davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - Account Number : XXXX
Consumer complaint received 2024-03-19
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX
Consumer complaint received 2024-03-19
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. (OK)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-03-19
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-03-19
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Brokers Inc. (CO)

I have been fighting with a collection agency over debt from XX/XX/XXXX. The statute of limitations has been reached, twice, and they are filing another court case against me. 
The original case was filed in XX/XX/XXXXand they weren't able to collect the debt then, and now my wages are set to be garnished. I didn't even know they were going to do this. I have not had any communication with them since I last spoke with their lawyer and informed him that the file dates were beyond the statute of limitations. Now the court docket does not have any lawyer information on it, only the company that is suing me for debt that was charged off over 11 years ago. 

Collection agency : Account Brokers of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , CO XXXX
Consumer complaint received 2018-08-10
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: EQUIFAX, INC. (AL)

Request credit reporting agencies to verify/validate items by disclosure of documents and method for accounts being placed to my credit - according to 611 ( a ) ( 7 ), 609 ( a ) ( 1 ) ( A ) & 611a ( 1 ) ( A ). These steps are required by them to ensure it is correct prior to placement to my file or delete the unverified accounts after 30 days of investigation per 611 ( a ) ( 5 ) ( A ), ( first letter dated XX/XX/18, 2nd letter sent XX/XX/18 ). Response ( s ) have been no response, updated, meet FCRA, and account closed, but still remain on my file without any documentation being provided as to the validation of any of the accounts being there. I have been requested by the CRA to provide information to them, ( assuming to verify/validate ) under 1681 ( a ) ( 3 ) it is the vital responsibility of the CRA to ensure the information is correct by the providing source, as they have attempted to place it back on me. One has stated it requires an extension after the initial request date was XX/XX/18, the extension date is until XX/XX/2018, which is longer than the 15 day permitted timeline, I received this update notice XX/XX/2018. No addition information was provided by me during the initial 30 days ( XX/XX/18 - XX/XX/18 ) to warrant an extension according to 611- ( a ) ( 1 ) ( B and C ) this is required, another violation.

I have response documentation, the certified dated documented delivery receipt ( s ) and copies of letter ( s ) mailed, I am unable to upload, but can supply them upon request by fax, or mail.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I've contacted Experian several times regarding the numerous inaccuracies on my consumer report, as previously discussed with your office. There are multiple discrepancies in names that don't match my driver 's license. Kindly remove this erroneous data promptly. Attached documentation, including my driver 's license, validates my claim. Thank you for your prompt attention.
Consumer complaint received 2018-08-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Cash Time Title Loans, Inc. (AZ)

I took out a title loan in XX/XX/2017 and didn't make a payment due to loss of my job as well as getting XXXX XXXX  XXXX which landed me in XXXX for 12 days on XXXX XXXX. I recently got my truck repossessed which I understand but they are trying to say I owe them XXXX to receive my vehicle. I am willing to pay them via my parents who now know but didn't previously. My mother said she can pay like {$300.00} a month but not everything all at once.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

On XXXX/XXXXXXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating I was declined credit. for foreclosure repossession collection action or judgement. I dont have foreclosure repossession collection action or judgement on my credit. But I never authorize for this company to run my credit. I have a security freeze on my credit. In XX/XX/2021 I was notify of fraudulent unemployment claim from my job, that someone applied for unemployment I filed a police report bcuz I was working and never applied police report number Is XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CT)

On Monday, XX/XX/XXXX at XXXX, I attempted to call Mohela regarding a concern with my upcoming " return to payment '' status on my loans. I had previously asked Mohela, multiple times, to provide me a calculation on the number of payments made to my existing loans as I feel that they qualify for forgiveness under the XXXX XXXX plan. During prior conversations, they have been unable to provide this Most recently, Mohela replied to my written request on their website advising me to call again to discuss this and indicating that they now have experts who can answer this question. Upon calling on XX/XX/XXXX, I was presented with a voice recording indicating that the wait time to speak with someone was in excess of one hour, due to the " unprecedented scenario of multiple loans being forgiven at once. '' I was given the option of a callback within this time frame and waited. A call was NEVER received that day ( nor the next ). I even submitted a message on the Mohela site asking for someone to call me per the promise they made when i entered my callback number. No call. Each time I have tried to call since, wait times have been an hour or more. Like most Americans, I work during the day. I can't take an hour of XXXX time from work to call Mohela. The excuse on the voice recording does not seem to align with reality. I suspect Mohela is just not staffing their call center appropriately as there never seems to be a time when the wait is less than an hour. I need answers. I'm back in repayment and my student loans, which I took out in the mid XXXX, were broken apart into 4 separate loans when brought over to Mohela. 2 have already been forgiven but the remaining 2 have not been. When I called about this late last year, the rep speculated that the dollar amount on the remaining 2 was what prevented them from qualifying for forgiveness but MOHELA was the reason these were broken apart! Why am I being punished because my servicer decided to divide my loan into several smaller ones without my consent? And I don't even have official word as to whether this is the reason why these last 2 haven't been forgiven because I can't speak with anyone at Mohela. I am at my wits end and really need help in getting answers from this servicer.
Consumer complaint received 2024-03-19
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)

They are violating my privacy per title 34 part 99 I never gave them written consent to put this information on my report.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education.

The Act serves two primary purposes : It gives parents or eligible students more control over their educational records, and It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).

An eligible student is one who has reached age 18 or attends a school beyond the high school level.

Subpart DMay an Educational Agency or Institution Disclose Personally Identifiable Information From Education Records?

99.30 Under what conditions is prior consent required to disclose information?

( a ) The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31.

( b ) The written consent must : ( 1 ) Specify the records that may be disclosed ; ( 2 ) State the purpose of the disclosure; and ( 3 ) Identify the party or class of parties to whom the disclosure may be made.

( c ) When a disclosure is made under paragraph ( a ) of this section : ( 1 ) If a parent or eligible student so requests, the educational agency or institution shall provide him or her with a copy of the records disclosed; and ( 2 ) If the parent of a student who is not an eligible student so requests, the agency or institution shall provide the student with a copy of the records disclosed.

( d ) Signed and dated written consent under this part may include a record and signature in electronic form that ( 1 ) Identifies and authenticates a particular person as the source of the electronic consent ; and
Consumer complaint received 2024-03-19
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. (CA)

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 2024-03-19
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: Experian Information Solutions Inc. (NY)

I am sending this complaint to address a concerning issue regarding late payments reported on my credit report. Upon careful review of my credit report, I have discovered discrepancies in the reported late payments and am seeking your assistance in promptly correcting or removing these inaccuracies. 

Regarding the account with XXXX XXXX XXXX XXXXXXXX ), I wish to clarify that this account has never been late. The reported late payment is erroneous, as all payments were made on time. Data Furnisher said they were going to update it to open/never late. Please fix ASAP. 

Similarly, concerning the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account, I want to emphasize that this account has never experienced late payments. The reported late payment is inaccurate, as payments were consistently made on time. I kindly request that the late payment markings be updated to accurately reflect my payment history, and the bank said they were going to update it to open/never late. Please update ASAP. 

Recognizing the importance of maintaining accurate credit information, I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation validating my claim and providing evidence of the incorrect reporting. With your expertise, I am confident that we can rectify these discrepancies efficiently. 

I kindly request that you initiate an investigation into this matter and promptly inform me of the results. If the late payments are found to be accurate, I request an explanation of the findings. However, if they are determined to be inaccurately reported, I request immediate correction or removal from my credit report.
Consumer complaint received 2024-03-19
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 bureaus must 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-12
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Upon inquiry into my credit report I noticed that Capital One credit card reported a late payment in XX/XX/2018. I disputed this error with both XXXX and Capital One. XXXX made the dispute and contacted Capital One, Cap One would not change the late payment and I subsequently contacted them and they wrote back saying that they do not agree and that the late payment stands. 
I was never 30 days or more in paying late to Cap One, from the due date. They claim that I paid {$20.00} in XX/XX/2018 instead of the minimum of {$25.00}. My statement in XXXX shows not 1 but 2 payments, 1 on XX/XX/XXXX for {$25.00} and another on XX/XX/XXXX for {$40.00}. My XXXX statement reflects a payment on XX/XX/XXXX for {$20.00} and a " past due fee adjustment '' of {$35.00} on XX/XX/XXXX. I was also charged a past due fee on XX/XX/XXXX for {$25.00}. I paid {$80.00} on XX/XX/2018. 
Since consumers are protected under fair lending if they pay within 30 days of their due date, they should not receive a harsh penalty of late payment reflected on their credit report for paying less than their minimum due. In this case I was not late more than 30 days from the due date and I paid more than the minimum due. My credit standing should be changed and not marked as late for XX/XX/2018.
Consumer complaint received 2017-09-19
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: SYNCHRONY FINANCIAL (FL)

I was a victim of identity theft when XXXX issued a credit card in my name which was fraudulently acquired. XXXX discovered the error and contacted me. On XXXX XXXX, XXXX the credit bureaus were notified and credit monitoring put in place. While monitoring my account, XXXX notified me on XXXX/XXXX/XXXX that persons unknown to me had attempted to open up an account with Synchrony Bank, XXXX  XXXX, XXXX CREDIT ACCOUNT. 

They advised me to immediately notify Synchrony Bank 's fraud alert team which I did. 
I spoke with XXXX who gave me a reference number of # XXXX for further inquiries. 
I was also notified on that day that the fraudulent request for credited been denied and that an investigation had begun and that I would be notified by mail within 30 days. On XXXX/XXXX/XXXX they sent out a letter denying me credit after doing another hard inquiry which was also fraudulently initiated. 
I responded to them that they should not have been sending me a letter denying me credit because they had already been informed 4 days earlier of fraudulent activity attempted on my credit and that there was credit monitoring in place. After being given this information they in turn did another hard inquiry, I believe, in a greedy effort to open up as many credit cards as possible. 
I also asked them to remove these hard inquiries from my credit report because they were made as a result of fraud. The credit bureau had informed me that the company making the inquiry had to remove it. That has not been done. Neither has Synchrony Bank responded to my certified letter that I sent them on XXXX XXXX, XXXX asking them to rectify this matter. They made the error, especially after being notified of the situation on XXXX/XXXX/XXXX. Their response was to turn around and do another hard inquiry in hopes opening up new credit debt for me. 
All I want them to do is remove these hard inquiries from my credit report because I do n't want false information on my report that can affect my future credit needs and opportunities for up to three years. Thank you