davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

Upon reviewing my Experian credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-05-07
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 am submitting this complaint regarding late payments on my credit record. After reviewing my credit report, I discovered these late payments. Despite sending letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-08-05
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)

I am writing to express my deep frustration and dissatisfaction with the handling of my credit report disputes by the major credit bureaus : XXXX, XXXX, and Experian. Despite multiple attempts to resolve inaccuracies on my credit reports, I have encountered significant obstacles and inadequate responses from each of these bureaus, which has left me feeling utterly exasperated. 

XXXX : Non-Responsive Behavior XXXX has failed to respond to my disputes altogether. I have submitted multiple dispute letters, providing detailed explanations and supporting evidence to demonstrate the inaccuracies in my report. Despite my efforts, XXXX has not acknowledged or addressed my concerns. This complete lack of response is not only unprofessional but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX : Bogus Stall Letters XXXX has been sending me generic stall letters that do not address the specific issues I have raised. These stall letters claim that my disputes require additional time for investigation, yet they provide no substantive information or progress updates. It is evident that XXXX is attempting to delay the resolution of my disputes without conducting a proper investigation, which is unacceptable and in direct violation of the FCRA. 

Experian : Disputing the Legitimacy of My Disputes Experian has sent me emails questioning the legitimacy of my disputes, suggesting that they do not believe the disputes were initiated by me. This is particularly frustrating, as I have provided all necessary documentation and identification to verify my identity. Experian 's refusal to acknowledge and investigate my disputes is a clear violation of my consumer rights and further exacerbates my distress. 

Impact on My Financial Well-being The lack of responsiveness and inadequate handling of my disputes by XXXX, XXXX, and Experian has had a significant negative impact on my financial well-being. The inaccuracies on my credit reports have led to unfair denials of credit, higher interest rates, and damage to my credit score. I am now at a point where I feel helpless and overwhelmed by the actions of these credit bureaus. 







Request for CFPB Intervention I urgently request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to hold XXXX, XXXX, and Experian accountable for their non-compliance with the FCRA. I am seeking immediate and thorough investigations into my disputes, as well as appropriate penalties for the credit bureaus ' failure to fulfill their legal obligations. 

I am deeply frustrated by the current situation and implore the CFPB to take swift action to ensure that my disputes are addressed fairly and promptly. I believe that the CFPB 's involvement is crucial to rectifying these issues and protecting my rights as a consumer.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my repeated efforts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. These items have had a profound impact on my life, leading to significant stress and XXXX. I want to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2024-05-07
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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

In XXXX of XXXX, my XXXX loans were transferred from XXXX to XXXX XXXX. The change was never notated on my Experian report. I filed a first dispute with Experian on XX/XX/XXXX. No change was reported and it still shows that I have the account with XXXX open. Since the report shows accounts with XXXX and XXXX being open with a balance, it also shows twice the amount of debt than what I actually have. On XX/XX/XXXX, I called XXXX on their customer service line and they were unhelpful. They said that there is nothing that can be done on XXXX end and they advised me to file a dispute with Experian. I filed a second dispute with Experian on XX/XX/XXXX and no change was made to my report.
Consumer complaint received 2023-11-15
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. (NJ)

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 2024-05-07
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-08-05
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 am filing a complaint against Experian for failing to address multiple unauthorized and inaccurate entries on my credit report. Despite XXXX 's thorough investigation and removal of these items, Experian has continued to report the following unauthorized accounts and an inaccurate late payment : 1. **Unauthorized Accounts** : - XXXX XXXX, Account number : XXXX - XXXX XXXX XXXXXXXX XXXX Account number : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX. **Inaccurate Late Payment** : - XXXX XXXX XXXX, Account number : XXXX I have previously sent dispute letters to Experian, yet my disputes were marked as " verified '' without a proper investigation or notification of the verification method. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i ( a ), which mandates that credit reporting agencies conduct a reasonable investigation of disputes. Furthermore, Experian has failed to provide the method of verification as required by FCRA - 15 U.S.C. 1681i ( a ) ( 7 ). 

Experian 's negligence also breaches the requirements under FCRA - 15 U.S.C. 1681e ( b ), which obligates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, the continued reporting of inaccurate information from XXXX XXXX XXXX violates the Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ), which mandates accurate billing and correction of errors. 

Despite providing substantial evidence and XXXX removing the disputed items, Experian continues to report these inaccuracies, causing significant damage to my creditworthiness and financial standing. This negligence has resulted in emotional distress and potential financial losses due to higher interest rates and denial of credit.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Experian has not been reporting my credit file for 2+months. I have asked for a refund of my membership from Experian because they have reported a blank file on my credit reporting so they said they were going to refund me {$59.00} but they only refunded me only {$29.00} this has caused me a lot of XXXX and it has been very XXXX calling them asking them to correct my credit file and refunding me the other portion of my refund it's been more than 2 months they have violated my rights.
Consumer complaint received 2024-05-07
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. (VA)

Notice of Violation of FCRA 15 U.S. Code 1681s2 I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences. 
However, to my dismay, these disputes have not been duly noted as required by law. 
Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.
Consumer complaint received 2024-05-07
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. (FL)

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 Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I never went to court for XXXX XXXX they tried to put a eviction on me but I never signed a lease with them I moved before they brought the property and they tried to take me to court but couldnt so they dismissed there case and now its showing up on my credit and its causing me and my children to be homeless due to this XXXX XXXX claimed they took this off my credit report but its still showing up and I want to depute this off my records
Consumer complaint received 2024-05-07
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. (MI)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

My mortgage loan serviced by NewRez, dba Shellpoint, was on auto pay in XXXXXXXX XXXX XXXX. In XXXX XXXX XXXX NewRez cancelled my autopay claiming a returned payment as NSF. The linked bank account had a substantially sufficient balance and NewRez reported this payment as late to the credit bureaus despite me making a timely payment.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC (NV)

I have been locked out of my account since mid XXXX. I tried to transfer my credit card rewards to my bank account but for some reason it looks like it added money to the credit card instead. This resulted in Gemini  freezing my account. Since XX/XX/year> I have tried to open two disputes to recover the account. They have asked me to verify who I am which I have sent them Information that they have needed and both disputes have told me they are working on it. I cant get in to pay my bill and my credit score is suffering. I want to pay the bill and close the credit card but Im stuck on how to do this. Gemini do not have a phone line only email and its been very frustrating.
Consumer complaint received 2024-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (LA)

This is likely my final complaint regarding this topic. Comentity / Zales is continuing to charge me late fees and interest, and falsely reporting me to the credit bureaus over a disputed account. They now have me at {$830.00}. 

Just to recap my previous complaints : ** Between XXXX of XXXX and around XXXX of XXXX, my bill has been getting mailed to the wrong address ( they had finally fixed the issue on their end, and waived **those** late fees ) ** Around XXXX, I've paid one of my bills via mailing my check ( which never arrived nor got cashed at their destination ) ( which I unfairly got charged more late fees, and both Comenity and Zales refused to budge on ) ** Between XXXX and XXXX of XXXX, my bill were consistently being mailed late, or barely arriving at my house right before the due date ** I made all my remaining payments over the phone, which took on average of 4 days to process from my call time to being drafted from my account ** After complaint to both Zales 's and Comenity 's customer service multiple times about their unfair late fees, they pointed to the late fees that they have already forgiven for the period between XXXX and XXXX, and reluctantly took an additional one off. 

** I have filed additional complaints with multiple state and federal agencies, as well as Zales 's and Comenity 's customer service, and they both refused to budge. 

** My principle balance was paid in XXXX by XXXX of XXXX. The only thing left was whatever bogus late fees that I was disputing ** When XXXX of XXXX rolled around, Comentity started harassing me with their collection people, accusing me of owing them over {$500.00}. ( I told them to stop calling me, and they only stopped after I filed an FTC complaint ) ** Comenity has ever since been pilling on additional late fees and interest, refusing to honor their deferred interest ( either out of retaliation for my complaints, a quick way to make a buck, or both ) ** Comenity and Zales are now ruining my credit, even after I have disputed my account they are still reporting me as late
Consumer complaint received 2024-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

Misconduct application discharge denial - I attended the XXXX XXXX XXXX XXXX XXXX, a branch of the XXXX XXXX  ( a for-profit school who has recently faced group discharge based on misconduct, also, has been judged against in final judgment for fraud ). I applied for a misconduct discharge of private loans that are XXXX XXXX XXXX, and have tripled in size ( I paid off almost the original principle, and now the remaining balance is double what the initial principle was ). 

Navient deemed my loans eligible for misconduct discharge consideration upon receipt of my prior CFPB complaint. 

I spent approximately 30 hours ensuring I filed all information for the application to the best of my ability, and provided around XXXX pages of evidence which included : My Borrower Defense to Repayment Group Discharge Approval, A notification from the government about the group discharge for XXXX XXXX, A XXXX lawsuit outlining all of the misconduct ( much of which I experienced and had proof of ), A copy of the XXXX final judgment, Job placement rates that are proven to be falsified used as a recruitment method provided the year XXXX XXXX XXXX XXXX, A list of the admissions employees where XXXX individuals shared the same fraudulent title " assistant director of Admissions '' The reason Navient provided on my denial notice is the following : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

All of my misconduct claims are represented by proven behavior by my school, so it feels as if this application was designed to knock out applicants. 

I have requested additional information from Navient regarding reason for my application denial, and what would be needed for reconsideration. I have not received any reply from Navient at the time of writing this complaint.
Consumer complaint received 2024-06-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (MD)

Made several attempt to the company dba Shellpoint mortgage to have business as NewRez caliber home loan etc. when this account was created it was with first home mortgage, then went to caliber home caliber home mortgage now Shellpoint. I am in a dispute with and requested documents. In there correspondence the told Me my request is to broad and that they dont have to provide me anything outside normal scale. They also told me I am not privy to private information about the alleged loan, between them And their contracts. And that I can go look on Public records for anything that I may need.

I have already done this and no real information was provided. My suspicion is of fraud, misrepresentation of me and embezzlement, dishonor in connection with this account. They claim to have title to a loan. And are the servicing provider. None of it is legitimate. I have rescinded my signature on this account, no one has provide me any real information and provide proof a payment was given nor can they produce the original signed promissory or any wet ink documents with my autograph on them.