davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
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)

Despite my numerous efforts to rectify the fraudulent, inaccurate, and misleading entries on my credit report, the issue persists unresolved. The presence of these erroneous items has had a profound negative impact on my life, causing significant stress and XXXX. I must reiterate that I am a victim of identity theft and did not authorize or consent to having this fraudulent information associated with my name and credit file.
Consumer complaint received 2024-06-17
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. (AL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX - XXXX, I XXXX XXXX - XXXXXXXX XXXX XXXX ( XXXX XXXX ) - XXXX, XXXX - XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - XXXX  "
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

PLEASE EQUIFAX FIND THESE MISSING ACCOUNTS I am missing several accounts on my Equifax Credit Report that have been reported to Equifax but Equifax IS NOT SHOWING ON MY CREDIT REPORT RESULTING IN MY SCORE BEING MUCH LOWER ON EQUIFAX. 

Please Stop saying you do not have my ID info it is attached to this complaint as it was to the last version of this complaint and also was sent to Equifax in XXXX as requested. Proof of delivery attached. 

Also attached is a screenshot showing the missing accounts with a XXXX XXXX next to them. 
These accounts have always appeared on XXXX and XXXX with NO ISSUES. 

JUST NOT APPEARING ON EQUIFAX CREDIT REPORT. 

I have called over and over and over with NO RESULTS. 
Have been told several times you would escalate up the chain to find the problem yet here we are with NOTHING being done to find these missing accounts. 

Have spoken to each and every lender several time and they ALL have told me these accounts are being reported to Equifax PLEASE FIND THESE ACCOUNTS FIX THE BUG IN YOU SYSTEM AND LETS MOVE ON. 


SEE ATTACHMENTS..SEE ATTACHMENTS..SEE ATTACHMENTS..SEE ATTACHMENTS
Consumer complaint received 2024-06-17
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-17
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. (NV)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

My student loans, and those of my husband, have been on the XXXX plan since the fall of 2023. I have made regular on-time payments per the terms of XXXX the entire time. Last winter, during a routine check, I noticed my loan balances had grown. The Dept. of Education website on the XXXX plan states that due to the interest subsidy, balances should not grow as long as I make payments. I messaged Mohela and was told I had to call them ( they won't answer in writing ). I have NEVER been able to get through- they always have horrible hold times. 

My husband found the same problems with his loans this summer and was actually able to call them. They told him that the only accounts to receive the subsidy are those who qualify for a {$0.00} payment. This goes against the information on the studentaid.gov website, which states : " The XXXX XXXX has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the XXXX XXXX prevents your balance from growing due to unpaid interest. '' This information is also given in CFPB Complaint # XXXX ( for my husband 's complaint ).
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

My credit reports show different information across all three bureaus, so its inaccurate. This has led to denials for housing and a car because it looks like I missed multiple payments. As a result, my kids and I have had to stay in XXXX XXXX, XXXX, and XXXX XXXX I have tried to dispute it so many times and nothing so this is my last option before I seek legal advice. 

The car I bought was a lemon. Ive spent money on it since day XXXX, and right after I got it fixed, they picked it up the next day, even after I told them it was just repaired. They sold it, took the gap insurance, and didnt provide proof of the remaining amount. Whenever I needed an arrangement, it was because of issues with the vehicle, and I can get copies of my receipts from every dealership that worked on it. 

When I bought the car from XXXX, the mechanic told me they sold me a bad vehicle. There have been multiple recalls on XXXX XXXX, and I had no idea. XXXX  kept telling me I had a warranty, but the dealership said the warranty was expired and covered nothing, even though it was filed in my paperwork. I even mentioned all this when filling out the extension forms. They denied my last extension after I put in an extra {$1500.00} after just a year of having it. It was a XXXX  XXXX XXXX. 

When they picked up the car, they locked me out of the app. They towed the vehicle from a closed location and came on their day off just to add more fees. They wanted to pick it up the day it was fixed because I kept communicating that I would pay the mechanic and then make a payment to them afterward. It felt like they just wanted the car to resell after I got it running.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Capital One Credit Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Follow-Up on Credit Report Dispute Account Ending in XXXX, Capital One Case : XXXX Dear Sir/Madam, I am writing in response to your letter dated XX/XX/XXXX, concerning the above-referenced account and case number. I appreciate your prompt investigation into my dispute. However, I must clarify certain points and provide additional information to support my claim that this account was opened without my consent and should not have been attributed to me. 

While I acknowledge that the contact information and personal details you mentioned in your letter ( address, phone number, and email ) are associated with me, I would like to emphasize the following : Age Verification : At the time this account was opened on XX/XX/XXXX, I was under the age of XXXX. As per CFPB regulations and Capital One 's policy, individuals under XXXX must either prove independent means to make payments or have a co-signer over XXXX. I did not meet either requirement, and no co-signer was involved in the application process. 

Inaccurate Approval : Given the above point, the account should never have been approved under my name. This is a clear violation of both Capital One 's policy and federal regulations, making the account 's presence on my credit report erroneous. 

Activity on the Account : While it appears there have been transactions and disputes associated with this account, I maintain that I did not authorize the opening of this account. It is possible that my information was used fraudulently, and the subsequent activities were carried out without my knowledge or consent. 

I kindly request a re-investigation into this matter, considering the points outlined above. It is crucial to rectify this situation to prevent further damage to my credit report and financial standing. 

Enclosed, you will find additional documentation supporting my claim : - Proof of age at the time the account was opened. 

I urge you to review this new information and correct the inaccuracies on my credit report. Please provide a written confirmation once the investigation is complete and the account is removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX. 

Enclosures : Proof of age at the time of account opening
Consumer complaint received 2024-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

My federally owned direct loans are handled by XXXX XXXX. When I logged in I received a message our system indicates that we dont have the following information demographic data on file for you. We request you update your profile to continue. I was alarmed because the XXXX website states they dont have my address, phone number, and email address. When my loan account was switched from XXXX to XXXX I provide all that information. So I updated my information. It states my account is in good standing. That is incorrect because I need to make XXXX payments. When I call their phone number the wait time is XXXX minutes. Right now I can not make any payments because their system wont allow any type of payment. What I dont like is that you can only make a payment with your bank routing number. XXXX not trying to get out of paying, but trying to pay and speak to someone without waiting a couple of hours on the line. I never had this problem with XXXX.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AP)

After recently pulling a copy of my credit report, I was shocked by what I discovered. 
I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 
XXXX XXXX XX/XX/year>. 
I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please reverse these late payments from my consumer report and update this account as soon as possible.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I am a victim of identity theft. XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( credit card ) has fraudulent accounts that are showing up on my credit report that should be removed immediately. There has also been numerous hard credit inquiries that I did not give consent for.
Consumer complaint received 2024-07-13
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: EQUIFAX, INC. (DE)

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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I called to XXXX XXXXXXXX XXXX  in XX/XX/2024 requesting them remove the false late payments from my account, as the I asked to sent a ledger verifying payment dates vs due dates. no information was ever sent over and they totally ignored my inquiries.
Consumer complaint received 2024-07-12
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Dispute of Unverified Addresses and Incorrect Information - Demand for Immediate Removal. 



I am writing to you because of the previous disputed information in my credit report history and I have identified the following issues and reason why these are completely inaccurate and the following accounts that have been illegally added to my credit report without proper verification : Unverified Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Information : property address information was called XXXX XXXXXXXX XXXX and their business is INACTIVE due to admin dissolution for Annual report. 



1.Unverified Addresses : XXXX XXXX XXXX XXXX XXXX NY XXXX 2.Incorrect Information : Property Information is called XXXX XXXX XXXXXXXX XXXX. never had a lease or any important documents sent to this location. I have no business or anything tied to this property. 













1. Unverified Addresses : XXXX XXXX XXXX XXXX PA XXXX 2.Incorrect Information : property information is a house but I never had lease or rental agreement documents. I never signed or put my personal signature on anything pertaining to this location.

1. Unverified Account Information : XXXXXXXX XXXX  XXXX 2. Incorrect Information : This account is closed and the creditor considers it a loss. In fact, I noticed the old address XXXX XXXX XXXX XXXX, XXXX FL XXXX is/was the original but recently updated and changed to current. But the address is not only inaccurate but not on listed my credit history. 





1. Section 605 ( a ) which prohibits reporting of outdated information.

2. Section 611 ( a ) which requires you to conduct a reasonable investigation to determine the accuracy of disputed information.

3. Section 623 ( b ) which requires furnishers to verify the accuracy of information provided to credit reporting agencies.

Furthermore, as per the FCRA Section 611 ( a ) ( 5 ) ( B ), if an item of information has been previously deleted, it may not be reinserted in a consumer 's file unless the person who furnishes the information certifies that the information is complete and accurate. I demand that these illegally added and unverified accounts be immediately removed from my credit report. Failure to do so is a violation of federal law and may result in further legal action. Please provide a written confirmation of the removal of these accounts within 30 days, as required by the FCRA.
Consumer complaint received 2024-07-12
Product: Debt or credit management — Student loan debt relief
Issue: Didn't provide services promised — 
Company: MOHELA (PA)

I am currently in student loan repayment with Mohela, on the SAVE plan. My monthly loan payment was originally {$0.00}, and I was directed by Mohela in XX/XX/year> to recertify my income for a XXXX XXXX recertification date, which I did as instructed, and which increased my payment to {$270.00}. After I recertified my income, the department of education released guidance delaying the recertification process until XX/XX/year>, and indicated that all payments that increased should have been reset to the original payment ammount. I have reached out to Mohela several times to get my payment reset, without any change being made. Here is the link to the latest income recerticiation guidelines from the department of education : https : //studentaid.gov/announcements-events/idr-recertification-extended I would appreciate any assistance helping to assist Mohela to reset my monthly loan payment.
Consumer complaint received 2024-07-12
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: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. XXXX  times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!