davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. 

I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2024-05-13
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. (FL)

According to my research about FCRA 605, 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 XXXXXX/XX/year>
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-02
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

" I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. "
Consumer complaint received 2024-07-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: Sunlight Financial LLC (FL)

This started when I tasked my ex girlfriend to call around for solar panel installation quotes. She immediately called XXXX XXXX XXXX XXXX XXXX XXXX XXXX out electric provider and they suggest XXXX XXXX. I found this strange that a non-profit, coop was suggesting any solar company but maybe they get a kickback from it I didn't not know. However I wish they'd never suggested XXXX. The salesman from XXXX, XXXX, put great pressure on myself and my ex, he wouldn't take no for an answer and the under great, great duress I caved and signed a bunch of things I wasn't in agreeance with. He did change the terms to make it slightly less of a bilk but the cost is beyond any reasonable cost, nearly {$70000.00} for ground mount solar. Too to my complaint is that they use Sunlight Financial as the financial institution, there are a mountain of complaints against Sunlight for bad business practices. I didn't really have an issue until this month when they raised my solar fee from {$250.00} to {$320.00} without so much of a warning. They think people do not check their statements and wouldn't expect such a hike. Upon speaking with customer service who were very rude and stated that the company want XXXX % of the total loan to keep the rate the same. I was told by XXXX that I could pay with the tax credit over 20 years to pay off $ XXXX and that the rate would stay the same if I put a XXXX or so on the principle upon receipt of tax credit, which I did. I paid several thousands off on the principle and yet they still raised my rate, without my knowledge in an attempt to cause me to default on my payment so that they can take my house. They also tie in XXXX XXXX XXXX to make the consumer create an account which the them as well for some reason. These XXXX companies are all in bed with each other to bilk the consumer out and f thousands and thousands of dollars. Hardly any of the payment goes to the principal and it isn't right. I want to speak to someone about this Ponzi scheme and am wondering how f a class action lawsuit can be filed for considering the long list of very upset customers.
Consumer complaint received 2024-05-13
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. (FL)

According to my research about FCRA 605, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

This past week ( XXXX XXXX ), I spoke with Sloan Servicing personnel to request the following information : 1. Amitorization schedule 2. History of ALL XXXX payments we've made on the loans to date XXXX. A forbearance schedule While I received a forbearance schedule, Sloan Servicing staff NEVER delivered on the additional information I requested. Instead, they processed a request I NEVER made : placing my loan in forbearance. 

Despite their lack of efficacy, I was able to review the forbearance schedule only to discover that isn't the first time my loan was placed on forbearance WITHOUT my permission. Considering Sloan Servicing claims that I owe thousands more than the actual amount borrowed from XXXX ( despite making XXXX payments ), this smacks of the Consumer Financial Protection Bureau 's warnings of errors/delays/red tape/illegal actions on the part of servicing companies.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am filing a complaint regarding the mishandling of a debt collection by XXXX XXXX XXXX XXXX XXXX, in relation to an erroneous charge for an XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX through XXXX XXXX. 

On XX/XX/2022, I purchased the XXXX on an installment plan from XXXX XXXX XXXX via XXXX XXXX. However, I returned the device to XXXX XXXX within the 14-day return window on XX/XX/2022, due to dissatisfaction. Despite the return being properly processed by XXXX XXXXXXXX XXXX XXXX XXXX erroneously billed me {$970.00} for the device, which was sold to XXXX XXXX XXXX XXXX XXXX for collection. 

Despite providing evidence of the return, including purchase and return receipts, XXXX XXXX XXXX XXXX XXXX continued its collection efforts and reported the debt to credit bureaus, severely impacting my credit score.
Consumer complaint received 2024-05-13
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. (OR)

I just checked and reviewed again my XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-13
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. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I am writing to formally dispute the accuracy of information that NMAC has reported on my credit file. Under the provisions of 15 USC 1681, I have never provided written consent for NMAC to furnish my information to creditors or obtain my information from other sources.

Upon reviewing my credit report, I have noticed entries that suggest NMAC has collected and distributed my personal financial information without proper authorization. Specifically, Account Number XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, consumer reporting agencies like XXXX, XXXX, XXXX are required to obtain written consent from consumers before they can furnish or obtain information for credit reporting purposes. To the best of my knowledge, I have not provided such consent to XXXX, XXXX, XXXX or any affiliated entities. 

Therefore, I am formally requesting that XXXX, XXXX, XXXX investigate this matter and provide me with documentation that proves I gave written consent for the reporting and/or obtaining of my credit information. If XXXX, XXXX, XXXX is unable to provide such documentation, I request that the unauthorized entries be promptly removed from my credit report.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IN)

Hi, I have student loans from XXXX to the early XXXX 's. I made sporadic payments until I secured a XXXX XXXX XXXX in XXXX ( basis for public service ). Signed XXXX an income-driven rehabilitation agreement with the Dept. of Ed. I have letters referencing I am in rehabilitation. Had some tax refund offsets prior to the agreement but no other offsets after the agreement, or any notice of default. I paid every month until the pandemic. Signed up for PSLF and did not qualify as was told in default. I have been fighting this since XXXX. Numerous letters to the Dept of ED, showing all checks sent had cleared. Dept of Ed. records had little to no info until I showed checks. I have been through the default resolution group, and contacted the Commissioner of the Dept. Dept, President, Vice President, Senators, and Congressional reps. XXXX says reviewing it now and the loan is with Ed financial. I did not consolidate as told would start fresh 10-year PSLF ( I am XXXX years old ). I did not apply for Save plan as I qualify for PSLF. When payments restarted I sent to the Dept. of Ed as I have a valid agreement and can not afford the recalculated payment. I am upset. I am XXXX years old and owe XXXX I can never pay off. I paid as agreed and should qualify for PSLF. I have given tort claims notice to Dept of Ed. as I have found no other recourse. Thanks for your time. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I originally purchased the XXXX XXXX on XX/XX/2024 for {$6900.00}. In short order, I realized that I was lied to, it was a scam, and it was a pyramid scheme. I contacted them by phone to cancel and dispute the whole amount. XXXX accepted a partial refund of {$4900.00} on XX/XX/2024. That left me with an outstanding credit due of {$1900.00} which I disputed with Bank of America. I sent the bank all of the info they requested and explained the credit breakdown from XXXX. For the XXXX time, B of A has denied my dispute of the any monies paid. I've exhausted my efforts with XXXX and Bank of America Visa card ending in XXXX for the charge made. I have found all sorts of evidence online that the XXXX XXXX is a pyramid scheme designed to prey on people 's most precious assets which are their health and finances. I've made one last attempt to get Bank of America to make this right but I have little faith in them now. I am still due the credit of XXXX
Consumer complaint received 2024-05-13
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-22
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$2300.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$1000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$21000.00}
Consumer complaint received 2024-05-13
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. (NY)

I am writing to express my deep frustration and disappointment regarding the presence of fraudulent accounts on my credit report, as indicated by your bureau. These accounts are unequivocally fraudulent and has been acknowledged as such by the relevant company, which has taken steps to eliminate it from their records. Despite my repeated attempts to have these fraudulent accounts removed from my credit report, your bureau has failed to act. This failure is unacceptable and has had a detrimental effect on my credit score and overall financial standing. It is worth noting that other major credit bureaus, such as XXXX and XXXX, have promptly removed these fraudulent accounts from their records after confirming its fraudulent nature. Your bureau 's failure to do the same is deeply concerning and raises questions about your commitment to fair and accurate reporting. I insist that you immediately remove these fraudulent accounts from my credit report and provide written confirmation of its removal. Failure to do so will result in further action being taken against your bureau for negligence and misconduct. 

XXXX XXXX, XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (WA)

On XX/XX/XXXX, CashApp received requests for 16 transactions to a " chat.versailles '' -- a merchant unknown to me at the time. ( I have since discovered through internet search this is a well known fraudulent merchant. ) These transactions were authorized by CashApp despite the suspect nature of 15 transactions in the precise same amount, from the same unknown merchant being charged in just 30 minutes -- following an initial probing charge. This pattern follows classic account draining patterns and does not represent my usual spending habits.

I alerted CashApp to these fraudulent transactions shortly after they were authorized and prior to their settlement. I begged CashApp not to enable the theft of my funds, but CashApp refused to heed my timely warning or to escalate my case to their anti-fraud department. 

CashApp refused further communication until those transactions settled and my funds were successfully stolen by criminals. Upon successful theft, CashApp informed me that they'd only return the funds if I agreed to close the card... but that they would not send a replacement to me while I traveled abroad. 

I do not believe that CashApp ( actually, XXXX XXXX  ) meets their legal obligations as a fiduciary when, despite my pleading to stop an obvious attack they allow my funds to be stolen and then refuse to assist me with my victimization unless I agree to be stranded while traveling. 

I believe that CashApp is purposefully enabling thefts such as this to harvest fees on the fraudulent transactions.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I've been paying my vehicle monthly note as I have for years never behind but now since maturity date has passed and I chose to keep making my monthly payments as planned and because I didn't want to make a big lump sum payment XXXX XXXX XXXX reported my payment as 30 days late which dropped my experian credit score XXXX points which is unfair I want this false reporting resolved and my credit scores back where it was there's no way a company should have your score dropped because you do not agree to make a lump sum payment