davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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 couldnt believe it when I checked my credit report this afternoon and found inaccurate accounts. I regularly monitor my report, but this time, these errors just appeared out of nowhere, and I cant figure out why. I even refreshed my browser, hoping it was just a technical issue, but nothing changedthe incorrect accounts remained. This situation is very upsetting, and Im asking that the documents Ive submitted be thoroughly reviewed so I can stop worrying about this issue forever.
Consumer complaint received 2024-09-06
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)

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 are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-07
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. (OH)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS XXXX  DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Consumer complaint received 2024-09-06
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. (CA)

On XX/XX/year> I sent several dispute letters to all XXXX credit bureaus ( Experian, XXXX, XXXX ) in regards to multiple fraudulent accounts negatively affecting my credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that were a result of identity theft due to a data breach and they did not remove the accounts. According to the FCRA code 1681 15 USC 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.
Consumer complaint received 2024-09-06
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 was stunned to see incorrect accounts listed on my credit report this afternoon, and Im at a loss as to how they appeared. I review my credit report regularly, but this time there were unexpected discrepancies. Thinking it was a technical issue, I refreshed my browser, but nothing changed. The inaccurate information stayed right where it was. I urge that the documents Ive provided be carefully reviewed so I can finally stop worrying about this.
Consumer complaint received 2024-09-06
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX Balance : {$640.00}
Consumer complaint received 2024-09-06
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. (AL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the last date active is inaccurate and the last date reported is not accurate. This is grounds for removal they also violated my rights under 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 an account without my written instructions Also the credit bureaus took more than XXXX  days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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. ()

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-06
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: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My wallet was stole and my debit card was used on XX/XX/XXXX shortly after XXXX at 2 different gas stations XXXX XXXX for {$60.00} and XXXX XXXX for {$9.00}. 

I filed a claim with Citizens bank and they denied the fraud report, I have a police report and have video/picture proof that my debit card was used by the individual who stole it.
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (AL)

" 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 2024-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CA)

My process that leaded me to this complaint I was getting harassing calls from these collections companies, and emails, plus mail that I was giving them payments when there was no payments done. What so ever by my part. 

I explained the collection companies I was in the do not call list which I attached to this complaint and the calls went from 3 per day per account to XXXX XXXX XXXX very early in the morning to XXXX. 6 times per account and per day. 

I printed my credit report. 
I saw that this collection companies. 

RESURGENT/LVNV FUNDING has XXXX accounts under open, under collection, and wrong information of the debts was in my credit report. Depts were closed by the original creditor and mentioned to me that they were Charge off. Place of loss to the taxes and send 1099 's LVNV Funding LLC has ; LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX 
Account Number : XXXX {$350.00} LVNV Funding LLC Original Creditor : XXXX XXXX  Account Number : XXXX Balance : {$6200.00} LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Balance : {$760.00} LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Balance : {$1500.00} LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Balance : {$1400.00} XXXX XXXX XXXX has ; Account Information : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Account Number : XXXX Balance : {$540.00} I asked for the collection company to verify my information, the dept, to send me proof I did a contract with them, proof of my social security, my address last payment done, that they own the dept and could collect on the behalf of the creditor. 

Base on Inaccurate Information Pursuant to 15 U.S.C. 

In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the dispute information I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 

If after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verify, I expect the prompt removal or correction of the disputed item from my credit report. 

Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: NATIONAL FUNDING, INC. (IN)

On XX/XX/XXXXXXXX XXXX XXXX I discovered National Funding had posted false, damaging information about my company on XXXX, a platform used by alternative lenders. The report alleged fraud and verification failure. 

I immediately contacted National Funding for clarification. They claimed a loan application was submitted using my company 's email, but I have no knowledge of any such application. 

National Funding stated the application was made by an individual who represented himself as an owner-operator. This person is my ex-spouse, divorced since XX/XX/XXXX, with no authority in my company. 

I filed a police report for potential identity theft and submitted a notarized form to National Funding as advised by their representative. 

On XX/XX/XXXXXXXX XXXX XXXX National Funding responded, refusing to remove their XXXX post. They provided no evidence of the alleged application despite my requests for : 1. Copy of the loan application 2. Any recorded conversations 3. Email correspondence 4. IP address and location data National Funding failed to verify the application with me, the sole owner and authorized representative of the company. Their actions have damaged my business 's reputation and relationships. 

I've attempted to resolve this directly with National Funding, but they state the matter is closed. Their refusal to correct false information or provide evidence raises serious concerns about their practices and the potential for retaliatory action based on past dealings with my ex-spouse.
Consumer complaint received 2024-01-31
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)

Did not enroll in auto-pay however auto payment was taken XX/XX/XXXX for {$94.00} after manual payment made in XXXX. 

Started receiving notices of late payment for this payment and called to inquire on XX/XX/XXXX at XXXX EST and was on the call for 1 hour and 26 minutes. I was advised there was no record of the auto payment and to send proof of payment. Requested to speak with a supervisor and was advised I would need to receive a call back within 48 hours. No call was ever received. 

On XX/XX/XXXX, when I received notice of the next payment due of {$580.00}, I canceled the auto-payment and removed my bank account. I sent an email as instructed indicating that my bank statement showing proof of payment on XX/XX/XXXX had been uploaded via the Edfinancial secure site, and requested a call from a supervisor. Again, no call was ever received. 

On XX/XX/XXXX, I received an email from Edfinancial in response to my email inquiry as resolution to my pending request indicating their records show I called and was able to resolve my issue. I hadnt called ( this time ) and my issue was not resolved. I called to inquire about this email on XX/XX/XXXX at XXXXXXXX XXXX  and was advised the support was received, is being researched and would take about 30 days but I would receive a response either way. 

I called again on XX/XX/XXXX at XXXX EST and was advised the issue is not resolved and there is no estimated timeframe for research requests. When advised I was told 30 days I was advised that is not true. I again asked for a supervisor and was told it would need to be submitted and I would receive a call in 48 hours. I sent an email correspondence via the Edfinancial website requesting an immediate call from a supervisor. 

Tonight, at XXXXXXXX XXXX EST, I received a call which came through my cell as spam. It was not the Edfinancial number so I did not answer. This was apparently the supervisorI requested although the voicemail did not identify the individual as such. I returned the call at XXXX EST and spoke to a customer service representative who reviewed the account and indicated she was advised to request I submit proof of payment for research. I explained I had already done that in XXXX, had spoken to multiple people ( no supervisors ) since then and was waiting on resolution. I, again, asked for the supervisor and was told she would need to submit a request for call back in 48 hours. I advised I was returning a voicemail from literally 20 minutes earlier but she refused.

This student loan servicer is completely incompetent, mishandles payments, has zero customer service, rude reps and no escalation process. This is completely unacceptable. I would like my payment applied and am concerned about making any additional payments which may be mishandled and cause me to perpetuate this insanity!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX XXXX XXXX AND XXXX XXXX  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 XXXX, 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 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 XXXX XXXX XXXX XXXXXXXX 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 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

After closing a card for legitimate fraud, Wells Fargo applied a statement balance that I had paid off to the new account/card. 

XX/XX/XXXX - Statement for credit card ending in XXXX was issued showing a running balance {$750.00}. 
XX/XX/XXXX - That running balance was paid off in full - XXXX ( this is the account transfer confirmation from my checking account ) bringing the running balance back to {$0.00}. 
XX/XX/XXXX - I received a text message asking for approval for a {$230.00} charge for XXXX 's XXXX in XXXX XXXX CA. Being in Texas at the time, I knew this was fraudulent and immediately canceled the card. 
XX/XX/XXXX - I received a charge on my new account ending in XXXX for the last statement balance of account XXXX ( remember this statement balance was taken on XX/XX/XXXX but was paid in full on XX/XX/XXXX ) which is what the error is. ( XX/XX/XXXX XXXX LAST STATEMENT BAL FROM ACCT ENDING XXXX XXXX ) After speaking with their customer service/support, supposed " executives '' of their credit team, and supposedly their management. They all gave the exact same answer, that there was nothing that they could do because the charge was legitimate. 

It seems as if they were all reading from the same script, I would not be surprised, given Wells Fargo 's track record in recent years, that this sort of fraud is common place.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

I went in the branch ( chase ) to transfer XXXX to XXXX to pay mortgage but it never arrived. I have contacted with the agent ( reciever ) and he didn't get it. This is not the first time for this transaction. XXXX us the third attempt and still didn't work. I have contacted Chase and went in the branch try to resolve this matter but unsuccessful. I have the refund case # XXXX  from Chase. Can you help to solve this problem please. Thank you so much.
Consumer complaint received 2024-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

I am filing this formal complaint against Mohela for their gross negligence, inefficiency, and failure to properly manage my student loan account, which has caused significant distress and financial mismanagement on my part. 

During my XXXX  XXXX bankruptcy plan, when my loans were transferred from XXXX XXXX, Mohela failed to follow up or provide the necessary documentation to ensure a smooth transition. Furthermore, they have repeatedly failed to retain or furnish any records related to my loans prior to XXXX, including essential promissory notes and other loan documentation. This failure to maintain accurate records constitutes a severe breach of their responsibilities as a federal student loan servicer. 

Mohelas handling of my account has been unprofessional and negligent, placing an undue burden on me as the borrower. Their lack of transparency and failure to meet the standards of service expected of a federal loan servicer has caused significant frustration and financial complications.

Given these issues, I am requesting the Consumer Financial Protection Bureau investigate Mohelas actions and take necessary corrective measures to ensure that my loans are reassigned to a servicer that upholds the required standards of transparency, accountability, and professionalism.

I trust that the CFPB will address this matter swiftly and take appropriate action to protect borrowers like myself from further harm due to Mohelas mismanagement.

Thank you for your attention to this serious issue.