davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

In XX/XX/XXXX, I was alerted to a new collection account being reported on my credit report. Upon further investigation, I was able to confirm that the alleged debt had passed the 7 year limitation, per the Fair Debt Collection Practices Act. It was first purchased, from the original company XXXX, by a collection agency by the name of XXXX XXXX XXXX. After the 7 year deadline had passed, this collection dropped off of my credit report. It later reappeared, being reported by a new company by the name XXXX XXXX XXXX XXXX, that must have purchased the debt from XXXX XXXX XXXX and was attempting to re-age the debt. I disputed the collection with Experian, the only credit bureau that had this listed on my report. They completed an investigation, and instead of denying it outright, they " updated '' it by adding more erroneous information. I once again disputed it, with the same result. I provided them with documents showing a past credit report listing XXXX XXXX XXXX as the previous debt collection agency reporting this debt, which I will attach to this letter. I also sent a letter directly to XXXXXXXX XXXX XXXX XXXX, requesting validation. They sent me back the original contract signed with XXXX  in XXXX, and a note written by XXXX, making the fraudulent claim that they had sold the debt to XXXX XXXX XXXX XXXX, when in fact, the company they sold the debt to was XXXX XXXX XXXX. So, to recap, this debt is older than 7 years, and by law, is required to come off of my credit report, but is being fraudulently re-aged.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2024-05-03
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (SD)

I am writing to express my concern and dissatisfaction with how XXXX, XXXX, and XXXX as consumer reporting agencies, have handled my private information. As a federally protected consumer, I believe that my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and the Right to Financial Privacy Act ( 15 USC 6801 ) have been infringed upon.

Under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. Additionally, 15 USC 6801 establishes the explicit policy that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to uphold customer privacy. The companies listed in my FTC report have violated there terms and conditions under the privacy act of 1974.

I would like to bring to your attention that, according to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report in accordance with the written instructions of the concerned consumer. Regrettably, I have not provided written consent for the disclosure of my information to XXXX, XXXX, XXXX, or the furnisher of information to credit agencies. 

Furthermore, I am exercising my right to opt-out of the reporting services, as outlined in 12 CFR 1016.7, which states that a consumer may exercise this right at any time. Despite this, I have not been informed of my ability to exercise the nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 

It has come to my attention after reviewing my most recent consumer file that XXXX, XXXX, and XXXX are reporting adverse information without my consent, which is a direct violation of 15 USC 1681C ( a ) ( 5 ). This action is also contrary to the provisions of 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies.

Moreover, 15 U.S. Code 1681e emphasizes the necessity for consumer reporting agencies to maintain reasonable procedures to avoid violations of the sections above. In this regard, XXXX, XXXX, and XXXX have failed to uphold such reasonable procedures. 

I demand that my privacy rights are respected and upheld in accordance with federal laws and the accounts listed be removed from my consumer file as I did not authorize any of the companies to furnish my information Additionally, I am revoking any and all consent, whether verbal, non-verbal, written, implied, or otherwise, for the disclosure of my information to XXXX, XXXX, XXXX, and all the financial institutions reporting my private information to the credit agencies. 
I appreciate your attention and expect a prompt and comprehensive resolution.
Consumer complaint received 2023-09-21
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. (CA)

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau.

After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediatly. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.
Consumer complaint received 2024-05-04
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: EQUIFAX, INC. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-02-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: U.S. BANCORP (WA)

We applied for a jumbo loan with a 10 % down payment through US bank. After providing all the required documents, we received a pre-approval letter and had our rate locked at 6.25 %. The bank also provided us with a loan estimates document. However, after 13 days, they informed us that they can not proceed with the loan because we do not have an approved XXXX, citing it as their policy. This change has occurred despite our compliance with all their requirements and providing accurate information. Due to the delay, the rates have increased significantly, making it challenging to secure another lender and potentially causing us to lose the home. We believe that as a mortgage lender, it is their responsibility to provide accurate and consistent information, and we are disappointed to be in this situation. 

The mortgage lenders are : XXXXXXXX XXXX XXXX XXXX Originator XXXX  # XXXX Office : XXXX XXXX Visit my website XXXX XXXX | XXXX  # : XXXX | U.S. Bank Home Mortgage District Lending Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian failed to send a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed in compliance with the FCRA ) in a timely & responsive manner & is in violation of federal regulations. 

Because Experian is in violation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must be removed from my credit file. 

Please send me an updated credit report with this information removed.
Consumer complaint received 2024-02-02
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX OF XXXX XXXX Balance : {$53000.00} XXXX XXXX XXXX Balance : {$9900.00}
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ProCollect, Inc. (TX)

I have requested complete documentation from both the original creditor ( XXXX XXXX XXXX  ), as well as each bureau for over XXXX years. I have requested information such as : when was the repossessed vehicle sold at auction? What was the remaining balance on the account after being sold? When will this account stop accruing interest, as it continues to accrue interest each month which significantly and negatively affects my credit score. When was this account originally opened and when did it go delinquent? What verification process was used to conduct an investigation? I have never received anything from either the bank nor the bureaus except for documents that just say account has been verified. I have been looking to get this information for several years. Since each entity that I requested this information from has failed to send me the requested documentation, it is my understanding that this account should have been removed for incorrect reporting long ago ( which I have requested for the last XXXX  years ).
Consumer complaint received 2024-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

In XXXX of 2024 I submitted a student loan consolidation application for my PSLF. During the consolidation process the loans were transferred from XXXX to Aidvantage. My consolidation application stated my loans return to XXXX after consolidation for PSLF purposes. XXXX XXXX  has not transferred the loans. Aidvantage has requested I make payment on the loans. The loans in question meet XXXX requirement of XXXX payment. Furthermore I received a letter from the XXXX  administration stating my loans are forgiven based on my PSLF status. Since XXXX of 2024 I have reached out to Aidvantage about my loans returning to XXXX. XXXX XXXX  has not transferred the loans or provided me with a reason for refusing to transfer the loans.
Consumer complaint received 2023-12-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Unified Global Solutions LLC (TX)

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) called regarding a debt my partner allegedly owed. I returned the message after several phone calls, and indicated to XXXX XXXX that this was not the correct telephone number. When I use the term partner, he assumed I was a XXXX, and used the most revolting aspersions one could ascribe to such an individual. 
He had absolutely no idea what my political affiliations were, as this is not something that I would disclose during a : business, professional, or even within the confines of a polite social settingbut this disaffected, criminally insane ( I am not in the business of criminal justice, or a mental healthcare provider, but I simply lack the necessary nomenclature to describe this sort of disgusting behavior in any other way ) person told me that, you XXXX  are going to start paying your bills when XXXX gets back in office. Again, I am not espousing any sort of political affiliation with this complaint, it is merely the way the message was delivered, and the threatening and abusive language that was used. 
He also falsely indicated that he was a process server, for the county, and, as such ; was going to arrive at my partners place of business or our home in order to service papers for some nebulous legal reason. He didnt indicate if it was mediation if it was a court summons. 
I contacted an attorney who said XXXX XXXX did not in fact work for the county, nor was there anything on the docket for mediation or court summons in neither my, or my partners name. 
I have saved the vituperative profanity, laced message on my phone, and it is chilling in the extreme. 
I am not afraid of a legal entity or an individual coming to my home to submit paperwork. I am now genuinely afraid for our personal safety. The reality is, at least this is what Im trying to tell myself, is that this organization hires people from the lowest rungs of society to employ XXXX  like tactics ; and I was simply receiving calls from some clerk operating out of a dingy cubicle. That is, at least, my hope. I really do not know. 
XXXX XXXX phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AppFolio, Inc. (ND)

I reported Identity fraud with my local Police department last XXXX. I have supporting documents that prove my claim. I also filed a report with the FTC. I have documents that support my claim. App Folio was contacted by myself in XXXX of last year XXXX and XXXX of this year XXXX and asked by me to stop any and all sharing of the inaccurate information contained in my file. I was a victim of Identity fraud. To date this has not been done as I requested. They continue to provide this inaccurate, derogatory information to several companies. I am unable to obtain reasonable housing because of this. An apartment application costs me {$40.00}. I pay the {$40.00} only to find this information that is inaccurate and false presented to property management companies even though I specifically requested that the information not be shared until the inaccuracies are taken off my file and investigated. They continue to ignore my requests even as it costs me time, money, and a smear on my reputation and business. It is unacceptable and I request once again that they cease to report my file to anyone else. Me being a victim of identity fraud is not something that I should be punished for time and time again. This has been going on for more than a year now and high time it stops immediately.
Consumer complaint received 2023-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION (SD)

I noticed the automatic payments setup have been posting at times later than the day the payment has been submitted even though my checking account has it posting days prior. The bank is charging additional interest and not posting payment the day it was received. When I questioned them about it they did nothing and said I do not understand the banking system and need to talk to my bank that has my XXXX XXXX posting withdrawal early. There response was not correct and they are charging additional interest after a payment is received on the loan.
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (NC)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. 
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Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I sent a letter t Experian about a current collection I have on my report about it being a result of identity theft. The amount is from XXXX XXXX a debt collection agency who is reporting I owe a balance to XXXX ( original Creditor ). XXXX XXXX XXXX has an email address tied to the account that is not associated with me at all. I believe this account results from mistaken identity within their system. XXXX the original creditor sent me a letter saying I DO NOT owe a balance, i in fact owe a {$0.00} balance. I filed an Identity theft report with the FTC, Experian refused to back the account and verified the account as accurate although I sent them the letter I received from the original creditor. I would like this account blocked. I believe Experian has violated my consumer rights by not completing a thorough investigation of this account. or reaching out to the original creditor for further knowledge of this account. Experian has also blocked my calls from reaching a human representative, the AI just keeps telling me I can not peak to a human no matter the option I choose, so I can ask for an update or even further clarification. I send emails a no one responds. as of today I can not dispute the account online or within the mobile app because it doesn't show this account as an option but it remains on my credit report.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.