davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

First, we had many phone conversations with people from Navient to tell us what payments had been paid with Salle Mae before they took over the student loan. They never could tell us the payments. It was a loan for {$36000.00}. XXXX. But when Navient took it over, it was {$5000.00} more. We asked Navient to send a record of the payments that had been made from the beginning of the loan which was with Salle Mae in XXXX before Navient took it over in XXXX. We received a payoff adjustment form which makes no sense with no dates. This form came from XXXX XXXX XXXX XXXX in XXXX, AZ. Another issue we have is the balance on this loan seems astronomically high after paying on it for so many years. The way they figure the payments makes it difficult for one to see if the figures are correct.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

in accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. account name : # XXXX XXXX XXXX, XXXX Account number XXXX account name : # XXXX XXXX Account number # XXXX XXXX 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 section 602 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 XXXX make any consumer report containing any of the following item of information Any other adverse item of information other than record of convictions of crimes which antedates the report by more than XXXX years. 15 USC 1681c a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am exercising my rights under 15 USC 1681B ( b ). I tried to get the inaccurate information removed from my report referencing two Child Support accounts. EXPERIAN has violated my privacy according to the Fair and Accurate Credit Transaction Act. Under the FCRA, credit reporting agencies are only permitted to provide credit reports to parties who have a permissible purpose for accessing the information. Permissible purposes include, among others, extending credit, employment purposes, and underwriting insurance. However, accessing an individual 's credit report solely to obtain child support-related information is not considered a permissible purpose under the FCRA.
Consumer complaint received 2023-07-18
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. (CA)

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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$77.00} XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$71.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$71.00} XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2400.00}
Consumer complaint received 2023-07-18
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. (MI)

XXXX XXXX opened XX/XX/2022. 
Amount {$7100.00} I have contacted XXXX XXXX numerous times and told them this was identity theft and I have also filed a police report with XXXX Police XXXX. Case # XXXX Apparently, Identity Theft is common with XXXX XXXX per the multiple employees I spoke with in their Fraud Dept
Consumer complaint received 2023-07-18
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-18
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. (NJ)

FINAL WARNING : Please stop Experian from violating my rights, I have attempted to fix the violations without legal counsel and no longer will. I will exercise my rights and wide social media following to bring awareness to my situation and potentially the ones of others. I ask again for the final time, please block, delete, remove the information listed below immediately. I did not give written consent. 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-18
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX  XXXX XXXX Balance : {$710.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

This is NOT a duplicate submission and this is not filed by a 3rd party or Credit Repair Agency. I was looking over my credit report and noticed a few Credit Laws were violated. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 1. Account Name : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX  XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX Account # XXXX I would like for the consumer reporting agency to provide these four items below and if they can not provide these items please delete all of these accounts from my credit report. 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With The Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) Please provide me with these four items or delete the three accounts from my credit report.
Consumer complaint received 2023-07-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and details listed below should not have been reported in the first place, constituting a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist that these accounts and information be promptly deleted and removed from my consumer report to rectify the violation of these laws. Immediate action is necessary to comply with this request. Remove these accounts and information without delay!
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (GA)

I have a XXXX XXXX bill that i have been disputing for the past 6 months. To No communition with the credit bureau 's.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/2023 two fraudulent checks in the amount of {$830.00} each were allegedly deposited into my account from written from XXXX building company. The funds were never in my account yet Wells Fargo debited my account for the amount putting my account negative {$1600.00}. I cant access any of my deposits and no one is fixing the problem. I received copies of the fraudulent checks in the mail.
Consumer complaint received 2023-07-18
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit react.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 XXXX  # XXXX has violated my rights 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 Also states that 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. Ant other adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681=2 ( ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the the person knows or has reasonable cause of believe that the information is inaccurate
Consumer complaint received 2023-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I was approved for an XXXX XXXX account then immediately locked out of my XXXX. I was informed by XXXX then XXXX XXXX that the Card/account was being closed by someone other than myself.
Consumer complaint received 2023-05-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

Rushmore obtained an assignment of an already settled account from XXXX XXXX XXXX XXXX XXXX who I defaulted after serving their COC : XXXX XXXX with a promissory note that she retained but did not credit. My default, invoice and lien is recorded with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX, document # XXXX. The promissory note was obtained by XXXX  well within the 6 month right-of-redemption window ordered by judge XXXX XXXX XXXX ( XXXX XXXX XXXX Rushmore than began unlawfully dunning me for a settled obligation under a new loan number I never signed. Neither Rushmore, their attorney law firm Marinosci Law Group, XXXX  or XXXX XXXX XXXX their ostensible client or the trust they claim to represent, have license to collect in Wisconsin state per 12 USC ss. 1864 and 15 USC ss. 1692 ( i ). Rushmore/XXXX  then hosted an unlawful sheriff sale of the property parcel # XXXX on XX/XX/XXXX. The sale violated Wisconsin code XXXX by posting an alleged judgement settlement amount where bidding might start ( which had already been satisfied with the promissory note mentioned above ) and then beginning for more than twice the published amount. I purchased the property post sale in excess of the bank but the clerk of court dishonored my instrument in writing. According to WI XXXX the debt is discharged. Rushmore, XXXX lawyers and XXXX XXXX  are engaged in criminal theft of real property and RICO violations with XXXX XXXX. I refer this case to US DOJ and FBI for mortgage fraud, grand larceny, identity theft, theft of real property, estate embezzlement and racketeering. I joinder with class action suit based upon FBI case file XXXX.
Consumer complaint received 2023-07-17
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. (AK)

Without having an account at these two credit unions, XXXX and XXXX, going by what they told me over the phone when I called them, they have either removed my entire address history except for the address, I live at now, and even moved all of the mispellings of my name, but Experian refuses to remove the incorrect spellings of my name, and I have tried at least twice to get them to do that, and there has been enough time passed that should have been shown when I would login and go check! And my Lookout app, which monitors my entire situation on my phone here, has those incorrect informations, including the wrong addresses in it, but they demand that I have to go through this effort or more before they will remove the alert, though it is me, that would have to mark it all as, safe, but Im not going to mark it as safe when there is wrong information on there, obviously!
Consumer complaint received 2023-05-24
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX  XXXX XXXX Balance Owed : {$12000.00}.
Consumer complaint received 2024-04-21
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX I applied through a merchant, plunge.com, advertising 24 month 0 % financing through their partner Bread Financial. The application process solicited my name, date of birth, address, SSN, and notified me of a soft credit pull. My XXXX XXXX XXXX was pulled at XXXX. 

After submitting the application, Bread asked to verify my id by uploading a valid state identification card. I uploaded my valid DL and submitted. It said it needed additional information to verify my identity and to call a #. I called, answered verification questions correctly, and they said they would make a decision within 3 days. 

I then received a notification that my application was denied because Bread was unable to verify my identification. I asked my business partner to apply for the same financing and he was denied for an : Unable to verify identification as well. 

I reapplied and again was asked to upload my id, which I did, and was told I needed to call to verify my id. I called again and they stated that I could not reapply for another 30 days after a credit decision was made, yet they could not disclose if or how that policy was communicated to the public and it was not disclosed in any of the emails sent by Bread financial. They also still pulled my credit again and communicated that my application was in process. 

As a publicly traded company XXXX disclosed in their XXXX XXXX investor presentation that they anticipated a higher interest rate environment and a deteriorating ability of the consumer to service their debt. They highlighted their need to generate more interest producing assets and decrease their net loss ratio. I believe that Bread has statistically significantly increased their denial rate for 0 % products under any pretense to limit their exposure to non interest bearing assets while still advertising 0 % financing for customer acquisition purposes. If Bread can no longer charge retroactive late fees and interest, the 0 % financing products are no longer financially feasible for the bank but need to be continually offered to the customer as a bank differentiating product. 

https : XXXX
Consumer complaint received 2023-07-18
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023