davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I do not recognize these inquiries and I have asked for them to be removed the bureaus did not do like I asked. I am providing an identity theft form, I am requesting these be removed they are inaccurate. 
Experian FACTUAL DATA XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Removal date XX/XX/XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Recently, I did an investigation on my credit report and found this item to be inaccurate. 
Please delete all the late payments from this account. My account has never been late. 
This is my 2nd attempt to get this item updated on my credit report. Please send me a copy of the investigation completed with my original contract for this company. If you are not able to send my original contract, then delete any, and all late payments. If my file is not updated, you will be in violation of the FCRA as follows.

Under 12 U.S. Code 1681a ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. An item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on results of the reinvestigation, and ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-08
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. (GA)

I am writing to you with a sense of urgency and righteous indignation regarding the gross violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B and 604. The wanton disregard for the law and my rights as a consumer by the involved parties demands immediate and aggressive action to rectify this injustice.

The deletion or suspension of accounts following a data breach and unauthorized inquiries is not merely a suggestion but a legal mandate under FCRA Section 605B [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ], which outlines permissible purposes of consumer reports, is unequivocally relevant in this context.

I am formally disputing the accounts detailed in my consumer credit report, which are clearly stemming from data breaches or fraud. The gravity of this situation can not be overstated, as it represents a direct violation of my rights as a consumer. I demand concrete, verifiable evidence bearing my signature or electronic signature to substantiate these claims. 

It is abundantly clear that these actions were initiated without adequate validation or presentation of original evidence from any of the reporting entities. Such egregious disregard for protocol and consumer protection laws can not be tolerated. 

I implore you to take immediate and decisive action to address this matter and ensure that justice is served. The involved parties must be held accountable for their flagrant violations of the law and the harm they have caused me as a result. 

I expect nothing less than a thorough investigation and swift resolution to this matter. Anything short of that would be an affront to justice and a failure to uphold the principles of fairness and accountability that are enshrined in our legal system. 

Thank you for your attention to this urgent matter. I eagerly await your prompt response and the actions you will take to right this wrong.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX, XXXX, AND XXXX 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 1XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-06-08
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. (MO)

I am filing a report to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. The FCRA 605B mandates reporting any inaccuracies on a consumer 's credit report.
Consumer complaint received 2024-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Consumer complaint received 2024-06-07
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 
Thanks.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (KY)

XXXX management or employee working on this case need to be fired How hard is it to pick up the telephone and calls the Department of education how hard is it to get up off your tail call the department of education today I will not comply with any mail sent in the mail. I will not respond to any mail sent in the mail, the law dont require me to the law requires me to file one dispute remove all student loans I have zero student loans zero student loans what part of English do you not understand I have zero student loans Call the department of education right now
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX XXXXXXXX, was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXXXXXX, 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 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 on my account 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 credit
or 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. 


XXXX, XXXX XXXX, 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 2024-06-07
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)

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 2024-06-27
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

I owed XXXX in total. I paid XXXX in XXXX ( XXXX payments of XXXX ) before interest started to accrue again. The payments were applied incorrectly across the 2 loans on the account. It over-applied {$160.00} dollars to one account and underapplied it to the other. So one loans shows a NEGATIVE amount and the other incorrectly shows me as still owing XXXX. And since, despite my several attempts to communicate with the company ( phone conversations and email ), the amount has now accrued interest and still shows that I owe XXXX and now says that it is past due. The company has never even been able to give me a timeframe for when this will be fixed. I need it fixed yesterday. This could affect my credit.
Consumer complaint received 2023-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I have been trying to enroll into XXXX XX/XX/XXXX, I have tried over 20 times and have emails that my request is being processed. I have called Edfinancial over 8 times to attempt to resolve this but they were unable to help me. I've called the bank to ensure the issue is not from their end, the bank assures me that no communication has been received from Edfinancial. I've even tried three different bank accounts but no luck. 

With the autopay, the interest on my loans which are over $ XXXX would be less by XXXX XXXX, so I have been paying an additional XXXX XXXX every month because I am unable to enroll into autopay despite many trials.
Consumer complaint received 2024-06-08
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)

Despite multiple attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my frustration, the late closed account and inquiries remains on my credit report, negatively impacting my creditworthiness and financial standing. 
This persistent issue has caused significant stress and hardship. It is crucial that this inaccuracy is promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracy. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. Please help remove these items immediately : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services (OH)

I have a student loan debt with the XXXX  XXXX XXXX. This debt started occurring during XXXX. I was lead to believe by the institution that it was not necessary to start payments on the loan for multiple years. When I started checking my credit religiously earlier this year I saw that I was behind on payments for a debt that I didnt know I was on a payment plan for. Ive moved a lot the past few years and I never get mail correctly. 
Earlier this year around XXXX when I realized how much this debt was effecting me I called XXXX went to campus and tried to figure things out, there was no way they would help me. So I called XXXX financial and paid the bill outright, gave them XXXX XXXX  Im not sure on the amount but fully paid the total bill. 
Then In the next few months I saw that my credit was still reporting the bill. After some more research I was told that there was a forgiveness program where things wouldnt get updated or reported to my credit until XXXX of this year. So I waited with this problem I tried to fix effecting my credit, and it is still not fixed today in XXXX. 

I did not know I was on a payment plan with them and missing payments for over a year. 
I paid the debt fully off in XXXX and it did not update even still now to this day, XXXX months later. 
I would like to have this erased because my credit is pretty decent otherwise I appreciate the help it would really mean a lot to me Ive tried but can not get things fixed alone.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

For context, I XXXX XXXX XXXX XXXX XXXX  XX/XX/2023. I have called EdFinancial representatives on a monthly basis starting in XX/XX/2023 regarding my federal student loans payments. I applied for the REPAYE income driven repayment plan ( IDR ) plan in XX/XX/2023 and all my loans have been under the REPAYE IDR plan since XX/XX/2023. In XXXX, I applied to the new SAVE plan and I believe I was approved in XX/XX/2023. 

When I spoke to a representative in XX/XX/2023, I was told that given that I made an annual income of {$0.00} in the prior fiscal year, my loan payments for the following 12 months starting with the first payment in XX/XX/2023 should be {$0.00}. At that time, this representative obtained my information over the phone to manual re-apply for the SAVE plan given my income of {$0.00} in the previous fiscal year. This same representative also emphasized to me that the estimated payment based on my previous annual gross income should be {$0.00}. She informed me although my account showed that my first loan payment of {$300.00} was due on XX/XX/2023, she stated that this new application for the SAVE plan ( reflecting last year 's {$0.00} income ) would take 21 days to take effect and reflect on my account and that I would not have to worry about the payment due on XX/XX/2023. I patiently waited 21 days. However, now in this month of XXXX, I have a {$300.00} past due payment with no adjustments made to my account. On top of this, my next payment due on XX/XX/2023 appears to have increased to {$610.00}. 

Today on XX/XX/2023, I have called EdFinancial again to clarify my loan payments which are under the SAVE plan. Today, I was told over the phone that the application for SAVE that I completed with the representative on XX/XX/2023 was approved. When I tried to clarify why my current payments do not reflect last year 's income, I was told that my payments should reflect this year 's income. At this point, I am not quite sure if the representatives are intentionally deceiving borrowers to force borrowers to make payments that are higher than necessary OR if the representatives have a poor understanding of the various loan plans and payments. Either way, EdFinancial is engaging in unacceptable practices and is taking advantage of students who are new to loan payments and who do not have the financial means to seek second opinions.

Overall, my experience with EdFinancial has been terrible. Their representatives are constantly changing the information that they provide their consumers. I have been having the same issues for months and I have yet to speak to a representative who can address my questions clearly and accurately.