davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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)

Experian is displaying accounts that is a result of alleged identity theft. I did not agree to, or benefit from the transactions. As required by law, I sent Experian written correspondence, including my proof of identity, an identity theft report, identification of such information, and a statement. They are required to delete and block the accounts within 4 days of receiving my notice.
Consumer complaint received 2024-02-02
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. (NV)

Violation of the Fair Credit Reporting Act occurs when entities access consumer reports for purposes not explicitly permitted under Section 15 USC 1681b. Such violations include accessing reports without a valid reason, using them for unauthorized purposes, or failing to comply with the Acts guidelines and restrictions. Bankruptcy Court doesnt report Bankruptcy to Credit Bureau . XXXX and others report, and sell personal information. This is a privacy violation even if it is invesigated as accurate. companies like XXXX offer information services that may include data protected by privacy laws, such as the Fair Credit Reporting Act ( FCRA ) in the United States. These laws regulate the collection, use, and dissemination of consumer information to ensure individuals privacy rights are respected and their data is handled appropriately. Any unauthorized access, use, or sale of such protected information may constitute a violation of privacy laws and could lead to legal consequences for the company involved.
Consumer complaint received 2024-02-02
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. (TX)

per the FCRA as a federally protected consumer, I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal regarding reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt out notice to consumers ; opt out methods, with said company U.S. Department The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of 18 or attends a school beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school. Based on the said laws & codes I exercise my rights as an consumer because my personal information is being used unlawfully.

The reporting of this account as a debt is unlawful. As well as sharing or selling my personal student loan info per the The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 )
Consumer complaint received 2024-02-02
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. (NC)

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 Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX has violated my rights. Or 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 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Thank you for taking the time to review the complaint. After reviewing the XXXX  Credit report XXXX continues to furnish negative reporting on credit profile. My paychecks were garnished multiple times and the garnishments cease. Never changed jobs nor changed addresses. This illegal continues to deplete my credit along with creditworthiness. Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint, requesting validation of signature and how investigation occurred.
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (CA)

I have received regular calls every few weeks on my XXXX XXXX XXXX number from agents of ARA Services who say threaten to sue ( if I do n't immediately make payment arrangements ) to collect a debt allegedly owed to XXXX. I was told that I 'd receive a summons in the mail. I owe nothing to that company although I believe that if I did that it would be a zombie debt from an account that I may have had over 25 years ago ( which was closed with a XXXX balance I believe in the XXXX. I have demand that ARA stop calling me ) but the calls keep coming regularly every XXXX weeks, the latest being this morning from phone # XXXX XXXX XXXX in XXXX, IL. -- - I verified their number via a call back to the number and also was told that their address is XXXX XXXX, XXXX XXXX, IL XXXX.
Consumer complaint received 2020-11-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have submitted 2 complaints with CFPB # XXXX and # XXXX for Bank of America Home Loan account no # XXXX. Now the bank is retaliating and has suspending my account, claiming that my payment is past due. BofA hasn't corrected the issue and is showing balance on my account incorrect ( it's been many months and I see random activities on my account daily from BofA ). Additionally, I am on auto pay from my BofA checking account so there is no way I could be late on my payment. I am totally disappointed on BofA and feel mistreated and harassed.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Back in XX/XX/XXXX or XX/XX/XXXX, I contact XXXX XXXX per a late payment reporting on account. I was confused because I knew I had auto draft on my account so there was no way for me to have a late payment status. I called the company and at first two agency could not find the late payment status. After research it was discover that because I have two accounts with the company ( store credit card and a mastercard ), one account was not on auto draft. I was very upset at this point because I was in the middle of closing on a new home. My loan officer told me not to pay off the card balance due to me being in the process of closing on the home. Once I received this remark and spoke with a supervisor I told them that it had to be a big mistake and I was willing to make the payment in full so I can have this removed from my account. The supervisor stated okay, no problem fax over a dispute letter, notes will be in the system and I should be fine. Being told to write this dispute letter for removal of the negative remark, I told the supervisor okay as long as the remark will be removed. The payment was made and I faxed over the dispute letter with detailed information. I receive an alert from XXXX XXXX that the account was removed and than place back on my credit report. After about 5 days the credit report was updated to the status of paid in full but the negative remark was not removed. My loan officer stated because of this action I was not able to close on my home. This was embrassing, hurtful, and I gave up on trying to get a new home. At this time I am trying to get a new home because my current home has been affected by hurricane harvey and I need to move. I am asking anyone to help me have this negative remark removed from my account if possible. I hate that I had to file a complaint but I do n't have a clue on any other way to get XXXX XXXX attention. My account is still open and I have not used it at all.
Consumer complaint received 2020-11-27
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: Credit Plus Inc (TN)

On NXX/XX/2019, CREDIT PLUS add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
Consumer complaint received 2022-11-05
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)

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 XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account Name 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 they are false.
Consumer complaint received 2023-01-11
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: CBC Companies, Inc. (GA)

I have inquiries on my report that I have disputed prior and these inquiries are with companies that I have no open accounts with. Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX
Consumer complaint received 2020-10-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I filed chapter XXXX, XXXX yrs ago and that house has been sold two times since however Wells Fargo keeps reporting that mortgage to my credit that has already been discharged. I have been trying to buy new home and even with proof i am not able to buy home bc Wells fargo will not remove.
Consumer complaint received 2017-09-22
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I mailed a packet of information to Experian, regarding numerous inquiries on my credit report with their agency. After two weeks had passed with no results, I contacted Experian by telephone on XX/XX/XXXX and again on XX/XX/XXXX. I was told by a representative that " Just because a company ca n't verify permissible purpose does n't mean that [ they ] have to remove the inquiries. '' I disagree. Any inaccurate information that can not be verified must be corrected or removed. Inquiries are not exempt from the FCRA. I have written to the company again, as the agent I spoke to ( I wo n't call him a customer service representative, because it is clear that we are n't customers, but commodities ) refused to allow me to speak to a supervisor, to give them an opportunity to resolve this matter, but after speaking to the agent yesterday and being told that removing inquiries is against the law - which is blatantly false - I am painfully aware that Experian is not going to do anything to resolve this issue. I only hope that the CFPB will make the XXXX finally have some teeth, and no settle for a standard form letter, cookie-cutter reply from this CRA. 

Thank you.
Consumer complaint received 2020-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TN)

My mortgage was included in a chapter XXXX bankruptcy that was discharged XX/XX/2020. The Trustee 's office sent the final payment in XXXX and I began making payments in XXXX. I noticed Quicken Loans was not applying the payments to my loan and that the funds were sitting in some partial payment unapplied account. 

The first time I called Quicken Loans they said they would only speak with my attorney because I am in bankruptcy. I informed them that the bankruptcy had been discharged and sent them the discharge document that they claim they did not receive. I was told it would take 90 days to process. When the 90 days was up and I saw no change, I contacted them again and sent a print out of all of the payments that were sent to them through the trustees office which totaled {$65000.00}. I asked them why the payments had not been applied to the account and was told the trustees office did not tell them how to apply the funds. 

I even sent a letter requesting that my account be corrected and that I also wanted a detailed print out of all my payments and credits for the last 5 years because there seems to be errors not only on my billing statement, but my credit report, and my annual tax statement. It has been over three months and I have not received a response. This year I have received 3 different tax statements from Quicken Loans, all incorrect. 

I received my XXXX billing statement today and it shows that I owe {$13000.00}. It also shows an unapplied balance of {$22000.00}. When I first started questioning the errors on my account in XXXX the unapplied balance was {$6000.00}. This means its been almost 2 years since they have applied payments to my account. 

I have even requested to speak to the bankruptcy department only to be told that I am not allowed to speak to them. 

My credit report is also showing a past due balance even though they have received full payments every month.
Consumer complaint received 2019-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a call on XX/XX/2019 stating lawsuit would be filed against me in XXXX County for debt, and attempting to defraud a financial institution. 

They also called my father on XX/XX/2019. 

I called back number XXXX where I was told they would need to speak to " in house counsel '' to see if I could have a " deferred lawsuit '' since I am out of work on short term XXXX. They arranged payments of {$160.00} to pay off the almost {$700.00} owed. 

I did not research until after speaking to them and providing my debit card info that this was likely a scam or illegal for them to do.
Consumer complaint received 2020-12-09
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. (SC)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (FL)

Called to get understanding of the debt was advise that I JUST NEED TO PAY WHAT I OWE BECAUSE I KNOE I OWR IT! Then when I asked for breakdown of the account advise I should have gotten the letter if I didnt then that my fault! Asked for validation letter but one never came and also asked for move out statement providing proof of amount owed via email and by phone never received it! Also asked for a settlement and was advise THEY DONT DO SETTLEMENTS Procollect is aggressive and abusive and goes against FDCPA Regulations and UDAAP laws
Consumer complaint received 2020-08-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (TN)

My complaint is the amount of money in student loans they let me take out for my daughter. First I applied for the loans in my name only, but because I sent in my tax returns they used my husband 's income. We were recently out of bankruptcy and now looking back I should have not been allowed to acquire that amount in loans in my name. I was under the impression I was co-signing for my daughter. The interest rate is awful, and I asked since they used my husband 's income with out my knowledge and he is a veteran could we have the lower interest rate? And the answer was no.The loans are from XXXX - XXXX school years. Now I'm having a hard time getting a loan for repairs on my home and my debt to income ratio is bad. The point I'm making is that this was wrong from the start, I should not been able to get this amount in loans on my income right of bankruptcy. Loans are from Direct Loans and Great Lakes, the amount of the loans are now over {$60000.00}. What can be done at this point? 
Thank you for any help in this matter
Consumer complaint received 2020-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NC)

This is not even the original debt collector, this debt was paid in full with the original collector, this debt was sold without my knownledge. When I saw that this debt was on my credit report, reporting inaccurate I called the company several times to explain that I was no longer responsible for this debt because it was paid, they kept hanging up on me. Please remove this from my credit report, this account was sold from the original collector, after the fact that it was paid, and all equipment returned.
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (GA)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00}, XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX,