davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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. (DC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : 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 2024-09-12
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. (PA)

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 loan, credit cards, and any other accounts from Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$470.00}, Account Name XXXX XXXX XXXX with a balance of {$1100.00}, Account Name XXXX XXXX with a balance of {$0.00}, Account Name XXXX with a balance of {$160.00}. 


These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft report number XXXX 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 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX 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.
Consumer complaint received 2024-11-01
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC. (TX)

Ally Financial Services have wrongfully repossessed XXXX XXXX XXXX XXXX since XX/XX/XXXX. 

However, Leading up to the repo on Numerous Occassions Ally Financial Services has defraded our Company. Firstly by switching our loan to lease. Secondly by miappropriating ( lump sum principal payment of {$9900.00} and instead denying COVID Assistance and Using principal lump sum payments during the disaster instead of refunding the payments as requested. 
When the Misapplied payment was brought to Ally 's attention, they promised an Extension through XX/XX/XXXX. 

I called Ally Financial Services on 10 different occasions to endure long hours of hold times, to be transferred from department to department, or to hang up trying to obtain information from the company regarding the vehicle. I spoke with a guy Named XXXX who was very nasy and condesending who ( stated he could act like a manager ). He promised 24-48 hour callbacks from Ally, which were NEVER received. 
The company has illegally covered my vehicle. 

However, The guarantor was in Pending Bankruptcy, which was later dismissed. Subsequently, without repo notices, Ally Financial repossessed the vehicle and refused to communicate redemption or recovery of the vehicle or provide any information to recover the vehicle. 

Ally Financial Services has continued to impact our daily operations. This company vehicle has equipment such as cameras, printers, and cell phone mounts, as it was recently enrolled in a XXXX platform. These actions, which violate laws and consumer protection regulations, have caused significant and irreparable damages to our operations by failing to explain amount owed, provide any reinstatement or redemption Notices, or Prior Notice to Repossess
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-25
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-01
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. (DE)

My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.
Consumer complaint received 2024-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

There are two separate issues. 

I have recently been granted XXXX and my loans at the time were with Mohela. I was credited with making XXXX out of XXXX payments. I have called multiple times to see how and when I would get a refund for the 2 overpayments. They directed me to call the XXXX, who then stated I had to speak with Mohela. I spoke with Mohela again and was told that I had no credit balance and therefore there would be no refund. I believe that since I made two extra payments, that I am entitled to a refund for those. 

The other issue is that on XX/XX/year> my loans were with XXXX. At the time, my job was not eligible for XXXX so I made an extra payment of {$5200.00}. About a couple years later, my job was now eligible for XXXX. I called XXXX and asked if that {$5200.00} could be used for future monthly payments towards XXXX, which they agreed. The loans were then transferred to Mohela. At no time did Mohela use that money as directed and agreed upon for monthly XXXX payments. I continued to make payments because I wanted to get closer to XXXX without an issue. I spoke with Mohela multiple times to try to have the funds applied correctly with no success. At this point I would like the money to be refunded. The lack of organization and communication from Mohela should not be a reason for the money to be lost.
Consumer complaint received 2024-09-12
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. (PA)

15 U.S. Code 1666b 15 U.S. Code 1692 15 U.S. Code 1692 I am writing to dispute the late payments reported on my credit report for the account with XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX. According to the law 15 USC 1666b ( a ), a creditor may not treat a payment as late unless they have adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I have never received the periodic statement along with the disclosures required by section 1637 ( b ) of the Consumer Credit Protection Act from XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX Despite requesting proof that this information was sent to me at least 21 days before the payment due date, These companies failed to provide such evidence. 
As per Rule 1002, I have requested this information in good faith and it is the responsibility of the creditor to provide evidence of compliance with the law. Since XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX has failed to provide this evidence, I kindly request that the late payments be removed from my credit report. 
I would appreciate it if you could investigate this matter and update my credit report accordingly. 
Thank you for your attention to this matter.
Consumer complaint received 2024-09-12
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. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-12
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. (PA)

I was shocked when I checked my credit report tonight and found inaccurate accounts listed. I check my report regularly, and out of nowhere, these errors appeared. I even refreshed my browser thinking it might be a glitch, but the accounts were still there. I'm requesting a thorough review of the documents I submitted so that I never have to deal with this stress again.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Please review the FTC attachment. I would like for the UNAUTHORIZED inquiry that was made on XX/XX/2019 by XXXX XXXX OF XXXX to be removed. I would also like to be sent a updated credit report reflecting that these UNAUTHORIZED inquiries have been removed.
Consumer complaint received 2024-09-12
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. (NJ)

I've previously send an Identity Theft Report from the Federal Trade Commission to Experian. Experian declined my request to block one or more items of information. XXXX ) Experian said " because there is no evidence that this online-generated report was received by a law enforcement agency. '' FTC Report is clearly and online-generated report from a federal enforcement agency. They enforce federal laws. 
XXXX ) Experian also mentioned " to continue with your block request, we are asking you to provide validation that the report was filed with a federal, state or local law enforcement agency. '' I have submitted my validation exactly how they ask. I sent Experian an identity theft report with the my FTC report number from a federal law enforcement agency. Identity Theft occurs when someone uses your personally identifying information like your name, Social Security number, or credit card number without your permission to commit fraud or a crime. Experian gave me XXXX different answers that contradict each other. XXXX ) Experian also determined " my request to block was made in error, or, my request to block information was based on a material misrepresentation, or, i knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. '' I want to know exactly how Experian came up with this determination and where and who are they getting their information from.
Consumer complaint received 2024-09-12
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. (CA)

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: DISCOVER BANK (TX)

I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation. 

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ). 

I am unable to review by XXXX Credit Report despite me validating my account with my telephone number on file- ( thru text message ). I have called XXXX Number and the phone call was disconnected multiple times after being on hold for a long period of time. 

I have a right to utilize a consultant company to assist me in submitting letters on my behalf. XXXX XXXX XXXX is NOT a credit repair company and they have not requested " payment up front '' as noted in the attached letter. I have granted limited Power of Attorney to XXXX XXXX XXXX to submit requests/letters on my behalf- ( see Notarized Power Of Attorney ) and XXXX have sent `` Stall Letters '' and have failed to investigate any inaccurate and incomplete information. XXXX is the only credit reporting agency that I am unable to obtain my credit report, unable to reach a representative and have FAILED to investigate inaccurate and incomplete information on my credit report. 

I am almost certain that XXXX is reporting inaccurate/incomplete information- ( I have verified my report thru third-party company-XXXX XXXX-which not the most reliable information. 

I am requesting for XXXX to send my OFFICIAL and COMPLETE Credit report dating from when the accounts were originally opened to current date. 

I am also requesting for XXXX to review the following account for possible inaccurate/incomplete information- Discover Acct # XXXX 30 Late payment XXXX-this is INACCURATE-SEE BANK STATEMENT SHOWING ( 2 ) PAYMENTS MADE IN XXXX. 

I contacted Discover and the representative confirmed both payments were received in XX/XX/2024 but Discover posted the XX/XX/XXXX payment was posted for XX/XX/2024 payment-the representative was unable to explain the reason and requested that I submit a dispute. 

XXXX XXXX Acct # XXXX Ensure Accuracy and completeness of reporting on this account. Provide verification/validation of negative information on this account.
Consumer complaint received 2024-09-12
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. (NY)

This letter serves as my final demand to have the inaccurate and misleading information on my credit report removed immediately. Despite my repeated disputes and your obligation under federal law, your company continues to report inaccurate, unverified information that has caused severe damage to my financial standing.
Consumer complaint received 2024-09-12
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!