davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
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. (CA)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2024-05-03
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. (MI)

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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 SECTION 602 A. states i have the right to privacy.

15 U.S.C. 1681 SENTION 604 A SECTION 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
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. (VA)

My Experian credit reports have loans listed for XXXX XXXX XXXX which are duplicates of all loans that were previously transferred to XXXX. I have made multiple attempts to get this corrected. Most recently I submitted a copy of the document from XXXX which shows ZERO amounts outstanding on the loans. However, Experian continues to reflect amounts totaling {$57000.00} due to XXXX.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that the account is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. I'm looking forward for the immediate deletion of this account. 
XXXX XXXX XXXX
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

Experian has numerous addresses, phone numbers, and versions of my name on my report that are inaccurate, outdated, or that do not belong to me. 

Reporting this information puts me at risk for fraud. I have information on the Black Web and have inquiries made by individuals who have accessed my information and apply for credit in my name at addresses where I do not live. 

Since XX/XX/2018, I have asked every month by letter that the information be removed and that ONLY my legal name, current address, current employer, and NO phone number be listed. 

Experian is violating my consumer rights to have accurate information reported. 

They are not reporting 100 % accurate information as required by Section 609.
Consumer complaint received 2024-06-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc. (SC)

My daughter had a XXXX in XXXX and she was out for XXXX months and she wasn't able to take herself or my XXXX grandkids. I requested a modification which was approved and I have to pay half of the cost. I had to pay my half on XX/XX/XXXX, but on XX/XX/XXXX my accounts was hacked the account that the money was supposed to come out of XXXX of the accounts but the account was locked. I immediate called each company that I had accounts with and explain what happened on XX/XX/2024. Each company was willing to help me until the case was done, expected Essex Mortgage Company. The company put my house in foreclosure and the company put on my credit that I was XXXX months behind along with another late payment for XXXX months. This has stopped me from selling my property and getting another house.
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

In  XXXX  my student loan provider went from  XXXX   XXXX  to  XXXX . I was on auto pay with  XXXX   XXXX .  One day I re ceived a letter in the mail stating that  XXXX   XXXX  account was Closed and the new lender was   XXXX   therefore they were not going to charge me anymore and that i should wait Further instructions from  XXXX . First communication with  XXXX  happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since  XXXX   XXXX . Not a problem I said, lets pay. The representative at  XXXX  walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from  XXXX   XXXX  to  XXXX  was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus . Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the  XXXX    XXXX    accounts. I wrote them a good will letter to remove the incorrect information and they de clined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from  XXXX   XXXX . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on  XXXX  's part. I still pay my loan to this day and i have never missed a payment.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$990.00}
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mid-Atlantic Finance Co., Inc. (OH)

I was told I needed to pull my credit report from all XXXX bureaus because I pay a credit defense company. I noticed a lot of discrepancies on my credit file. Wrong addresses closed debt I paid in full also ex-husbands debt included in a bankruptcy. These reports I never authorized. I am not aware of all these inquiries that were made without my consent. These items are old debts. Also reporting incorrect balance XXXX XXXX after agreement of monthly balance repayment. Mid Atlantic, XXXX XXXX, XXXX XXXX auto is always currrent in my payments. XXXX, XXXX XXXX, XXXX XXXX and so on are companies I have never used or inquired about.
Consumer complaint received 2018-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (SC)

I was contacted by XXXX XXXX. They stated my student loans in default and at risk for wage garnishments but that I qualified for student loan forgiveness. That the payments would be minimal for 3 years and everything past that would be forgiven. I set up the arrangement and began paying each month. My student loans showed as current on my credit report and the consolidation was successfully showing as current. I was notified 5 days ago that my credit score dropped 55 pts. I looked and saw that my student fed loans were in default but the consolidation loan was current. I called the student fed loan and they explained that they do not use any type of third party company on their behalf and I was being scammed. Also that an email was on the account that I did not have access to, paperless billing was set up and going to an online account that I did not set up. This company has taken money from me for 2 years. They pretended to be me and filed for forbearance so that my loans appeared current and now I have an outstanding loan with over {$500.00} left to pay appearing on my report from a company I have never done business with ( Equitable acceptance ).
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. (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 XXXXXXXX Account Number:XXXX has violated my rights. Or a 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 2023-07-05
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. (TX)

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 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 2024-06-07
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. (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 XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : DOE XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or around XX/XX/XXXX I found out Bank of America closed my credit card account due to a Bankruptcy filing. Upon investigating this, I found out that someone named " XXXX XXXX XXXX '' that lives in Texas and shares the same last four numbers of my SSN filed for bankruptcy and Bank of America confused me with him and closed my account. After Bank of America investigated on their own, they confirmed that it was not me that filed for bankruptcy and reinstated my account. Before reinstating my account they pulled my credit score with the promise that they would remove it from the credit bureaus as this was not my mistake ( it was never removed, see attachment ). 

After my account was reopened I noticed that I could not log in to my online account with Bank of America. Due to life circumstances, I was unable to call them to try and get this fixed until I called on XX/XX/XXXX. I eventually ended up getting transferred to XXXX at ( XXXX ), he advised me that he would look into this and would call me back.On XX/XX/XXXX I get a call from XXXX and he advises that since the account has been inactive, that I should make a purchase and then try logging in again as the purchase might be able to re-enable my online account. I made a purchase the same day and called him back to let him know that I was still unable to access my account and he then advised me to wait until the charge was posted and try again. Then on XX/XX/XXXX I get a call from him to let me know that my account was now closed due to inactivity and that he was unable to help me out any further. 

On XX/XX/XXXX I received notifications from credit monitoring that Bank of America reported my account closed due to Bankruptcy again and my credit score dropped 93 points from XXXX to XXXX due to this. I called XXXX back and ended up getting a call from his co-worker due to XXXX being off and they gave me the number for the Bankruptcy Unit and transferred me over. I spoke to the Bankruptcy Unit same day ( XX/XX/XXXX ) and they advised me that they would have to investigate this again, but that I would not get a call back from them and that I should follow up in a few days. I also advised them that I have a letter from the other person 's lawyer that I got last year stating that the bankruptcy does not belong to me and they asked me to fax it ( see attachment ).
Consumer complaint received 2017-12-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I refinanced my mortgage with XXXX XXXX XXXX. XXXX 2016.. I was provided an estimate of monthly pay of {$1200.00} at the final closing I was provided that my new monthly payment would be {$1000.00}, for a year I have paid {$1000.00} and paid it on time. XXXX XXXX I received an escrow analysis stating that I had a shortage of {$3200.00}. Also stating that if I do not pay it by XXXX XXXX my monthly payment would go up to {$1500.00}. The actual payment should have been provided to me at closing of {$1300.00} It was discovered that the mortgage company quoted me incorrect figures and neglected to include my taxes of which I was not aware. I agreed to refinance based on fraudulent in accurate information. If the correct figures had been presented it would have shown that I would have only be saving {$28.00} a month versus what appeared t be around {$300.00} a month savings. it would not have been in my best interest to do so at that time. I have contacted the mortgage co by phone, and also had my attorney contact them by letter. The company has not responded as of this date and the action they have taken is to put my XXXX XXXX payment into unapplied funds account. The company is insisting that I pay for the error that they made ( The shortage ), and threatening to apply late fees to my account and report it as delinquent to to credit bureaus where permitted under law.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with XXXX XXXX XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (NY)

I did not schedule or verify payments to chase credit cards. My checking account is linked to the cards. They reported my credit cards as delinquent to the credit company 's and removed money from my debit card with my authorization or notice.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX account balance is incorrect on all my credit reports and XXXX XXXX XXXX XXXX credit card balance is incorrect on all my credit reports balances are lower and are appearing as higher balances than they are please correct these immediately