davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
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. (GA)

XXXX XXXX  has used my identity to establish an account with out my authorization, this account is fraudulent, i did not open this account and i want it removed from my credit report, my information has been leaked on thr dark web and it has been used to open numerous accounts in my name, i have reported this to thr XXXX department, if this account is not removed immediately i wll send XXXX letter of intent to sue, please delete and block this account ftom credit report is it fraud XXXX for XXXX is a fraudulent account i do not recognize this account, this account was ipen with out my knowledge i want this account removed from my credit report as it is a fraudulent account, XXXX  open this account in my name and committed fraud Im also a veteran  of the XXXX XXXX my information is being used illegally to open accounts in my name, I feel Im being taking advantage of, all my information has been leaked on the dark web I ask that these accounts be removed immediately from my credit reports
Consumer complaint received 2019-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (PA)

I am the co-signer of a Sallie Mae variable-rate loan. The loan rate is based on the monthly Libor rate. 

The Libor rate has gone down. Sallie Mae has not lowered my rate which is currently 4.25 %. On Sallie Mae 's website they are offering the same type of loan, with autopay enrollment ( which I am enrolled in ) for 3.98 %. 

I called Sallie Mae and was told the loan rate is based on when it was taken out. This does not seem correct since the loan rate is based on the monthly Libor rate which can go up or down monthly. 

I expected loan interest rate fluctuation when I signed for this loan. I expected it to go up and down- not just up. 

Sallie Mae is guilty of False Advertising to Students- casusing additional student debt.
Consumer complaint received 2024-06-08
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. (IN)

In accordance with the Fair Credit Reporting act, Account : XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1692b acquisition of location information by debt collectors.
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc (LA)

The National Service Bureau made initial contact at XXXX XXXX on a Friday afternoon, a time that made it impossible to satisfy their demand to pay the debt immediately. This is in violation of the Fair Debt Collection Practices Act.

Manager, XXXX XXXX threatened that if I did not pay a deposit of at least {$50.00} TODAY, that she would file a petition for suspension of my driver 's license and registration. Under protest, I began to give my credit card information - but relented when she said that she would also require a verbal promissory note. She stated, " We've had this on file for 30 days, '' and that this is a " courtesy call '' although eventually she stated that " we don't even have to call you. '' When asked to provide any written documentation at all, she refused saying " we don't send emails '' and that " you'll see on Monday when your license is suspended. '' I never received a debt collection validation notice, and XXXX XXXX refused my request to send one before I gave her my credit card information. This is also a direct violation of the Fair Debt Collection Practices Act.

Overall, the call was threatening, bully tactics were utilized and I was given no reasonable amount of time to either dispute the debt or validate this debt collector 's legitimacy.

The violations to the Fair Debt Collection Practices Act are clear. 

I have been financially cooperative in this matter, in good faith, more than what I was required to do. This should demonstrate my intentions. Had I been rightfully and legally notified I would continue to respond responsibly.
Consumer complaint received 2024-05-18
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. (GA)

Upon reviewing my credit report, I found discrepancies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the law, it is mandatory for the three credit bureaus to verify these accounts. Failure to validate these reported accounts within the stipulated legal timeframe constitutes impermissible reporting of unverified information. The following erroneous details in my credit report require thorough investigation and correction : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX : {$7300.00} XXXX XXXX {$13000.00} XXXX XXXXXXXX : {$1200.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX Balance {$5900.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX  XXXX
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SANTANDER HOLDINGS USA, INC. (MA)

Good afternoon, Back in XX/XX/XXXX I fell for a scam which resulted in a fake check being deposited into my account. My checking account ending in XXXX was promptly closed and I was flagged for fraudulent activity. I should have reported back then that I feel I was not given a fair investigation since the check wasnt even signed by me and was clearly edited but Im assuming its too late. Because the check bounced I then owed Santander {$1400.00}, which I have been unable to pay back until now. Twice have I overnighted a check to their case management department at XXXX XXXX XXXX XXXX RI and the first time I had to put a stop payment after 2 weeks because the check hadnt been deposited nor would any Santander agent confirm it had at least been received despite the fact my tracking number confirmed delivery. I keep calling their fraud department and the agents keep escalating the case and claim it takes a max of 3 business days to get a response, that was done at least 5 times and not once was I given an answer. 


With the fraudulent activity on myXX/XX/XXXX consumer report I am unable to open other accounts without this mark being removed. I am actively trying to pay Santander their money back and its as if they dont want to take it.
Consumer complaint received 2018-03-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (CA)

XX/XX/2018 paid {$780.00} and XX/XX/2018 contact Mercedes Benz Financial Service ( MBFS ) via telephone to check status of receiving credit for payments not list on MBFS summary list of payments already applied In XX/XX/2018 sent a written inquiry to Mercedes Benz Financial Service with a copy of paid receipts with transaction number regarding proper credit for XX/XX/2018 and XX/XX/XXXX inquiring whether payments were credit.
Consumer complaint received 2024-05-17
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: Experian Information Solutions Inc. (FL)

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 XXXX party. They in fact did not come from a XXXX 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 2024-05-17
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2024-05-18
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)

Trademark Infringement It has come to my attention that XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX and XXXX are attempting to make an unauthorized use ( s ) and also trespassing on my private intellectual property being the Trademark : XXXX XXXX Under federal registration laws. I am the owner of the trademark XXXX XXXX, Currently with the United States patent and Trademark Office under the following registration number XXXX. Therefore, I have the right, including but not limited to restrict, prevent or limit the use of our trademark in order to protect it against any misrepresentation. 
I hereby demand that all entities mentioned above immediately cease and desist in any additional use of my trademark. If you fail to comply with the aforementioned demands ( s ) within XXXX hours, I will have no choice but to pursue all legal causes of action
Consumer complaint received 2024-05-18
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. (NC)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$130.00} XXXX XXXX Balance Owed : {$3600.00} - previously late/open XXXX XXXX XXXXXXXX Balance : {$790.00} - tied up XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date XXXX : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed XXXX {$540.00} XXXX XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2024-05-17
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. (KY)

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. the account number is : XXXX, please remove these accounts from my report, they are hurting my ability to get credit.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-17
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)

There is a fraudulent account reported on my credit file. 

Account Name : XXXX XXXX  Account Number : XXXX Account open date : Someone has opened an fraudulent account on my name using my Identity for this account for which I am not responsible. 

Please remove this account from my credit file. 

I challange the company to provide me the proof for opening of this account by me.
Consumer complaint received 2024-05-17
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-18
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. (AZ)

I am submitting this complaint to address the presence of fraudulent items on my credit report. Upon reviewing my updated report, I noticed that some of these items have been removed, for which I thank you. However, some fraudulent items still remain. I kindly request that the three credit bureaus remove the following fraudulent items from my credit report : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

Starting XX/XX/XXXX Toyota Financial has been reporting that I am delinquent on my car loan. When I call Toyota they say they will send a letter to the credit agencies showing I am not delinquent. Each time I call they confirm I am not delinquent and they dont know how that happened. As of XX/XX/XXXX it is still reporting that I am delinquent and Toyota says it is no longer their responsibility because they sent a letter
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX XXXXXXXX - 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 me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

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 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 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Synovus Bank (NC)

Worlds foremost bank aka XXXX XXXX shows up in a loan application Along with XXXX XXXX # XXXX XXXX  XXXX # XXXX I need to know info On accounts They app was with ex husband XXXX XXXX And one XXXX  XXXX on my credit reports # XXXX
Consumer complaint received 2024-06-08
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 : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX Account name CHILD SUPP # XXXX Account name XXXX XXXX XXXX Account name CHILD SUPP # XXXX Account name XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX has violated my rights. To privacy and confidentiality and Accurate Reporting under 15 U.S.C. 1681 15 U.S.C. 1681 Section 602 A. States I have a 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 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 2024-05-17
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. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXXXXXX, Experian, and XXXX.