davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have requested on multiple occasions the removal of the following addresses and Experian is giving me the run around. The most recent request was on XX/XX/year>. 
I requested the removal of XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX They updated the address to XXXX XXXX XX/XX/XXXXXXXX, XXXXXX/XX/XXXXXXXX. Both are non existing addresses. I have never lived at either address. Furthermore I requested the removal of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX which they updated to XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX. Lastly I requested the removal of XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX and they updated to XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX If you notice here they'll remove the address and change it to a variation to an address that they removed. I do not understand why they will not just remove the address all together. As I've stated before, I have never lived at this address. This is a nuisance!
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2023-10-28
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (VA)

I received a call from XXXX, a representative from Monterey Financial ( MF ), on XX/XX/23 who followed up on the email exchanges I had with the company. I told XXXX that I do not owe any debt to MF. He told me that MF is just a loan servicer, not a debt collector. Yet in the email exchanges, it clearly states that MF is a debt collector. Even on its website, it prominently states that it is a debt collector. XXXX threatened that if I do not pay, the company will report it to the credit reporting agencies which would damage my credit. I have never received a statement from MF or XXXX showing the amount owed, payment due date, and amount due.. NOTHING! 
I believe Monterey Financial is not just a debt collector in this transaction. It is an active participant in foisting a scam. If it is just a debt collector, why does it aggressively advocate XXXX 's interests? It encourages me to ask for its help in taking advantage of my XXXX membership. 
I have attached the email exchanges between MF and me, and the letter I sent to XXXX XXXX XXXX which triggered this email exchange.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My account with XXXX XXXX  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 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 XXXX days before the payment due date. 


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 XXXX 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-10
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. (NJ)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Employer - XXXX XXXXXXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-10-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NH)

I am a XXXX XXXX and submitted my application for XXXX in XX/XX/2022. I have enough payments to qualify between my XXXX XXXX and two jobs post XXXX 

Both the XXXX XXXX XXXX and federally qualified XXXX XXXX that I worked in have been deemed as not eligible employers, however that is impossible I attended XXXX from XXXX, Worked in the state of CA at an approved NHSC XXXXt loan forgiveness site from XXXX, and a Federally Qualified XXXX XXXX XXXX. 

I have called Mohela 7 times spend in over XXXX on the phone, since XX/XX/2022. Multiple addendums have been added and submissions for reconsideration and I still get rejected. 

I have submitted my Tax documents for my work in California, as well as both a letter from the hospital that owned the clinic stating that I was under a service agreement with them & my XXXX site approval letter and successful completion. 

My last employer verification for the XXXX was submitted and verified. I should have no reason to delay forgiveness. 

I am undergoing a divorce and these extra loans are an unnecessary burden to me. 


I would like my student loans forgiven asap.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2022-11-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

The debt amount that XXXX XXXX claimed to collect is false. I made several calls to confirm the amount with my health insurance company, XXXX, ( case refer # XXXX and # XXXX ), and confirmed that XXXX XXXX wrongfully claimed ( double claims submissions and overcharging in-network service ) the services they provided on XX/XX/XXXX. 
The staff at XXXX, XXXX, and myself had attempted to call and to leave the voice mails to XXXX XXXX accounting department multiple times. No one answered to the phone or called back. 
Currently, the amount {$450.00} ( including interest {$34.00} ) that XXXX XXXX claimed, through Transworld System Inc ( a debt collector ), offers no details of the services they provided, nor offers the exact date and time the services were provided.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with ( XXXX XXXX XXXX, XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 ) 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 2024-07-10
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. (TX)

on the Experian website. XX/XX/XXXXexperian.com I look at my report. I saw help your credit by adding a new card. With no worries about a ding in your credit report if you do not qualify. 

Well, I took their word and applied, I didn't get approved for the exact card but I did for others. I denied the offer, because it wasn't a very good one. With in a minute I got a text from wallethub, and hard inquiry was reported on my credit. 
It dropped my score, and will remain on my account until XXXX ofXX/XX/XXXX I want this corrected. If it was honest about it affecting my score, I would have never attempted it. 

I have worked hard for XX/XX/XXXX years to fix my credit. This was attempt to continue it, but Experian Lied with false advertising they allowed on their website. 
If I knew how to files charges I would, I will be looking into it. Suing or whatever I may be able to do.
Consumer complaint received 2024-07-10
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)

I am a victim of identity theft. As such i filed a formal report of identity theft at XXXX I then sent a formal written request with competent evidence attached ( certified mail ) to XXXX for information regarding fraudulent activity on my credit report. I sent proof of address, a copy of my SS Card, Proof of residency ( utility bill ) and a copy of my government issued ID card along with my identity theft report, FTC report # XXXX filed online. Experian then accused me of " material misrepresentation '' and stated that i received " goods or services '' from the retailers. This statement was untrue and Experian refuses to remove the fraudulent accounts from my credit file. All of the documents required by law, and a sworn statement have been provided to them. I also called and they refused to provide the legal statement i asked for from their office of general counsel ( legal department ) that i requested with a detailed written explanation to include documents, names times and dates in the investigation. An investigation was never conducted and if it was, in violation of the law they refused to send me documents i requested in writing. All XXXX of the vendors, and both of the credit agencies are in the process of removing the information from my file. Experian refuses to comply with the legal written request to remove and block the information from my file as per section XXXX of the FCRA specifically FCRA XXXX ( XXXX. XXXX XXXX ). I am Filing this request in hopes that the FTC and CFPB will force Experian to comply with federal law and remove and block the items from my credit file immediately. Experian has directly caused financial harm to me and my family with its blatant disregard for consumer protection. As a direct result of Experian 's failure to take action when legally required i was denied a loan for housing. I am a XXXX Veteran who now is at risk of being XXXX due to the situation.
Consumer complaint received 2024-07-10
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. (PA)

I was recently reviewing my credit profile and noticed multiple fraudulent hard inquiries. These inquiries are unfamiliar to me and I never given my personal information out for these inquiries and I never gave my consent/authorization for these inquiries. Below I will listen to fraudulent inquiries to be disputed. 

XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Services XX/XX/XXXX XXXX XXXX  Acceptance XX/XX/XXXX Capital XXXX via Dealer XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXXl XXXX via Dealer XX/XX/XXXX
Consumer complaint received 2024-07-10
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. (GA)

Ive been dealing with INCORRECTLY REPORTING student loan accounts for about a year or so ( when I first found out ) and upon submitting disputes with the reporting agencies they all claim they have done their investigation and everything checks out. But when I called the XXXX XXXX XXXX XXXX MYSELF, attempting to fix the issues with the XXXX or creditor, they surely ADMITTED that the INFORMATION BEING REPORTED WAS INCORRECT. 

Reporting incorrect information is a violation of the XXXX XXXX. On top of the fact that I was never given any disclosures about the reporting, whether I wanted info reported, and how to go about not having my non-public info reported. Another violation. 

The XXXX XXXX also states any inaccurate accounts must be corrected or deleted, and to this day they have done XXXX of the XXXX options. This is willful negligence and it has set me back YEARS, because their report says I OPENED a student loan in XXXX, AND I DID NOT. I WAS NOT ENROLLED AT ANY SCHOOL to even need a loan in XXXX, nor did I sign for any loans in XXXX. The employees at these agencies are negligent and the agencies need to be audited. These people should not be working in these offices playing with peoples lives. They should know the law and adhere to it, as they generate reports that alter the trajectory of ones life. I will be seeking litigation if they refuse to do an actual investigation. Ive asked the bureaus and the DOE themselves to produce any documents or contracts of said XXXX student loan, with the amounts stated and to this day they havent sent XXXX. Anytime I dispute they simply send back a letter saying the accounts were verified. How were the accounts verified without these documents??
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX BANK XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX '' date opened XX/XX/XXXX 2018
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :