davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MT)

I am writing to express my deep frustration and confusion regarding the handling of my recent dispute by your bureau. Despite my repeated attempts to address a specific account on my credit report, XXXX XXXX XXXX Date opened XX/XX/2019 Balance : {$0.00}, there has been a noticeable lack of compliance with the law compared to other credit bureaus. I want to bring to your attention that both XXXX and XXXX have already acknowledged the presence of an error in their records and promptly removed this account. I find it perplexing that your bureau has verified this account, especially when other major credit bureaus have taken corrective action. This lack of alignment with industry standards and legal requirements is causing me considerable annoyance and inconvenience. I expected a consistent and accurate representation of my credit information across all major bureaus, and the deviation from this expectation is both surprising and frustrating. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-12-19
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-19
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)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

On XX/XX/year>, I made a scheduled payment of {$500.00} to be allocated to my Direct Unsubsidized Loan, set to execute on XX/XX/year>. On XX/XX/year>, I made another scheduled payment of {$570.00} for the same purpose, scheduled for execution on XX/XX/year>. 

Withdrawal transactions occurred from my bank account on XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>, with amounts of {$500.00} and {$570.00} respectively, both labeled as " DEPT EDUCATION STUDENT LN. '' On XX/XX/year>, I contacted my loan servicer regarding my Direct Unsubsidized Loan and its status. I was informed that my payments had been received but not allocated to my Direct Unsubsidized Loan. I did not receive a clear answer regarding the whereabouts of my funds or the actions being taken by the loan servicer, but I did receive confirmation that they have my money. 

During the phone call, I was suggested to write and upload a letter to 'Accounting ' to specify my combined allocation of {$1000.00}. However, I had already specified the allocation of funds when I made the original payment schedule. Additionally, there is no section on the Loan Servicer 's website to upload this document. At that moment I also requested assistance from the representative to find the upload section on the Loan Servicer 's website to submit the necessary letter to 'Accounting '. However, the representative admitted that they do not know where it is located and were unable to assist me further.

The representative offered assistance by submitting a 'request ' for fund allocation on my behalf. They stated that it would take 37 business days for the correction to be made if the request is accepted. The representative also mentioned that interest would continue to accrue during that period until the correction is made. Despite my payments being received, the loan servicer will allow interest to continue accruing on my Direct Unsubsidized Loan, even though the funds necessary to pay it off have been received and confirmed by them. 

The duration of my call with the representative lasted 2 hours and 1 minute.

TL ; DR : Made two scheduled payments totaling {$1000.00} for my Direct Unsubsidized Loan. Payments were withdrawn from my bank account but not allocated to my loan. Loan servicer confirmed receiving payments but couldn't explain the issue. Was suggested to write a letter to 'Accounting ' but couldn't find the upload section on their website. Representative couldn't help find the section either. Offered a 37-day correction period for fund allocation, with interest accruing during that time. Despite having my money, loan servicer wants to continue charging interest, which is unreasonable. Call lasted 2 hours and 1 minute.
Consumer complaint received 2023-12-19
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-23
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX, Account # XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

It is inconceivable that, in the face of irrefutable proof of fraudulent activity, your bureau continues to deny the removal of these accounts. I find it absolutely unacceptable that I should suffer the consequences of identity theft or erroneous reporting when I have diligently followed the proper procedures to rectify this situation. I was the victim & Im not sure why the FCRA is not complying with the law. This is not how victims should be treated. I am asking for justice and yet, it seems you do not give any attention and ignored our complaint. 
XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX -- PLEASE DELETE!!!! 
I demand an immediate and thorough investigation into why these fraudulent accounts persist on my credit report, as well as an explanation for the repeated denials to remove them. It is your duty as a credit reporting agency to ensure the accuracy of the information you provide, and the presence of these fraudulent accounts contradicts the principles of fairness and accountability. 
I insist that you take prompt and decisive action to rectify this gross oversight. The burden of proof rests squarely on your shoulders, and I expect your agency to act in accordance with the Fair Credit Reporting Act ( FCRA ) to promptly correct this damaging error. The continued presence of these fraudulent accounts is not only damaging my credit score but also causing undue stress and hardship.
Consumer complaint received 2023-12-19
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. (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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you kindly verify the documents? Several of the mentioned accounts contain inaccuracies in their reporting, such as incorrect amounts and dates.
Consumer complaint received 2023-12-20
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. (IN)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-12-19
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. (WI)

I have been asking the credit bureaus to reinvestigate a bankruptcy that is reporting on my credit report. They replied to me stating that the bankruptcy has been verified. I have contacted the United States Bankruptcy XXXX XXXX XXXX of Wisconsin and they have advised that they do not report bankruptcy info to the credit bureaus. Furthermore, the credit bureaus advised me that they verified my bankruptcy with XXXX XXXX, but I have documentation and have sent them documentation showing that XXXX XXXX was unable to verify the accuracy of the bankruptcy and that they have deleted it from their database. How are they verifying this bankruptcy and it's accuracy? I demand that the credit bureaus show me the proof that they allege they have for the reinvestigation. This has caused me financial hardship and emotional distress as I have been attempting and trying to get this matter rectified.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 2023-09-18
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: EQUIFAX, INC. (FL)

Please delete these unauthorized inquiries off my credit report. I dont understand how these got on my report. This is unacceptable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-10
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. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting 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 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (NY)

XXXX, XXXX, and Equifax have failed to provide documentation to proof the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX belong to me. I have disputed these accounts directly with all 3 credit bureaus for over 12 months. Further, all of the account numbers at all 3 companies are not verifiable, high balances reported can not be corroborated because I have not received any reply correspondence from these companies!
Consumer complaint received 2023-12-19
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. (WA)

XXXX is saying that I had opened an account and had made charges to this account. I have never opened an account with them and they have failed to provide any documentation that I have done so. I have filed several fraud cases with them and the credit report agencies with no resolve. They state that I had a {$200.00} credit limit and owe {$340.00}.
Consumer complaint received 2023-12-23
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: Yamaha Motor Finance Corporation USA (MS)

Recently reviewed my credit report and I did not authorize this company to check my credit. I have a hard inquiry that is causing my score to lower. ( Yamaha Motor Finance CO ) XX/XX/2022 is inquiry date. I have already filed a report with the FTC report.
Consumer complaint received 2023-03-24
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)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX  XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ate Filed/Reported : XX/XX/XXXX Reference # : XXXX