davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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. (CA)

On XX/XX/2023 I filed a complaint with Experian about an account that says I was a joint owner and it is charged off. The complaint number is XXXX. On XX/XX/2023 I received a email from Experian saying that were not going to remove the account because it was certified. I never received any certification. 

And then on XX/XX/2023 they responded to the Consumer Finance Protection Bureau that they were still investigating. They are clearly not taking me seriously and I am planning to escalate this as high as I need to. I am submitting proof that Experian says they are closing my dispute on their end but just stalling for time with my other complaint until it runs out of time. I feel like am being treated unfairly about my dispute because I am a woman.
Consumer complaint received 2023-11-09
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 have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-11-09
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-11-09
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: Maximus Federal Services, Inc. (CA)

As that darned commercial promised, I did get a hold of my credit report, and let me tell you, I'm beyond fed up with the glaring inaccuracies I found. It's maddening, to say the least, because I'm a responsible, on-the-dot payer, and I'm not about to let these blunders tarnish my reputation. I'm not in the mood for this nonsense, and I expect you to set things straight, pronto! I'm not here to exchange pleasantries ; I need you to roll up your sleeves and fix this mess pronto, just like your commercials lead me to believe you would. My patience is wearing thin, and I won't stand for these inaccuracies any longer. DEPT OF ED/AIDVANTAGE XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I am in repayment of my Federal Student Loans. My loan processor is MOHELA. They sent me a bill that showed an incorrect amount due in XXXX of XXXX. I advised them on XX/XX/2023 via web message on their web site of their error and explained that under SAVE payment plan my bill amount should be less as I my spouse repays her Federal student loans under SAVE plan as well. MOHELA acknowledged their error and promised to correct it. In XX/XX/2023 they, nonetheless, sent me another bill showing the same incorrect amount. I sent another web message on XX/XX/2023 to them asking them to correct the amount due. MOHELA ignored my message and as of today, XX/XX/2023, have not responded to my request at all.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (IA)

I normally pay and monitor my account online. The last 2 months I have been unable to log on and it has been incredibly difficult to navigate their customer service system to get a live person to help me, when all I'm trying to do is pay my bill and check my balance. Last month they had to force a log in, in order for me to log in and it worked, but I was unable to log in a second time or since then. this month I have tried to reach someone to help me with this issue but keep getting routed to bots that are unhelpful. this issue has created an undue burden against me that has made it harder to make my payment on time, affecting my credit score.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Describe what happened I Just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payments is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Consumer complaint received 2023-11-09
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. (IL)

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. 


XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, 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 an 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. 

These inaccuracies are stopping me from obtaining a reasonable car payment and purchasing a home for my family.
Consumer complaint received 2018-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (FL)

Two XXXX XXXX XXXX accounts appeared in my name that I never knew about the same time I made a fraud report and sent them to the company, even after a year they still bother me because they sell the account to a and another collection company and I do not know what to do, I sent several disputes with the relevant documents and nothing is resolved
Consumer complaint received 2023-11-09
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. (NC)

This company has gotten a response from the data furnisher that is not valid. They are using this response to keep fraudulant and innacurate accounts on my credit report. they have also ignored arbitration letters. These accounts were disputed every XXXX  days for over the past XXXX, FTC and police reports have been mailed to this company. The fraudulant and innacurate account ( s ) were removed from each bureau except this comany. They refuse to provide explanation as they say they do not disclose this information. this is a violation of the FCRA as i have the legal right to know every detail about my personal information. I am asking these accounts be removed once again and one final time or I will seek compensation for each violation done by your company for failing to remove these accounts listed below. 

XXXX XXXX XXXX last XXXX SSN : XXXX Birthdate : XX/XX/XXXX  account : XXXX XXXX  account number : XXXX account : XXXX XXXX account number : XXXX
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

This information is incorrect : XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

National Credit Card Cos.
XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bull City Financial Solutions, Inc (NC)

Date of transaction : XX/XX/XXXX Bull City Financial contacted me via phone call about a hospital bill. They asked me to set up payments or to pay in full. I told them I could not afford to pay the bill in full & asked them if they could accept a discounted settlement of {$2500.00} paid in full. The representative told me she would have to send the request up to her manager. I was worried about this being reported on my credit & advised the rep as such. The rep told me that my account would be placed on hold, would not be reported to any credit bureau agency, & that they would notify me of their decision. I consistently check my credit score & found that Bull City did report me to the credit bureaus. I never received a phone call, email, or letter regarding my request for settlement. When I contacted Bull City on XX/XX/XXXX, the rep confirmed that I had not, in fact, been contacted by Bull City. This seriously impacted my credit score, which was over XXXX, and has jeopardize my business & a real estate transaction in progress. I spoke to a rep who told me that it would take weeks for my credit to be cleared of this action. I want this to be cleared immediately, an apology & an explanation, in writing, of why I was not contacted. I also want them to accept a fair settlement amount & refund me the difference. I would also like written proof that this medical bill belongs to me, an itemized statement of the charges, and proof that no part of the original bill was written off by the original debtor ( as the original debtor has no record of me owing them for this account ).
Consumer complaint received 2023-11-09
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)

According to the Fair Credit Reporting Act 15 U.S. Code 1681 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 U.S.Code 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX ), is a financial institution by definition under that title. 15 U.S.Code 1681 604 ( a ) ( 2 ) states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ), the financial institution, and the Consumer reporting agencies Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, XXXX, or XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 U.S.Code 6802 ( b ) ( c ) states, that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX, Never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S.Code 1681c 605 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) of this section, 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. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states, " 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. 15 U.S. Code 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I hope this message finds you well. I'm currently facing a significant issue with your credit reporting agency. There is a XXXX XXXX account on my Experian report that has been listed incorrectly as " charged off '' for years, while the same account is being reported correctly on my XXXX report as " paid as agreed '' ( I have attached a screenshot of my XXXX report for reference ). 

I've made numerous attempts ( over 10 disputes ) to dispute this account with both your agency and XXXX XXXX, but no action has been taken. This discrepancy is preventing me from securing housing, despite having a job with a six-figure income. I am currently homeless due to this account 's presence on my XXXX report. 

Could you please consider adjusting this XXXX XXXX account to the proper status of paid or remove it from my Experian report? As you can see in the attached screenshot, the account has been paid as agreed. Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2018-11-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Homes By Hunt LLC (LA)

Please See Attachments Based on my experience, I am requesting that an investigation reveals the routine, daily practices of Performance Mortgage ( Corporate NMLS # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I'm confident that the ratio between " non -white '' loan applications and " non-white '' loan approvals are very low. In contrast, I'm sure that the ratio between " white '' loan applications and " white '' loan approvals are very high. If this is true, then what happened to me makes sense. I'm hoping to uncover a routine practice within this firm that discourages, or overburdens " non-white '' applicants until they give up from exhaustion, or take their business elsewhere. 

Hopefully you agree that the mortgage loan officer has the power to share or withhold pertinent information that could make or break a deal. Communication documented in the 10 digital XXXX threads prove, that the mortgage officer was the only reason that a lender did not approve me for a loan. Note : Performance Mortgage and I, have access to the digital e-mail threads. Please provide an e-mail address so I can forward this information to the CFPB employee that will be handling this case. 

Thank You XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (MN)

I applied for income-driven repayment XX/XX/23. I received confirmation from my loan servicer ( XXXX at the time ) that my application went through. I was subsequently transitioned to Mohela for my loan servicer to have my loans placed on the REPAYE and then SAVE plan once it became opperational. I just now found out that only XXXX of my XXXX student loans were actually transitioned to the XXXX plan. The other XXXX loans have continued to accumulate interest ( {$3700.00} ) when they otherwise wouldn't have on the XXXX plan and I now received a bill for a large sum of money that I can not pay with my current income.
Consumer complaint received 2023-11-09
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. (SC)

Subject : Urgent Follow-Up on Request for Removal of Fraudulent Accounts To Whom It May Concern, I am writing to express my deep concern regarding the unresolved matter of two fraudulent accounts that I previously brought to your attention. Despite my initial request and submission of an Identity Theft Report, along with a filed police report, there has been no action taken to remove the fraudulent accounts from my credit report. I am providing a detailed statement to bring this matter to your immediate attention. 

Account Details : XXXX Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$390.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$3400.00} Previous Correspondence : On XXXX, I submitted a formal request to have the aforementioned fraudulent accounts removed from my credit report due to identity theft. This request was accompanied by an Identity Theft Report filed with the Federal Trade Commission ( FTC ) and a police report submitted to [ Law Enforcement Agency ]. However, despite the seriousness of the matter and the supporting documentation provided, no action has been taken to rectify the situation.
Consumer complaint received 2023-11-09
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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. (TN)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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: MOHELA (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.