davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
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)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-09-13
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. (NY)

IN accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
I looked at my Experian report a few days ago, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, 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 the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are not suppose to furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-13
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. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I recently reviewed my consumer reports and noticed that there was 3 late payments listed on my account that I was never late paying. Its the consumer reporting agencies duty to report Information as accurate as possible. I was not late on this account. Account name KOHLS/CAPONE Account number XXXX Account type Charge Card. Please investigate and provide proof with statements showing late payments. If proof can not be provided, please remove the late payments from my report. Thank you.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I have noticed theres some unauthorized inquiries on my report, and jobs and addresses I never stayed in. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX. XXXX XXXX XXXX. Experian, Address that I never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2024-09-13
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. (NY)

The following Accounts, US Department of Education US Department of Education, US Department has violated my rights pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, states validation is requested.

Pursuant to 1006.34 Notice for validation of debts. A debt collector must provide a consumer with the validation information required by paragraph ( C ) ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. 

( ii ) The consumer 's name and mailing address. 

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. 

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. 

( v ) The name of the creditor to whom the debt currently is owed. 

( vi ) The itemization date. 

( vii ) The amount of the debt on the itemization date. 

( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 

( ix ) The current amount of the debt. 

Pursuant to 685.215 Discharge for false certification of student eligibility or unauthorized payment. 

If the borrower 's name is on the loan application or promissory note without the borrower 's authorization ; this action qualifies for a discharge of false certification.

Unauthorized payment. The Secretary discharges a borrower 's ( and any endorser 's ) obligation to repay a Direct Loan if the school, without the borrower 's authorization, endorsed the borrower 's loan check or signed the borrower 's authorization for electronic funds transfer, unless the proceeds of the loan were delivered to the student or applied to charges owed by the student to the school.
Consumer complaint received 2024-09-13
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. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2020-01-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA (FL)

I bought the car from Kia and they went through Kia Motors Finance. I have spoke with their company several times and I was originally advised on their recorded line that they would put two payments at the end of the loan. After several calls they changed it and I asked for a manger to review calls because this is a UDAAP violation. They would not, they would not return my calls. I continued to call for a manager. They put me on a DNC list and I didnt ask them too. Now my car was repoed due to being 59 days late. While trying to get it resolved I asked the rep if I was in danger of repossession and they stated no. The Repo company now charged me XXXX to get my belongings and stole some of my items out of the car. This must be fixed. If not I will seek a lawyer to have KMF pay for all this emotional stress and health issues they are causing.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with was never late! I have had exceptional payment history witH 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 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 60 days 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.

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 8
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-13
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. (GA)

I am XXXX XXXX XXXX that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar is not acknowledging my appeal request even though it was faxed it prior to the due date and have decided to proceed with the auction of my home and not allowing me any options besides reinstating {$80000.00} which I currently do not have or short selling my home. They have denied me for all government programs due to my house being upside down in equity. It is not my fault the housing market it not what it used to be and I feel this is an unfair reason to deny me of options to save and keep my home. I was denied because they said they were unable to create an affordable payment. I can afford the payment not that my expenses have reduced so why ca n't they just allow me to make my payments?
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts 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 to be removed/updated.

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. 

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!
Consumer complaint received 2024-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I was on the SAVE Plan until XX/XX/XXXX. I applied to consolidate my loans right before the deadline to do so for the one time IDR adjustment on XX/XX/XXXX. I spoke to a Mohela agent on XX/XX/XXXX to confirm that I am on the SAVE plan and do not need to renew. I was informed I am on the SAVE plan until XX/XX/XXXX and do not need to renew, that once my federal loans finish consolidating I will go right back into the Save plan. My consolidation completed XX/XX/XXXX and I have newly started to accrue interest since that date. My XX/XX/XXXX application for IDR plans has still not been processed by Mohela and I have been told now new and different information that since I tried to consolidate and there was a court injunction on XX/XX/XXXX my IDR plan application has just been pending and I cant even been placed on a SAVE forebearance even though I was on SAVE until XX/XX/XXXX before I consolidated. As a result of this mistake, I have accumulated as of XX/XX/XXXX {$5900.00} in interest in just these 5 months alone. This is very concerning for me. Mohela has placed me on a " Processing Forebearance '' which accumulates interest. They refuse to put me on a " SAVE forebearance '' like other students and have sat on my IDR application without doing anything since XXXX/XXXX/XXXX. It is very frustrating
Consumer complaint received 2024-10-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (MI)

Very bad service, the representative or so-called XXXX handled my application process poorly. XXXX was very rude, confused and uninformative on the loan process. 

They have no customer service experience. I had to call back XXXX  in XXXX days to get an answer only to get a half baked excuse with no explanation on an unapproved loan. Avoid doing business here. 

They take your information and share it with other companies and dont inform you if youre approved not. Playing games with you mind on how your pre-approved for loans?!?!
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch (NC)

XX/XX/year> SECOND ROUND, LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX \nSubject : Notice of Dispute and Request for Debt Validation\nAccount Number : XXXX XXXXXXXX To Whom It May Concern : I am writing to formally dispute the alleged debt associated with the above-referenced account. I do not recognize this debt, and I deny owing any amount to SECOND ROUND, LP. Prior to this letter, I requested debt validation from the original creditor, but they failed to provide it and instead referred me to SECOND ROUND, LP. Given these circumstances, I am requesting that you validate this debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

Please provide the following documentation : 1.Proof of Debt - A complete and itemized validation of the debt, detailing the amount allegedly owed and a breakdown of any associated fees, interest, and charges. 2.Proof of Ownership - A copy of the
purchase agreement or assignment of the debt from the original creditor to SECOND ROUND, LP to substantiate your authority to collect this debt.

3.Licensing and Bonding Information - Proof that SECOND ROUND, LP is licensed and bonded to operate as a debt collector in [ Your State ].

4.Full Disclosures - Any other documentation in your possession that supports your claim of this debt, including the name and address of the original creditor and any contract or agreement that establishes an obligation for me to pay.

5.Reporting Information - Confirmation of whether this alleged debt is currently being reported to the credit bureaus by SECOND ROUND, LP or if the original creditor is still reporting it. I also believe my rights have been violated through misleading, false, and deceptive representations regarding this debt, which raises further concerns about the legitimacy of your claim. 
Additionally, I would like to inform you that, to the best of my knowledge, the statute of limitations on collecting this debt has expired in XXXX XXXXXXXX XXXX XXXX. If this is indeed the case, you are no longer legally permitted to attempt to collect or take legal action on this debt. 
Until you provide the requested documentation validating this debt, I am requesting that you cease all collection activity related to this account, including communications with me, as well as any credit bureau reporting on this debt. If this alleged debt is currently being reported, you must notify the credit bureaus that it is in dispute. 
Please respond within 30 days of receiving this letter. Failure to provide the requested information will be taken as confirmation that you can not validate this debt, and I will consider the matter a further violation of my federally protected consumer rights.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (IA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : ITEMS TO DISPUTE Personal Information : Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX