davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$640.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} 10/22 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-16
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

XXXX, a subsidiary of Lakeview Loan Servicing, is servicing my mortgage and they offer what appears to be a customer support hotline at the number of XXXX. This number goes directly to an automated line, with the option to speak with a representative as needed. I called today ( XX/XX/2023 ) several times, at approximately XXXX XXXX  CT, and XXXX CT, and as listed on their website-- https : //lakeviewloanservicingXXXX, their center is supposed to be staffed between XXXX XXXX  - XXXX XXXX  ET M-F. However there is no ability to actually contact an individual, as both the path to speak to a representative to make a payment and reach out directly for assistance go to an automated response that " Our agents are unable to assist you '' with an automated disconnect of the call. I am having trouble interacting with their website and need human confirmation on whether a payment went through, so not being able to contact them is causing stress and frustration.
Consumer complaint received 2023-09-20
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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 2024-04-13
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Date ; XX/XX/XXXX XXXX I recently pulled my credit report for my annual credit report.com and notice a few disturbing items wrong on my credit report I noticed that the names numbers and addresses were incorrect since then I filed the FTC complaint to rectify this problem. These addresses and names are not mine. Iam asking for the CFPB to assist me In this issue I sent XXXX Experian, and XXXX 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. This is my only name and my only address
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (FL)

The car loan was closed due to the car being a total loss all bills were finalized and the checks were sent. They are still report on my credit report that I am 30 days and then 60 days delinquent when the house has been closed out! How can I possibly owe on a XXXX balance.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2024 I uploaded a request to experian.com/upload to remove an extended fraud alert from my credit file. I am attempting to open up a new line of credit. The next day I received numerous emails from Experian stating " we are working on your request '' and then, finally, " your request is complete. '' I then received two conflicting emails. One stated the fraud alert was removed from my credit file ( see attached ), the other stated that a fraud alert was added to my credit file ( see attached ). I only requested that the fraud alert be removed. I never requested any type of alert be added. For the past three days I have attempted to contact Experian via telephone and through their website without success. They do not remove fraud alerts via phone, and my written requests have gone unanswered.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have mailed Experian a Dispute letter dated the XX/XX/XXXX explaining the inaccuracies in my consumer report ( a copy is uploaded ). Experian sent an email saying that they will not initiate disputes based on suspicious correspondence ( see email that is uploaded ). My question is how can they see my dispute letter as suspicious but they do not have any investigation reports detailing all of the inaccuracies in my consumer report that I never gave permissible purpose for in the first place? 

1 ) The Fair Credit Reporting Act says that consumer reporting agencies such as Experian have a duty to adopt reasonable procedures for meeting the needs for consumer credit in a manner which it is fair and equitable to me as a consumer. 

2 ) The Fair Credit Reporting Act also state that 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 reports relates. 

Experian needs to exercise their duties to remove all inaccuracies which has been ruining my reputation.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account, XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-20
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX was unable to report the loan status as paid off since XX/XX/XXXX. In XXXX they instructed me to file a dispute, which I did with Experian. The resolution of that dispute was that Experian removed the entire account from my credit report, which lowered my credit score because all of the history was lost. Experian says they did this because XXXX XXXX XXXX did not respond to the dispute. 

I have contacted Experian several times by calling XXXX regarding the dispute # XXXX and am still being told that XXXX XXXX XXXX has not submitted the information to them. The information is showing with XXXX and XXXX. 

XXXX XXXX XXXX continues to tell me they have submitted the information to Experian, Again, this account was paid off XX/XX/XXXX and needs to be showing on my Experian credit history.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, 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)

XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX 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 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (TN)

The representatives of the company harassed family members and filed reports containing non public private information to the private reporting agencies after contacting me daily and failing to submit proof of loan after i requested this information on multiple occasions. I have Opted Out of any sharing of non public private information and the information is on reports being shared by private reporting agencies. This is a violation of the Privacy Act of 1974.
Consumer complaint received 2023-11-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (IL)

I am writing to express my deep concern and hardship in repaying my student loans. Currently, I am required to make monthly payments of {$1300.00}, which is a substantial portion of my monthly income, as I bring home approximately {$3000.00} a month. This financial burden has become overwhelming and unsustainable for me, making it exceedingly challenging to cover my basic living expenses, let alone save for my future. I have diligently tried to manage my finances and fulfill my responsibilities, but the current loan repayment terms are pushing me to the brink. What makes the situation even more challenging is that I have the inability to refinance or consolidate my student loans due to a low credit score. My credit score suffered due to issues repaying credit card debt, primarily stemming from the burden of this student loan payment. I kindly request your assistance and guidance in exploring alternative repayment options or potential loan forgiveness programs that could provide some relief in my circumstances. Your support in addressing this issue would greatly alleviate my financial stress and allow me to plan for a more secure financial future.
Consumer complaint received 2023-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (IL)

I am writing this complaint against Target for Breach of Agreement. 

I called and spoke with a Target collection representative on XX/XX/XXXX and requested a settlement on a charged off account. We agreed to a one-time lump sum payment in the amount of {$520.00}. Target received payment by check per this agreement and drafted find out of my bank account which posted on XX/XX/XXXX. Target reported the balance on this account as removed and noted paid in full for less - charged off on my credit files at the three major credit bureaus. 

6 months later on XX/XX/XXXX, I received a refund check through the mail from Target in the amount of {$520.00}. I called and spoke to a Target collection representative. She informed me that the balance of {$520.00} was somehow reinserted but she did not elaborate on why. 

Target is now reporting a delinquent balance of {$520.00} while simultaneously reporting this account settled in full for less on my credit report even though Target drafted funds {$520.00} out of my bank account which posted on XX/XX/XXXX. This is inaccurate and a violation of the Fair Credit Reporting Act. 

I am requesting Target to expunge this account from my files at the three major credit reporting agencies for inaccuracy or explain what is your purpose of sending me a refund check?
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA (CA)

I'm on the new SAVE plan and making all my payments ( {$0.00} ) so my balance is not supposed to go up, but MOHELA is still reporting it to credit BUREAUs as going up and this is making my credit score go down. I've asked many times why this has happened to my credit reports but their excuses are either totally irrelevant, blatant lies, or actually prove why they shouldn't be reporting interest. I've asked them to cease reporting this to credit bureaus as I'm on the SAVE plan, but they are still doing so. The SAVE plan is not supposed to accrue interest on $ XXXX  monthly payments. so they didn't address this issue except to admit they are not following the SAVE plan.
Consumer complaint received 2023-09-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2023, I sent a letter to an alleged creditor who was sending me letters about a debt I don't recognize that they claim was charged off. In this letter, I requested that I be sent the XXXX form as proof of the charge-off status. I did not receive any response. Previously, on XX/XX/2023, I have sent a request to XXXX asking to verify information concerning the debt, which appeared on my XXXX report ; this information came back as allegedly verified, but the response was incomplete. A subsequent request for production of the method of verification was made on XX/XX/2023 and went unanswered. As a result, on XX/XX/2023 I made my request for the production of the XXXX showing my full name and alleged account number. When I, as an alleged holder of a charged-off debt, request a XXXX form from a party claiming to be a creditor, it is because I may have a reasonable belief that the debt was not validly canceled or that I do not owe taxes on the canceled debt. As an example, debtors may also request a XXXX form if they believe that the creditor already collected the debt, or if they believe that the debt was canceled due to a clerical error. If a party that acts as the creditor receives a request for a XXXX form from an alleged debtor, they should respond to the request promptly and provide the debtor with a copy of the form when required to do so. Federal law does require creditors to produce a XXXX form to a debtor in certain cases ; particularly, a creditor must produce a XXXX form to a debtor if the creditor charges off a debt of {$600.00} or more, as would seem to be the case for me, based on information shown on my XXXX report.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A Capital One credit card was fraudulently opened in my name on XX/XX/2023. The person applying for the card had used a previous address on the application. Neither me nor anyone in my household has applied for any credit cards in the past year. The card was forwarded to my new address on XX/XX/2023 which is how I discovered that this fraud had taken place. I immediately notified Capital One and they are conducting a fraud investigation.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-09-20
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.