davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-11-09
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Wasn't originally informed I owed money. They just put it on my credit report. Multiple calls and text messages all different hours. Contacting my family members and friends Harassing them and me. I did not give them my family members number. Put my information out.Changing fees I don't owe. Committing fraudulent activities. They told me if I pay half of the debt they will put the other half on some else. The rental agreement was never signed by the other part on the lease. They forced his signature. I have multiple witnesses that he did not sign the rental agreement.
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

experian got a dispute from me around XX/XX/XXXX and have completely ignored my request to have the investigation done on the accounts i requested the info on.
Consumer complaint received 2022-12-12
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. (GA)

DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. XXXX XXXX XXXX. XXXX XXXX XXXX.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

I should have XXXX late payments on first premier. 1 is showing from XXXX, but the reason I'm writing is for the XXXX issue for XXXX. I was in the hospital and submitted a claim. I made payments on my account for month of XXXX. For some reason the credit bureaus have not properly updated. I have attached my payments for this account. I was never late. XXXX. 

Also opened a dispute with experian and they investigate in same day and closed investigation? That is not accurate timing of a 30 day. I attached a screenshot as evidence to show this investigation was not done properly.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

I should have 0 late payments on first premier. 1 is showing from XXXX, but the reason I'm writing is for the XXXX issue for XXXX. I was in the hospital and submitted a claim. I made payments on my account for month of XXXX. For some reason the credit bureaus have not properly updated. I have attached my payments for this account. I was never late. XXXX. 

Also opened a dispute with experian and they investigate in same day and closed investigation? That is not accurate timing of a 30 day. I attached a screenshot as evidence to show this investigation was not done properly.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXXXXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I should have XXXX late payments on XXXX XXXX. XXXX is showing from XXXX, but the reason I'm writing is for the XXXX issue for XXXX. I was in the hospital and submitted a claim. I made payments on my account for month of XXXX. For some reason the credit bureaus have not properly updated. I have attached my payments for this account. I was never late. XXXX. 

Also opened a dispute with XXXX  and they investigate in same day and closed investigation? That is not accurate timing of a 30 day. I attached a screenshot as evidence to show this investigation was not done properly.
Consumer complaint received 2022-12-12
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. (NV)

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX IN violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX IN is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX IN has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 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. XXXX XXXX XXXX IN has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below ) violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The creditor accounts ( attached below ) is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The creditor accounts ( attached below ) has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 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. The creditor accounts ( attached below ) has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I mailed letters to the credit bureaus on XX/XX/2020 and I haven't received a response. The information I found on my credit report is inaccurate and I know with covid there might be a slight delay in the response. The fact the credit bureaus are not responding makes me feel like they are ignoring me. I went online and saw this is happening to other people as well. I found that their failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report and it has been over this time. I'm requesting the accounts be removed from my credit due to their lack of responding. If nothing is done I'm going to file for litigation and I'm hoping you can help me because this stressing me out. Please help me.
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: World Acceptance Corporation (GA)

On XX/XX/2023 I sent in a hand written letter to dispute and account on my credit report ( World finance Company ) due to inaccurate information to XXXX, XXXX, and XXXXI received a letter stating that the account information was verified. This account has been charging interest on this charge off account for very month since charged off increasing the balance even though it's been charged off.
Consumer complaint received 2022-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

transunion did opposite of what i asked them to do iasked if they could delthe opposite of what i asked them to doete XXXX  from inquirys on my credit report but it was ok to leave the one from XX/XX/2021 on because i did do that one they deleted that one and left the others on
Consumer complaint received 2022-12-11
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, the following accounts : 1. Account Name : XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX Account Number : XXXX Amount : 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 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

In XX/XX/2022 I called XXXX and complained they were reporting information on my report several times. I also requested to consolidate the loans and was approved for consolidation. When I opened the loans I was not told the loans would have several accounts. I was never told the the several accounts would report several times and on different dates. This is false inaccurate reporting and ruining my credit because each month my credit decreases by XXXX points and has done so for 15 years. This is ruining my credit, stopping me from getting a house, and good employment. 
I called again in XX/XX/2022 and complained about the same issue and 2 days later another XXXX balance was added to my credit report even though I requested my loans be consolidated into one payment on one account. This eas never was never done. I also requested to defer my payments until XX/XX/2022. I was told this was approved as well but the loans still keep showing past due.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (WA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In XX/XX/2022 I called XXXX and complained they were reporting information on my report several times. I also requested to consolidate the loans and was approved for consolidation. When I opened the loans I was not told the loans would have several accounts. I was never told the the several accounts would report several times and on different dates. This is false inaccurate reporting and ruining my credit because each month my credit decreases by XXXX points and has done so for 15 years. This is ruining my credit, stopping me from getting a house, and good employment. 
I called again in XX/XX/2022 and complained about the same issue and 2 days later another XXXX balance was added to my credit report even though I requested my loans be consolidated into one payment on one account. This eas never was never done. I also requested to defer my payments until XX/XX/2022. I was told this was approved as well but the loans still keep showing past due.
Consumer complaint received 2022-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

On XX/XX/2022 I checked my student loan account with MOHELA and they have me down with XXXX repayment plan.

I requested the XXXX  repayment plan.

They also show only one qualifying PSLF payment.

I have 112 Qualifying payments. 

I have copies of everything I have sent MOHELA, so I am able to show they are incorrect. 

I can not reach them by phone or any other method. 

They have not looked at what I have sent them or they are hoping that I am stupid enough to just trust them and make the high payments.
Consumer complaint received 2024-06-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (GA)

Mr. Cooper Mortgage is a scam and no longer want them as a lender! I have been dealing with discrimination for a long time. They are intentionally trying to make me lose my house. HAF has recently assisted me in paying the mortgage up and Mr. Cooper intentionally kept denying my mortgage payments until I had to get a paralegal involved. They finally received my payments and adjust my loan and corrected their errors until I was notified that mortgage payments were returned back to ( HAF ) now I'm back in the same situation. I have consulted legal counsel and legal action is being taking. I have documents and proof of discrimination and witnesses from HAF to speak on my behalf about how difficult Mr. Cooper was about my loan.
Consumer complaint received 2022-12-09
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. (IL)

XXXX XXXX XXXX is illegally showing on my credit report as an Alleged Debt. This account is fraud and has been wrote off as bad debt by the issuer. This credit account is NOW a INCOME. INCOME IS NOT SUPPOSE TO SHOW ON MY CONSUMER ACCOUNT. THIS IS A {$1000.00} VIOLATION and I will pursuit litigation if this account is not removed.
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (WA)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account name : XXXX XXXX XXXX XXXX number : XXXX Account name : XXXX XXXXXXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 section 602a states I have a right to privacy. 

15 U.S. Code 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish any account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Section states know, consumer reporting agency may make any consumer report containing any of the following items of information, other than records, convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 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 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

we were with Cap One for years we've never used our debt card for a purchase. we were hacked and other credit card companies waived any charges not Cap One we eded up with a loss of {$4200.00} because they believed hacker not a long term customer. we paid because we felt Cap One would ruin our credit if we didn't
Consumer complaint received 2023-04-25
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: Nelnet, Inc. (MI)

I have disputed these student loans with the credit bureaus and Nelnet. These student loans have late payments attached to them that are inaccurate. The student loans have been being marked as late during the pandemic when there has been no payments due during the pandemic. I have been disputing this with the bureaus and nelnet for three months and it has been coming back verified with no explanation. Nelnet knows that there has been no payments due during the pandemic they refuse to resolve the issue and this is causing detriment to my financial state. 
These accounts are also reporting inaccurately and differently across all three bureaus.