davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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)

Violation of Federally Protected Consumer Rights Dear To Whom it May Concern, I am writing to formally address a serious issue regarding violating my federally protected consumer rights to privacy and confidentiality, as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The following accounts have infringed upon these rights : 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  {$550.00} These violations pertain to several specific sections of the Fair Credit Reporting Act : 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy.

12 U.S.C. 1681 Section 604 ( a ), Section 2 : It states that a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits any consumer reporting agency from including any adverse information in a report that is more than seven years old, except records of conviction of crimes.

15 U.S.C. 1681s-2 : This section states that no person shall 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.

The aforementioned accounts have contravened these provisions, thereby violating my rights under federal law. I request immediate action to rectify these issues and ensure that my consumer rights are upheld.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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. (CA)

I was a victim of Identity theft and I believe someone applied for credit cards from XXXXXXXX XXXX and XXXX XXXX using my information and SSN. I want these inquiries to be removed, and any transactions on my credit report made on XX/XX/XXXX to be disputed since I was not responsible for any of them. They also got a hold of my credit card and bank documents from XXXX which I believe allowed them to get my details and SSN somehow.
Consumer complaint received 2024-06-01
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 am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I did not provide written permission or instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer. 

In addition, I have attached documentation for public records in accordance federal consumers law U.S.1681b.this information is clearly being intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. In addition, the reporting agencies removed all accounts per previous filing and placed them back on my report without any written notice within allot time frame of 5 day.s XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, please correct and remove all names that are not associated with my legal identification. All documents are attached.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Subject : Dispute of Inaccurate Credit Information under the Fair Credit Reporting Act Dear Sir/Madam, I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( FCRA ). The information in question is related to the account listed below : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Discrepancies : Status and Status Updated : The account status is listed as " Paid, Closed/Never late '' with a status update date of XX/XX/year>. However, there is no mention of any balance updates or recent payments, which is required for completeness under 15 U.S.C. 1681e ( b ).

Balance Information : The balance and balance update information is missing. For accurate reporting, these details should be provided, ensuring maximum possible accuracy as per 15 U.S.C. 1681e ( b ). 

Recent Payment and Monthly Payment : The recent payment and monthly payment details are not specified. Accurate reporting should include these details to reflect my payment behavior accurately under 15 U.S.C. 1681e ( b ).

Terms : The terms of the account are not specified. This information is crucial for understanding the agreement and obligations under the account. It should be accurately reported in compliance with 15 U.S.C. 1681e ( b ).

Highest Balance : The highest balance is listed as {$25.00}, which might be correct but needs to be verified for accuracy and completeness under 15 U.S.C. 1681e ( b ).

Payment History : The payment history shows the account as " CLS '' ( Closed ) in XX/XX/year>, with no other payment details provided. This incomplete payment history fails to provide a full picture of the account activity, violating 15 U.S.C. 1681e ( b ) regarding accurate and complete reporting.

Requested Action : I request that these discrepancies be investigated and corrected under 15 U.S.C. 1681i. Specifically, I request the following : Provide accurate balance and balance update information.

Include recent payment details and monthly payment information.

Specify the terms of the account.

Verify and correct the highest balance reported.

Complete the payment history with accurate and detailed information.

Please investigate this matter and correct the inaccurate information as soon as possible. I request a written confirmation once the changes have been made. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if any of the disputed items are found to be inaccurate or incomplete, they must be promptly corrected or deleted.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-01
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. (AL)

I want these wrong accounts on my credit file checked and fixed. According to the Fair Credit Report Act, I should get {$1000.00} for each error. FCRA 605B says to report wrong accounts on credit files.
Consumer complaint received 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (IL)

Every payment I make continues to be reversed through EdFinancial. The wait time for calls takes too long, I have money in my account, the financial information is accurate, but my payments continue to be reversed and I want to pay my loans. Searches online reveal that other people encounter the same problem with EdFinancial reversing payments. This is now my third time attempting to make a payment.
Consumer complaint received 2024-06-01
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XX/XX/XXXX S.S # XXXX XX/XX/XXXX To whom this may concern : It my great pleasure I want to inform you that You violated my right as a consumer! Please be advised that banking system is dependent on fair an accurate reporting Only! When you report inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

Please be advised that YOU have assumed a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I reserve the right to privacy you shall not report ant transactions or experience between myself and the person making the report at all. The only way communication amongst other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. You're reporting information on without no proof or investigation prior to these items being reported on my credit report.

In addition, please reinvestigate the following items : 15 U.S.C 1681a ( 2 ) ( i ) -Definition ; Rules of Construction Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account Number # XXXX Please re- investigate the accounts and remove them from my consumer report. There are multiple violations under the Fair Credit Reporting act .... I have attached the letter with the account names and account numbers with each violation, which enclosed my DL to identify myself. 

*** IN ADDITIONAL, I DO NOT CONSENT TO E-OSCAR VERIFICATION*** Sincerely, XXXX XXXX
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable XXXX, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2024-06-01
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. (VA)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, challenging their reportability according to the FCRA and the accepted STANDARD of metro 2 data field reporting. 

Federal and state laws mandate accurate and complete reporting of allegations, and it is inappropriate to report unlawful claims. I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage, and if lacking, I expect its removal from the report Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ncorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ncorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXX mployer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (AK)

I had a prepaid card that had {$150.00} remaining on it, but it expired. When I called the company they said the balance goes away once the card reaches its expiration date. Pretty sure this is illegal.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

We recently opened a Capital One Kids Savings account with a check for {$5000.00} from an inheritance to my XXXX XXXX XXXX daughter. Capital One cashed the check and placed it into the Kids Savings Account but has placed on hold on the account as well as another savings account that I have had with them for five years or so ( with a balance of {$100.00} ). I've called Capital One on 3 occasions, being placed on hold my long periods of time, and they will not release the money for either account. The are telling me that I must have the person that wrote the check, call Capital One or take a phone call from Capital One, so they can presumably decide if they are ever going to allow us to access this money. The check writer is in failing health and so far is unable to make a phone call. Capital One refuses to do any further investigation, such as calling XXXX, the bank that the check came from or take any other measures to conclude that the check is valid. The check was cashed and the funds taken from the XXXX account over one month ago and the check writer did not file any complaint with XXXX. There hasn't been any indication from XXXX that the XXXX check wasn't valid. There isn't basis or reason to suspect of doubt the authenticity or intent of the check writer. The check is vaild.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-02
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. (AZ)

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. 

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 XXXXXXXX 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.

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 2024-06-02
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. (OH)

XXXX XXXX, XXXX, and EXPERIAN allowed several financial institutions to make inquiries on my credit report without my prior authorization. My prior authorization and expressed written consent is always required. Otherwise inquiries being made on my credit report without consent or authorization is considered identity theft. I will not allow any company to commit any crimes against me using my identity and the likeness thereof. My privacy always comes first and it is my XXXX given right to have privacy at all times. Here is a list of the unauthorized inquires : 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 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

These ( 4 ) accounts are being reported on my EXPERIAN CREDIT REPORT AS POTENTIALLY NEGATIVE. 
YET THEY ARE ALL IN GOOD STANDING AS ALL ( 4 ) ACCOUNTS ARE PAID IN FULL AND CLOSE.

IM ASKING EXPERIAN 
CREDIT BUREAU TO PLACE THE BELOW ( 4 ) ACCOUNTS IN GOOD STANDING AND REMOVE NEGATIVE REMARKS. 
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 THIS ACCOUNT HAS BEEN PAID IN FULL. 
THIS ACCOUNT HAS XXXXXXXX XXXX. 
THIS ACCOUNT HAS A CREDIT LIMIT OF {$700.00}. 
PLEASE CORRECT MY CREDIT FILE WITH ACCURATE INFORMATION.
Consumer complaint received 2024-06-02
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. (IN)

The following accounts listed in the FTC does not belong to me. I am a victim of identity theft. Im requesting validation of this debt and a signed document of my original signature. 
1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2.1. Validation of the debt-that is, the actual accounting.

3.

4.Verification of signed Invoice.

5.A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6.Please provide the original docurse and wet signature if you cant provide these items Delete them.
Consumer complaint received 2024-06-02
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. (MD)

I am a victim of fraud someone is using my SSN to obtain things in my name XXXX, XXXX XXXX and experian has been notified of this and nothing is being done about it. 
I need this to be resolved pronto.
Consumer complaint received 2024-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

On XX/XX/XXXX I received an email from MOHELA stating my student loans had retroactively been put in administrative forbearance for the months of XXXX, XXXX, and XXXX of XXXX. During those same months, I had made the monthly payments as part of my scheduled auto-pay. 

In the email from XX/XX/XXXX, it stated I could request a refund, with no time limit included. After receiving that email, I went to the website to try and figure out how I could request a refund with no success. On XX/XX/XXXX I tried calling MOHELA regarding a request, however due to the long wait times I was unable to speak with anyone. 

On XX/XX/XXXX, I received an email from MOHELA stating my loans were transitioning to a new platform. On XX/XX/XXXX I received an email stating the transition was complete and I could create an account on the new platform. After creating my account and logging in, there was a notification at the top stating " If you were recently notified that your student loan account was placed into an administrative forbearance for one or more of the months between XXXX through XX/XX/XXXX, and you would like to have any payment ( s ) you made during these months refunded to you, you have 90 calendar days from the date shown on your notification to contact us to request a refund. '' This notification included a newly imposed 90 day window to request a refund. The 90 day window also started on a date that has already passed before I received the notification. This suggests that I would not be permitted to request a refund for money I believe I am entitled to. 

I would greatly appreciate if the CFPB could demand clarification from MOHELA on this matter.