davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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. (CA)

Im a foreign national and my identity stolen. My consulate told me to go FTC website. I dont know much XXXX but here is info please help. Can you help me. These accounts are not me. Someone use my info. Can you have remove? Here are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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. (CA)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (LA)

On XX/XX/XXXX, I contacted ED financial when I found out about Biden 's Loan Forgiveness. I went to the FSA website that I could request a refund on payments that were made during the payment pause that started in XXXX. During the pause on payments, I paid off fully over {$35000.00} in student loans. After finding out about the forgiveness, I immediate contacted ED Financial about a refund of {$20000.00} due to me being a recipient of the Pell Grant and making under {$120000.00}. These qualifications mean that I am eligible for XXXX loan forgiveness. 

ED Financial is seeming to not know much about the refund and could not give me a time frame the refund would come. There are many other servicers that are giving time frames on refunds and refunds being reflected on their account. The application for forgiveness begins this month in XXXX and I am worried that ED financial will not process my refund in order for me to receive student loan forgiveness. I was told that the loan balance would not be reinstated until the refund was processed which may be after the deadline. The payments and accruing of interest will return in XXXX of XXXX. 

ED financial also told me that they can not provide a confirmation number or email proving that my request was sent to be processed. I do understand the volume of people requesting money back makes the time longer but its very concerning that they can not give me date range for my refund. I fear not getting my refund on time for forgiveness. Other servicers are getting their customers refunds and dates of refunds but ED financial seems to not know a thing. The refund would be a blessing to my family and so many other families during these hard times. I believe that this company, ED Financial does not care to give my refund in a timely manner and this bothers me daily. 

I am writing this complaint after hours discussion with others with this same fear. If I do not get my refund and have loans forgiven, I believe I will be devastated.
Consumer complaint received 2024-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FEDChex Recovery, LLC (CA)

I received phone calls and text messages from a debt collector, XXXX XXXX, about a debt with XXXX. I explained to XXXX that I didn't have a debt with them. They stated that I did dating back XX/XX/2024. I sent proof debt was paid but they said it was not. They made me repay for a debt that I had already paid for.
Consumer complaint received 2024-04-18
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. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, 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'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few items that require deletion. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). I'm confident the contested items are settled : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XX/XX/2022
Consumer complaint received 2024-02-01
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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: EQUIFAX, INC. (TX)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
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: EQUIFAX, INC. (LA)

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 account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2024-08-15
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. (LA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date XXXX XXXX : XX/XX/2023
Consumer complaint received 2024-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed the same four accounts with XXXX, XXXX and Transunion for at the very least 6 months. XXXX and XXXX both have deleted the accounts listing me as a victim of fraud. Transunion has deleted only one account ( XXXX XXXX ) but continues to report the other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as being verified. Each time transunion responds at almost the 30 day mark. I have requested the method of verification and I have yet to receive anything disclosing this process that keeps returning 3 of the 4 items as being verified. I find it hard to believe that Transunion is actually investigating my disputes especially when the other 2 agencies have resolved the matter. My information has been leaked in almost all of the date breaches that these agencies have had yet Transunion is the only one that is determined to keep false information on my report. I understand its a business but I do have rights that are supposedly protected by the FCRA and other codes and they are all being violated by Transunion.
Consumer complaint received 2024-04-18
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. (FL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2024-01-10
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 XXXX XXXX am a federally protected consumer under the Fair Credit Reporting Act. Please be informed that as per 16 CFR 313 along with 15 U.S. Code 6802, I am now opting out of any and all authorization I the consumer may have given to Experian written, unwritten, verbal and non-verbal concerning the following Capital One accounts listed on my credit profile with Experian. 

XXXX. XXXX XXXX. XXXX XXXX. XXXX Please promptly delete all items of information related to the accounts listed above from the file of the consumer. Both together and separately my consumer and privacy rights are being violated. The aforementioned accounts are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm, duress and discrimination.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, 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. (MS)

On XX/XX/XXXX my credit report was obtained by XXXX & XXXX XXXX ; XXXX from Equifax. Again on XXXX XXXX my credit was obtained by XXXX XXXX XXXX from Equifax and XXXX. Also on XXXX XXXX XXXX XXXX ( XXXX XXXX ) obtained a copy of my credit report from XXXX. I have NEVER authorized either XXXX of these companies to obtain a copy of my credit report. Infact, there was a credit freeze in place on all XXXX of my credit reports at the times of all credit inquiries so I don't know how they were able to obtain it. I've reached out to Equifax XXXX XXXX numerous of times and each time they say that credit inquiries are factual data and therefore will remain on my report. I'm here to say this indeed is NOT factual data because I NEVER authorized neither of these companies to check my credit from either of the credit reporting Bureaus. 
I'm asking the CFPB to look into this and have both Equifax and XXXX remove all of these unauthorized credit inquiries from my rcredit report as it is hindering me from obtaining future credit. 

Thanks, XXXX
Consumer complaint received 2024-04-18
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-18
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. (GA)

Despite my persistent attempts, I've encountered no resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the significance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I implore you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will leave me with no choice but to demand the immediate removal of these items from my report.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Greetings CFPB team I want to draw your attention to this XXXX  XXXXXXXX XXXX account with account number XXXX. I have always been an excellent payer of my financial commitments. I have never paid late. 
This account mentioned above presents a balance of {$550.00} which is false. It also says that it was Charge Off without first having produced a single delay. I have tried everything. I have talked to them, I have disputed the account I don't know how many times. I already have an incredible level of frustration. If you look at my account in the credit report, which I hope you do, you will see what I mentioned. 
Imagine that the Last Payment Date XX/XX/XXXX  is False, the Closed Date is also False, the Balance is False, my Payment History has no delays. The company keeps saying that everything is accurate. 
This has already affected me, my business and my entire family. I hope you can help me.
Consumer complaint received 2024-04-18
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)

This account was charged off on XX/XX/2021 and since then the close date has been inaccurate across the XXXX and Experian bureaus. A charged-off account should reflect the accurate dates across all bureaus. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX Account no. XXXX
Consumer complaint received 2024-03-10
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: ENCORE CAPITAL GROUP INC. (IN)

The company sold my account to a company without my permission. This Company needs to provide the original contract with my original wet ink human signature to verify debt is in fact the debt of XXXX : XXXX. 

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy purse to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 ( 4 ).

If they are unable to provide the above this account by law must be removed from my account.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (VA)

My loan is impossible to pay off. I learned yesterday XX/XX/XXXX from speaking with customer service that my loan accurs interest at a daily rate of approx. {$13.00}. {$13.00} x XXXX {$390.00} in interest on top of a {$540.00} payment. I am being over charged fraudulently in interest. Only {$760.00} out of 11 payments of {$540.00} have been applied to the principal balance since XX/XX/XXXX until now. 

The daily rate was not included in the signed contract. The car is XXXX ; XXXX XXXX XXXX and was purchased with a tear in the drivers back bottom passenger seat. Its not worth the money for a car like that with no gap insurance included.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

XXXX stolen XX/XX/2020. Cash app acct was taken over ( cash tag/email/phone changed so i didn't know it was accesed and locked me out of account ) reported this a few days later when i realized the acct was empty. Cash app did nothing about unauthorized transactions, kept me out of account until it was too late to dispute charges. I can not get any details of transactions that would've enabled me to dispute thr charges eith the merchants. I lost about {$700.00} and information on parties responsible for fraudulent charges. I was let into my acct recently after they accepted my IRS stimulus checks and I posted many negative reviews and complaints online