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 status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX were managed by XXXX. Those loans were paid and transferred to XXXX. Now, both XXXX loans and XXXX loans are listed on my credit reports. I disputed the inaccuracies with Experian twice and the company continues to list XXXX as open. I also included copies of the paid off account statement from XXXX 's website to Experian. 

It appears to creditors that I have {$360000.00} in student loan debt when I only have {$180000.00}.
Consumer complaint received 2024-03-16
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. (NV)

Need info to show that your violations of the FDCPA will cease immediately Your assigned Debt rules and regulations for the state of Nevada Proof of purchase Proof of contract Privacy Notice Balance, payments, interest rates and payment history with an accounting ledger that shows everything has been documented according to FDCPA.

Proper service Full account disclosure of alleged debt Chain of custody How you verified this debt?

You refuse to remove this fraud from my account. I have provided all documentation to show this is fraud These accounts don't belong to me and I have no knowledge of these. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX 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. 
Different variations of my name and addresses I don't have any knowledge of.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

I am no longer an authorized user for this account and I am asking to have account removed from credit reports. XXXX XXXX. I have sent in numerous complaints along with attached documents that I am no longer an authorized user and account is closed however tradeline remains on credit report.
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After reviewing my credit report I sent a letter requesting TransUnion to review my accounts and sent me a written description of results. TransUnion replied with accounts verified and or updated. I called TransUnion on the phone and discussed how nothing was resolved and they filed another dispute for me over the phone. The results were the same, verified or updated with nothing changed on my credit report and NO written description as requested on how the accounts were verified. According to 15 USC 1681i7 TransUnion has violated my rights on XXXX separate accusations now. I would like these accounts removed under the Fair Credit Protection Laws. 
XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Please have these accounts removed off my credit report.
Consumer complaint received 2024-03-16
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 have student loans being serviced by MOHELA. I have been paying my loans down every month for many years, even when a payment wasn't due, always on the first of the month, in order to minimize the compounding interest. When I attempted to do so on XXXX XXXX, I was met with a message saying my account was still in transition to a new website. I checked back daily, only to receive the same message. I filed a complaint with the Federal Student Aid website, to which I have never received any response. 

When I was finally able to access my account on the new website roughly a week later, I found that my interest had not been paused. While this was frustrating, and I intended to try and address it, I tried to pay it off, just to slow the accrual. I found that the link to do so wasn't working, so I was unable to pay. The cycle started again, when I logged in every day to try and pay, and was unable to do so. I tried messaging them through their website, and received no response. 

I was finally able to get through to their customer service line on XX/XX/XXXX. When I explained the issue to the customer service agent, she informed me that MOHELA was aware of the issue, and that payment had been down for everyone for over a week, and would likely be down for at least another week while they tried to repair it. I asked if my interest was being compounded during this period. She stated that it was. I asked if those of us affected by their system 's issues would be refunded our interest, given that the fault was not on us. She stated that we would not.
Consumer complaint received 2023-07-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Experian is having the CFPB XXXX a valid Dispute as duplicated when this form of dispute has never been done. by law this company is required to uphold the FCRA Section 609 which they have obviously failed to do on their end, they mark it as duplicated, but have not shown one ounce of evidence how it is duplicated, they are throwing all of my disputes in the garbage, which is highly offensive, Experian claims they know the laws, but they have not shown XXXX iota of interest in abiding by them, I am resubmitting this dispute again with XXXX, XXXX, at XXXX. Under Section 609 of the Fair Credit Reporting Act, Experian is constantly refusing to send me any and all records I have a right to see, just so they can continue to violate the FCRA. They provided me with no evidence it is valid debt, they have not provided me with any explanation as to why they have not submitted any documents within the 30 day time frame as stated in the fcra, the only thing they continue to say is ' we have a right not respond to your requests " .. that's not how the bureaus are supposed to be doing business. I Have a federal Right to Dispute inaccurate information, and have it removed from my credit report. And Experian is interfering with that.
Consumer complaint received 2023-04-11
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. (FL)

Today makes Day 61 under FCRA LAW EXPERIAN is required to remove accounts being Reported inaccurately immediately its been over 30 Days its been 2 and half months Experian is reporting inaccurate information on my credit Report i notified Experian over 6 months ago multiple times and Experian is still reporting the 2 inaccurate accounts on my credit report : Name : XXXX XXXX  XXXX  Account number : XXXX Name : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

XXXX and XXXX has both done an investigation and Deleted the two inaccurate accounts above off of my credit report but Experian is still the only Credit Bureau that is reporting the accounts inaccurate. Its is an violations under the FCRA to report inaccurate information on an person credit report and I demand that Experian Delete the Two accounts immediately off of my credit report ( Name : XXXX XXXX XXXX Account number : XXXX Name : XXXX XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

Im fed up and Im on my last leg i will sue Experian if they dont removed the two inaccurate accounts off of my account immediately.

Thanks
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I never gave permissible purpose to pull my consumer report these inquiries are fraudulent and need to be block immediately.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to file a formal complaint regarding an account reported by XXXX XXXX XXXX XXXX on my credit report. This account is a result of a credit file mix-up and does not belong to me. Despite multiple disputes, the account continues to be verified or updated on my credit report, rather than being deleted. 

I have thoroughly investigated this matter and have determined that the account actually belongs to a family member, not myself. I have received a letter from XXXX XXXX XXXX XXXX requesting the deletion of this account from my credit report, confirming that it was reported in error. 

I am deeply concerned about the impact this reporting has had on my credit standing and financial well-being. Despite my efforts to resolve this issue through the dispute process, the account remains on my credit report, which is unfair and unjust. 

Therefore, I am requesting the following actions : Immediate deletion of the account from my credit report by XXXX XXXX XXXX XXXX. 
A thorough investigation by the Consumer Financial Protection Bureau into the handling of this dispute by XXXX XXXX XXXX XXXX and the credit reporting agencies involved. 
Any necessary remedial actions to rectify the harm caused by the erroneous reporting of this account. 
I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to resolve this dispute in a fair and timely manner.
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. (TX)

Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning Experian 's, XXXX 's, and XXXX 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, Experian, XXXX, and XXXX have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Consumer reporting agencies, including Experian, XXXX, and XXXX , are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, Experian is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer. 

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy. 

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions. 

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct Experian, XXXX, and XXXX to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-12-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I received an Amex gift card from work and it says it is accepted at all merchants where Amex is accepted but I can not get it to work anywhere. I have tried XXXX, XXXX and XXXX. A search of this issue shows that I am not alone as many people are having trouble using the same card. Amex does not seem to have a resolution.
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-16
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. (NC)

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the Written permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! OR LOOK FORWARD TO LEGAL MATTERS!!!
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$1100.00} XX/XX/year> XXXX XXXX XXXX XXXX {$11000.00} XX/XX/year> XXXX BANK NA XXXX {$7600.00} XX/XX/year> XXXX XXXX XXXX XXXX {$190.00} XX/XX/year> WRONG SOCIAL SECURITY XXXX I AM ITIN NO SS 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Under previous complaints with CFPB where a complaint was submitted regarding the accounting of this loan # XXXX, the mortgage company failed to provide me with options for loss mitigation. I was only notified XX/XX/2023 by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX that SPS notified them that foreclosure proceedings had commenced and my coverage would be cancelled XX/XX/2023. I did not receive a written notification at the property address of XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX from SPS, Inc of foreclosure proceedings nor did I receive loss mitigation options. I contacted SPS, Inc XX/XX/2023 and spoke with a representative regarding one loss mitigation option ( repayment plan ) that was sent electronically through SPS portal and subsequently submitted an appeal due to not receiving the one option. I requested an application to see if I can do a modification and I was advised by SPS, Inc that no other options were available to me.
Consumer complaint received 2023-03-13
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of america added suspected fraud activity on my XXXX and Checking Account Fraud on XXXX XXXXThese reports are false. I agree that Bank of America can close my account for any reason. However, Bank of America is not a court of law or a law enforcement agency, and the court has not entered a judgment against me. Therefore, Bank of America had no right to add these legal judgments to my report that were not based on procedural justice. The only negative report Bank of America had on my credit report caused my investment account to be closed. Over {$60000.00} worth of call options could not be sold. I have suffered a significant financial loss. Bank of America has not compensated me for the money and time I spent on my previous dispute with Bank of America, including attorney 's fees and appeal costs. Bank of America must remove their negative reporting of me on XXXX and XXXX XXXX and compensate me accordingly.
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX, XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$88.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.