davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IA)

I am a victim of identity theft and someone stole and used my personal information to open unauthorized and fraudulent accounts using my personal information. I have been receiving harassing and threatening telephone calls and death threats in regards to the unauthorized and fraudulent accounts. The following accounts are unauthorized and fraudulent : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The following inquiries are unauthorized and fraudulent inquiries : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
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. (CA)

Despite numerous deletions addressing the improper use of my credit report through dispute resolutions and other measures spanning from XXXX to the present, the persisting issue raises concerns under 12 CFR 1022.3 Definitions, where " Identity theft '' is defined as a fraud committed or attempted using someone else 's identifying information without authority. Any addition to my report without written consent could be deemed a form of Identity theft. This not only poses a threat to my consumer identity but also detrimentally impacts my creditworthiness, causing adverse consequences that extend to various aspects of my life.

In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies must carry out their significant responsibilities with equity, impartiality, and a regard for the consumer 's privacy rights. The entities in question, namely XXXX, XXXX, and Experian, function as consumer reporting agencies, with me being the concerned Consumer. I hold the right to ensure the confidentiality of my personal information, as supported by 15 USC 6801, which articulates Congress 's stance on financial institutions ' obligation to uphold customer privacy.

Under 15 USC 1681 section 604 a section 2, it is specified that a consumer reporting agency may only furnish a consumer report based on the explicit written instructions of the related consumer. I wish to assert that neither the financial institution ( Furnisher of information to credit agencies ) nor the Consumer reporting agencies XXXX, XXXX, and Experian possess my consent for such information sharing, verbal, non-verbal, written, implied, or otherwise. All forms of consent to XXXX, XXXX, Experian, and ( Furnisher of information to credit agencies ) are hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of the nondisclosure option. Regrettably, ( Furnisher of information to credit agencies ) failed to apprise me of my right to exercise this nondisclosure option. Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a report without the consumer 's permission. The inclusion of such adverse information without my consent violates the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, furnishing inaccurate information to a consumer reporting agency is strictly prohibited. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies like XXXX, XXXX, and Experian to maintain reasonable procedures to avoid violations. It is evident that these agencies are not adhering to reasonable procedures. 

Finally, in accordance with 12 CFR 1016.7, I assert my right to opt out of your reporting services at any time.
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I am writing to you in regards to the collection account that is appearing on my credit report. I have no knowledge of this account and have sent letters requesting validation to the medical collection agency, but they have failed to provide any proof. If they can not validate it, how can you report it?! XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/2023 Balance : {$50.00}. Since the collection agency can not provide any information about the debt, perhaps you can tell me who the original creditor is, what service they performed, where they are located, and the amount of the balance. Since the collection agency can not confirm it, I expect that you can not either, and thus, it must be removed from my credit report. If you fail to do so, I will be forced to involve the Federal Trade Commission.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-15
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: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-01-19
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: Convergent Resources, Inc. (AL)

While reviewing my credit report on XX/XX/2020, I discovered that there are inaccuracies on all three credit bureaus. I have filed a report with the federal bureau and the company, but it has not been resolved.
Consumer complaint received 2024-01-10
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. (UT)

My credit report shows that there is a bankruptcy which was furnished without my knowledge or consent. I have in return received multiple adverse actions due to all credit reporting agencies. It has affected my family, my lifestyle and most of all has caused so much public humiliation. 
I have reached out to all credit reporting agencies and each and every single one of them denied the request to remove. You have already caused unreputable damage. 
Remove the Bankruptcy immediately I want all charge off accounts updated to PAID AS AGREED And all hard/negative inquires REMOVED COMPLETELY You have reported over 25 transactions through negatively reporting my non public personal payment history.

I also reached out to U.S. Bankruptcy Court Utah District who also says they are not affiliate with ANY credit reporting agency.

15 USC 1681g ( a ) ( 5 ) a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Per 15 U.S. Code 1681n ( b ) - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ).

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6809 ( 5 ) 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

Repeated request for documentation that has been provided during a lengthy loss mitigation review with my lender, Ditech. Previous concerns as they had failed to acknowledge of my denial under " Keeping your home California '' program in the month of  XXXX ,  XXXX . Since  XXXX  of  XXXX , I have applied under a new review with Ditech and my file was closed out in  XXXX  due to " request for cancellation '' This is false, as I have never requested such thing to jeopardize my foreclosure. I am now again, in an active review, but am being asked for documentation again that I have provided via mail as I want to ensure this problem is resolved. No matter what I do, I feel as if I am being rejected from my cry out for help.
Consumer complaint received 2024-01-10
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)

I have submitted several disputes to Experian regarding fraudulent activity on my credit report. 

Despite providing substantial evidence to support my claims, I am concerned that the investigations have not been thorough or effective. This has resulted in unresolved discrepancies on my credit report that could negatively impact my financial well-being. 

I would like to request your assistance in ensuring that Experian conducts a comprehensive and diligent investigation into my fraud claims. I believe that my efforts to rectify this situation have not yielded the desired results, and I am hopeful that your intervention will help in bringing a resolution to this matter. 

Enclosed with this letter, please find copies of the supporting documentation and dispute communications with Experian. I believe these materials will provide insight into the ongoing issues and help expedite a fair and accurate resolution.
Consumer complaint received 2017-06-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (FL)

We had auto payments setup for our auto load form TD bank. Twice the auto payments got removed form our account causing us to incur late fees and to report negative stuff to our credit report. The reps told me there is a bug in their system with business accounts and auto payments. I am requesting to remove the report form my credit report and refund the late fees
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

I am filing my complaint because Equifax refuses to stand by their rules and standards as a company. I disputed an item on my credit XX/XX/2016. It is now XX/XX/2016 and the item still reads that it is under investigation on my credit report. Equifax refuses to delete this item after 4 months. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2024-01-10
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXXXXXX XXXX XXXXXXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I checked my credit report with wallet hub and realized my name is completly wrong and my address see my dispute as listed below. 

To, Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that I would like to address : 1.MY NAME IS TOTALLY WRONG AND THE CREDIT LINKED TO IT. MY LEGAL NAME IS XXXX XXXX XXXX XXXX SEE SOCIAL SECURITY CARD ENCLOSED AND DELETE THE NAME XXXX XXXX XXXX WRONG. 2. MY CURRENT AND CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX SEE PROOF OF ADDRESS UTILITY BILL AND CHANGE IT TO THE ABOVE ADDRESS REMOVE THE ADDRESS OF XXXX XXXX XXXX XXXX XXXX, SC
Consumer complaint received 2024-01-10
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)

I was a victim of identity theft and this company is still reporting this fraudulent account on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I am writing to bring to your attention certain discrepancies in the information being reported on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). This is the second time I reported this issue to XXXX ; however, there is still inaccurate information on my credit report. Under 15 U.S.C. 1681e ( b ), when information is challenged by a consumer, a CRA must in fact investigate the accuracy of an underlying disputed debt between a consumer and a creditor as part of its statutory obligation ( XXXX ) to use " reasonable procedures to assure maximum possible accuracy of the information '' in its credit reports; and ( XXXX ) to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. The Acct ( XXXXXXXX XXXX Acct # XXXX ) reported on my credit profile has multiple inaccuracies such as Date Reported, Lasted Date Of Activity, and Payment History. XXXX reported Date Opened XX/XX/XXXX and Experian and XXXX reported date opened XX/XX/XXXX. The DLA ( last date of activity ) is inconsistent meaning there's conflict that this debt could have been illegally re-aged which is an additional FCRA violations. Date Reported and Payment history are also inconsistent within all three credit bureau. If XXXX has verified the debt and did an investigative then there shouldnt be any misrepresentations being reported on my credit profile. 

Payment History XXXX listed ( NONE LISTED ) XXXX Has history reported Experian Has History reported Last date of activity XXXX XX/XX/XXXXXXXX  Experian XXXX XXXX XX/XX/XXXX Date Reported XXXX XXXX XXXX XXXX Experian XX/XX/XXXX Falsified credit information can result in a lawsuit and damages resulting XXXX  {$1000.00} per error. I would like an actual investigation, proof/ copy of original contract rectifying accuracy and verifying owe debt or account deleted from my credit profile within 30 of date.By continually reporting erroneous information on my credit report, XXXX is violating Section 1681 i of the FCRA XXXX and ( XXXX ) generally alleges that XXXX failed to follow reasonable procedures to assure the maximum possible accuracy of my information.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have disputed the 3 bankruptcies on my credit report several times. XXXX, Experian & XXXX  keep telling me that they verified them with XXXX XXXX. I have a certified letter from the Court house confirming that they do not and will never verify bankruptcies with anyone Including XXXX, Experian, XXXX and XXXX XXXX. By law, these credit bureaus can not report unverified information on my credit report but they refuse to remove it. This is a violation of the Fair Credit Reporting Act. Please have these bankruptcies removed : Reference # XXXX, XXXX, XXXX. 

Thank you
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CT)

I took a Parents Plus Loan for my daughter in XXXX when she started at the XXXX in XXXX CT. It was $ XXXX. so {$40000.00}. I had to put it on forbearance a couple of times and here we are XXXX years later and the balance is {$47000.00}. Really? I have called Navient and all they tell me is that interest. I pay {$400.00} per month and it is not going down. I am going to be XXXX in XXXX and I DO NOT want this coming out of my Social Security check NOR do I want to hear Parents Plus Loans are not eligible. My daughter gives me the money, but over {$50000.00} has been paid. Why do we owe {$47000.00}?? This just is not fair.
Consumer complaint received 2016-02-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I am XXXX XXXX. My husband, XXXX XXXX, died XXXX. He had taken out a mortgage with Ocwen Loan Servicing. The note is insured & should have been paid off upon his death. Ocwen refuse to pay off the loan & requires that I continue to pay it or they will foreclose. They said the insurance is for their protection. I have to pay this mortgage although I did not sign or authorize the mortgage. 
Ocwen was notified of the death of the borrower ( XXXX XXXX ), and a death certificate sent to them, yet they refuse to use the insurance to pay off the mortgage. Ocwen, consistently states that they can not communicate with me because I am not authorized on the loan ; yet, they continue to require monthly payments, or they will foreclose on the property. Ocwen should return all of the money that I have paid after the death of XXXX XXXX, for the past 2 1/2 years ; with interest. Ocwen is being paid double. Ocwen states that I I am not authorized on this loan, yet they continue to send & request payments each month & will not/have not used the mortgage insurance to pay off XXXX XXXX 's loan. This is not a good practice and it 's causing me great financial hardship and stress.
Consumer complaint received 2024-01-10
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. (NJ)

Under the Fair Credit Reporting Act ( FCRA ), credit reports must accurately reflect a consumer 's credit history. Any discrepancies, such as incorrect late payments, closed accounts, or unauthorized inquiries, violate this federal law, granting you the right to dispute and rectify these inaccuracies. 

Social - XXXX
Consumer complaint received 2016-11-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (DC)

My payment was applied incorrectly. I applied {$1300.00} to # XXXX and {$400.00} to # XXXX. I then received confirmation emails supporting this. 

Somehow, the entire {$1700.00} was applied to # XXXX.
Consumer complaint received 2024-01-10
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XXXXXXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.