acknowledge my request. I am in fear of losing my job because of this and I need to file a complaint.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Intent to file lawsuit, no response for Validation documentation. 


Validation Letter sent to : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX