davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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 — Problem with personal statement of dispute
Company: Eastern Revenue, Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. The creditor is named EASTERN REVENUE INC. 


15 U.S.C 1681 602 A. States I have right to privacy.

15 U.S.C 1681 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my permission. 

I have contacted this EASTERN REVENUE INC to request they remove this from my credit report since 2021. They have not complied. They harass me everyday before XXXX and after XXXX. I want to sue. This account is not accurate and immediately must be removed please.
Consumer complaint received 2023-12-22
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (NC)

I'm unaware of this debt. I did not have an opportunity to dispute this information prior to being reported. By law you are required to provide me with a notification within 5 days. If in fact you believe that you gave me proper notification, then please send me the certified receipt with my signature on it for verification.
Consumer complaint received 2023-12-22
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. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-12-22
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. (PA)

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 2023-12-22
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. (IA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2024-06-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (HI)

I purchased a home on XXXX XX/XX/XXXX as a VA loan and paid an VA funding fee. On XXXX XX/XX/XXXX I was issued a VA XXXX rating of 40 %, which is retroactive to XXXX XX/XX/XXXX. 

Those receiving VA compensation for a XXXX are not required to pay a funding fee. In this case where the rating is retroactive to before the closing date, the VA funding fee is refundable. 

The VA has advised that they require the mortgage company, Freedom Mortgage, to initiate the refund request. Freedom Mortgage refuses to do so. 


Freedom Mortgage XXXX XXXX XXXX, XXXX XXXX, FL XXXX United States | Lender NMLS ID : XXXX XXXX
Consumer complaint received 2023-12-22
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OK)

Filed previous complaint # XXXX, wells Fargo denied complaint because of previous court litigation regarding " robo signing illegalities. ". 

Wells Fargo did not acknowledge nor address their " robo signing illegalities, '' with regards to the foreclosure documents that I received that were not signed nor notarized. 

The court didn't address robo signing illegalities either. 

Their was a national settlement foreclosure agreement that includes wells Fargo. That agreement specifically states '' settlement does not release private claims by individual.
Consumer complaint received 2024-06-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

I have contacted Navients about my private loans to get the XXXX XXXX XXXX XXXX and was denied due to my private students loans being refinanced. Here is the received response. 

Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a XXXX will work with you to assist you further on this matter. 

My loan was at 13 % before refinancing and getting pushed to refinanced prior to a lower % rate. This should NOT disqualify for XXXX XXXX, especially when they do not let this knowledge known to their customers. I have gone through PPSL.org to gather this information. 

Please stop marking these complaints as duplicates especially when nothing is being done about the issues I am requesting. So far every request I have submitted has been shut up and sit down.
Consumer complaint received 2023-12-22
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. (TN)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report 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 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 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  is showing on my transunion my account is 30 days late when the money is auto deducted from the account the bank stated the company never attempted to take the money of the account I then made a double payment for their error and the money had been auto deducted from the same account since then and have received every payment with no problem and I need this late status removed from my account I made double payment and account is current XXXX a representative at the company has written a statement in my behalf to have this corrected on my account I have bank statements for documentation and also reporting 30-60days on my XXXX  account
Consumer complaint received 2024-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in XXXX XXXX Parts XXXX, XXXX, and XXXX. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (FL)

I need a credit card Over the past month, after I logged in to my bank account there was a link with an offer that I was pre-approved for a credit card. 
I keep getting the error Looks like this in not working now see attached Chase one video. 
I called Chase support over a month ago they told me it was a known error and that they were working on it check back in a few days well its been over a month still not working. 
Bigger issue Chase Bank is in violation of the Bait and switch Section 5 ( a ) ( 1 ) of the FTC law. 
See the attached video New Chase '' I go to XXXX up Chase credit card offers. 
Your Marketing Department is running a paid ad. 
Chase Bank is knowing are running an offer for a credit card. 
I click on the paid adtaken to a landing page that shows a {$900.00} bonus offer. 
Click on learn more then offers me {$750.00}. 
Thus, Bait and switch. 
I called to complain and was told that the {$900.00} offer expired in early XXXX. 
Here is the problem offered for {$900.00} had NO disclaimers on the landing page. 
All is says is the {$900.00} offer and then switch you to the {$750.00} I called Chase to explain that to the rep and they refused to honor the offer. 
I even offered to apply and once I met the qualified spend they just credit me the {$150.00} or point value. 
They still refused. 
Link to videos that show proof of fraud XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed the accounts on my credit profile due to inaccuracies which is my full real legal name which is XXXX XXXX XXXX XXXX I am also a victim of several data breaches in which my information has been exposed Online so there are inquires, fraudulent accounts, checking accounts, credit cards, on my credit report.I have told the credit bureaus about this if there are any accounts on my report that use any other name than my real full legal name then it need to be deleted immediately or legal action will be taken my whole world has been turned upside down cause of my credit being exposed and fraudulent used that I have lost ever thing I am now homeless due to not being able to obtain business credit for my business to be able to stay competitive due to all this please help I am a law abiden citizen who has no power or resources to fight these criminals who has taken advantage of all of us.
Consumer complaint received 2023-12-22
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. (NJ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: World Omni Financial Corp. (FL)

On XX/XX/XXXX I went to Sun Toyota to see about trading my car in. I was informed that there was a vehicle shortage and all they had coming in was the XXXX XXXX. I was looking at a used XXXX XXXX also, but was informed that they would have to pull my credit more than the 4 times I agreed upon ( initial, XXXX XXXX, Southeast Toyota, and XXXX XXXXXXXX, I had a pre approval for them already ). I decided on the XXXX since I did not want my credit ran too many times as I explained I wanted to buy a house this year. Well so much for that because they ran my credit 22 times and the reason I was told is that they made a mistake in the initial paperwork and they had to fix it and reapply for credit. When I went in to sign on the XXXX, I was told that they had to remove the GAP, service warranty, etc because the bank would not finance the loan for that amount. I honestly didnt want the car anymore and told them since they had ran my credit so many times I might as well get what I really want. About a week or so ago I was on the Southeast Toyota site and came across the contract. I opened it and immediately noticed the date signed was the XXXX and the signature was not mine. I then pulled out my copy from the XXXX and noticed the amount is the same, but the numbers are changed in some spots. Now Im questioning the whole thing. I spoke to the general manager and he agrees the signature does not match, but stated the bottom line is still the same so he dont know what I want to do. He did offer to write letters to fix my credit, but that is only after I brought this grad issue to his attention. Initially I was given a card to call some credit repair agency to fix my credit myself. The initial loan on the XXXX was for the same price with warranty and when I went to sign on the XXXX they told me the only change was that I could not get the warranty. The sale rep had already told me the price of the car was going to be less. Being that they never gave me the first contract I did not have anything to reference the price to and took their word for it. 

I notified the finance company of this as well and they directed me back to the dealership. It was at they point I stopped making payments and contacted XXXX since they regulate the dealership. The last response I got was that they offered to buy the car back and theyd reach out. I never heard from the dealership after I spoke with XXXX XXXX.
Consumer complaint received 2023-11-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc. (KY)

I have enrolled with Aidvantage for auto-pay of my student loans. Both XXXX and XXXX, my automatic payments were withdrawn and applied properly to my loans. However, Aidvantage continues to claim that my account is delinquent. Basically, they took my money and then said I never paid. All of this despite my history of payments being very clear on their website. 

I have contacted them many times over the past month about this with no resolution, despite their admitting my payments were made and there was an error on their end. They still show my account as being delinquent.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you please review the documents? Several of the listed accounts are inaccurately reported. I should be compensated {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-01-20
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: CAINE & WEINER COMPANY, INC. (GA)

I have been trying to purchase a home and when I pulled my credit report I have noticed there were still Collections on my report that should have been gone. I have sent in numerous disputes and also contacted them dated XX/XX/year>. These companies are reporting inaccurate information on my credit report. I have requested that they provide the factual information that I can verify to confirm the account belongs to me and show full ownership to these accounts and I have not yet received it.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, 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)

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 : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MI)

I ordered a pair of XXXX XXXX XXXX XXXX XXXX from XXXX back in XXXX for {$240.00}. They were marked as delivered and signed for but I wasn't home and never received them. Weeks later, they finally arrive but I received the wrong sizes. I ordered a size XXXX and received XXXX size XXXX and XXXX size XXXX. I reached out to XXXX and kept getting told I would be sent a return label. I have still not gotten XXXX and it's been XXXX weeks. I disputed the transaction with Discover with documentation showing how I was right but my dispute was denied and I was recharged {$240.00}.