davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Consumer complaint received 2024-05-07
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. (NJ)

I am writing to convey my disappointment regarding your recent claims concerning my accounts. I AM FIRMLY REJECTING THESE CLAIMS ON THE GROUNDS THAT YOU LACK ANY SUBSTANTIAL MATERIAL FACTS OR EVIDENCE TO SUBSTANTIATE YOUR ASSERTIONS. Consequently, I strongly urge you to initiate a comprehensive and immediate investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. 

Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! 
The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. 

In the event that you persist in declining my position, I am prepared to take legal action by contacting my attorney to pursue a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the letter of the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required XXXX time-frame. 

I expect a written acknowledgment of the receipt of this dispute letter, as well as a commitment to investigate these issues diligently and impartially. The prompt resolution of this matter is in the best interests of all parties involved.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

We have had a lot of trouble with Nation star mortgage. we had to hire a lawyer a couple years ago to resolve some issues. We have been making our payment within the standard period on the XX/XX/XXXX or XX/XX/XXXX of every month for years. every mortgage company has a deadline of the XX/XX/XXXX for payments. there are even financial advice columns about making sure you pay no later than the XX/XX/XXXX. after much research and a phone call with nation star i have discovered that this bank ( the only XXXX i can find ) actually has a 10 day period.. this company has been very confusing and hard to deal with. i have never heard or known of anybody who does n't know about the XX/XX/XXXX being the last day to pay. so even though they say now that there policy changed it is extremely shady and had we known we would have been paying on the XX/XX/XXXX. why would we always pay by the XX/XX/XXXX if we were knowingly late. so they give a grace period that is not the standard 15 days and now we are being forced to pay {$1800.00} in fees.
Consumer complaint received 2024-05-07
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$340.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I disputed LATE PAYMENTS ON TWO Credit card ACCOUNTS with XXXX XXXX  with the credit reporting agencies in an attempt to get my credit report corrected and updated. They disputed the entire account as fraud, without my knowledge or authorization which resulted in two accounts with 12+ years of history combined being closed. This is DETRIMENTAL to my credit report / profile and is going to negatively impact my ability to buy a home, which I have just recently started the process. I sent a letter into the credit card company with 3 separate forms of identification, as well as 2 separate statements for each credit card account from my previous address as well as my current address and there has been no resolution. The credit reporting agencies need to rectify this issue by withdrawing the initial disputes that were submitted inaccurately and negligently and make note to the credit card company these accounts MUST be reopened immediately.
Consumer complaint received 2024-05-07
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. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed XXXX {$2000.00} XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXXXXXX Balance Owed : {$6700.00}
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: Experian Information Solutions Inc. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX, XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Sincerely XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and ID along with my SSN card was stolen. I called XXXXXXXX credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX and requested that the identity theft unauthorized inquiries be removed immediately and XXXX only removed 2 of them so now I have to dispute unauthorized inquiries with the actual companies are such as follows : XXXX. XXXX XXXX, XXXX. Capital one auto finance XXXX XXXXXXXX XXXX XXXX XXXX  Remove all unauthorized inquiries thank you for your understanding. 

Attached is a copy of my policy report for the identity theft report.
Consumer complaint received 2024-05-07
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. (IN)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

XX/XX/year> Amount- {$550.00} I am not liable for this debt with MIDLAND CREDIT MANAGEMENT . I do not have a contract with MIDLAND CREDIT MANAGEMENT. They did not provide me with the original contract as I requested. Please delete and remove from my credit report.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

EXPERIAN is furnishing incorrect credit reporting information. I have contacted the company to remove the improper credit information from the credit profile, including credit holder names and addresses designated on the profile. This information includes the name and address of the profile holder. Below are the names and addresses that need to be removed from the consumer profile : INCORRECT NAMES : XXXX XXXX Name ID # XXXX XXXXXX/XX/XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXXXX/XX/XXXXXXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXXXX/XX/XXXX Name ID # XXXX INCORRECT ADDRESSES Address ID # XXXX Single family Address ID # XXXX Single family Address ID # XXXX Single family Address ID # XXXX Multifamily Address ID # XXXX Multifamily
Consumer complaint received 2023-09-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Several weeks ago I attempted to link an external account so I could transfer funds from my Capital One account to an account at XXXX. I received no communication from Capital One that the linkage was not successful but did not see any microdeposits. I called at the time to inquire and no one could see the attempt or tell me what happened. This weekend, I tried to set up the linked account again but was getting an error message on the mobile application. I was told to try to set up in the online application instead of the mobile but it would still not go through. I spoke with a manager who information me that it could not be set up due to an internal glitch at Capital One and that she would send the information to the correct internal department to resolve and to try again on Tuesday. When I tried this morning, I received the same error message. Upon inquiry and discussion with a manager I was told that this was due to security reasons but that nothing was restricted with my funds. I asked if I could speak with someone in the fraud area to help me understand what the issue was and was told that wasnt possible. Since an external transfer could not be set up, I inquired as to whether I could wire the funds and was told I could, however, there would be a fee. I asked for the fee to be waived and was declined. I asked to escalate this request and was told that wasnt possible I was speaking with the highest level. I noted I would remain on the phone until I had a chance to speak with someone about the request. The manager put me on hold for about XXXX XXXX while she got someone and then hung up on me. I called the fraud department and was transferred again and was told the same as before. I hav e spoken with the Bank that the funds would be going into and they are not sure why this is not able to be done as everything looks ok on their end. I have been a customer for 20+ years and have what ( to me ) is a significant relationship with the Bank XXXX They arent paying the most competitive rates and I feel like they are now holding my money hostage making it difficult to set up an external transfer because they dont want people moving funds out of their account. Perhaps they are blocking transfers from going to competitors that are paying higher rates. I also cant believe that a 20+ year relationship when I have asked for next to nothing from the Bank is not worth a waived wire transfer fee. That is sad and I am disappointed that I now need to find another bank to do business with.
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: Experian Information Solutions Inc. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$220.00}
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I am having an issue with my student loan servicer, Mohela. I work for the state and have been on an income-based repayment plan for my student loans since early XXXX. I applied for the PSLF program in the middle of XXXX, and my loans were transferred from My XXXX XXXX to Mohela. I called Mohela several times between the middle of XXXX and late spring of XXXX to ensure that I would continue to be placed on the IBR plan and was assured that my plan would transfer over. I called again on XX/XX/XXXX to ensure that my account was on the IBR plan as I was still awaiting any information from Mohela regarding my repayment. I was told at that time that my account did not appear to be on an IBR plan but that the issue would be escalated and resolved before my first payment became due. I was also instructed that I did not need to reapply for the IBR program. On XX/XX/XXXX, I received a letter from Mohela saying they were experiencing a delay in processing my request, but that it would be processed. Last week I received a bill for {$1900.00} and was told that my account is on the standard plan. I was further informed that Mohela had canceled the request to evaluate my account to determine why I was not on the IBR. On XX/XX/XXXX, in an abundance of caution, I reapplied for the IBR program, specifically under the SAVE plan and my payment is set to be about {$430.00}. I called Mohela today to ensure that the application was received and was told that it was not. I then reapplied for the SAVE plan with a representative on the phone but was told that despite applying and despite my numerous phone calls the past few months, I am still responsible for the entire {$1900.00} bill due in XXXX. When I expressed concerns over my ability to pay, she told me they could place me on a forbearance, which will negatively impact my ability to apply for PSLF at the end of the 10-year period. While on the phone, I asked to speak with a supervisor and was placed on hold until XXXX XXXX. At XXXX XXXX, my call was disconnected by Mohela despite not being connected to a supervisor to try and address the issue. I am at a complete loss right now as I know I was proactive in reaching out to Mohela numerous times before they issued my first bill to ensure that I was placed on the correct plan, but instead, Mohela unilaterally chose to place me on the standard plan and is now saying I have 2.5 weeks to come up with over {$1900.00}.
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. (VA)

This collection does not belong to me and is reporting inaccurate. The original creditor does not respond to any phone calls, mail, or email. I have also spoken with the collection agency and sent proof that this is reported inaccurately. Once they received the proof they began to ignore me, hang up on me, or lie. 

XXXX, XXXX XX/XX/2023
Consumer complaint received 2023-07-12
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. (GA)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.