davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Im filing a dispute on incorrect information regarding late payments on my Bank of America credit card on the dates XX/XX/23 and XX/XX/23, they have agreed to note the account that it was incorrect on their end, Ive spoken to several Bank of America employee that work at the bank and even contacted the Bank of America customer service credit department and they also had explain to me that they will notify the credit bureau about the change This has affected my credit score by almost XXXX points on inaccurate information, please it has been XXXX months and still no change.
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. (GA)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am entitled to receive {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MD)

I was notified via email about a student loan that had been assigned to me. To find out more about the details, I registered for an account. However, I discovered that the loan was associated with a school that I have never attended. On XX/XX/2023, I took the initiative to write a letter to the company and also sent a copy to all three credit bureaus, addressing this discrepancy. 

It is extremely alarming that despite my never having attended the school mentioned in the loan, the information was deemed " verified '' and considered accurate. How is it possible for a school I never enrolled in to demand payments from me and report the debt on my credit report?
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2023-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (SC)

I contacted the company and let them Im the registered owner of the certificated security and the amounts due is owed to me and that I dont allow them to collect anything on my behalf and they need to send the information back to XXXX XXXX .
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. (NY)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Consumer complaint received 2024-06-27
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)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
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. (AZ)

Accounts to be blocked per FTC FCRA within XXXX hours of this submission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, supplemental police report, FTC ID THEFT REPORT, ID FTC AFFIDAVIT and validation attached thanks!
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

I have worked for the State of Wisconsin for more than 6.5 years and I have been properly enrolled in PSLF for that entire time, updating my income and certifying my employment annually. I recertified my employer every year even though my agency has not changed. I was already enrolled in an IDR plan for that entire time, as well. 

Mohela removed me from the IDR plan I had been in. Somehow my application was submitted for an incorrect IDR plan, all I wanted was the same. It went through the US Dept of Ed only to be denied by Mohela in XXXX. Mohela then put me into a level payment plan rather than defaulting to my previous plan. The level payment plan makes me ineligible for PSLF! I immediately submitted a second application through the Dept of Ed for the correct IDF plan ( I certainly hope ) and Mohela has been sitting on that application since XXXX. Nothing has been updated. I have received no bill. Everything still shows I am ineligible for PSLF now because I am in the wrong plan. I called Mohela on XX/XX/23 and they put me in administrative forbearance but are charging me 6.8 % interest while they catch up on doing their job and I have no assurance XXXX will count towards my remaining payments. 

If my original application had been processed timely, or if my loans had defaulted to the previous, correct payment plan, everything would be fine. But none of that has happened. On the website it still shows my application is processing and the level payment plan. I have not received a bill at all, but right now, that bill would be wrong because Mohela hasn't processed my payment plan application they've had since XXXX. It should have been so easy to update my previous plan. The Dept of Ed and Mohela both had access to my IRS info. My employer has not changed. My address did not change. Nothing. This should have been so simple - but somehow Mohela has XXXX everything up completely. Was this not the company suing the federal government so they could start collecting these loans? They now say 'unprecedented ' but they knew how many loans they agreed to service and didn't invest in the staff to process them. This is all on Mohela. 

It is unclear to me why every PSLF applicant MUST use this company. The first thing they have done for me is erroneously make me ineligible for the PSLF program I have been in for 6.5 years and now refuse to fix it.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp. (AL)

On XX/XX/XXXX, First investors received a check totaling {$16000.00} for my XXXX XXXX XXXX XXXX that was totaled. The Market Value of the vehicle was actually lower than the processed check amount. I Spoke with a representative who stated that a vehicle valuation was needed to consider the vehicle paid off. XXXX XXXX XXXX XXXX XXXX  has tried to send over the report to XXXX XXXX XXXX as requested from first investors, but neither email seems to work. I am attaching the files requested to the complaint in hopes that first investors get this resolved immediately and updated on my credit report as paid in full as they stated they would via phone call.
Consumer complaint received 2023-11-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I lived in Missouri with a friend by the name of XXXX XXXX from the dates of XX/XX/XXXX to febuary XXXX. I decided to move back to Florida and stayed with a coworker named XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX apartment for less than 3 months. I never signed a lease with them and was on a month to month lease because I had only intended to stay for 3 months. XXXX the office and leasing XXXX understood this agreement and told me to stay off the lease in case she ( XXXX XXXX ) didn't pay bills after I left. I followed his statements. I left in XXXX of XXXX. XXXX XXXX abondand the place after I left. A debt collector by the name of National credit system reported me as having this debt collect of XXXX. I tried to resolve it with them but they refuse to remove my on the account because I lived there for over XXXX. XXXX is willing to talk an to the bureau because XXXX XXXX never gave Nation Credit System my information and I am not responsible for the account. His number is ( XXXX ) XXXX. I have no copies of the lease because I am not legally enitiled to it as I was not on it.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-27
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 have concerns and issues on my credit report that needs to be addressed, this complaint is not a mistake or sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting my life and my credit score negatively.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I looked at my report in XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

I sent a letter asking them to reinvestigate the accounts listed below because Please see the letters sent along with the tracking numbers for this letter # XXXX It shows letters are received but I did not receive a certified letter in the mail stating a response and it is well over the 30-60-90 days. I need this corrected as soon as possible
Consumer complaint received 2024-08-05
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. (PA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-05-08
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. (FL)

I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
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. (KY)

I have made several disputes with Experian about this debt collection XXXX XXXX XXXX two accounts. First one is # XXXX and second is account # XXXX. FRCA requires that you are consistent, complete and accurate across the board with every consumer reporting agency is reporting the same thing in each account. I just showed you how you did not verify this on Acct # XXXX XXXX XX/XX/2025, Experian has XX/XX/2025, and XXXX has XX/XX/2025 and Second acct # XXXX XXXX has XX/XX/2025, Experian has XX/XX/2025, and XXXX has XX/XX/2025. All three can't be accurate if you going by date of first delinquency. From my understanding a collection account are not supposed to include a payment history because This XXXX XXXX XXXX claiming a historical payment is falsely representing to my relationship with them. They can not report any payment history on the accounts from the alleged original creditor before, them. A collection is by default derogatory this goes without say. Please delete from my credit report immediately. Please note for these accounts I have disputed, unless every piece of inaccurate and missing data is filled in and every inconsistency, and every error is accurately fix or delete accounts entirely
Consumer complaint received 2023-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX XXXX XXXX Fl,XXXX XXXX Account number, XXXX Navy Federal I refinanced my vehicle with navy federal on XX/XX/XXXX, and my initial interest rate was 6.09 %. Within the contract, it notified me that I had 90 days to add Navy Federal as a lien holder to the title. I did not add navy federal to the title. Navy Federal waited until XX/XX/XXXXXXXX XXXX XXXX to change my interest rate to 16.35 %. According to the contract Navy Federal had 90 days to enforce that clause of the contract but Navy Federal waited over 960 days to enforce that portion of the contract. Navy Federal did not enforce the contract until it was convenient for them. After raising the interest rate the agency told me that if I add them as the lien holder within 90 days of the interest increase they will put any additional money paid towards the principle of the loan. The agency enforces the contract out of retaliation. The contract clause should've been implemented within 90 days of the contract being signed. I have never been late on a payment and I have never missed a payment on the loan.
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. (WI)

I'm writing to impart my nervousness with respect to the challenged records on my credit report. On different events, I have raised the issue of blunders in these records, and have dependably referenced that they be completely investigated. No matter what my undertakings, I actually really can't get any objective or medicinal action. These wrong records are truly hurting my credit report and disturbing my ability to continue with a customary life. The antagonistic outcomes of these mistakes have caused monstrous challenges for me, and I'm left with no choice aside from to contend for your assistance with remedying what's going on immediately. I humanely request that you direct a cautious assessment concerning the enumerating of all of these challenged records. It is fundamental that the fundamental advances are taken to revive and review my credit report right away. With your help, I want to restore the accuracy and genuineness of my credit record so I could recover control over my money related success. I sincerely request that you offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be tremendously important. Much gratitude to you early on for your appreciation and help.
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. (TX)

My account with 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 my 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 in those account 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  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 2024-05-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I had a debt show up on my credit report by Credence Resource Management , LLC claiming I owe XXXX XXXX XXXX under a account number that is not mine. I have received no correspondence from either company and am current on my 3 accounts that I do have with XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is refusing to cover XXXX $ in fraudulent XXXX purchases on my credit card. 
I did not purchase or receive the XXXX. These purchases occurred in XX/XX/2023 without my knowledge and I reported them to Wells Fargo within days. I filed a police report. Wells Fargo has refused my fraud claim and refused my dispute. Their investigation did not involve reaching out to me They stated in their written refusal that the charges appear valid. No other explanation. They did not send me information from their investigation and they never attempted to contact me. 
Wells Fargo is illegally refusing to cover their responsibility for credit card fraud and I would very much appreciate any assistance that CFPB could provide.