davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-15
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. (FL)

XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/2022 - XXXX  XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/2022 - XXXX XX/XX/2022 XXXX XXXX XXXX My information is being used and now with these inquiries that are popping up on my report are affecting my ability to stabilize my families quality of life.
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (IL)

I sent in a dispute letter in on the XXXX of XXXX to XXXX and Experian I have not heard back from them and its pass 30 days they are not taking the unverified inquiry off my credit reports and it is stopping me from getting new credit and my credit score
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (FL)

US Bank XXXX department was paid and has yet to give me a letter with there Bank logo on it. 

They send me some type of letter with nothing on it as proof. 

Have gotten nothing but the run around with US Bank in regards to this situation.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 2022-07-15
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: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$370000.00}.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my dissatisfaction with the results of the reinvestigation of my dispute that I submitted to XXXXTransunion XXXX XXXX XX/XX/2023, through the CFPB portal. [ Account XXXX. All is being investigated by the FTC ]. Despite my efforts to bring to your attention the inaccurate information appearing on my credit report, including the XXXX XXXX account that I have disputed, I was disappointed to learn that the only action taken was to update my address and add a telephone number. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Furthermore, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ].

These violations have caused undue stress and financial strain on my life, and I demand that they
be rectified immediately. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Therefore, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX account completely removed from it. 

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. 

Reporting of inaccurate information is a serious matter, and I urge you to take swift action to rectify this issue. I believe that the following CFPB codes may be relevant in this matter and I request that you consider them when reviewing my dispute : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA, and Section 1681b of the FCRA. 

Thank you for your attention to this matter. I look forward to receiving a prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I applied for the loan forgiveness plan ( XXXX  ). I submitted all required information. 
I received a letter from MOHELA stating that I have one final payment. 
( XXXX XXXX ). Recently, I received a letter from MOHELA with a payment plan for 12 months. ( XXXX, XXXX  ) MOHELA is not abiding by the letter that they sent me regarding XXXX final payment..
Consumer complaint received 2022-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MI)

Good Morning, My student loans were held by FedLoans for years, and I've never had any problems until now. I am under the impression my loans maXXXX have been sold to to another agency, but I have not received much guidance on how to access that agency or when that will take place. 

I have attempted to contact FedLoans by phone, email, and live chat, but no representative has contacted me or offered any help. My loan status is incorrect, and has been incorrect since late XXXX. I requested a Forbearance in XXXX while I was struggling with my income, and then the pandemic hit. I was informed the Forbearance should cancel after 12 months and I would need to reapply. I did not reapply as the Government was allowing student debt to be paused, including interest. 

Due to their clerical error and my loans having an incorrect status, I was assessed another {$2000.00} of debt to my balance from unpaid interest. I have been asking them for a formal review of my balance with no response. If I am under obligation to pay this debt, I would like an explanation at the very least. 

Thank you for your assistance, XXXX XXXX
Consumer complaint received 2022-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

After I received a copy of my credit report and discovering inaccurate and missing information being reported, on XX/XX/2022 I sent letters to Equifax and XXXX about these information and asked them to investigate and remove those erroneous information from my credit report affecting my credibility. But unfortunately till this day I haven't received any correspondence from them in regards to my dispute. I feel my right to fair credit reporting violated and being ignored.
Consumer complaint received 2022-11-14
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. (GA)

Ive filed numerous disputes with Experian regarding a closed/charge-off/collection account for XXXX XXXX XXXX also known as XXXX XXXX XXXX. The debt was sold to XXXX XXXX where there the was settled/paid in full. Ive submitted documentation to Experian when disputing debt for the account to be close as it was settled in full but Experian keeps updating debt as CO instead of reviewing documents provided from XXXX XXXX showing the debt has been settled in full. Account is a secured loan opens on XX/XX/19 original balance of {$560.00} now {$900.00}
Consumer complaint received 2022-11-14
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$25000.00}
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XXXX XXXX XXXXXXXX XXXX  credit card I closed this account back on XX/XX/2023 when speaking to their representative I was informed I had a XXXX balance. I confirmed this a second time with this representative before completing my call. Then my credit reports showed I was 30 days past due and dropped my credit scores dramatically.i called this company again and spoke to another representative around XX/XX/2023 this representative stated that I closed the account with a XXXX balance and they added fees after this account was closed. He also stated it would be corrected or deleted on my credit reports by XX/XX/XXXX. Then I got hit with a 60 day late payments reported to the credit bureaus. a again called and spoke with a supervisor who couldn't even verify my phone call or close date and said this account was closed XX/XX/XXXX. I told him I wanted the phone calls reviewed by their back office. I called back again and spoke to another supervisor who claimed they admitted the call on XX/XX/2023 the representative stated I had a XXXX balance and they gave me incorrect information and the phone call when I closed this account they said that representative stated there was a {$6.00} XXXXfee on the account which is a 100 % lie. If that was the case I would have paid it then. I asked her and reconfirmed I had a XXXX balance. Anyway the last supervisor I spoke with said I had a balance of {$58.00} at this point even though this was still under investigation by them and offered to wave late fees on the fees and I reluctantly made a {$20.00} payment with them feeling like a victim and to just to stop them from continuing to falsely report to the credit bureaus. I also asked to speak to a manager who she stated were gone for the day but one would call me back. Never received a call back. Also I asked this supervisor to have a different person review the phone call on XX/XX/XXXX because I know the representative told my twice I had a {$0.00} balance! I have never missed a payment and kept this account in good standing for over a year also one of the credit bureaus is reporting this account was closed XX/XX/XXXX I believe it was XXXX and TransUnion shows XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

Billing Error amount of {$2400.00}. One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. 15 U.S. Code 1666b, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-07-29
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. (CA)

In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  15 U.S.AC 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumers to any agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I work for a nonprofit and have twice  submitted my employer 's cerfication to MOHELA and gotten rejected. This same employer has been approved for most of my past payment periods. The one payment period that was not certified was recently reviewed by XXXX and found to have been denied in error. I uploaded a copy of this letter to MOHELA via the app and they deleted the record. That omitted period alone is the difference between my loans being forgiven with the 120 qualifying payments. The reason why MOHELA says I do not qualify foe forgiveness is incorrect. " You are not eligible yet, as you have not yet made the required 120 qualifying payments necessary to be eligible for PSLF. To qualify for PSLF, you must make 120 qualifying payments. In addition to making 120 qualifying payments, you must also be working full-time for a qualifying employer at the time you apply for and receive forgiveness under PSLF. '' I have both made 120 qualifying payments ( actually, more under the XXXXSLF rules ) and also work for a qualifying employer with a nonprofit status. My employment has not changed in 7 years. See below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | TAX-EXEMPT SINCE XX/XX/2009 EIN : XXXX Classification ( NTEE ) Primary, Elementary Schools ( Educational Institutions and Related Activities ) Nonprofit Tax Code Designation : 501 ( c ) ( 3 ) Defined as : Organizations for any of the following purposes : religious, educational, charitable, scientific, literary, testing for public safety, fostering national or international amateur sports competition ( as long as it doesnt provide athletic facilities or equipment ), or the prevention of cruelty to children or animals.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.