davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-06-04
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)

I have notified the credit breaus several times to remove all things that are not mine off of my credit. I am very upset because i have XXXX kids and we are trying to buy a house. XXXXhay have not updated my credit score at all and io have on time payment that is reflecting.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MO)

According to my previous complaint filed on XX/XX/XXXX Im requesting that you remove this debt immediately from my credit report and not sell to any other collection agency. Im requesting due to your response with the documentation provided with no balance from original creditor. The Fair Credit Reporting Act ( FCRA ) XXXX became effective on XX/XX/XXXX. The FCRA is a part of a group of acts contained in the Federal Consumer Credit Protection XXXX such as the Truth in Lending Act and the Fair Debt Collection Practices Act. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

I have worked months with Community Loan Servicing to get my Loan modification agreement, I had told them that my loan is being transferred to XXXX XXXX XXXX and I need to get it done before its being transferred so I should not have issues with the new servicer but they kept telling me that the new servicer will have to honor it, I finally got the Loan modification agreement docs on XX/XX/XXXX, I have sent it back on XX/XX/XXXX and Community Loan Servicing had executed it later, the loan was transferred on the XXXX of XX/XX/XXXX and they have not provided the Loan modification agreement information to new servicer which is XXXX XXXX XXXX the new servicer are still waiting for them to give them the information so they can update their system.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (NJ)

On XX/XX/XXXX there was an inquiry added to my consumer report from NAVY FEDERAL CREDIT UNION. I did not authorize this. I requested multiple times from XXXX and NAVY FEDERAL CREDIT UNION to coordinate and remove the inaccuracy off my report to access the situation. It is XX/XX/XXXX and it's still reporting on my report. It is causing my harm by reporting this inaccurate information. According to 15 usc 1681 - " congressional findings and statement of purpose '' You are in violation of this law please remove immediately.
Consumer complaint received 2023-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servion, Inc. (OR)

HI there, I have contacted representatives that did not give me my money back, a supervisor stating this is right to cover up the mistake which i asked for a manager and she never replied after two weeks, finally received a managers contact information emailed him XXXX left a voicemail with no reply after over a week. Lastly I called the customer service number asking for a manager and was told the manager was busy and would call me XXXXXXXX by the end of business last Friday and still no contact. 

I need your help to correct an issue one of your representative at servion made onto one of my payments which she should have done was applied the check amount of {$970.00} I received from servion to my monthly payment but instead she increased one months charges for the exact amount of my check and the following month reduced it for that same amount, I will be giving you a break down of this in details below but this needs to be fixed. 

I asked for my check to be placed on XXXX 's payment and how is it I was charged more for XXXX 's month. My regular payment is {$3800.00} the representative charged me {$4800.00} in XXXX charging an additional {$970.00} that I did not approve and giving me a lower amount of {$970.00} means in total I am owed {$970.00} still. 

Payment Dated XX/XX/XXXX : {$3800.00} regular monthly payment {$970.00} XXXX charge not approved by customer {$4800.00} Total payment Payment Dated XX/XX/XXXX : {$3800.00} regular monthly payment $ XXXX lowered amount {$2900.00}
Consumer complaint received 2024-08-07
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. (UT)

I have called Experian multiple times to remove the " XXXX payments late XXXX days '' and the " XXXX payments late XXXX days '' that shows on their dashboard to my account and as part of the " payment history '' but there are XXXX accounts attached, I have never been late on any bills in years. Even prior to my XXXX I was not late, I was over my head and filed. If it took companies more than 60 days to update their records, that is not me being late. But since there are no accounts attached to the XXXX late payments, I can not dispute them. 

This incorrect info has cost me a lot in interest rates for keeping my score low. The customer service reps I have talked to have all agreed that it should be taken off. All accounts in my bankruptcy already show in bankruptcy. So even if there were incorrect payment histories they should not be a double ding on my report, even though I was never late and I have no idea if that is what is happening. 

No one will call me back. No one knows how to fix it but they all agree it needs correcting. 

This information is also not on my actual report, but its on my dashboard as affecting my overall score. So what ever is not on my report, should not be on my dashboard pulling my score down. 

I called XX/XX/2024, XX/XX/2024 ( twice ) and was transferred twice. I was told I would get a call back both times and never did.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2023-07-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I recently contacted the company XXXX about inaccurate information reporting on my credit that was making a negative impact on my creditworthiness. I contacted them in the month of May to let them know of this activity. As well as inform them that the accounts reporting were made by way of fraud and that I filed a separate report with the FTC on said issues. I forwarded the information to them as well as tried to start a dispute process with them over the phone but I could not get any help at all. to know avail the information currently updated on my report is accurate even thou my address is incorrect and I do not have any knowledge of the accounts that reporting based on USCI recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U, S.C. 5 1681i, every single one even each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : ( dispute item and explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the RSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On Tuesday, XX/XX/year> I was expecting and waiting for my direct deposit to come into my account. After work, I tried logging in and was told that my account was blocked. I called Bank of America and inquired as to what was going on. They advised me that they had closed my account because of suspicious fraud. I did have fraud activity on my account, and the bank sent me a new card and account number. I inquired as to why they couldn't contact me to advise me of this. They claim that I should read the bank agreements. 

This morning I called the XXXX department XXXX at XXXX XXXX on XX/XX/year> and inquired as to when can I get my funds out and that I was a XXXX  and needed my funds to get XXXX ( I am XXXX XXXX XXXX, and went back to work to be able to afford my medications ). They obviously doesn't care, because he advised me that I would have to wait until XXXX weeks to receive a check. I can not wait XXXX weeks for my funds, This is a life and death situation. I can not believe that they have that much power over people 's money. 

Please help.
Consumer complaint received 2023-04-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am submitting a CFPB complaint to request an investigation and correction of the listed account, which appears to be incomplete and inaccurate on my credit report, as provided for by the Fair Credit Reporting Act. The account in question is with XXXX XXXX, with the account number XXXX, and a balance of {$0.00}. I urgently require confirmation of the current status of this account. I have reason to believe that the information being reported is incorrect, as it does not match with my own records. Therefore, I am requesting a thorough investigation and prompt correction of any inaccuracies to ensure that the information on my credit report is legally and lawfully accurate.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

Request for Information under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. I have attached copies of how XXXX and Navy Fed. the inaccuracies in the different section on the account they im disputing.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States i have 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.

15U.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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s- ( 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. 


I ask many times for proof of signature of contract for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that this account belongs to me, However XXXX refuse to send me any proof of contract with my Signature to verify it mine account.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts below to be verified with my signature or be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

A collection should never show as a open account, on a credit report and should never have a past due balance as you can see on page XXXX of my Equifax credit report. 
XXXX Acct # XXXX have these errors, everything on a credit report must be 100 % accurate if not it must be deleted. 
By Law 15 USC 1681s-2 Responsipilities of furnishers of reporting information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors, 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 As you can see in complaint XXXX, they knew of this inaccurate information.
Consumer complaint received 2024-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (CA)

XXXX XXXX for account reported to My credit report as collection of {$3700.00}. This identity theft reported to my account this morning. They also said that I open this account on XX/XX/year>. I want to know was it a loan a line of credit or what? Show me documents with my signature and anything showing that I receive money. I dont have any knowledge of this company at all.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

I am writing to dispute an incorrect student loan balance reflected on my credit report with Mohela. The current balance of {$4500.00} is inaccurate. My student loans were forgiven as of XX/XX/2023, under the Biden-Harris Administration 's forgiveness program.
Consumer complaint received 2024-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

This was added to my XXXX XXXX credit report. 
XXXX XXXX XXXX XX/XX/year> XXXX {$17000.00}
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NJ)

I have received several emails from the U.S. Department of Education urging me to both contact my student loan servicer ( EdFinancial ) and apply for the SAVE plan. I'd like to accomplish both of these things, but unfortunately, EdFinancial seems to have no record of me so I can not create an account. I have attempted to contact customer service multiple times through various means, but I am either summarily disconnected before being able to speak to a human being that can help me or subjected to obscene wait times. It is not lost on me that interest is now accruing and capitalizing WHILE I AM UNABLE TO TALK TO ANYONE AND THEY DON'T SEEM TO HAVE RECORD OF MY EXISTENCE is not lost on me. This is a textbook UDAAP violation and the fact that the federal government is currently operating via the third parties it contracts with in violation of its own laws is also not lost on me. I have very low expectations for a resolution at this point ( I've been abused by this system for over ten years now ), but this is my first time documenting a complaint. Perhaps if enough of us do this, someone will treat this like the crisis it is.