davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-10
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXXXX/XX/year> : XXXX XXXX  XX/XX/year> XXXX  XX/XX/year>
Consumer complaint received 2023-07-05
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. (FL)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed in ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Inaccurate Addresses : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-23
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)

XXXX is sending me monthly bill statements for a loan that I never co signed for. 
My daughter XXXX XXXX XXXX has XXXX loans through XXXX. She has never had a loan through XXXX and I have Never cosigned any XXXX loans. 

XXXX states that I cosigned a XXXX student loan ( account XXXX ) I want XXXX to provide me with the cosigned loan paperwork. 

My daughter has the following XXXX loans. Which are uptodate. 
XXXX Loan # XXXX for XXXX XXXX XXXX XXXX XXXX cosigner XXXX XXXX XXXX wife. 

XXXX Loan # XXXX for XXXX XXXX XXXX XXXX XXXX cosigner XXXX XXXX XXXX daughter. 

XXXX Loan # XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX daughter. 


Attached please see XXXX XXXX XXXX XXXX XXXX Proof of the XXXX loan statements that my daughter XXXX XXXX has XXXX XXXX XXXX XXXX XXXX XXXX 

I respectfully request that XXXX provide me with the loan paperwork that they think I cosigned. 
XXXX Requesting to remove this loan from my credit reports. 
XXXX Provide me with the proof that is loan is discharged from my name. 

My name XXXX XXXX XXXX
Consumer complaint received 2024-06-25
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: CREDIT ACCEPTANCE CORPORATION (IL)

CREDIT ACCEPTANCE CORP XXXX XXXX : {$0.00} This is NOT A DISPUTE, but I believe the information being reported to be inaccurate. For thatreason.
Consumer complaint received 2023-04-22
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. (IL)

During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XXXX  I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The account is listed as XXXX XXXX XXXXXXXX {$12000.00}
Consumer complaint received 2024-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My loan servicer is Mohela. 

I recently consolidated my federal student loans with the Dept. of Education and at the same time submitted an application for an income driven repayment plan ( XXXX  ). The Department of Education website shows that my application was processed on XX/XX/XXXX with a monthly payment of {$0.00} cents per month but, Mohela has me on standard payment plan of over {$860.00} per month since XXXX. 

If my XXXX application has been processed, which it has, I should be in an interest free/no payment due administrative payment pause due to the legal issues with the XXXX plan, not on a standard payment plan that is incurring interest. I have sent multiple messages to Mohela requesting that my XXXX application is correctly processed ( no satisfactory result so far ). 

Secondly, the only reason I applied for a consolidation last XXXX was because I was advised to do so on the Dept. of Education website. At the time I owed XXXXXXXX XXXX and my payment was {$0.00} cents per month ; now, XXXX months later, after consolidating, I owe {$150.00} XXXX and I am no longer on the XXXX plan, so interest ( over {$1000.00} per month ) is accruing all the time. I am very much worse off thanks to following the advice to consolidate my loans. 

Additionally, since I can't afford the payments of the standard payment plan, now my months in deferment won't count towards PSLF. I am a XXXX XXXX XXXX  and working towards PSLF forgiveness ( income XXXX : {$44.00}, XXXX ). 

V/r XXXX XXXX '' XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-07-21
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. (WV)

I have attempted to access my credit report on the Experian app and regular website. It had not been updated since XX/XX/XXXX. The error says that my creditors may have different information and I can't have access until it is fixed. 

I called Experian member services. The agent told me that it hasn't been updated because my creditors have not sent Experian any information. She recommended I call every company and ask them to send Experian my account information, which is ridiculous. 

She told me there is nothing that Experian can do to fix this. She was rude, raised her voice, and spoke over me. She further stated that I can not prove that my creditors are or are not submitting information to them without calling. 

I advised her that XXXX, my student loan company, reports to all 3 credit bureaus monthly. She then said that I haven't had student loans on my credit report since XXXX ; which can not be true since I have 4 years of payments to finish. 

I called back the following Monday and was transferred to another department. The man I spoke with says there was nothing wrong with my report and wanted to transfer me back to member services. When I asked for someone above him to help make sense of this issue, he hung up on me. 

I have been denied credit line increases because when the company attempted to pull my Experian account, they were told there was no credit file available. 

Experian is deliberately interfering with my ability to conduct business and refuse to fix the issue.
Consumer complaint received 2023-08-29
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. (ND)

This is the fourth time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 2024-05-21
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)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Concord Servicing Corporation (TX)

I contacted all XXXX credit bureaus and companies via certified mail on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( provided proof ) requesting they provide verification and that I signed authorizing my personal information to be tarnished by them. I requested evidence of authorization in alleged matter, authorization of law for my collection matter, authorization of law for their collection in alleged debt in my state, provide evidence or proof of alleged debt, including my signature of contact with my signature, and provide complete history including any charges added for collection ctivity. They did not do any of the above.
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (MS)

I deposited my check on my phone XXXX XX/XX/year> about XXXX pm. My funds shouldve been available the next business day it were not Truist bank put another hold on it for several more days. Im being evicted cause The bank will not relesase my funds. My family is homeless with no food.
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (IL)

During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XX/XX/XXXX I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The account is listed as XXXX XXXX XXXX {$12000.00}
Consumer complaint received 2024-08-02
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: EQUIFAX, INC. (IL)

I filed a dispute for Equifax on XXXX on XX/XX/XXXX regarding inaccurate and missing information on my credit account. On XX/XX/XXXX Equifax came back and stated that the prior paying history was updated and basically everything else was " verified as accurate. '' I PROVIDED EQUIFAX A PRIOR CREDIT FILE FROM XX/XX/XXXX WHICH INDICATED THE BALANCE HISTORY AND PAYMENT HISTORY THAT WAS MISSING AND NEEDED TO BE ADDED BACK INTO THE FILE IF EQUIFAX WAS NOT GOING TO DELETE. A REPELICA!!! AND EQUIFAX STILL DID NOT COMPLY WITH THE FCRA GUIDELINES!!! 

I THEN ASKED FOR ALL DOCUMENTS THAT WHERE USED IN THIS REINVESTIGATION WHICH BY STATUE EQUIFAX ONLY HAS 15 DAYS TO SENT THIS OUT. I HAVE NEVER RECEIVED INFORMATION REGARDING THIS REINVESTIGATION.

IT IS CLEAR THAT THERE WAS NO REINVESTIGATION XXXX XXXX.EQUIFAX REPORTED WHAT THE CREDIT AGENCY VERBALLY COMMUNICATED TO THEM. NO DOCUMENTS, NO COLLABERATION, NO PROCEDURES SET IN PLACE TO PREVENT THE CREDIT AGENCY FROM REPORTING INCORRECT INFORMATION. IT IS LOGIALLY INCONSISTANT TO NOT REALIZE THIS CREDIT FILE WAS MISSING OVER 90 % OF ITS INFORMATION, THIS WAS DUE TO THE FRADULAENT XXXX ACCOUNT XXXX 

DUE TO EQUIFAXS WILLFUL NONCOMPLIANCE WITH GUIDELINES I, THE CONSUMER HAVE TO WAIT EVEN LONGER AND HOPE EQUIFAX WILL FOLLOW PROCEDURE AS THEY SHOULD SO I CAN START TO FINANCIALLY REPAIR MY LIFE BACK. THIS CAUSED HARM TO THE CONSUMER, ME!!! 

THIS CLEARLY ESTABLISHES THAT EQUIFAX DOES NOT HAVE KNOWLEDGEABLE AND A WELL TRAINED STAFF AS REQUIRED BY 1022 ( m ). FEDERAL VIOLATION!!!
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b/Accuracy of report 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 about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- '' promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately.it is XXXX XXXXXXXX account which is XXXX XXXX XXXX, it is the hard inquiries from XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV INC. (VA)

I used my XXXX to pay a utility bill with XXXX XXXX on XX/XX/XXXX, on XX/XX/XXXX I got an email from XXXX saying that my account was frozen and I needed to contact Fiserv to fix the issue. I have call multiple times daily and can't reach anyone to explain the problem and unfreeze my bill pay account. The email directs me to an automated number at Fiserve and when I try to make a payment as instructed the automated attendant says there is no money owed. I can't pay my bill because I don't have paper statement 's, don't know the account numbers and need this resolved.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (NC)

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, XXXX, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX qualifies as a financial institution under this section.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX the financial institution and XXXX, XXXX, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked.

Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' XXXX, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC. (TX)

Date : XX/XX/2024. 

XXXX, XXXX and XXXX XXXX XXXX : We are sending out a XXXX XXXX XXXX XXXX to your business and home address to gather an organized list of assets. This is needed to initiate the process of monetizing the assets you pledged under your security agreement. Please reach out to me to schedule a time. If no time is scheduled, they will arrive unannounced. Also, today I initiated the process of freezing and attaching your bank account. 

This is an illegal action taken by the company. 
XXXX XXXX XXXX XXXX XXXX GLOBAL SOLUTION BIZ, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-07
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. (GA)

I filed a dispute with the XXXX Credit Bureau regarding inaccurate information on my credit report from " XXXX XXXX XXXX. '' The account with XXXX XXXX XXXX was closed and charged off on XXXX XXXX  however, the credit grantor has continued to report the charge off monthly after the original charge off date. This practice has negatively affected my credit report and credit score.
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

I attended XXXX XXXX XXXX XXXX from XXXX. This school committed misconduct and was placed on the list of schools with misconduct in the XXXXXXXX XXXX XXXX XXXX. I place an application for XXXX XXXX XXXX XXXX and was denied by Navient even though my school is on this list and I provided sufficient evidence. 
My application was placed on XX/XX/year> and denied on XX/XX/year>. The loan was originally a XXXX XXXX loan and is now being sold again. Repayment plans were not offered.