davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above accounts were previously reported on my Experian consumer report ILLEGALLY, since then all accounts have been deleted. Per the FAIR CREDIT REPORTING ACT, all violations result in {$1000.00} per violation.

According to the FCRA, 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX $ per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$0.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 2024-06-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (AZ)

XXXX XXXXXXXX XXXX XXXXXXXX is the original creditor Wakefield and Associates are a collection agency. 
I dont owe any XXXX XXXX XXXX  XXXX and I had XXXX but I was going through an appeal on XX/XX/year>. So I didnt even go to a hospital or use XXXX XXXX XXXX I dont know XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX of 2025 Experian verified and an validated this XXXX XXXX XXXX account XXXX after reinvestigation. Experian failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates usc 1681 c-1 c-2, and 1681 I. Furthermore This account after reinvestigation is still reporting inaccuracies which I provided proof of these fraudulent inaccuracies. Two different agencies reporting information differently which one is accurate? There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I do recognize this account that reporting on my report The collection agency has engaged in false and misleading practices violating FDCPA 807 and providing misleading Forms violating FDCPA 812. Im requesting the CHAIN OF CUSTODY of this debt, LICENSE TO COLLECT DEBT IN NEW JERSEY and asking for PURCHASES AGREEMENT. If XXXX XXXX XXXX Can not provide anything Im asking for delete these collections account off my report IMMEDIATELY.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

On XX/XX/XXXX my phone was stolen and hacked into to get my personal information. I blocked the phone on the day it was stolen and got a new XXXX the next day. On XX/XX/XXXX I received a text from an application that I use to transfer money internationally that they were not able to complete a transaction, this was not a transaction that I had ordered, I logged into my account and saw that there were several attempted transactions from my XXXX account. I called the bank and had my account numbers changed, as well as got the money reimbursed that was stolen from the account, and the fees that ensued because of it. Then on Sunday I received a text message from CIT Bank, for a two factor authentication, when I logged into my account {$16000.00} had been fraudulently wired from my account to someone named XXXX XXXX. I changed the password immediately and contacted the bank the next day when their call center was open. The person that I spoke with informed me they had to shut down my account and to wait for the bank to contact me, I then reported the incident to the XXXX XXXX, as well as the local police here in XXXX, XXXX ( I am a XXXX XXXX XXXX XXXX  ) I also reported the incident to the prosecutors office ( XXXX ) here and filled out the FBI form for internet crime. On XXXX I spoke with XXXX XXXX ( XXXX ) from CIT bank who informed me they were trying to reach the bank that the funds were transferred to to try to get my funds back. On XX/XX/14 she called me and told me it was not possible to get my funds back. 
I think it is ridiculous that the security system at the bank did not flag and put a stop to this unusual amount of movement that has drained my savings of money I spent years building up, and CIT can simply walk away from this without any restitution for me as the consumer.
Consumer complaint received 2024-06-15
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. (VA)

Ive tried multiple times with no prevail, I waited over 30 days 2 times and the last one they still didnt fix my credit report, I have XXXX accounts on my credit report that are 5 years or older and per XXXX law its illegal to collect ANY debt over that time period, so it is to be taking off, I also called Experian and give them notice of the things I was opting out of and per 15 usc 6508, when the company is giving notice they are to fix it and have it reflected on my credit report, they are also reporting bank transactions which is illegal, and I haven't received my 1099cs for any of these accounts in order to do my taxes properly, they are violating my consumer rights and not doing theyre job
Consumer complaint received 2024-06-11
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)

XXXX XXXX put a credit request ( inquiry ) on my credit report on XXXX. I was in XXXX  during this time. I will upload the documents showing l was in XXXX. 
Please have them to remove the inquiry asap.
Consumer complaint received 2024-05-29
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. (WA)

This is the third of a related complaint. Background : I had an affordable apartment approval revoked due to inaccuracies on XXXX 's credit report. 

One of those errors was XXXX credit card. I made my final settlement payment on XXXX and was told in 30 days it would reflect as " settled paid in full ''. 30 days later, it did not, so I called. A supervisor said they would escalate. Around XX/XX/XXXX, the affordable unit I had been approved for was denied, citing the credit cards as the only reason. I called XXXX again and was told it would take another 30 days and the issue was escalated to upper management. 

Sometime in XXXX, upper management denied the dispute, saying that it was reported as a XXXX balance " paid in full '' and they had no control over the credit bureaus reporting it correctly or not. They also issued a dispute with the credit bureaus, without my authorization. Please note, that some apartments will not approve a lease when you have an open dispute. I did not authorize XXXX to initiate a dispute with the credit bureau. 

I just called again today and the supervisor acknowledged the error and that upper management should not have denied the dispute. He opened a new dispute with another level above upper management and said it would get resolved in 1-3 days. However, the damage is already done and they are not offering compensation for any of this. 

No one has ever disputed that the balance is XXXX as a paid-in-full settlement. 

Also, I checked the credit reports today and saw the " disputed '' code on the XXXX card. After my call with upper management today, I noticed the " disputed '' code had been removed, just an FYI.
Consumer complaint received 2024-06-15
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)

On XX/XX/year>, XXXX XXXX XXXX credit bureaus has been reporting inaccurate information that has been demential to my report. This is violating my rights under the FCRA laws and certain transactions.
Consumer complaint received 2024-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (HI)

On XX/XX/XXXX loan servicer, Edfinancial, has added interest charges of $ XXXX to my account, back dated the interest charge to XXXX of XXXX, then applied credit adjustments to the back dated interest charges. 

When I asked Edfinancial why they charged me interest of $ XXXX in one days time, I was first told, it was due to my daily interest rate. When I explained that XXXX  % interest on a $ XXXX balance does not equate to $ XXXX interest being charged in a single day, Edfinancial then said they would research it.

I received a call back from an Edfinancial supervisor who said they looked into the matter and advised me that the $ XXXX in interest was per instructions from the Dept. Of Education to provide me with a $ XXXX interest CREDIT. When I pointed out that they incorrectly charged that interest to my account instead of applying it as a credit, I was again told that it would be looked into, yet no timeline could be provided as to when it will be corrected. 

Meanwhile, Edfinancial now reported to XXXX that my account balance is $ XXXX HIGHER due to the wrongfully added interest. 

More importantly, they applied other credits after back dating the $ XXXX interest charge, which should've been applied to my principal. They basically back dated an income interest charge and stole my credit adjustments by applying it to interest that should've never been applied. 

Edfinancial has an email system geared to frustrate the consumer. After trying to submit an email on their portal it kept refusing to submit due to an " invalid character. '' Yet their website does not advise you of which character is invalid. It took me about XXXX minutes of trial and error, and I discovered that their website won't accept the characters : - or '. Thus you can't shorten words such as " can't '' which eat into the XXXX character limit Edfinancial allows. Such an opaque means to send Edfinancial an email must be a method to deter the end user from contacting them.

I finally received a response from Edfinancial, yet they provided me with first, an email that didn't even address my question and only directed me to contact XXXX. Keep in mind if I asked XXXX questions about this, they direct me back to my loan servicer. Secondly, they responded after I pushed for further response, with an email that yes, the interest was applied incorrectly, yet they've done nothing to correct my account balance and interest continues to accrue based on an principal balance that is incorrect.
Consumer complaint received 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

On XX/XX/XXXX, I made a payment of XXXX to my un-subsidized loan. The money was taken out of my account in the next few days. This should have paid off my loan in full, and closed the loan. It is now XX/XX/XXXX, and the payment has still not been posted, and the money is still missing from my account. In fact, the balance in my un-subsidized loan is growing because of the interest. I called the customer service line and was told that it would be resolved in 25-30 days. I have been lied to, and the problem is still not resolved to this day.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IA)

I have a few issues with EdFinancial who services my federal student loans. I am completely dissatisfied by this company and their customer service. 

1 ) My payments are due on the XXXX of each month. I am enrolled in autopay. The autopay date can only be the due date so in this case, my autopay date is the XXXX. Funds are drafted from my account on the XXXX of every month. Apparently it takes 2-4 business days for these payments to process. I get notified every month that my payments are past due since they arent being applied to my account until the XXXX of each month. I have called 2 times regarding this. Once in XXXX and once today XX/XX/XXXX. I was advised this can not be fixed. This is completely unacceptable that my account is showing as past due and I am being notified when I am making the payments on time, the only way they allow the payments on autopay and through no fault of my own. 

XXXX ) On XX/XX/XXXX my account was drafted for my monthly autopay. I got an email on XX/XX/XXXX from direct loans that my account is almost 30 days past due, even though the payment was taken out of my account on the XXXX  due date. I called customer service on XXXX and was advised the payment was not applied correctly and they will try to have it applied by sometime next week. So my payment has been with Ed Financial for almost a month while my account is showing almost 30 days delinquent.
Consumer complaint received 2024-06-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

In XXXX of XXXX, I obtained a loan for approximately {$4700.00} from XXXX. When I obtained the loan, I had it set up for automatic withdrawal from my checking account and provided them with my account number and routing number. I also requested telephone contact or email if there were any problems with the account. 
Up until XXXX XXXX, the direct withdrawal went on with no problem. On XX/XX/XXXX, we signed a contract selling our home and attempted to sign the paperwork on our new home, and my wife was informed that I had a 30 to 59 day late hit on my credit score, and that my credit score had dropped considerably. This Late report was from the XXXX XXXX. 
My wife then contacted XXXX via the telephone to find out what had happened. The credit union stated that they didnt know why the direct withdrawal had stopped, and that they could not explain why we were not contacted. They told my wife that they would file a dispute to have this removed from my credit, but that it would take up to 30 days! She told them that we needed it sooner than that, and they said all they could do was give her a letter saying it was in dispute. 
I then called XXXX and explained to them that this was not acceptable, and that because of what they had done, it had dropped my credit score from XXXX to XXXX, dramatically effecting our ability to qualify for our home loan. Keep in mind, our existing home is now under contract. This essentially renders us homeless unless this is corrected. They told me that they had filed the dispute and thats all they could do. 
I contacted XXXX today to see if there was anything they could do, and they informed that there indeed was the 30 to 59 day late hit on my credit report. I explained the situation to them and they informed me that there wasnt a dispute filed yet, and they helped me file the dispute. They told me this could take up to 30 days. 
Due to all of this, we were not able to qualify for the conventional loan for our new home. Our lender was able to get us qualified for an FHA loan which now will cost us higher interest rates and we are barely able to qualify. This will additionally cost us nearly {$15000.00} in additional loan fees all because of this one report. 
It is not right that a lending institution simply stops an automatic withdrawal on a loan, fails to notify me, and then reports it on my credit score, thus causing thousands of dollars in damages to me. Mountain American Credit Union failed me an my family. This was a shock to me, my wife and the lender that has been helping us.