davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have requested my name and addresses to be fix over 4 times with the credit bureau Equifax and XXXX. I have disputed by mail and Ive disputed by mail in writing I have one Name XXXX XXXX XXXX and one address XXXX XXXX XXXX XXXX Fl XXXX They have not removed all other names listed on my report And have not remove addresses I dont live at On Equifax XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX On XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl These address my Son resides at not me. 
They have names that I dont use in my credit report as well. This is a problem!
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

My loans are serviced with MOHELA. 

I have needed to submit 3 requests to have the SAVE plan on my account. My income is ~ {$93000.00}.

My first application put me on the PAYE plan instead of SAVE, so I had to submit it a second time. 

For my second application, I just received a notice that the monthly payments will be > {$2000.00} a month on that plan. That number is absolutely incorrect based on Mohela 's estimator, my self-reported income, and the Federal Student Aid estimations. 

I resent a THIRD one today through studentaid.gov with proof of my income. I need to get my payments working due to PSLF eligibility and they keep giving different numbers every time I request the SAVE plan despite my income being the same each time- it's unbelievable.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (GA)

On Thursday, XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX XXXX. They checked my credit and provided a pre-approval. On Friday, XX/XX/XXXX around XXXX, I received the first solicitation phone call from a local mortgage broker stating that they saw that I was searching for a mortgage and would I like to apply with them. After determining the reason for the call, I told the representative that I wasnt interested and to remove me from their call list. No less than a minute a later, I received the second call from a different lender. Since XX/XX/XXXX, I have received almost 100 calls from lenders across the country. Besides being annoying, these incessant calls have completely disrupted my life. Calling from the time I awake until well past dinner time, the calls have interrupted my life including time with my family, a wedding reception, church and other moments that shouldnt be interrupted by someone whos trying to sell me something. Please provide advice on how to rectify this issue. I cant get my time back but Id like something to happen.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

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 2023-10-10
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. (GA)

Experian verified a BANKRUPTCY on my credit report under an inaccurate court name. Experian has the court name listed inaccurately as US BKPT CT GA XXXX but the actual name of the court is UNITED STATES BANKRUPTCY COURT XXXX XXXX  OF GEORGIA. This places experian in violation of 15 USC 1681 ( b ) ACCURACY OF REPORT.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Report act, Experian credit Bureau, has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
This credit bureau refuse to correct my personal information on my credit report.
Consumer complaint received 2023-10-10
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. (PA)

XXXX XXXX XXXX Dear CFPB-Please see attached files For months/ years I have submitted complaints to XXXXExperian regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Experian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the item " XXXX XXXX XXXX '' listed in the attached documents to be removed immediately. I look forward to your response.
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one closed my accounts on XX/XX/XXXX without any prior notification or communication. I paid my accounts on XX/XX/XXXX but unknown to me the accounts were already being closed. I called capital one on XX/XX/XXXX and this is when they informed me that my accounts are closed due to excessive misuse of the card. To my knowledge, my payments were always scheduled, sometimes in advance, to cover majority of my balance. I asked if they sent any communication on this closure and I was informed they sent a letter out on XX/XX/XXXX which means it wouldnt have been received for another few days or so. The lack of communication is going to result in damaged credit on my behalf due to these accounts being my longest standing accounts. I have no communication from capital one to be able to attach to this inquiry because I have not received any.
Consumer complaint received 2023-04-08
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. (MD)

I have identified items on my Experian credit report that is a result of identity theft. I filed an identity theft report identifying the information that is a result of identity theft. I have attached the identity theft report, appropriate proof of identity and proof of my address.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XXXX A savings account had {$7000.00} along with {$3000.00} USD in the same account holder 's name withdrawn via ACH to a different bank ( XXXX XXXX : A phone call from Wells Fargo was received on XX/XX/23 to recommend that the account holder check the account for suspicious activity. The account holder did not release any consent or personal information because the call started off with the account holder 's account numbers and name. 
The account holder notified the bank via phone after the incident on the same day for suspicious and repeated phone calls from the bank and confirmed that the call was a scam. A dispute was submitted during the phone call on XX/XX/23, and in person, filed a complaint regarding non-transparency of fraudulent acknowledgment and accountability of the processes by the bank regarding notification of information breach. On XX/XX/23, a complaint was filed with the local police authorities. On XX/XX/23 a letter of denial for reimbursement was received by the accountholder stating the recipient refused to refund the transfer
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I asked Experian Credit Bureau to remove 3 accounts that were opened fraudulently and are now close. this accounts even though they are now close still hurt my reputation as a consumer since they are reporting negative information on my credit file. 

The accounts are as follow. 

XXXX XXXX XXXX, XXXX Closed XXXX XXXX XXXX XXXX. XXXX Closed XXXX XXXX XXXX.  XXXX Closed I asked experian to block this accounts on the basis of FCRA section 605B which states " a consumer reporting agency shall block the reporting of any information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency. I have enclose XXXX XXXX XXXX Police Fraud Case Report - XXXX to prove that a fraud case is on file. 

XXXX Consumer Solutions has remove this accounts from my credit file why is Experian refusing to follow Federal Law?
Consumer complaint received 2023-10-10
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. (PA)

XXXX XXXX XXXX Dear CFPB-Please see attached files For months/ years I have submitted complaints to Transunion/XXXX  regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXXExperian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the item " XXXX XXXX XXXX '' listed in the attached documents to be removed immediately. I look forward to your response.
Consumer complaint received 2023-09-21
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. (MI)

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 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 Has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 reporting agency.

15 USC 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 accurate.
Consumer complaint received 2024-05-28
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (MD)

I contacted XXXX when I was unable to make payments in XXXXXXXX XXXX XXXXXXXX due to COVID job loss again during that time. I was sent several contacts, who kept changing, during the year long process to fill out the loss mitigation paperwork, which I did and returned. During this entire time I was in the loss mitigation process I continued to call throughout XXXX, and into XXXX and was told that it was in underwriting and that they were either short-staffed and/or backed up but not to worry and I would receive paperwork once complete. Fast forward almost a year later and I FINALLY received partial claim papers in XX/XX/XXXX and signed and returned by the XX/XX/XXXX date requested ( paperwork attached ). It is now XX/XX/XXXX and I checked my credit reports. XXXX updated my XXXX and XXXX reports to reflect current, but have not removed all of the late payments reporting while in loss mitigation on both reports. In addition, they are STILL wrongfully reporting my mortgage for XXXX as delinquent and listed as " foreclosure processing started '' ( please see proof attached ). I have called BSI many times, filed a previous complaint through CFPB and XXXX holding my end of the bargain and making monthly payments for both XXXX and XXXX per the partial claim contract COVID XXXX Recovery Standalone Partial Claim Contract. This is unacceptable. On XX/XX/XXXX I called and spoke with " XXXX '' in the Loss Mitigation department and she stated that she would put in for an update to my credit report because during the loss mitigation process it should not have been reporting delinquent payments. I waited the XXXX days for the update ( which she stated to do ) and they are STILL reporting the lates during loss mitigation on XXXX and XXXX, and updated the month of XXXX as foreclosure proceedings started and with late payments for XXXX with XXXX. The fact that they CAN NOT follow the law and fix this is hurting my ability to sustain and maintain everyday needs being that everyone checks credit. Please step in and MAKE them follow the law and update my credit report correctly.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC. (AR)

To whom it may concern, I am going through bankruptsy, and going through a divorce. I noticed that a {$55000.00} check was put into XXXX account ; I went straight to the bank and let them know that this was not me. So they looked at it and said yes lets go ahead and close the account. But first did I want to call the police, I said no at that point. So I opened up a new account and put my paycheck in and waited over the weekend to see the deposit. I opened up the app and saw on my new account that not only did my check go through but now I was being charged for deposits that were paid through XXXX and then transferd to XXXX XXXX and paid out again, I was now being charged for that as well. Clearly a mistake on their part. I went back to the bank and they said yes we see where there was a mistake, it would take a few days and I would see my money back into my account. Well a week went by and then another and everytime they say yes theres an error. Today XX/XX/year> said no it was deposited in my account and then removed, clearly not removed. Now I'm about to be denied my bankruptsy and lose everything I've worked my life to keep! Please help me. I have ALL documents and need help asap the court hearing is coming up and I've been paying on bankruptsy for months now. I needed that money to pay my taxes but the bank did what with my money? Please help I'm very desperate!
Consumer complaint received 2023-01-04
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (TX)

I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( XXXX {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I would like to dispute XXXX accounts I have listed that appear on my credit report that are too old and show a date of last payment as XX/XX/year>. 
The Law states the Date of First Delinquency is the date that triggers the XXXX year period for an account to be removed from a credit report. 
Therefore, the Date of Last Payment showing XX/XX/year> clearly proves that the XXXX accounts listed below should be removed immediately because they are too old to be reporting after the XXXX  year period in accordance with the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, in advance I am officially requesting a Description of the Procedures used to verify either one of these accounts that are cerified/ updated and are not deleted. I would need the names, addresse ( s ) and telephone numbers of the person ( s ) that you spoke with. I make this request in accordance.with FCRA 15 USC 1681/ FCRA 611. 

XXXX XXXX XXXX.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HGREG.com (FL)

I submitted a previous complaint XXXX and the company falsely closed the case saying that they reached out to me and sent me a copy of this complaint to the CFPB. Complete and total lie. They never emailed me, called me, or sent any letters. They never reached out about that complaint and also left a phone number that goes to voicemail and they do not call back which is what happens with all phone numbers they give. 

XXXX is sold us a car with major problems and failed to disclose it us ( the buyer ). It is a case of fraud. They sold us a car that can no longer be used unless repaired for {$7000.00} due to it having bad a transmission. They purposely did not show the car fax to hide the transmission issue. They have avoided all calls and e-mails sent.
Consumer complaint received 2023-06-09
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. (TX)

fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. 

XXXX XXXX XXXX account # XXXX {$1400.00} XXXX  XXXX XXXX XXXX XXXX # XXXX {$26000.00} XXXX XXXX XXXX # XXXX {$34000.00} XXXX XXXX XXXX # XXXX {$390.00} XXXX XXXX  XXXX XXXX {$340.00} XXXX  # XXXX {$290.00}
Consumer complaint received 2023-12-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (AL)

I am not liable for this debt of {$300.00} with LVNV Funding. The LVNV Account number is unknown. **** I do not have a contract with LVNV Funding. They did not provide me with the original contract as I requested with my wet signature and ID verification.