davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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 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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-10
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)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

This complaint is in response to the CFPB complaint number XXXX. Experian declined to reply to the mention complaint. Instead, they responded with their own dispute., dispute number XXXX XXXX. The only change to the account was it being updated with misleading information? 
The account and question is a XXXX XXXX account that was charged off in XX/XX/XXXX since XX/XX/XXXX Ive made multiple requests for this to be removed from my Experian account. Due to the fact that this has been charged off with a XXXX from the IRS which is a cancellation of debt. This account has been canceled. The original creditor has received credit for this account and the amount is now considered income for myself and income is not reported on a consumer credit report. Also is Experian has multiple violations with regards to this account. Theyve neglected multiple times per my certified letters to furnish the documentations that they have been using to verify this account. The other violation is the balance due on this account per the XXXX was {$710.00} but on the credit report it has a balance of {$1700.00} is incorrect which is a violation. From XX/XX/XXXX through XX/XX/XXXX experience has reported a balance of {$1700.00}. thats XXXX incidences of incorrect information which is a violation. Also from XX/XX/XXXX to XX/XX/XXXX Experian states there was {$100.00} payment to this account then from XX/XX/XXXX to XX/XX/XXXX there is no amount of payment also a violation. I will be seeking compensation for the multiple violations, lack of verifying information and violations of reporting incorrect information time and time again.
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc. (FL)

I have copied and forwarded all of this and the prior complaints to XXXX and both Attorney Generals in each state ( California, Texas ). 
Hello please help me and the rest of us seniors that have had to deal with a servicer you can not get a hold of, does not process payments without complicated deceptive fees to reduce payments, adds on old loans from long ago that were satisfied, does not read or process fax, email or mail timely or just does not answer, but most of all sets a bad example of what consumers face this year. Stop this please. 

This is an all around bad and unethical servicer and they should be stopped not slapped on the hand like you did last time. Try this number XXXX see what prompts do then they hang up. They did not process the XXXX payment of XXXX they did not process the other XXXX payments by XXXX only XXXX with the expert bookmaking of taking {$2000.00} from XXXX XX/XX/XXXX and only applying one payment. Charging fees for home inspection twice. Please help I sent all of this to the President of US and Attorney General in Texas where Mr Cooper XXXX 
See docs. 
Mr. Cooper 's Rushmore Servicing This servicer is impossible to get a hold of, will not accept my Trust as succesor, charges fee after fee, does not process payments timely and purposely makes payments late even from XXXX XXXX XXXX. 
they did not process the XXXX payment nor XXXX and XXXX that XXXX XXXX XXXX  sent to them instead they did some fancy bookkeeping by finding every fee and way to make it that there were not XXXX payments applied but only one. They are incompetent and deceptive. Lookat what they did to the XXXX payments of {$710.00} from XXXX on the enclosed statement and did not acknowledge the XX/XX/XXXX payment I sent proof of by former servicer. They still manage to put house in jeapardy and my health. 

Now they have not abolished the loan of XXXX that was decades ago and satisfied by XXXX XXXX yet Mr Cooper they will not correct the errors.Valid way to contact a person a phone number that does not send you to XXXX prompts then hang up this is XXXX  that I can not get a hold of a servicer without having to go through default area is the only one that answers Try this number XXXX see what prompts do then they hang up. 
They had a false fax number on website for several weeks until I contacted email to tell them and they removed it. 

I have contacted several friends in tv that see this happening more with ghost paid loans coming out of the woodwork by servicers for banks that do not do proper auditing.Please help there arealot of Florida seniors like myself needing this sercvicer to be disciplined. They should have seen the prior servicer had to leave quickly due to a class action but they were nevertheless working on removing the satisified ghost XXXX XXXX loan. 
Rushmore XXXX was in the process of abolishing it before they had a class action suit and closed down and sold servicing to Rushmore Mr. Cooper, that interrupted the process. I ask Mr. Cooper to make it correct
Consumer complaint received 2024-06-10
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)

XXXX XXXX Account XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-11
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've reviewed my Consumer report and noticed that there was inaccurate accounts on my credit report. I've received an entire report with a totally different name. The credit reporting agency notified me that they've done an investigation which is not true because the reporting is not my name. 
Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum Accuracy I've contacted XXXX and asked them to investigate and remove the inaccurate accounts from my consumer report that they are reporting and I've requested specifically the alleged original application bearing my signature that they have not been able to provide such proof to me The law states If after any reinvestigation under paragraph 1 if 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 promptly delete that item of information from the file of the consumer
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (PA)

Unauthorized monthly ACH withdrawals occurred since on or before XX/XX/year>. I call XXXX, who investigated and found my dispute to be valid, but only credited my account for 3 months ( approx {$700.00} of almost {$26000.00} in dispute ). They told me to call Discover Bank. 

I called Discover Bank and they said to call XXXX. 

Please help. I am XXXX XXXX XXXX.
Consumer complaint received 2024-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

Mohela has fraudulent practices. I contacted Mohela in XXXX of last year when I found out repayments would start up again to start the process. During the pandemic I was paying off my student loans, so I am actually near payoff. What was discussed over the phone was not the payment plan I received, mind you late, just before repayment was due. If you look at my documentation, I was actually on another plan which is what I discussed with the Mohela representative in XXXX and initially received a payment schedule for that plan in XXXX and then it was switched within days to the XXXX plan in XXXX. That's not what was discussed. I went from a payment for less than {$200.00} to nearly $ XXXX. After several attempts to get someone on the phone in late XXXX, I requested the plan be changed. I was told I would hear back in 30 days and that while they evaluated my account, they would pause payments, but I would accrue interest. I called again and asked for a supervisor several times which they never complied with. In the meantime, I requested for a freeze/hold on accessing my bank account while the matter was resolved. They complied for XXXX month and then attempted to pull funds from my account through autopay when I had not reauthorized it. For the next remaining months in XXXX, I received notification on a pause until XXXX. I have asked several times for the loan repayment plan to be changed and that has not happened. Their communication is terrible and when you call and are actually able to get someone on the phone, you only ever encounter trainees who never escalate the issue to supervisors. My existing payment schedule makes no sense which despite it not making sense, I am trying to slowly pay down. As of today, nearly {$1000.00} of interest has been added when I have nearly paid off the loan. I have less than {$1000.00} remaining. They were trying to charge me nearly $ XXXX a month on account that had less than that for XXXX months. I am using my savings at this point to pay off my student loans. This isn't right. I actually was paying my student loans on-time for years and during the pandemic before this restart.
Consumer complaint received 2024-06-10
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)

Collection Management Account Number XXXX Whom It XXXX Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( XXXX ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist Bank sent me a notification on XX/XX/year> of a data breach which has improperly shared my personal & credit information. The notice indicates that Truist Bank and constituent XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ), a third-party debt collection agency network was compromised and personal information was stolen by unauthorized parties.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-10
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (TX)

XXXX XXXX XXXX through my XXXX account. 

I received email that it needs additional information needed for Indigo Mastercard Application. They want my Driver license number and my Social Security Number and Copies of it. 

I did not open any credit card for Indigo Mastercard by XXXX XXXX 

I don't know how anyone would try opening a credit card on my name? 

I believe it maybe a scam or scammers trying to steal my information. 

I will forward the email if the government needs to further investigate these scammers. 
the email was coming from " Indigo XXXX '' They are asking to reply to : " Concora credit Inc, XXXX ''
Consumer complaint received 2024-06-10
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)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Loan was behind on payments, creditor requested past due amount be paid by XX/XX/XXXX or account would be charged off. Payment was made in full for past due amount on XX/XX/XXXX, effective XX/XX/XXXX. Creditor charged loan off and is reporting as past due collection. Payments since have been on time however creditor is reporting as past due collection.

I am unable to get parent plus loan for my daughter having this on my credit. Knowing this is why I made sacrifices to get loan paid current by deadline. Highly disappointed they chose to put in collections despite receiving payment by date requested.