davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I reviewed a copy of my Experian Credit Report and noticed there was a Collection Account from XXXX XXXX XXXX reporting that I have no knowledge of. This is a fraudulent account. I contacted the company, and they ignored me, so I filed an FTC Identity theft report. I have attached the report with this complaint. 

XXXX XXXX XXXX Opened XXXX, XXXX  Amount : {$1600.00}
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX I deposited a 3rd party check under my mothers name. Currently the check is being held because they are unable to link a phone number to her name only. My mother has numbers that can be verified but their check department refuses to move forward with the situation. I fear that they will never give me my money back.I have tried to call them for the past two months but I cant make any progress because they refuse to tell me how I can verify her number and they are using cheap excuses to justify their actions.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

On XX/XX/24, I filed a dispute with Experian due to me seeing inconsistencies being reported on my credit report. After filing a dispute with Experian to open an investigation on the account I waited. Ive tried getting this account rectified but for some odd reason this account consistently show incorrect information on my credit report. The account came back updated once again yet I still see errors being reported. In accordance with the Fair Credit Reporting Act. The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX  - Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 ( A ) States I have the right to privacy. And according to 15 USC 1681 ( e ) ( b ) they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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 2024-08-07
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)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$54000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$6200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$6200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$6200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$510.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XX/XX/XXXXXXXX : Account Number : XXXX : Balance : {$1100.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 ) ( XXXX ) 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 2024-08-20
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: EQUIFAX, INC. (FL)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX  Resident Verify XXXX XXXX XXXX
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: 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. 

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 2024-08-08
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. (VA)

To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : XXXX XXXXXXXX - Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, The LAW clearly states : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this to my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include _ ( A ) Subject to section 1681s_3 of this title, any _i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-08-08
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: EQUIFAX, INC. (CA)

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax has an Account on my consumer report that is recorded twice as a duplicate, and the account has been closed for years and now chooses to report delinquent payments for XXXX  on both. ( see attached ) XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX The balances on these accounts are exactly the same as well as the opening dates. 
This is a clear cut duplicate account. 
No Permissible Purpose here, Metro 2 Non-Compliance.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

On XX/XX/year> I recieved an email in my response to my complaint about my student loan forgiveness after XXXX years/XXXX  XXXX. The email instructed me to consolidate my loans by XX/XX/year> in order for all my loans to be forgiven. I filled out the consolidation the same day. On XX/XX/year> Mohela sent me a forgiveness letter stating that my loans were forgiven effective XX/XX/year>. My account was XXXX out, my my credit report was updated to {$0.00}, and an account history statement was sent to me showing the writeoff on XX/XX/year>. Mohela then changed my account to show I owe the full amount and sent me a billing statement. Now they are pretending as if they never sent the forgiveness but I have attached the evidence to this complaint. This is bringing down my credit score and negatively affecting my ability to get credit.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

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 2024-08-08
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: EQUIFAX, INC. (NJ)

TO WHOM THIS XXXX CONCERN : I XXXX XXXX XXXX COMPLAINT TO THE FOLLOWING PARTIES ( XXXX, EQUIFAX AND XXXX ) ABOUT UNAUTHORIZED HARD INQUIRIES AND ACCOUNTS ON MY CREDIT. I WROTE TO THE PARTIES MULTIPLE TIMES AND NONE OF THE PARTIES ANSWERED NOR RESPONDED TO MY REQUEST. I WILL BE ATTACHING COPIES OF THE BRIEFS I SENT TO EACH PARTY INCLUDING DATE, ACCOUNT NUMBERS AND ETC. SO TO WHOM THIS XXXX CONCERN XXXX ANY OR SOMEONE RESPOND TO MY REQUEST AND I SURELY APPREICATE YOU AND THANK YOU XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX 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 2024-08-08
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. (IL)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my accoutrement. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I never applied for any of the accounts listed and would please like them removed from my report. 
1.XXXX XXXX XXXX Account Number : XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1600.00} 2.XXXX XXXX Account Number : XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$3100.00} 3.XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$3800.00}
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 XXXX XXXX Reference number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX, Account name : DEPT OF EDUCATIONXXXX, Account number : XXXX, Account name : XXXX XXXX XXXX  XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX, Account number:XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX, Account number:XXXX, Account name : XXXX XXXX, Account numberXXXX, Account name : XXXX XXXX, Account numberXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by the companies. I know that it typically takes XXXX years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

ACCOUNTS XXXX XXXX XXXXXXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-08-08
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MA)

Dear CFPB, I am filing a formal complaint against XXXX for their mishandling of my student loan deferment request, which has resulted in significant and unwarranted damage to my credit score. 

On XX/XX/year>, I submitted a request to defer my student loans due to my enrollment in school, along with all required documentation. XXXX initially rejected my request, incorrectly stating that the official 's signature was missing, a mistake they later acknowledged because the officials signature indeed was there. XXXX, a loan specialist at XXXX assured me that the forms would be reprocessed. 

As of XX/XX/year>, my deferment request has still not been processed, and I have experienced a drastic drop in my credit score of XXXX points. My credit report shows remarks such as " Loans deferred '' and " All payments made on time, '' yet despite these positive indicators, my score has significantly decreased. Additionally, my XXXX account continues to show that I owe loan payments, which I believe is due to their failure to process my deferment. 

Further, I have noticed that XXXX has made XXXX changes to my credit report during this period. This is an excessive and unnecessary amount of changes for a simple deferment request, and it has directly contributed to the substantial and unjustified drop in my credit score. 

This situation is causing me undue financial stress and impacting my creditworthiness through no fault of my own. I am requesting the CFPB 's assistance in ensuring that Aidvantage corrects the errors on my credit report, properly processes my deferment request, and rectifies any inaccuracies in their records that are currently harming my credit score. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX