davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

the company XXXX XXXX XXXX  offered loan suspension because of a hurricane Then XXXX XXXX offered a loan modification. 
they never gave an exact due date but told me to start the process about 30 day before the suspension was up approx XX/XX/XXXX which i did and submitted documents around XX/XX/XXXX. 
XXXX XXXX said I would not have negative reporting and this included during the modification process. 
XXXX XXXX called and sent mail to me several times during the 90 day suspension to say I was behind on payments and every time I called them back to discuss any issues they said it was a standard call or mail and " to ignore it '' not to worry about it. 
while in the process of loan modification they reported me to 3 credit agency 's as late on XX/XX/XXXX XXXX i received no mail or call warning of this. this dropped my credit from XXXX to XXXX. They also continued to request documents from my loan modification, but I was forced to get a loan to pay off the late payments in order to stop negative reporting even though I was in the loan modification process, which took them almost 3 months to complete. Then, once complete, they told me I did not qualify for loan modification because my loan was current. So they offered suspension due to hurricane and a modification but negatively reported on my while in middle on the process over many months i asked for return calls but 80 % of the time i never got a call back when they said they would. I had to continue to follow up. If they would have told me they would negatively report me while in a loan modification process I would have handle this differently. 
i asked for the recording of all calls but they refused. 

XXXX XXXX XXXX  is a predatory bank. I never got a loan from them, and my loan was sold without my knowledge to XXXX XXXX.
Consumer complaint received 2024-06-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

already try to fix this issue whit colector and bureaus but they don't do nothing i sent them XXXX  times letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX ( XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX Phone : XXXX XXXX ) XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to file a dispute regarding inaccurate late payment entries on my credit report. Upon thoroughly reviewing my payment records, I discovered these erroneous late payments listed, despite my accounts being current. Over 30 days ago, I submitted correspondence contesting these entries and requesting validation, but regrettably, I have not received a response or satisfactory resolution. I am respectfully seeking your prompt assistance in rectifying this issue.
Consumer complaint received 2024-06-24
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. (TX)

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 2024-06-18
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. (AL)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-06-18
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. (NJ)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.
Consumer complaint received 2023-10-02
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$7800.00}
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Dispute Letters were all sent.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to file a complaint regarding inaccurate late payment entries on my credit report. After thoroughly reviewing my credit file, I discovered these erroneous late payments listed despite my accounts being current. Over 30 days ago, I submitted correspondence disputing these entries and requesting validation, but regrettably, I have not received a response or satisfactory resolution. I am respectfully seeking your assistance to rectify this issue.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (FL)

Dear Sir or Madam : I am a victim of identity theft, all these fraudulent inquiries that is on my credit report and account do not belong to me, I never given anyone permission to pull my credit to open these accounts at any time! this was Not authorize by me and I am requesting that this information to be remove immediately and block pursuant to section 605B of The Fair Credit Reporting Act, Im request that these inquiries be remove ASAP.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-18
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)

I am writing with grave concern that fraudulent, inaccurate, and misleading entries continue to appear on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely disrupted my life, causing immense stress and anxiety. I must reiterate that I am a victim of identity theft and never authorized or approved the association of this fraudulent information with my name and credit file.
Consumer complaint received 2024-06-18
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

Attempting to collect on a debt in a location where I do not reside pursuant to 15 USC 1692b 2. Failure to give prior consent for attempting to communicate pursuant to 15 U.S.

Code 1692 3. Failure to provide notice of consent on initial communication pursuant 15 U.S Code 1692 ( k ) 4. The use of language meant to harass such as your account may be credit reported 15 U.S.C Code 1692 ( d ) ( 2 ) 5. All this caused me mental anguish and stress so I'm seeking damages pursuant to 15 USC code 1692 ( k
Consumer complaint received 2024-06-18
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. (FL)

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of XXXX XXXX compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 Consumer Reporting Resource Guide ( CRRG ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that XXXX comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Consumer complaint received 2023-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I applied for the PSLF relief in XXXX and was told I would have an answer in 10 days. I went back to check and no change for months. Suddenly after XXXX it said application canceled due to duplicate. There was no duplicate info. When I call I get different answers. I dont understand why this has taken 7 months and we have gotten no where and the customer service reps cant give me consistent information. All forms have been submitted correctly and then they just deleted my application.
Consumer complaint received 2024-06-18
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)

I am writing to seek your assistance in resolving an issue related to a charged off account. I believe it is crucial to bring this matter to your attention as it involves unfair treatment by Experian I recently discovered that my account with XXXX has XXXX charged off. However, I have concerns regarding the accuracy and legitimacy of this charge off. I have made several attempts to communicate with the creditor and obtain information about the charge off, but my efforts have been unsuccessful. I would like to request your intervention and investigation into the matter, as I believe there XXXX be violations of consumer protection laws or regulations. Specifically, I have the following concerns : XXXX. Lack of communication : Despite my attempts to contact the creditor, they have failed to provide me with clear and concise information regarding the charge off. I believe that as a consumer, I have the right to be informed about the status of my account. XXXX. XXXX of debt : I would like the Consumer Financial Protection Bureau to help me ensure that the charged off amount is accurate and properly documented. I have not received any validation or verification of the debt from the creditor, which raises doubts about its validity. XXXX Credit reporting accuracy : I am concerned that the charged off account XXXX have been incorrectly reported to the credit bureaus, negatively impacting my XXXX XXXX. I kindly request your assistance in reviewing the accuracy of the credit reporting associated with this account. I kindly request that you keep me informed about the progress of your investigation and any actions taken as a result. Additionally, I would greatly appreciate any guidance or advice you can provide me regarding the steps I should take to resolve this matter and protect my rights as a consumer. I trust in the Consumer Financial Protection Bureau 's commitment to consumer protection, and I am hopeful that your intervention will lead to a fair resolution of this charged off account. XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( B ) ( XXXX ) but yet they placed a collection on my consumer report. 
I have not been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( XXXX ) ( I ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of XXXX XXXX XXXX ( D ) and 15 USC 1681-S2 ( XXXX ) ( A ) Requesting the purchase agreement between collection agency and original creditor Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
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)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX  shut me down after my account was hacked and they TRYED to steal data from the company using my account something about the dark web that's all chase told me and told .e there shutting me down and I can NEVER BANK with them again ( XX/XX/XXXX ) Bank of America told me it was a issues I had to take up with XXXX since these hankers once again usee my online banking app to put in money my checking account and used the XXXX service to send it to some who knows what name and number I have the screenshots of the I believe was number or to whomever in which my own money for sent out with it and even though all this happened to my money and my closer or accounts I was also put on indigent closer with the XXXX XXXX XXXX though I'm the victim who lost her money I got shutdown and now I have been trying to open up banks accounts and I get denied and even on online banking XXXX XXXX decided to shut my account down and said I volateded they're polices when I didn't miss use XXXX XXXX at all that's where my direct deposit were being send I TRYED opening and new and it shows I had others open under my name and social that was before they required face recognition XXXX I have been a victim of identity theft and scam in which Ive been suffering since XXXX haven't been able to Open anything online or at a bank franchise