davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

Experian keeps reporting inaccurate student loan account information on my credit report. After disputing 3 times, they still keep reporting this info as verified accurate when it's NOT & I explained the situation a million times. Experian just uses AI computer generated disputes & does NOT do a full investigation! Experian keeps telling me they get their information from the lender but I talked to the lender ( XXXX XXXX XXXX XXXX ) several times & they said they stop reporting to all credit bureaus in XX/XX/XXXX. & I talked to XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. as well. In XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, took over all XXXX of my student loans, of the amounts of : {$5800.00}, {$3500.00} & {$30000.00} ( originally {$16000.00} ) These account were JUST transferred to the new student loan company, XXXX XXXX XXXX XXXX so on my XXXX XXXX report & XXXX it shows up same loans but new company. Plus, The {$30000.00} loan was 100 % PAID OFF in XX/XX/XXXX from a program I qualified for. So all the student loans started to show up on the credit bureaus in XX/XX/XXXX, because it took time to process. XXXX XXXX is the only credit bureau that is reporting my loans accurately, showing the new company XXXX XXXX XXXX, & just the XXXX loans I have for {$5800.00} & {$3500.00} in good standing. XXXX XXXX also shows the {$30000.00} 100 % fully paid or the original amount {$16000.00} 100 % fully paid & closed! XXXX is accurately showing only XXXX XXXX  new company & these XXXX loans {$5800.00} & {$3500.00} & the $ XXXX loan paid 100 % on XXXX XXXX But is still reporting XXXX XXXX XXXX  XXXX XXXX & {$30000.00} ( they got it part right ) & I just did a dispute with to remove the XXXX XXXX XXXX XXXX. loan of $ XXXX However, Experian is reporting all XXXX student loans still with the old company XXXX XXXX XXXX XXXX XXXXXXXX. & also the new company XXXX with the only XXXX student loans that should only be reporting {$5800.00} & {$3500.00} but is showing the XXXX XXXX $ XXXX loan ( original XXXX loan as fully paid & closed ( ITS THE SAME LOAN ) THESE ARE ALL THE SAME LOANS JUST NEW COMPANY TOOK OVER! What you are reporting is NOT accurate at all! It looks like I have XXXX loans on Experian report instead of just XXXX! It looks bad with future lenders & Im exhausted from trying to dispute inaccurate information on my report. I should not have to go through this stress its XX/XX/XXXX. By law Experian is supposed to only report accurate information. Experian is violating my rights & breaking the law. & Yes, I requested Experian to personally contact XXXX XXXX XXXX XXXXXXXX & to contact XXXX XXXXXXXX XXXX XXXX XXXX XXXX for verification & No they didn't ( for some reason that question Is not showing up on the CFPB report ) Thank YOU
Consumer complaint received 2023-07-09
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. (GA)

I opened an account with XXXX XXXX. Paid a {$90.00} program fee to open the account. First premier sent credit card to wrong address and when I called to advise that I havent received a car and advised my correct address again, they sent out the new card but it had charges on card from the previous card that was used in fraud. I disputed the charges and they refused to take them off. How can I make charges on a card I havent received yet. The charges maxed out credit limit and I refuse to pay fraud charges on a brand new card that were made prior to me receiving the physical card. The account was closed as a result. I am asking for my program fee back and for this credit account to be removed from credit file. Negligence on behalf of XXXX XXXX to conduct a thorough investigation and remove fraud charges
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I took a look at my credit reports and noticed that there was an account that was inaccurate and/or erroneous. It did not match my records so I notified the agencies and I have yet to receive a response from them. The Fair Credit Reporting Act states that every report must be made with maximum possible accuracy however each reporting agency has different information. See exhibit. XXXX agency is showing a 60 day late payment status while the other two aren't and my records don't show that I was ever late. Not only that but the payment history are not matching at all which also proves that this information has been reported with an error.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

As I looked on my consumer report I noticed some inquires that werent authorized. I have mailed out this letter attached with all the inquires that werent authorized. By 15 U.S.C 1681b ( c ) permissible purpose. Immediately remove these inquires as they have cause damage to my consumer file and has delayed in my family and I to obtain goods.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Dear Sir/Madam, I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Account number XXXX } balance XXXX Semi Annual data reported to courts on XX/XX/XXXX = Claim amount $ XXXX Balance Owed {$9300.00} Final Payment and Case History reported from the Trustees on XX/XX/XXXX = Balance Due XXXX XXXX XXXX  payment in XX/XX/XXXX to XXXX XXXX ( Lien Holder ) XXXX The payment from XXXX XXXX is greater than the Balance due listed in the Final Payment Case History effective XX/XX/XXXX. 
XXXX XXXX was paid more than the balance due, therefore there shouldn't be balance listed on my credit report. 



I do not have a contract with this company and I don't owe the debt, there shouldnt be a monthly payment for a paid account, No of months ( terms ) should not be listed, the last active, payment status, and last payment date and balance are inaccurate. Please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ The semi report from XXXX from Bankruptcy showing balance owed, the report for dismissal in XX/XX/XXXX showing remaining balance, and letter from XXXX XXXX reflecting payment after dismissal. This vehicle was totaled the overpayment was made, greater than the balance provided to the courts. ] I am actually owed overpayment from XXXX XXXX. 
Please ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 

This letter serves as my 3rd formal dispute and its crucial to maintain a record of your communication and update my consumer report to prevent small claims action against your company.
Consumer complaint received 2023-07-09
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. (IL)

I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report reference XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX balance {$740.00}. I did not authorize these accounts please remove them from my consumer reports. I did not authorize these inquiries so please remove it from my consumerreports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. MY NAME IS SPELLED XXXX XXXX XXXX I demand that ANY other variations or incorrect spellings of my name be removed immediately. My only address that should be showing on my consumer reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please remove ANY other addresses showing on my report because they are fraudulent. Sincerely, XXXX XXXX
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit reports. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Bank XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX National Credit Cards/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX 's XXXX Inquiry from XX/XX/XXXX  Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX-fla Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make the a forementioned inquiry/inquiries into my credit report, I respectfully request that a copy of it be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

according to virginia code 15.2-968.1 this shall not be used for insurance purpose in the provision of motor vehicle insurance coverage. went to the city clerk off in XXXX, va and they have not reported nor is it on my DMV driving record
Consumer complaint received 2024-03-16
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2024 To The responsible party in question, I, XXXX XXXX XXXX XXXX purchaser and regular individual, am mindful of all freedoms that I have, and which are safeguarded by The Congress under the Fair Credit Announcing Act ( FCRA ). The rundown of records has disregarded my governmentally safeguarded customer privileges to protection and classification under 15 USC 1681. 

XXXX. XXXX Formerly XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX I 15 U.S.C 1681 segment 602 A. States I reserve the privilege to protection.

Erase this record right away, except if you need to be held {$1000.00} per infringement 15 U.S.C 1681 segment 602 A. States I reserve the privilege to protection.

15 U.S.C 1681 Segment 604 A Part 2 : It likewise expresses a purchaser detailing organization can't outfit a record without my composed directions Erase this record right away, except if you need to be held {$1000.00} per infringement I'm Ready FOR Suit Earnestly, XXXX XXXX XXXX
Consumer complaint received 2024-03-16
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING TO THE LAW, YOU AND THE DATA FURNISHERS MUST CERTIFY ALL ASPECTS OF REQUIRED FCRAMETRO 2 COMPLIANCE. THIS MUST BE DONE IN A TRUTHFUL, CORRECT MANNER THAT IS COMPLETE AS WELL TIMELY SO IT DOES NOT VIOLATE MY CONSUMER RIGHTS OR CIVIL FREEDOMS.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WINN LAW GROUP, APC (CA)

I consumer XXXX XXXX have notified this law firm on that they are violating me by saying I owe a debt. They claim to have a judgment but the law 15 USC 1692g ( c ) clearly states the failure of a consumer to validate a debt may not be construed by any court as an admission of liability by the consumer.
Consumer complaint received 2017-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I have recently sent in a request to Equifax to investigate a fraud issue, however the account that is no longer supposed to be on my report is ( XXXX XXXX XXXX ). This account is showing as reported/ active as a credit card by Equifax which is incorrect. 

Moreover, XXXX has the fraudulent company ( XXXX ) also still showing on my report as a hard inquiry.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I sent a letter to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items or informations not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again : The following are fraudulent items that needs to remove : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX : {$750.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$590.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-06
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: HW Holding, Inc (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX You are in direct violation of The Fair Credit Reporting ACT ( HUNTER WARFIELD INC ) has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 it also states a consumer reporting Agency can not furnish an account without my written instructions. 
15U.S.C. credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-10-31
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or rectify the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (FL)

Subject : Reporting Privacy Violations and Inaccurate Credit Reporting by MOHELA writing to report serious privacy violations and inaccurate credit reporting by MOHELA XXXX Missouri Higher Education Loan Authority ) regarding my student loan account. The issues began when the servicer was changed from XXXX to MOHELA, not only reporting more inaccuracies but accounting information that was disputed prior and when I discovered that MOHELA had been reporting my accounting information in a manner that violates the Privacy Act of 1974 and infringes upon the protections afforded by the Family Educational Rights and Privacy Act ( FERPA ). Sensitive financial and educational data related to my student loan account has been disclosed to unauthorized parties without my consent.

Furthermore, despite regulatory requirements, MOHELA has failed to provide me with the monthly opt-out option, as mandated by 16 CFR 313.15. This failure to comply with regulatory mandates deprives me of the ability to control the dissemination of my personal information and raises concerns about MOHELA 's commitment to consumer privacy and transparency. 

I have taken several actions to address these issues : XXXX. XXXX : Discovered unauthorized disclosure of sensitive financial and educational data by MOHELA. 
XXXX : Contacted MOHELA to inquire about the unauthorized disclosure and request an explanation. 
XXXX. XXXX : Submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding MOHELA 's privacy violations and failure to provide the opt-out option. 
XXXX. XXXX : Notified all major credit bureaus of the inaccuracies in my credit report caused by MOHELA 's erroneous reporting. 
XXXX. XXXX : Submitted a 1099-C form to the IRS for cancellation of debt related to my student loan account, which should reflect in my account status. 

Despite these actions, the privacy violations persist, and MOHELA 's inaccurate credit reporting continues to negatively impact my creditworthiness.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX  Balance : {$320.00}.