davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (GA)

I submitted on-line dispute twice to all three credit bureaus ; XXXX, XXXX and XXXX to have them to update my student loans in the amount of {$97000.00} as paid in full and that the account has been closed. Pay off date which is listed in the letter is XX/XX/XXXX. Mohela which is a Department of Education Servicer sent two letters to me to notify me and stated that they have contacted and sent this information to all three credit agencies. When I received the update from XXXX and XXXX nothing has change on the credit file ; the amount of {$97000.00} is still outstanding, which effects my credit debt ratio and the account is still open. 

Mohela has been contacted again and stated they will try again and reassured me this information regarding pay off is still listed on their website However, I have retain personal copies of both letters. I tried a third time by submitting the same information in writing along with copies of the letters from Mohela only to receive the same results. 

For the third time I submitted the same information in writing to all three agencies, along with copies of the both letters from Mohela, only to receive the same updated information as of XX/XX/XXXX that the amount of {$97000.00} is still outstanding and the account is open and not closed. I gave both XXXX and XXXX a call and spoke with a representative. Both stated that they did not receive any information from me or Mohela and that this information will remain until paid in full and even after being paid in full the information will remain on my credit file for the next 10 years.
Consumer complaint received 2023-05-19
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have written and called Experian numerous times. This account, XXXX XXXX XXXX, is not mine. I have never had a credit card with XXXX XXXX with the account number XXXX. This account also has the exact same balance as another account on my report. 

Neither Experian nor XXXX XXXX has provided me proof that I have opened this account, balance/ payment history, or any proof whatsoever that it belongs to me. 

Experian is showing that I had a credit card, account # XXXX, balance {$10000.00}. This is incorrect and needs to be removed. This negative information is causing me a significant amount of damage to my reputation and credit score.
Consumer complaint received 2023-05-19
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-05-19
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have new inquiries that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22
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. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-03-04
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: M. G. Credit, Inc. (IN)

I did not give you consent to contact me or to give derogatory remarks on my credit report. I am not liable for this debt. My debt is not with MG CREDIT. My debt is with the original company. I did not give you consent to contact me! You are in violation of my consumer protection rights. I did not sign and legal form with MG CREDIT to attempt to collect a debt from me. 

15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) I did not give you permission to contact me in any way shape or form.

I demand that you take all derogatory marks off all three credit reports or I will be forced to file legal action.

Delete these accounts from my all 3 bureaus of my credit report immediately. And cease all communication via any forms of communication immediately. Also, all future attempts to collect this debt must stop.

I dont have a written contract with your company to collect this debt and you have violated my rights for years.

Please cease and desist all calls and contact with me, immediately!

I DEMAND YOU STOP CONTACTING ME AND TAKE ALL DEROGATORY MARKS OFF ALL 3 CREDIT BUREAUS IMMEDIATELY!
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

You report inaccurate debt information to my credit file. Please stop. Per terms of the contract there was a surplus of escrow funds for a year. The escrow was canceled XX/XX/2022 prior to purchase and XX/XX/2022 after purchase. But u continued to illegally hold escrow money and breach the contract by not refunding that amount to me. U are a thief and criminal. XXXX breached and then published inaccurate info on my credit file like its not illegal. It is illegal. It is in dispute. I beg u to stop reporting fake info on my credit file. The payment per month was NEVER with escrow. Please stop. No escrow payment is {$2100.00} not {$2700.00}. U stole that money from me for a year.
Consumer complaint received 2023-03-03
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights under 15 USC 1681, Section 602 states I have rights to privacy.

15 USC 1681 Section 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b states, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have a fraudulent account which is showing on my credit report. I have never applied for XXXX XXXX and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with XXXX XXXX but no result. Because of that I'm submitting a complaint to you to help me for removing XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4300.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00}. Those two accounts are fraud. 

Thank you.
Consumer complaint received 2023-05-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The contract states that if a big payment is made it will be applied. You did not do this and breached the contract. U did apply it all as a payment to reduce principal per contract terms but then stole over {$20000.00} and falsely made it look like there were payments made into XXXX. U r in breach. Ur theft of the money does not make those payments an accurate report on my credit file. Your theft and later ur inaccurate credit reporting is just more evidence of your breach and criminal theft. That money needed to be applied as 1 payment to reduce principal and u failed to do that. It is an inaccurate report on my credit file.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (FL)

My name is XXXX XXXX, Account # : XXXX I have been a member of NFCU for 3 years now, and I have accumulated {$1000.00} 's of dollars in various fees including ( {$29.00} ) " returned check fees '' " insufficent fund fees '' over the years. Last month was the last straw. I accumulated 3 in the same month from companies being allowed to charge my account somehow when I'm in a negative balance. I am being taken advantage of by NFCU and there's nothing I can do about it. I have called the company on multiple occasions to not let any charges through if I don't have the money in my account to cover it. I have asked multiple times for refunds on these charges, never happens. They are crooks and stealing my money, as I am going through financial hardships, causing me to go deeper and deeper into a hole I can not recover from. This is causing me emotional damage and extreme stress leading to health issues, I demand ALL of these illegal fees ( not just the insufficient funds and returned check fees, ALL of them ) be credited back to me immediately!
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I confirm that the presence of inaccurately documented late payment remarks on my accounts constitutes a violation of the regulations outlined in 15 USC 1666. All payments associated with these accounts have been promptly submitted, and any deviation from this accurate reporting is unjust and illegal.
Consumer complaint received 2023-05-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (TX)

XXXX XXXX and M & T Bank, in collaboration, has provided false inaccurate fraudulent mortgage accounts activities, under my identity that is unlawful and untrue. 
These mortgage entities have claimed that the property located at XXXX XXXX XXXX in XXXX Texas XXXX, was used as collateral on the property located at XXXX XXXX XXXX in XXXX Texas XXXX. 
This is incorrect and not true. 
The property located at XXXX XXXX XXXX XXXX Texas XXXX, was purchased in XXXX and the loan servicer was XXXX XXXX 
XXXX XXXX  purchased the loan from XXXX XXXX  on XX/XX/XXXX in XXXX of XXXX a loan was established under my identity in the amount of {$80000.00} under the XXXX XXXX XXXX services. The collateral property proclaimed to be on XXXX XXXX was used to secure a property in XXXX. 
This is fraudulently without my knowledge or authorizing M & T. Bank claims entitlements that are inaccurate and not identifiable by the XXXX XXXX XXXX XXXX. 
The property on XXXX XXXX was not used in XXXX to secure a loan in XXXX. 
This is absurd and the original documents to the properties involved held by the veterans loan guarantee program do not reflect these allegations.
Consumer complaint received 2024-03-22
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (OR)

I opened an account with BMO Harris bank 3 years ago that was advertised as being an online account with no requirement for physical presence in a state where a branch is located. The bank has taken many thousands of dollars in deposits from me via XXXX. I recently requested an ATM card for the account and BMO Harris subsequently revoked all access to the account by me- I am unable to check balances, deposit, withdraw, or transfer funds. When I called the bank I was told that this was done because I requested an ATM card, and that to restore my access I will need to submit a notarized affidavit to them. This process, the costs, and the triggers for it had never been disclosed to me before this event. The bank is now refusing to answer any of my questions until the affidavit is received.
Consumer complaint received 2023-12-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

EXPERIAN Is showing an open account balance own XXXX dollars on my credit. When other credit bureau show no information, balance XXXX  account information. XXXX Doesnt show any information on my credit. 
XXXX Also doesnt show any information on my credit.
Consumer complaint received 2018-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

I have proof that Navient has victimized me and most likely others. Please see attached as proof. I was able to print screen what they are trying to do to me and others. If they do this to all of, their clients thinking a client will miss such a small difference, they are raking in millions of dollars. While I was on the call questioning them raising my payment/forbearance without my consent, miraculously put me on hold and kicked me out of the system. Too bad for them I already had screen shot everything. Please see attached. This is egregious behavior. Talked to Navient and requested info on XX/XX/18 at XXXX XXXX  for 40 minutes 20 secs. To find out why my due date was pushed back a month without authorization from me, and asked why my payment increased. They answered that company policy is that they are giving an extra month of forbearance as a courtesy without authorization. I interrupted and said I didnt request another forbearance. Rudely representative stated sir, you are not listening, I just told you this was a courtesy. I explained by doing that, they increased my interest and increased my payment {$9.00} a month as well as my balance. Requested information in writing on why they increased my payment. I was told I will receive by XX/XX/XXXX and dont make payment until then. I asked what is my actual payment right now. Representative stated new higher payment. I have screen shots in two different sections of my account summary as proof. Questioned them, put me on hold, then all of a sudden information disappeared. Fortunately I screen shot before.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have attempted multiple times to dispute hard inquiries on my credit report from experian and XXXX and they refuse to remove them. They claim that they are accurate and I have disputed that they did not have my authorization.