davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX last XXXX reported me delinquent to all 3 bureaus - i was instructed to send them my insurance check for 2 payments - sent XXXX  per their instructions - i hired an attorney who sent them demand letter - they did nothing - although i have a recorded conversation stating XXXX  was at fault - now i go into hospital w XXXX  - my bank sends them instructions to draft w a letter - they dud not follow it and again reported me delinquent - i now am able to talk - no XXXX  / i sent them another payment - this company twice has reported fraudulently to all XXXX bureaus - i spent XXXX on attorneys and im a XXXX  survivor - XXXX - XXXX  - nothing has been done - ill file suit in federal court if this is not resolved in 21 days -
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Secti on 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 16811, every
single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immed ately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : NFCU I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXXXXXX XXXX XXXX regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KY)

Per FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and non-verbal per 15 USC 6802.

In accordance with the Fair Credit Reporting act. The List of accounts and addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ( AN ( 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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-12-09
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. (GA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 2024-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

The PSLF application was completed and certified by my employer. I received a letter from Mohela indicating my form was incomplete because it wasnt certified by my employer. I called and the representative reviewed my form and agreed that it was completed and certified by my employer. She said she would escalate so that the mistake could be corrected. Today, I received a message indicating that they couldnt certify my application because it was signed in XX/XX/2023 and I would need to submit a new application. Thats crazy. I replied to their email that they should approve for the timeframe indicated on the form! Ill resubmit for the next time period of my employment-XXXX XXXX onward. Please help me.
Consumer complaint received 2024-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

Nearly 60 days ago, on XX/XX/XXXX, my account was removed from administrative forbearance due to borrow defense because of a technical error and no other reason, according to a conversation I had with customer service on XX/XX/XXXX. I was then told that my account would be put back into administrative forbearance within XXXX XXXX XXXX business days. I called throughout XXXX, and now I am into XXXX and my account has never been put back into the requested administrative forbearance ; instead, it remains in repayment. Mohela, will not address my questions or emails and only provides me with responses stating we will address your problem when they are the ones who are responsible and promised to fix their mistake promptly. I have filed complaints with CFPB, my attorney general, and the Department of Education, which are still being investigated because Mohela does not respond and has too many complaints from other customers. My borrow defense is still in processing and the Department of Education has sent them the paperwork at least XXXX times about the forbearance, but they can not honor their word and fix their mistake. That is all I want ; now, they always ask me about repayment and state that it will be reported on my credit report if I do not pay. I was given a processing forbearance, which was removed on XX/XX/XXXX ; I was told it was supposed to remain until this problem was resolved or at least until XX/XX/XXXX ; that word was not honored either. I do not know what to do anymore, only that this loan servicer wants you to pay no matter what and does not follow the processes set by the Department of education, nor do they own their own mistakes. I want some assistance, or at least for them to own their mistakes.
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (RI)

During the pandemic pause, I paid off a few of my loans. In XXXX of 2023, right before loans resumed, XXXX of the loans I paid off was reinstated with a balance of {$26000.00}, even though I paid it off. It is now back and accruing interest. I called MOHELA multiple times but they have not fixed it. The most recent time I called them was on XX/XX/XXXX and I was on the line for over 1hr. They admitted that the loan was paid off but couldn't figure out why it was back and refused to remove it. Additionally, another loan that had a positive balance of around {$10000.00} now has a negative balance of - {$16000.00}, making it impossible for me to actually pay off that loan.
Consumer complaint received 2023-06-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (PA)

I had a car loan with XXXX XXXX  or bridgecrest during the height of the pandemic. I tried numerous times to get help in my payments. The pandemic was the result of millions of jobs lost including mine. I explain that to them in detail and how I lost my job during the pandemic and I was unable to pay my car payment and I needed help and they didn't help me. They told me that it wasn't their problem and I needed to make the payments and I asked them several times if they could cut it in half or do whatever was necessary to help me keep the car and they refused. As a result I got the car repossessed. I was out of a job for over a year after that pointAnd as a lot of people going the same position that I was as a result now my credit report is still damaged to the point where I still can't get credit because of it I recently called bridgecrest about a few months ago to see if they could help me at all and they said no. The pandemic ruined a lot of people 's lives and it was nobody 's fault. It was just what it was but today I'm still suffering because of it because of my credit report because of the car being repossessed they need to do something they need to help in some way
Consumer complaint received 2024-01-03
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. (GA)

I have repeatedly asked Experian to remove bankruptcy from my account it clearly goes against the fair credit act law as the u.s bankruptcy court of XXXX does not report any information involving bankruptcy directly to any credit bureau! I ask to be presented proof of this. If not please delete immediately off of my credit report. Am Experian employee lied to me and said the courts provided information on it to them which is against the law I have this conversation recorded which is attached down below
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

EXPERIAN, XXXX, XXXX is breaking the consumer law pertaining to XXXX XXXX XXXX Ive uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666b A CREDITOR MAY NOT REPORT A LATE PAYMENT ON A OPEN ENDED CREDIT ACCOUNT AS LATE FOR ANY PURPOSES. PLEASE REMOVE ALL LATE PAYMENTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I FILE A COMPLAINT WITH CFPB WHICH YALL STATES : XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, CHARGE OFF AMOUNT, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY We hope this resolves your concerns. 
THIS DOES NOT RESOLVE MY CONCERNS AS AGAIN under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. PLEASE PROVIDE PROOF OF SUCH WRITTEN INSTRYCTIONS OR REMOVE LATE PAYMENTS ASAP!!!!
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I have discovered unauthorized, fraudulent wire transfers and unauthorized fraudulent withdrawals from two of my bank accounts, that I am reporting under the ( Electronic Funds Transfer Act. ) Regulation ( E. ) And ( J. ) For an adjustment back to my current account. 

One account has since been closed, the other account is still current.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

I received my Chex Systems Consumer Report ID : XXXX and the following Reported Information, Inquiries Viewed By Others and Inquiries Viewed By You currently listed and showing on my Chex Systems Consumer Report is fraudulent, unauthorized and not my reported information or inquiries viewed by others or me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX has been contacting me, threatening court, additional charges, and accusing me of ignoring their calls. I am a XXXX XXXX XXXX and was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who had been working 10-15+ hour shifts, driving over an hour to work. 

On XX/XX/XXXX, for almost 30 minutes, I had a credit debt account executive and a manager get on the phone, the manager- a male- constantly interrupting his employee and myself. I asked for information to be emailed and I would check my mail again. He was very aggressive, trying to get me to commit to a payment over the phone and to not fact check anything either one of them was saying. I repeatedly asked for a couple days to review finances and information to which he replied that I'm in this situation for ignoring their calls. 

Throughout 2020, I contacted Capital One, asking for relief for credit cards due to covid-19 impact, loss of income, and XXXX. The misinformation, inconsistency, and incompetency has now resulted in my account being charged off, after I had set up payment arrangements in XXXX, for a 3 month period. 

I had no clue or was unaware of my credit card account being sold to a collection agency.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/23 Capital One Auto Finance reported my car as a charge off which is incorrect, the account is paid off. 

XX/XX/23 Capital One reported a closed paid charged off account. 

XX/XX/23 XXXX XXXXXXXX XXXX reported pay off late and kept reporting negative items for XXXX  years
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

34 CFR 682.208 ( 3 ) Due Diligence in Servicing a Loan : " Upon receipt of a valid identity theft report as defined in section 603 ( q ) ( 4 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) or notification from a consumer reporting agency that information furnished by the lender is a result of an alleged identity theft as defined in 682.402 ( e ) ( 14 ), an eligible lender shall suspend consumer reporting agency reporting for a period not to exceed 120 days while the lender determines the enforceability of a loan. '' As a result of attempting to communicate with XXXX over a year on my loan, I ultimately stopped payment on my loans in XX/XX/XXXX  in order not to ratify any modifications to my contract after discovering identity theft in the form of an unauthorized XXXX  application in XX/XX/, which XXXX now admits was not applicable to my account. ( Notably, had XXXX pushed my payments ahead due to all of the overpayments, I would be years ahead at this point. ) I provided proof of identity theft ( attached ), yet my credit reports have not been updated in accordance with the foregoing section. I am a small business owner and unable to obtain favorable interest-rate loans for the continued operation of my company as a result of the effect of this identity theft and failure to properly service my loan.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

I ordered a product offline and was then informed that I could not use it. I immediately tried to call and cancel and send emails but the company would not answer my calls or emails. I then filed a dispute with Chime, my bank at that time. After I filed the dispute the company I ordered from finally answered me telling me it was too late to cancel and that the order had shipped but if I rejected the package or returned it within 60 days they would refund my money. I returned the product as instructed and sent the tracking number to the company to get my money refunded. Once they received their product back they told me it was a dispute and I needed to call my bank. They said that Chime had done a charge back and showed me documentation of this. Chime had given me temporary credit for the refund and now they have reversed it and charged my account {$410.00}. So I sent them the proof of the returned product as well as the correspondence from the company guaranteeing a refund but they refuse to give me my money back. They have sent documentation stating the reason for refusing to pay me was the I did not return the product as requested and this is completely false.
Consumer complaint received 2024-01-03
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. (PA)

I sent off dispute letters to Experian, XXXX XXXX XXXX asking them to remove all unverifiable information from my credit report. The letters week of XX/XX/XXXX to XXXXXXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.