davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY 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 XXXX XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Thank you.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX who is in XXXX  in XXXX XXXX was caught with my personal information and a bunch of accounts he opened in my name.. he was convicted if this.. I've disputed this 3x and even included his charges and disposition of the case but experian keeps updating my disputes as " verified '' and lowers my credit score every time they " verify '' it. They refuse to remove these identity theft accounts from my credit report and even though I provided them with his conviction the now want a police report.. I didn't know identity theft happened until he was arrested and therefore there is no police report.. I have the same adverse accounts now as I did when I started this action because Experian keep updating as " valid '' yet they have lowered my credit score XXXX points even though nothing has changed. I want the fraudulent accounts removed, they have the court paperwork.. I want my credit score brought up to where it should be before this fraud happened to me.. when I complained they sent me a copy of my credit report and said to send a police report. I already gave the court documents there is no police report. Thats XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-08-05
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: General Motors Financial Company, Inc. (CA)

We purchased a new vehicle last month. The dealership was told that we would be paying for the vehicle and NOT FINANCING it. They indicated they would not do a XXXX XXXX inquiry. 
We found that a XXXX XXXX was done on myself and my son on XXXX. 
XXXX XXXX was notified and a complaint was logged with them. They told me I needed to contact you also. 

GM Financial 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 2024-06-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I bought vanilla gift card in the amount of {$100.00} on XX/XX/year> and I tried to use it there was XXXX balance on the card. I have initially contacted the vanilla card on XX/XX/year> with case number XXXX. I have provided all the documents they requested and contacted numerous times since then but I have not received any resolution to this problem.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised 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 DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

US Auto Sales sold my car debt to Westlake Portfolio and I found out about it on the news. The payment amount owed on my car is still the same as it was when I purchased it almost XXXX years ago. Also, my biweekly payment included gap insurance, warranties, and oil changes. Westlake will not honor my original contract. I was told they bought the debt and that's it. However, my payments are still the same.
Consumer complaint received 2024-02-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I'm being harassed and defamed by debt collections agencies and merchant XXXX. A year or more ago A debt collections agency contacted me about the account and said it was sold to them. The collection account was disputed, I sent the receipt emailed to me from XXXX a year or more before, after I closed the account, I am not sure if the collections was settled. Now I have been rebilled for the account from a collection agency.
Consumer complaint received 2024-05-04
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. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

Upon hearing about the possible student loan forgiveness, on XX/XX/XXXX I made a request to my loan servicer ( Mohela ) for a refund of XXXX payments I made during the Covid forbearance totaling {$1900.00} ( bank statement with amounts and dates attached ). On that original call I was told that because of the high volume of refunds, I should expect my refund within 90 days of the processing date via my original form of payment ( direct deposit to my checking account ). 

Within a few weeks of the original refund request on XX/XX/XXXX, my loan balance was reinstated to the original principal and the payments on my Mohela account were removed as of the processing date of XX/XX/XXXX. 

However, as of XX/XX/XXXX, I have yet to receive any form of payment from Mohela. 

I have called Mohela on multiple occasions, averaging every XXXX months, since XXXX of XXXX and each time I have been told that my request was processed and that they no longer had control of the refund because it was sent to the US Treasury and that I should give it another XXXX days. 

Given that it has been XXXX  days since my original request, it is disheartening to know that I am now not only earning interest on the higher reinstated principal, but that the money I paid is not back in my pocket.
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX added a collection to my Experian and XXXX report. This is not my debt and I filed a fraud report. I would like Experian and XXXX delete and block this collection company from my credit report.
Consumer complaint received 2023-11-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (CT)

I am involved in litigation with midland I am federally protected consumer I have never had any transactional history with midland or have a contractual obligation with the alleged account I am being sued for This has caused sever confusion for my family and frustration I have never had a account with this company with my wet signature I have never made any transactions The alleged account has a arbitration agreement in place before any litigation can begin Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. 15 U.S.C. 1692f ( 1 ).

Midland is using unfair and misleading information to obtain a frivolous debt and I will not be scared into paying for a account that I have no contractual obligation
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I knew I was getting a transfer of my job and I asked for refinance options or a forbearance. I has issues with them following back up with me and then I didn't receive any call back. I was then told I had to upload my documentation but I could not, the website would not let me. Then I sent the documentation to the email address with no call back. Then I called into the mortgage again and was advised they would accept my email requesting the information. Then I was denied an adjustment in my mortgage or any help. I feel like they personally are trying to make me go into foreclosure.
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (OK)

I requested and received a forbearance on my mortgage for 90 days. This covered payments normally due XX/XX/XXXX - XX/XX/XXXX. I had made the three previous payments for XXXX XXXX XXXX ) and was up to date at this time. 
I resumed payments starting in XX/XX/XXXX and have made all payments since then. I requested and was given a deferral for the 3 payments during the forbearance period, moving them to the end of the loan term. 
I was in a bankruptcy at the end of XXXX but did not miss any payments, and entered into a reaffirmation agreement with the mortgage holder in XXXX. 
Since XX/XX/XXXX, the mortgage holder has claimed I am one month behind every month. They have sent me notices of Breach and threatened foreclosure. I have tried more than a dozen times to clear this up with them, and each time the person I speak with gives me a different reason for the problem. No one so far has been able to tell me what month I missed. 
I have provided proof of payments to them, but they have not acknowledged this. I have given the dates of all payments to several people on the phone and all of them have agreed the payments were made, but still insist I am behind, possibly from years ago. No one seems to know. 
This seems to me an attempt to collect a deferred payment in violation of XXXX XXXX rules ( it is a XXXX XXXX  loan ) and the CARES act, as it has been suggested several time by the mortgage holder that paying the deferred payments would solve the problem.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MI)

Hello I had an Victoria Secret Credit Card account, of 2019 I closed it no longer wanted it It is all Paid in full but i am still getting Late fee Charges, and it is getting Billed to my Credit report.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (FL)

They closed my account on XXXX. But keep reporting it open to XXXX. I requested the account be closed on XX/XX/2023. They closed the card and sent me a confirmation email that it was closed. I had no late payments at the time. Its fixed on all the other credit bureaus. But it keeps being reported open on my XXXX report. It is now almost 90 days and I have disputed it several times with aspire customer service as well as XXXX. XXXX keeps saying that a spire says its opened. When I call and speak to a spire customer service, they verify that it was closed on XX/XX/XXXX and keep giving me the runaround and saying oh it will be updated within 30 days. Will it be in three months now and now I have a late payment reported and this falsely reporting an accurate information is damaging my credit severely and his violating the fair credit reporting act.
Consumer complaint received 2023-11-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, i went into my online Bank of America account and noticed all these charges on my Visa card. They were all from XXXX XXXX XXXX. Someone had charged items from XXXX and XXXX XXXX. I immediately went to the Bank of America on XXXX XXXX in XXXX and spoke to an employee there ( dont remember his name ) .He called fraud Dept. for me so I could talk to them. They said they would investigate and the next day the charges were removed. I called XXXX and they told me they would investigate. Two weeks later the charges were back on my card. I was never notified by the bank that they were going to do that. I called the bank again and they then they told me that the charges were put back because XXXX sent them a letter stating that I signed something saying they were my charges, which is a lie. The Bank never showed me a copy of it and now XXXX is sending it to a collectiion agency, which means I willl have to pay twice for something I never bought in the first place.The bank never paid XXXX the money either. XXXX keeps trying to put the purchases through on the cancelled card.
Consumer complaint received 2023-12-29
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. (WA)

RE : Loan Number XXXX I contacted my mortgage lender, XXXX XXXX, in the month of XXXX requesting that they remove the XXXX time 30 day mortgage late listed on my credit report for XX/XX/2023. 

I had an automatic payment set up with XXXX XXXX for XXXX different mortgages. XXXX XXXX separated the mortgages and transferred the above referenced mortage for servicing with another Company ( XXXX Mortage Servicing ), and then XXXX XXXX cancelled my automatic payment. 

My payment apparently was to start at the new Company in XX/XX/2023. 



Here is my reason for this complaint : Since my new payment was supposed to start XX/XX/2023 with another company, XXXX Servicing, XXXX XXXX or XXXX should not have reported the 30 day late payment. The 60 day grace period allowed by XXXX after any mortgage transfer was not applied to my mortgage. I reached out to XXXX XXXX and XXXX and they failed to rectify this matter caused by no fault on my part. 



Please contact XXXX XXXX and request them to remove the XXXX time 30 day late payment from all the credit bureaus on the above referenced Loan thank you. 
XXXX XXXX
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I Called To Get More Information On A Debt Through XXXX XXXX. I Was Wanting To Pay Off An Account And Get The Information Deleted Off My Report. I Spoke With A Lady Agreeing That This Could Happen. So On XX/XX/XXXX I Paid The Account Off But Now XX/XX/XXXX The Account Is Still Listed On My Report
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. (NV)

XX/XX/year> I notice XXXX spelling over XXXX on webpage. I complain of alien province harassing customer 's web page. The alien province is the customer 's mothers maiden name of XXXX applying alternative name to application of XXXX and XXXX to deny XXXX consumer account issued by XXXX department.