davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to file a complaint against XXXX XXXX regarding discrepancies in the reporting of my account. I have submitted disputes for the account in question, disputing the accuracy of certain information. Despite my efforts, XXXX XXXX has responded asserting that the information is verified and accurate. However, I have observed significant disparities between their reported information and that of Experian and XXXX. 

The discrepancies that I am disputing include : Account Status : XXXX XXXX reports a different account status compared to Experian and XXXX. The accurate account status must be promptly reflected to ensure fair and accurate credit reporting. 

Date Opened : There is a notable variance in the reported " Date Opened '' by XXXX XXXX compared to Experian and XXXX. It is imperative that the accurate date be reflected for proper credit assessment. 

Date of Last Activity : The reported " Date of Last Activity '' differs between XXXX XXXX and the information provided by Experian and XXXX. Ensuring the correct date is crucial for an accurate representation of my credit history. 

I have attached supporting documentation, including the responses from XXXX XXXX, as well as the corresponding information from Experian and XXXX. The evidence clearly demonstrates the inaccuracies in XXXX XXXX 's reporting. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that XXXX XXXX rectifies the inaccuracies in their reporting. I am seeking the removal of the discrepancies mentioned above to maintain the integrity of my credit report.
Consumer complaint received 2024-01-15
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)

After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. These inquiries are fraudulent, damaging my credit score, and 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 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 unauthorized inquiries listed IMMEDIATELY!

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

15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agencymay make any consumer report containing any of the following items ofinformation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have already notified CFPB, and the Federal Trade Commission by completing an identity theft report and I have included copies for your review.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC (IL)

I acquired a loan in XX/XX/2016 from Honor finance. The loan amount was {$10000.00} my payment per month was {$490.00} The during the first 8 months of the loan my car malfunctioned so I was not able to use it Honor finances warrantee covered the cost and deferred one of my payments towards the back of loan.. they did this because I had been paying my loan time and I kept in contact with them. In addition I had an option to defer. Months 12 into the loan and payments the company was brought out by Westlake portfolio they unexpectedly readjusted the terms set by Honor finance. Westlake portfolio forced me to.pay the deferred payments plus penalties in addition Westlake portfolio removed Honor finance from all three credit bureaus I called Westlake portfolio to take the car But as of today XX/XX/XXXX the car still appears to be mine here in illinois accessed
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX sold my student loans to XXXX in XX/XX/XXXX. As of XXXX, XXXX, XXXX they are still reporting balances to all 3 credit bureaus and now it looks like I owe triple the amount in student loans. This is affecting my ability to assume a mortgage and I am requesting assistance removing these inaccuracies from my credit reports.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. 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 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 2024-05-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Joe Biden forgave my federal student loans for the XXXX XXXX but I am still paying the private loans for that school. I should not be paying those loans anymore because that school was fraudulent. Navient should have sent me an application for school misconduct discharge sent to my email but I have not received this.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-15
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)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-01-15
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)

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2020-06-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I sent a certified letter to Nissan Motor Acceptance on XX/XX/20. The letter was a Request for Debt Verification and Cease and Desist. They received the letter XX/XX/20. We did not receive a response from them at all. We reported it XXXX  and other bureas. XXXX  will not remove/delete the debt from our credit report.
Consumer complaint received 2024-01-15
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. (CA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
My credit report includes the following erroneous information that needs to be investigated and removed : 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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding inaccuracies in the reporting of my account. I have submitted disputes for the account in question, challenging the accuracy of the information reported. XXXX XXXX XXXX XXXX has responded, asserting that the information is verified and accurate. However, my Experian credit report shows significant discrepancies in the " Account Rating, '' " Date of XXXX  Activity, '' and " XXXX  Payment '' details, which have been verified as incorrect. 

Account Information : Account Number : [ Your Account Number ] Creditor : XXXX XXXX XXXX XXXX Discrepancies : Account Rating : XXXX XXXX XXXX XXXX has reported an Account Rating that differs from the verified information. The discrepancy in the rating negatively impacts my XXXX XXXX and misrepresents my XXXX. 

Date of XXXX  Activity : The reported " Date of XXXX  Activity '' on my Experian credit report does not align with the accurate information that I have verified. This misinformation can have significant consequences on my XXXX XXXX. 

XXXX  Payment : The reported " XXXX  Payment '' information also differs from the verified details. This inaccuracy can impact how my XXXX  is perceived and affect future financial opportunities. 

I have taken the necessary steps to dispute these inaccuracies with XXXX XXXX XXXX XXXX, but their response suggests a failure to rectify the discrepancies. As a consumer, I believe it is my right to have accurate and truthful information reflected in my XXXX  XXXX. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and compel XXXX XXXX XXXX XXXX to correct the inaccuracies in my XXXX XXXX. I also request that XXXX  adverse effects on my XXXX XXXX resulting from these discrepancies be rectified promptly. 

Thank you for your attention to this matter. I appreciate the efforts of the Consumer Financial Protection Bureau in ensuring fair and accurate credit reporting practices.
Consumer complaint received 2020-11-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (WA)

I leased a vehicle through JP Morgan chase Bank NA in Illinois state. 
Use tax is included into monthly payments ( 7 % ). 
I moved to WA state where the use tax is 10 %. 
Chase bank, instead of calculating the tax difference ( 3 % ), just applied additional 10 % on top of monthly payment. As a result I am paying 18 % of use tax instead of 10 %. 
The bank denies the error in calculations and refuses to cooperate.
Consumer complaint received 2016-06-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

I received XXXX hard copy letters from Navient offering a reduction settlement up to 70 % of the balance ( see attached ) but when I called I was pressured and bullied into {$600.00} payments, no reduction and told I " was n't eligible '' for that letter ... .no matter that the letter had MY NAME and MY ACCOUNT NUMBER. My Mom is XXXX yrs old & a cosigner on some of the Navient, they called her XXXX15 times day ... .I felt no options existed for me ... give Navient what they want or watch my Mom so imperiled by the harassment ... ... {$600.00} is well over 25 % of my monthly take home and after XXXX it will be 40 % of my income monthly. I believe those letters were a dishonest ruse, a bait-and-switch ... .jsut to get consumers to call them ... .the letters were a LIE but I also believe that Navient put the reduction offer in writing and therefore should be held to it. I am contacting your office, the AZ XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against Experian for persistent inaccuracies on my credit report that remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to rectify these issues, I have not received adequate investigation results, and the reporting continues to impact my credit negatively. 

XXXX. XXXX XXXX ( Reference Number : XXXX ) : Experian erroneously claims to have verified a bankruptcy record with reference number XXXX through a reinvestigation. I have evidence from XXXX, the third-party vendor, confirming that no such record is present in their reports. This bankruptcy is unverifiable and must be promptly removed from my credit report. Enclosed is the Table of Contents section of my XXXX report as proof. 

XXXX. XXXX XXXX Accounts ( Account Number : XXXX ) : ** XXXX accounts under XXXX XXXX ( account number XXXX ) are inaccurately reported. XXXX account lacks payment history, while another displays inconsistent late payments. Despite my dispute, Experian has not provided investigation results. Attached is XXXX XXXX XXXX 's response dated XX/XX/XXXX confirming the discrepancies. 

XXXX. COMMUNITY FIRST CRED Accounts ( Account Numbers : XXXX, XXXX ) : Experian has not addressed my dispute regarding XXXX accounts under COMMUNITY FIRST CRED. The CFPB redirected my complaint to XXXX XXXX XXXX XXXX, causing the issue to remain unverifiable. XXXX XXXX 's response dated XX/XX/XXXX contradicts Experian 's reporting. Attached is XXXX XXXX 's response for your reference. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is inaccurately reported by Experian. XXXX XXXX XXXX XXXX 's confirmation of full payment on XX/XX/XXXX, Experian 's reporting is incomplete and outdated. Attached is XXXX XXXX XXXX 's response for your review. 

XXXX. Bank XXXX XXXX Account ( Account Number : XXXX ) : Bank XXXX XXXX 's response dated XX/XX/XXXX, confirms that credit was revoked on XX/XX/XXXX. However, Experian continues to report inaccurate late payments and a later date of last activity. This account must be promptly removed from my credit report. Enclosed is Bank XXXX XXXX 's response.
Consumer complaint received 2024-01-15
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. (PA)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2021-09-01
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-01-15
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. (TX)

On XX/XX/2023, Experian was notified of fraudulent information being reported on my credit report. In accordance with FCRA, I submitted all necessary forms and documentation to establish fraud claim. From time of receipt, Experian is required to delete and block all fraudulent information. Experian has failed to comply with federal regulations and has caused my credit reputation grave harm. Experian received all documents and has failed to act to ensure the consumer is being protected. According to Experian reporting this fraudulent information, my credit report shows XXXX different accounts with the same vendor for over XXXX. These accounts were not opened by me, nor did I approve anyone to open these accounts. I have reached out for documentation verifying signatures, but I have not received a response. By law, Experian is required to delete these fraudulent accounts and provide me with an updated credit report at no cost to me. Enclosed is the letter sent to XXXX ( which was included with the documentation I sent Experian ). Please remove all accounts from my credit report.
Consumer complaint received 2024-01-15
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.