davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

About 3 weeks, I reported fraud to Experian and explained that my identity was stolen and that I have no knowledge of the credit card creditors listed on my credit report. I also explained that I had made an official report of my identity being stolen through the CFPB. Experian never followed up with me regarding one of the decisions they made to keep one of those credit card creditors, named XXXX Bank XXXX on my report. It wasn't until I checked my credit that I saw Experian 's comment of completing the investigation - in support of the creditor that I have no knowledge of. Experian did not properly investigate because they made a decision in only about two weeks to keep the unknown creditor on my report -even after I informed them that my identity was stolen and that I had reported my identity stolen. If they had properly investigated, they would have found that I have never lived at the addresses listed on the creditors files, I have never signed anything authorizing credit, and that my name is misspelled and listed incorrectly. My name have been listed fraudulently on creditors file as XXXX or XXXX. I also reported to Experian that I have no knowledge of the following creditors and that they are fraudulent activities because my identity had been stolen -and could have been do so through breaches of Experian and XXXX ; and that I have officially reported my identity stolen through CFCP Identity Theft 's reporting. Those creditors listed that do not belong to me, as I have never applied for them are : XXXX Bank XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  I would like for these to be removed immediately, as I do not have knowledge of them, they do not belong to me, and my identity was stolen. Also, I have disputed XXXX as being listed twice on my credit file. I would like the one that I have disputed removed from my credit file.
Consumer complaint received 2023-04-13
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. (AE)

In accordance with the fair credit reporting act, this creditor, XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose. I was never late on these accounts and they are inaccurate on the months that I was allegedly late. The bureaus have inaccuracies and contradict themselves during the years of XXXX and XXXX.
Consumer complaint received 2024-02-10
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. (CA)

Forensic Evidence 100 % false wrongful reporting by equifax see attached Intentionally reducing credit scores by huge amounts so it increases consumers interest we pay on credit cards. 

I conducted a forensic evidence test to intentionally catch equifax. 

See evidence attached XX/XX/2024 XXXX debts my score was XXXX. XX/XX/2024 I intentionally charged {$2200.00} credit. 

XX/XX/2024 XXXX XXXX points score ..... 


XX/XX/2024 I intentionally payed {$2300.00} returned ..... 

XX/XX/2024 XXXX XXXX points score XXXX ... ... my balance XXXX {$0.00} with XXXX credit score ... ..my Credit balance XXXX {$0.00} XXXX credit score ... ...... 

equifax has been officially caught damaging my credit by XXXX points for no cause. this forensic evidence test was designed specifically targeting to catch their fraudulent reporting in realtime with factual evidence ... ... .. Federal agencies are being notified ... ... Equifax was caught strategically forcing my credit score down to intentionally move my score down to force higher interest rates by creditors.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In XXXX of XXXX XXXX XXXX XXXX falsely reported information affecting my credit score. They lied about payments and have been harassing me for payments when in my original contract it states I don't owe anyone anything after breaching. I've currently been extorted for {$700.00}, and they have stolen my car with my child 's car seat and her medication. They have also sent lawyers to intimidate me and got my court case canceled through false representation.
Consumer complaint received 2024-01-15
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. (NV)

Subject : Formal Complaint against Experian for Failure to Follow Federal Law on Dispute Process Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their failure to adhere to the federal law on the dispute process. On XX/XX/, I sent a certified letter ( XXXX XXXX : XXXX ) to Experian, including a copy of my ID and a utility bill as requested for the dispute investigation. 

Despite providing substantial evidence to verify my identity, Experian has not conducted the necessary investigation, as mandated by federal law. This lack of adherence to regulatory requirements is deeply concerning and has caused significant inconvenience on my part. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate actions against Experian for their non-compliance with federal regulations. 

Thank you for your prompt attention to this matter. 

XXXX XXXX
Consumer complaint received 2024-01-13
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. (MD)

First, I would like to comment on your application process. There does not appear to be a subject that I am complaining about?? 

My complaint is with Experion. They send me emails every other week to tell me my credit score has gone down or up. When I open the email, I find out the score goes up or down by XXXX point with marketing messages. I believe that they use a XXXX point change in credits scores to market additional services or products?? Is XXXX point something that really needs my attention as a consumer????
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX Dear Experian, I am reaching out to address an issue and seek clarity regarding the accessibility of my credit report. As per the guidelines set out in the Fair Credit Reporting Act ( FCRA ), I am aware that credit reporting agencies are required to furnish consumers with their credit reports upon request. 

After requesting my credit report from XXXX, I received the information promptly. However, when I made a similar request to Experian, I faced obstacles in obtaining my credit report. This situation has left me perplexed and worried, as I firmly believe that all credit reporting agencies are bound to comply with federal laws pertaining to consumer rights and fair credit practices. 

I kindly ask that you look into my case and provide an explanation for why my credit report has not been made available to me, as mandated by the FCRA. Furthermore, I would be grateful if you could clarify any specific reasons or procedures that may be impacting my ability to access this information through Experian.

Accurate and current credit information is important to me, and I believe that transparency on this matter is vital for consumers like myself. Your prompt attention to this issue is highly appreciated.

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (TX)

I have not received any written communication about the debt. I receive texts from the original establishment telling me about a balance and I believe the dates are incorrect. Also, they have not labeled it medical debt after several attempts to when it clearly states that it from a hospital.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

The company has multiple social security numbers on my profile. I don't know how long has the other social security numbers been on my profile because I've been trying to better my credit for months. I believe there is fraud involved maybe even human trafficking because there is no reason for another social security number to be on my file. I asked them if I can make a dispute and the agent told me I can not and if I do it will lower my credit score. I never heard that excuse before so it's hard for me to trust the company. It seems like they want to rush me off the phone when I was asking for more information. I told them multiple time that the social security number that I see on the website is not mine the agent kept telling me its an error. I don't know how long the error has been there and I believe its been affecting my credit profile negatively.
Consumer complaint received 2024-03-25
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. (MN)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2016-02-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Solidus Group LLC. (IL)

I was called on XX/XX/2016 by a gentleman who left a very aggressive voice mail threatening litigation if they could not reach me. They did not leave any company name or case number. On XX/XX/2016 the same company contacted my son XXXX XXXX, who lives out of state, looking for me and threatening court action. The name of the company is XXXX XXXX at XXXX. Since I do n't owe anyone any money, and all of my debt was discharged years ago, I googled the number. From the on-line comments this appears to be a very aggressive scam operation. They will not provide any information on debt owed or their company and instead demand personal information including SSN. I have blocked them but am afraid other people may unwittingly be scammed.
Consumer complaint received 2023-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I have worked for the XXXX XXXX XXXXXXXX  for over XXXX  years I have submitted the required payment to my servicer Mohels a total of 5 times and my student loans have not been discard as the rules state inn the presidents plan for loan forgiveness I don't understand if they have the required information have reviewed it and on their website they state I have stop working for my employer on XX/XX/2023 and I presently still with the XXXX XXXX XXXXXXXX  going on my XXXX year.
Consumer complaint received 2024-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association (WA)

Hello, I reported for several months to HomeLoanServ their system was rejecting my payments from different banks. They did not resolve and after XXXX rejected payments, my online payment abilities shut down. With the regularly rejected payments, I lost track, and it turns I was missing a payment. As soon as I learned this, I sought to make it good, calling them to pay. I could not pay. They had shut it down due to payments being rejected. 

They just reported my mortgage payment as late today when I would have paid it if it were not for system errors and them shutting down my payment ability. 

I called them twice yesterday and confirmed payment would be turned on today and also asked that my calling be recorded so this would not go as a late payment.
Consumer complaint received 2024-02-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DataMax Corporation (NC)

I spoke with the original owner of the debt twice and DataMax twice regarding the discrepancies with my healthcare bill details and my request for proof of debt/validation from XXXX of 2023. My request for an itemized invoice for cost breakdown were denied. My request for assistance with payment options and/or reduced fees due to low income were denied. Nothing was emailed/faxed/mailed after this request, in XX/XX/2023, despite multiple attempts and assertion of my correct address and contact details. DataMax did not return my most recent voicemail from XX/XX/2023. I spoke with XXXX from DataMax on XXXX, and was told there is no record of my requests. I was told I dont have any recourse regarding my credit report now that the bill has been reported, only to pay the bill. After contacting XXXX XXXX XXXX, they stated my only recourse was written appeal request. When asked why this was appearing on my credit report against the Fair Credit Reporting Act, XXXX XXXX XXXX stated they had never heard of this law. Now the debt has appeared on my credit report, dropping it by XXXX points, as my first and only collection.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Both XXXX and Experian show my bankruptcy accounts with 30, 60, and 90 day delinquencies/past due accounts. This is false information. The credit companies are not reporting this, but they are reflecting in on my report as such. Status shows as never late but in my overall report it shows I have at least 8 accounts that are currently delinquent/past due. This is inaccurate reporting and is causing me to not be able to get home owner 's insurance, a new mortgage loan, etc - even though my credit score is not poor.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry, I request proof that you confirmed that the creditor had a permissible purpose. I am giving you 10 Days to investigate this matter and determine whether it is still accurate, valid, and in compliance. If you can not provide proof that the information is accurate, compliant, or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a newly updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete, and timely reported. If not, please delete it immediately.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Choice Assets LLC. (PA)

On ( XX/XX/2024 ) I sent an Identity theft letter to ( XXXX XXXX XXXX, XXXX, FIRST CHOICEXXXX XXXX ). I have not received a response nor has ( ( XXXX XXXX XXXXXXXX, XXXX, FIRST CHOICE/XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XXXX XXXX and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( ( XXXX  XXXX XXXX, XXXX, FIRST CHOICEXXXX XXXX ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I went to Chase ATM deposited a rent check from tenant to my personal checking with Chase. The rent payment check was drawing from local bank ( XXXX XXXX XXXX  ). The ATM did not give consumer the option to accept or decline the deposit with a hold but next option. It went through with a hold caused my funds got delayed for 2 days. I went inside to talk to the local branch manager and he told me I have to call the ATM customer service since it's was deposited at the ATM. I was on the phone with ATM customer service for 1/2 hour and I was told they couldn't help me due to it's still in pending status. They told me to call back the next day so they can evaluate my situation before the hold can be released. This is lack of clarity and accessibility to our funds at the ATM. They should have the option to give the customer if there is any hold on the deposit so we can make decision.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I got a text saying if you do not recognize this charge callXXXX then they claimed the us marshalls would look into my accounts that appear to be fraudulent then I hung up they asked if my name and address was - it was correct
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U DRIVE ACCEPTANCE CORPORATION (PA)

The issues I have is with udrive now acceptance. I had a car loan with them that was paid off in XXXXXXXX XXXX XXXX. On my report they never changed the status to closed. I disputed it for incorrect status. Now the account is removed from my credit history all together taking my score down XXXX points. When it shouldve just been corrected to as closed. And not showing open with a balance of {$310.00} dollars like they had it.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Recently when trying to access my annual free credit report from TransUnion, I was locked from accessing my account online. After calling customer service I was able to log in and request my annual credit report, but upon receiving my credit report it was just one page and the whole report was suppressed. After calling and talking to numerous customer service agents I was told I will have to write a letter asking for my report to be unsuppressed along with proof of ID. So I wrote a letter and sent it along with two forms of ID.

Two weeks later I got the same credit report that was suppressed. 

Called again and was told my account was unlocked but when I go in to check online it still says I don't have a credit report.
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I received written notification of an alleged debt in XXXX of 2020, and requested a validation of the debt. The company failed to provide the requested validation. 

It has now been over 120 days since my request for validation of the debt.