davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
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: Experian Information Solutions Inc. (CA)

Experian is acting in an unethical manner. Experian is being unfair. I sent in my ID for verification and two identity theft affidavits. I have sent an ID Theft letter and police report several times to Experian and they refuse to remove this debt that was involved in identity theft and are reporting a debt that was involved in identity theft. They are also reporting addresses I have never resided at and names. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX were involved in ID Theft
Consumer complaint received 2024-01-11
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. (TN)

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 2024-01-11
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-01-11
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 2020-10-09
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. (VA)

Ive contacted XXXX, Experian and XXXX  XX/XX/XXXX, XX/XX/XXXX and Experian again XX/XX/XXXX regarding inaccurate information being reported on my credit report. They respond each time saying they verified the information as accurate. However the information being reported is in non-compliance with the FCRA which is in violation of my rights. I informed Experian the creditor XXXX XXXX XXXX is reporting inaccurate data 1. Date last updated says XX/XX/XXXX but I disputed this XXXX XXXX- 2. Past due reporting on a collection account, this is a violation 3. Late payments/payment activity reporting on a collection account this is a violation They replied saying they verified the information as accurate and it still remains on my credit report to this day! 

Creditor, XXXX  XXXX XXXX 1.Past due amount showing on charged off account. 
2. Account shows 3 different dates last active : Experian XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX. Additionally, this account has been re-aged. 

I asked them all to delete both accounts for FCRA non compliance which they havent. So due to these errors my credit score has suffered. 

All 3 bureaus failed to complete a proper investigation because they profit off of these errors. 

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate-which they know this information is NOT! 

XXXX  has merged my account with my ex-boyfriend from over 10 years ago and they refuse to delink our accounts. I have requested a personal pin to be mailed to me in order to access my info. I received it and when i go on their website they say i have no account, so i contacted them via e-mail. The rep told me they fixed it yet i still cant access my account online and i always fail verification because they ask me about HIS car loans and mortgage lenders which clearly i do not know this information. They wont give my a copy of my credit report even though I have sent in my ID AND BANK STATEMNT documents for a dispute! 

Ive asked them NUMEROUS times to fix this but again they make money off of errors they dont actually care about providing customer service.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I was n't able to make my student loan payment so I called Navient to find out what my options were and they said that I could file for forbearance which would temporarily relieve me of my payments for a few months. After the three months was over I was still experiencing financial difficulties and they suggested I file for forbearance again. They made it seem like this was my only option so I agreed to it. After several months of not being able to pay on my loans, I did some research online with my brother and learned about the pay-as-you-earn program. I called Navient to do this and they were happy to help. They were very helpful in fact. They set me up on this plan and I 've been making minimum payments when I can ever since.
Consumer complaint received 2021-08-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response
Consumer complaint received 2020-06-24
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: Experian Information Solutions Inc. (NC)

Back in XXXX, 2020 I sent a certified letter to XXXX, Experian, and XXXX  regarding incorrect, accounts that they are reporting in my credit report. This also included over 15 addresses and multiple incorrect versions of my name, phone numbers, and employment information. 
I asked that the personal information gets deleted as they are outdated and no longer applicable to my current status and for fear of identity theft, asked that the information should be deleted, which they have not deleted per the most updated credit reports that I have received in XXXX. 
There were several accounts that reports as charged off and or in collections, and for each of the credit bureaus, the information across all three has not been reporting correctly, in the amount of the debt, date of last activity, and many other areas that is reporting incorrectly. I sent letters requesting that these information is disputed and requested that upon the outcome of their investigation that I receive updated credit reports, and method of investigation process none of this has been done. 
Responses from the bureaus are that the items are verified and remains, I sent follow up letters asking for the methods of verification, and received again that the accounts are verified and or updated. 
During said process I have sent certified letters to the collection company 's and have got back responses that they either do not have documents and are contacting the original creditor and or asking me to provide them with documentation to support my request for them to validate the debt. 
it is now XXXX, 2020 and I have not gotten any results from the credit bureaus and or collection companies. 
Please help me in getting closure and or results from these companies XXXX, Experian, XXXX  ( XXXX XXXX XXXX XXXX ), XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX  XXXX XXXX XXXX ) Thanking you in advance
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This complaint is directed towards the Credit Reporting Company, Experian, and is in relation to my previous complaint against XXXX regarding the same student loan account. My previous complaint ID was XXXX. 

The student loan in question belonged to my late mother who passed away on XX/XX/2023. I was the co-signor on the account. Previously, XXXX would not update balance information on my credit report after the loan was discharged. They responded in writing confirming the loan was discharged due to her death with a XXXX balance. 

However, this information was still not updated with Experian, XXXX, and XXXX, so I had to utilize the dispute process to request corrections on this account with all three bureaus. To date, XXXX and XXXX have reported this data. 

Experian, on the other hand, has not. I just submitted the dispute again ( for the XXXX time ) today after speaking with their Customer Service representatives. They most recently updated the account to show incorrectly that I, XXXX XXXX, am the deceased person. This resulted in Experian showing me as " unscoreable '' since I am apparently dead. 

Upon speaking with them, they initiated another dispute ( the XXXX one ), that was resolved today without any change to how this account is reporting. They are reporting that I am deceased and they don't include any balance information. Their guidance today was to submit yet another dispute. 

In the meantime, Experian is indicating that I am deceased, which is resulting in issues with other creditors I do business with. XXXX, for example, froze shipment of a new credit card to me and will not provide me any credit information online. 

The failure on Experian 's part to thoroughly review this matter to resolve the dispute is having a material impact on my consumer credit. Hence, my formal complaint regarding this matter.
Consumer complaint received 2024-01-11
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)

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 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Account XXXX has been charged off as of XX/XX/2020 and a balance of {$3200.00} remains showing on my credit reports with all 3 bureaus specifically XXXX, XXXX and Experian. It is my understanding when a creditor writes off a debt that no further payments are due. The balance should be set to XXXX on credit reference agency reports.
Consumer complaint received 2024-01-12
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. (FL)

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 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 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. BECAUSE OF THESE NEGATIVE ACCOUNTS IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Southwest Credit Systems, L.P. (TX)

XXXX XXXX Opened XX/XX/2018 for the amount of XXXX I wanted to pay this off and have it removed from my credit report. They refused. I have not had this problem with 1 other company I asked to do this.I am trying to buy a house
Consumer complaint received 2017-08-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC (AZ)

Johnson mark LLC took money out my checking account on my bank statement says legal order Johnson mark LLC XXXX they the amount of {$340.00}. I never had any notification that they sued me or that they were going to take money out of my account.
Consumer complaint received 2024-01-11
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : CITI Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX AUTO FIN Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one is not my credit card I have reported multiple times regarding this account and Capital one keeps telling me it is mine because they are tracing it to me and someone making payments to the account. I never had accounts with capital one nor any accounts with XXXX XXXX where the payments came from. I am a victim of identity theft and attached you will find the police report. thank you
Consumer complaint received 2016-07-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

I 've been dealing with major overdraft charges every month from my bank and I. Any understand that every month my account is almost XXXX in the negative every month. For the last two to three years my account has never been possible longer than 2 months without occupying late fees and overdraft charges. I 've spoken to the bank reps and I 've visited my local branch.im reaching out to cfpb to see if they can dig deeper into the account and help me to start saving my money instead of just giving it away freely back to the bank.TD bank is one of the worse banks I have ever dealt with and I 'm ready to just close all my accounts and put my money in a credit union.
Consumer complaint received 2024-01-11
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. (MI)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a concerning issue I recently discovered while reviewing my credit report. Upon careful examination, I noticed several credit inquiries that are not mine, and I did not authorize these inquiries. 

Below, I have listed the unauthorized credit inquiries along with the respective dates : 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 I am deeply concerned about the potential impact these unauthorized inquiries may have on my credit score and financial well-being. I kindly request your assistance in investigating and resolving this matter promptly. If there are any additional steps or information required from my end, please let me know, and I will provide the necessary details to aid in the investigation. 

Thank you for your attention to this matter. I appreciate your efforts in ensuring the integrity and accuracy of consumer credit reports.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Dispute of Closed Account Information on Credit Report Dear Experian Dispute Department, After reviewing my credit report, I have identified a closed account that I believe to be inaccurate. The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX XXXX date XX/XX/XXXX, account paid in full. ) ( XXXX XXXX XXXXXXXX date XX/XX/XXXX, account paid in full. ) XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX, account paid in full. ) ( XXXX XXXXXXXX date XX/XX/XXXX account paid in full. ) ( XXXX date XX/XX/XXXX account paid in full ) Further more, i have already submitted a complaint against inaccurate addressed on my report. 
THE ONLY MAILABLE ADRESS IS XXXX XXXX XXXX, XXXX XXXX FL, XXXX al other address are unmailable address. if any mail is send to any other address than the one provided above, action will be taken. 

The information I am disputing is inaccurate for the following reasons : [ THESE ACCOUNTS HAVE BEEN SETTLED AND PAID IN FULL, AND ME AS A CONSUMER UNDER Fair Credit Reporting Act ( FCRA ) that pertains to disputing inaccuracies on your credit report is 15 U.S. Code 1681i. ] Per the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request that Experian conduct a reasonable investigation into this matter. Please contact the furnisher of the information to verify and correct any inaccuracies. If the disputed information is found to be inaccurate, I request that Experian promptly update my credit report to reflect the correct information. 
If these matters are handled i XXXX XXXX XXXX will be billing your company for the damages. 

I appreciate your prompt attention to this matter and request that you provide me with written notification of the results of your investigation. Please send the updated credit report to the address listed above. 

Thank you for your assistance in resolving this dispute. I look forward to a prompt resolution.