davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

After reviewing my credit report, I found numerous inaccurate names, address, aliases, and addresses that do not belong to me. I want to ensure that you only retaining and reporting true, current, and accurate on my credit report per FCRA regulations and demand, as my lawful right, for names and addresses other than what is listed above and below to be removed immediately as it is not accurate and untrue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank you for your urgent response in this matter. 


Thank you,
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not begin made in error ; nor is my request to block begin made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer :
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (CA)

I purchased a new XXXX XXXX in XXXX. I have had this vehicle for six years and the vehicle is in my possession presently. The payments have been {$480.00} per month. I have experienced financial hardships on and off over the course of the loan and particularly during Covid pandemic. However, I have continued to adhere to agreements when the lender would give me time to make a payment. They would defer payments to the end of the loan. The statements that I received did not seem to be accurate or up to date and were confusing. Then I stopped receiving statements in approximately XX/XX/XXXX. As of XX/XX/XXXX a credit report shows that I only owe {$14000.00} I have continued to send payments of what I could and the last payment that I made was {$600.00} in XXXX. I have been unemployed since Covid in XXXX when I lost my job but I made payments on and off less then the actual payment amount which caused late fees. My daughter was helping me as much as she could. The lender seemed to charge off the account in XX/XX/XXXX which I don't understand because my account remained open and I was still sending payments as early as XX/XX/XXXX and continue to send payments. I had received several default notices between XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I continued to send payments during all this time at least between {$100.00} to {$600.00}. I have called XXXX XXXX many times to get help so I would not lose the vehicle because I really do not want to lose this vehicle which I have invested so many years in. I just did not get effective communication with customer service or to speak with anyone in authority and always having to explain everything over and over to customer service and would be told even though I was sending payments that the car could be repossessed at any time. This is a very stressful way to live and I have been making payments and I am just thankful that I still have my vehicle. I keep the vehicle insured and registered.
Consumer complaint received 2023-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

I dispute XXXX XXXX XXXXXXXX XXXX accounts set forth on the XXXX attached Debt Validation letters received in the mail XX/XX/2023. I need copies of the last 12 months of monthly statements for each of the XXXX accounts with the complete Credit Card Agreement with any XXXX provisions for each of the XXXX accounts with account numbers printed on each page of the credit card agreements so I can read the exact terms of any purported agreement. Kindly consider each of the XXXX accounts as disputed in their entirety.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MO)

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2024-04-04
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. (NJ)

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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2023-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Mohela Improperly Changed the Renewal Date of my Income Based Repayment Plan Despite previous complaints to my Senator, the CFPB, FSAID, and correspondence from Mohela acknowledging the correct renewal date of my Income Based Repayment plan, Mohela is still incorrectly and illegally changing my Income Based Repayment plan renewal date to XX/XX/XXXX See figure 1. 

The correct recertification date is XX/XX/, as acknowledged by Mohela in Mohelas response to my first CFPB complaint against Mohela ( CFPB Complaint XXXX XXXX  ). See the attached file titled Mohela - CFPB Response XXXX XXXX which contains correspondence from Mohela indicating the correct date of XXXX 

I have also attached the Memo referenced in my original complaint CFPB Complaint XXXX XXXXXXXX. The memo provides proof of the correct renewal deadlines in the form of official correspondence from the prior servicer ; information that Mohela should have and should be in their systems.
Consumer complaint received 2024-04-04
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. (GA)

Ive been in contact XXXX, Experian and XXXX in hopes of getting XXXX XXXX accounts removed from my credit report, these accounts belong to someone else that live in my household that has a similar name as well as similar phone number and the continue to say they have verified them as being mine and refuse to submit how and wh they verify the information with Ive just received a letter from XXXX where they are refusing to remove or even reinvestigate
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Date XXXX XXXX Balance XXXX I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice, XXXX XXXX
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: COMMERCE BANK (MO)

I provided the bank all certified docs including death cert., beneficiary deed, will, my personal identification docs, I then told them that regarding the XXXX. XXXX XXXX XXXX XXXX I am allowed to assume the mortgage from my deceased parent. They keep persisting that my only option is to refinance the mortgage into my own name. They also gave me until XX/XX/XXXX to pay the entire mortgage off of roughly {$32000.00}. I have called loss mitigation, I have physically went to the bank & I have sent numerous emails and the only respone I keep getting is to fill out an application to refinance it into my name & other than that, the bank is still waiting to hear back from their legal team to let me know anything. IT's been XXXX weeks now that they've been giving me the run around.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently reviewed my credit report and noticed several inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-03
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. (TX)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2024-04-04
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 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've never faltered in my commitment to timely payments. The impact of this error on my XXXX  well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2022-12-08
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (KY)

I am writing to formally lodge a complaint against Credit Karma due to their unjust and alarming actions that have plunged me into a state of financial turmoil. On XX/XX/XXXX and XX/XX/XXXX, I received unexpected emails from Credit Karma, notifying me that my account had been compromised and my spend and save account had been locked for supposed protection reasons, yet they failed to provide any further explanation. 

Since then, I have tirelessly attempted to contact Credit Karma 's member services for clarification and resolution. Despite reaching out over XXXX times, I have only received vague responses indicating that my account is under review, with no specific details provided. I was informed that a higher department might contact me via email, but I remain entirely uninformed about the status of my funds. 

Credit Karma has adamantly refused to disclose whether my money has been transferred to my external bank account, sent by mail, or if it has been processed at all. Furthermore, they have denied access to my bank statements and have neglected to provide any timeline for the resolution of this matter. This lack of transparency and communication concerning my financial assets is utterly unacceptable and has caused me immense distress and uncertainty. 

An amount exceeding {$3000.00} was withdrawn from my account, yet I have been treated as if I were the perpetrator. I have been abruptly disconnected from calls and instructed to wait for an email response. I possess recordings wherein the police were present, asking questions, only to be hung up on by Credit Karma representatives who failed to transfer the call to anyone else or to the authorities. 

This situation is intolerable, and I demand swift and transparent action from Credit Karma to rectify the damages inflicted upon me. Furthermore, the ramifications of their negligence have extended beyond mere financial strain. Due to the depletion of my funds, I found myself in a dire situation while out of town, unable to afford basic necessities such as shelter and transportation. This resulted in XXXX XXXX XXXX being called due to my inability to provide a gallon of milk for my child and our consequent need to sleep on the street. As a result, XXXX expressed concern about my child 's welfare and threatened to intervene. This added layer of distress and potential jeopardy to my family is entirely attributable to Credit Karma 's mishandling of my financial affairs.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I tried to contact all 3 credit bureaus on XX/XX/2020 to resolve inaccurate accounts on my credit report. As of today I have not received any response back from them.
Consumer complaint received 2024-04-04
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. (NY)

This problem has been going on for more than XXXX days and i am still suffering i did everything they ask. It was supposed to be removed in XXXX days hiw much more time do the need COMPLAINT ID XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the XXXX days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MD)

In accordance with the Fair Credit Reporting Act. These creditors, XXXX XXXX XXXX, XXXX XXXX XXXX, Midland Credit Management, has violated my rights under the 15 USC 1681 section 602 states I have the 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 USCS 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.