davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
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. (NC)

In accordance with the Fair Credit Reporting Act ( 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 an account without my written instructions.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (IN)

On XX/XX/XXXX my bank that I had for years was closed and all accounts were transfered to BBVA. From day one there were issues with almost every communication that was sent previously to prepare for this merge. 

Then the day of I was unable to access my funds, a few hours even a day is understandable. I had to call NUMEROUS times to finally get through and get signed in. 

I quickly moved all my funds out and requested that all of my accounts be closed. 

They replied saying they have removed my savings from my online banking ( they didn't ) to which I replied I need my accounts closed and received no answer. 

Additionally I have tried to call numerous times today ( XX/XX/XXXX ) with no response and constantly being hung up on. 

I just want my accounts closed because I K ow they are going to try and force me to pay fees for some reason since this entire relationship has been full of lies.
Consumer complaint received 2022-08-14
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. (NC)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2024-01-18
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. (GA)

Dear EXPERIAN, I looked at my credit report back on XX/XX/2023, and noticed some things that are incomplete and not accurate. I sent a letter to you on XX/XX/2023 and asked you to investigate the completeness and accuracy of this, I haven't received a response back. This is breaking Federal Law.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-01-18
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. (MO)

Experian just notified me again they want my bank statements, NO WAY IN XXXX I PROVIDE THIS FRAUDULENT COMPANY MY BANING INFORMATION AGAIN. MY BANK ACCOUNT IS ALREADY HOOKED UP TO EXPERIAN THROUGH XXXX I JUST CALLED THIS CROOKED COMPANY AND THEY HING UP AGAIN WHEN I TOLD THEM I WAS ALSO RECORDING.
Consumer complaint received 2024-01-18
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. (NV)

Experian, XXXX, and XXXX Name : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX remove Late payments Account Number XXXX
Consumer complaint received 2021-03-13
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. (SC)

On XX/XX/2020 I attempted to use my XXXX card and it declined. I assumed this was because I was in a different city shopping for my daugher 's birthday about an hour from home. What really was going on is that someone hacked my XXXX account online, changed my address and contact information, and requested a new card be delivered to associated address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

This is not my address and I do not have any affiliates with anyone in OH. My credit report reflects on XX/XX/2020 this address as an associated address and I would like it removed. I would also like any inquiries or charges around this time removed as well as it does not belong to me. I did report this issue to Discover.
Consumer complaint received 2024-01-18
Product: Credit reporting 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. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-18
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. (IN)

" I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''
Consumer complaint received 2024-01-19
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The EXPERIAN credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Data breach Hello, my name is XXXX XXXX And my information was bought and sold illegally and I was a victim of the XXXX data breach. 

And I want these items deleted from my credit reports effective immediately! 

I am attaching proof that XXXX admitted, that I in fact, was a victim of this data breach and XXXX has done nothing I was these accounts deleted off off my account immediately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is closed and never was late Correct this immediately Personal info My name is as stated XXXX XXXX I do not and have not ever gone by any other name and want all other names removed off of my consumer reports Addresses My address is as stated XXXX XXXX XXXX XXXX XXXX pa XXXX I want all other addresses removed from my consumer reports I want all employment history removed from my consumer report Thank you Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I was a victim of identity theft and I submitted my police report to the three major credit bureaus. Using my police report as proof I tried disputing accounts and inquiries with Experian, XX/XX/XXXXand XX/XX/XXXX multiple times. Every dispute I intiated never went in my favor even with my police report. Their are car loans, bank loans, and closed credit cards reporting on my credit that were fraudulently opened and the credit bureaus won't do anything to get them off. 


XXXX XXXX XXXX ( {$16000.00} ) XXXX XXXX XXXX ( {$12000.00} ) XXXX XXXX ( {$3500.00} ) XX/XX/XXXXXXXX XXXX  ( {$760.00} ) All those accounts are fraudulently opened and I've disputed them but the credit bureaus won't delete them
Consumer complaint received 2024-01-18
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. (IL)

I have been disputing this account since XX/XX/2023. I never opened this account and it is under and social security number but not my name. I have written the company and sent certified letters to the company since XX/XX/2023 with no results. I have requested a copy of the papers or loan agreement with my name on it but no respond. I have disputed online with XXXX and Experian and no results. It did get removed from XXXX.
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Ive contacted capital one several months ago to notify them that I was impacted by Covid -19. Capital one advised me they will document my account and waived my payment. I kept making payments and one month I did make a payment late. When I spoke to the representative to advised them of my financial situation, I do not recall that I was advised to call each month to get assistance. I was under the impression that I can make my payment late and will not be impacted negatively.

My account was reported 30 months past .All my other creditors accommodated me and never reported me negatively. Im grateful I was able to get back my full 40 hours and Im Current. Im in the process of getting my mortgage modified / refinance and just found out this negative past 30 days will forfeit me getting my mortgage where my family and I can stay in the home with a reduce mortgage amount. 
Ive contacted capital one for assistance to help remove the 30 day late on my credit report and was advised to dispute this with credit agency. I was also advised there is nothing they can do and to reach out to executives disputes department.
Consumer complaint received 2016-06-17
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I contacted Bank of America to inquire about a Home Equity Loan XX/XX/XXXX.During the intake of my information, the representative said that it would help my loan process if I had a checking or savings account with BofA.On that call, he pressured me to make an appointment to open accounts at the local branch. I went and opened checking and savings accounts.I asked the initial representative, the branch representative, the mortgage specialist and his manager if my credit would be an issue for approval, as I incurred late payments when my previous bank/mortgage accounts were sold by XXXX.They all said, it would not be an issue. I indicated that I needed to be sure because I was applying for a home equity loan ( on a house I own a 100 % of-no mortgage ) to pay an unexpected income tax bill.They all assured me to continue with the process.Today I received a denial for the loan.When I asked to speak with someone, XXXX XXXX ( who previously assured me it would be fine ) told me that Bank of America would NEVER approve a loan when an applicant had a late payment to a former mortgage holder. They saw my credit report when I started the process and lied to me the entire time.They pressured me into opening bank accounts and applying for credit cards.I feel that they have deceitful and dishonest business practices.I complained about the specialist assigned to me to XXXX XXXX, that he was unresponsive and told me that if I wanted a quick turn around I should have applied to a smaller bank because they have less customers.After my complaint, he treated me worse, sat on paperwork and was not responsive.Now 6 weeks have passed and I am no closer to having a way to pay my income taxes - except now, my credit score has been lowered due to the hard credit inquiries from the credit card they pressured me to apply for and the loan I ultimately did not receive.They have added themselves to my homeowners policy as a XXXX loss payee without approving me for the loan.They have wasted my time for 6 weeks.I corresponded with XXXX XXXX on XXXX XXXX and she NEVER said they do not approve loans if you have been late paying a prior lender ( even with a valid explanation ). I was full disclosure about this - because I was worried it would have an effect. I am feeling like they must have quotas to submit for applications and to open accounts and used me to fulfill their requirement only to mislead me.
Consumer complaint received 2022-08-14
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. (CA)

On XX/XX/2015 there was an unsecured account open under my name and social security number due to identity theft and fraud in the amount of {$3100.00}, I have tried to have this removed from my credit report and tried speaking to the reporting credit bureau which is Experian to have it removed and never put back on my credit report. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Experian credit report.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Received letter on XX/XX/XXXX that Capital One " reduced your credit limit to {$5000.00}. '' I observed Capital One performed an account review soft inquiry on my XXXX consumer reporting file XX/XX/XXXX. They did not advise me of when review occurred or what criteria I did not meet in the last 24 months. 

Further Capital One updates my XXXX XXXX every week since I had the card in XX/XX/XXXX which improved 50 points. It most recently was XXXX, the highest it has ever been yet Capital One took adverse action which may affect my credit score or standing with other lenders. 

They keep sending me pre-qualified offers for car loans etc. and yet would take action ordinarily reserved for deteriorating credit rather than an exceptional credit score. Their response to my initial complaint, which they claimed was a " counter offer '' was simply re-stating exact contents of prior letter.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

I received confirmation that my application to be put on the SAVE plan was accepted in XXXX XXXX My first payment under the plan was made successfully in XXXX XXXX. 

In XXXX I receive a letter stating that I was being placed in administrative forbearance and that no payments would be due until XXXX XXXX 

On XX/XX/XXXX I log into my account to find that I had been removed from the SAVE plan without my consent or knowledge and placed back on the level plan and that I had a pending application for the SAVE plan. In addition it showed that a payment on the level plan was due in XX/XX/XXXX which I had missed because I was not informed of any of these changes. I promptly made the missed payment on that day XX/XX/XXXX in order to alleviate any negative affects it may have my account. I I proceeded to call Mohela on XXXX XXXX XXXX  and requested information as to why I was removed from the SAVE plan and had a pending application for same without my consent. The representative could not provide any information as to why this occurred. I was told to wait for the current application to be processed. It is XX/XX/XXXX as of this writing and the application has not been approved and my account still shows a payment being owed at the end of XXXX under the level payment plan. I have since resubmitted the SAVE application yet again in an attempt to return to the plan
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I have a XXXX mortgage serviced by Seterus, because of a payment change and an escrow shortage the account fell behind about {$5600.00}. I have proposed to Seterus to make XXXX ( XXXX ) monthly payments of {$500.00} to get the account current. They are giving me a hard time and threatening foreclosure for such a small amount, especially the regular monthly payments are been made.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There are a few Inquiries showing on my Experian Credit Report which is totally not mine and I never applied with these Companies for anything. by law, the credit beaurau has to have specific verification in order to report this. I have sent Experian letters requesting to send me the documents of how they validated these inquiries and it has been quite sometime and they refuse to remove the inquiries and also never sent me the docs supporting that they are legally reporting this. 

The wrong inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never ever applied with this Companies for anything and I request that Experian please either send me the supporting docs to validate this and or remove them from my report immidiately
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (ME)

Barclay 's sent me a letter dated XX/XX/21 that if I didn't use credit card my card within 30 days, the account would be closed due to inactivity. A review online of my account on XX/XX/21 showed the account had already been closed. After calling Barclays Customer Service the same day, I found out that they closed the account on XX/XX/21 and would make me reapply to have another card. The credit line on the card was {$13000.00}, this has now caused my utilization rate to increase significantly, impacting my credit score. The representative didn't appear to know how I could formally file a complaint with his company, except to have somebody call me. He certainly didn't seem to know how to log any CFPB complaints internally. It's unclear to me how a company can send a letter saying I have a certain number of days to do something and then take action prior to allowing the given timeframe for that to occur. They also took away any points I had accumulated by closing the card.