davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DE)

My loan servicer is MOHELA. I was automatically enrolled in the XXXX program. Then I consolidated before the XXXX deadline of XX/XX/year>. After consolidation, my loans were put in the standard repayment plan, with no notice to me. Under the standard repayment plan, I am not eligible to receive cancelation benefits from XXXX. I resubmitted an application for the XXXX program and have not received any information about whether or not I can be put back on that plan.
Consumer complaint received 2024-08-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am writing to dispute an unauthorized credit inquiries that appears on my credit report dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ] The inquiry was made by [ XXXX, BANK OF AMERICA, XXXX XXXX XXXX XXXX XXXX XXXX without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ XXXX ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim
Consumer complaint received 2017-07-14
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: EQUIFAX, INC. (FL)

On X/XX/2017, I submitted a dispute to Equifax and they refused to remove several accounts listed on my dispute. The accounts were submitted under identity thief. However, they refused to remove the accounts. I received no validation on why the accounts remained. According to the FCRA 605b a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I received no results until after 30 days and no valid reason why they remained. I am submitted a police report along with my dispute.
Consumer complaint received 2024-08-13
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: MOHELA (OK)

My XXXX  credit report showed XXXX mohela student loan accounts reported while I only had XXXX loans. XXXX of those accounts have the full balance in them XXXX subsidized XXXX unsubsidized while the other XXXX had the prior half balances that were also totaled into the full accounts. I disputed this multiple times and after several attempts of stating they were balances included in the full reported accounts they removed only XXXX of the XXXX incorrect accounts. They are reporting several XXXX dollars in false loan information by doing so. Mohela states it's not them and it's XXXX  and the mohela site only shows the {$8700.00} student aid balance in federal loans but XXXX  continues to show {$11000.00} in mohela loans. As I disputed this multiple times and XXXX  continues to show false balances and extra accounts while mohela responded with they are accurate or the correct information and balances would of been fixed I am filing this report.
Consumer complaint received 2024-08-13
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. (WV)

I noticed fraudulent accounts on my credit report recently. These need to be removed as they are damaging my creditworthiness. 
XXXX XX/XX/XXXXXXXX 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX * Balance : {$0.00}
Consumer complaint received 2024-08-13
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. (MS)

These accounts need to be deleted from my report expeditiously. No individual nor company had my permissible consent to place these items on my credit report in reference to 15 USC 1681b. This has been the 3rd attempt I've tried to get you all to resolve this issue. You continuely disregard the matter, knowing this goes against your policy according to the FCRA standards.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 XXXX
Consumer complaint received 2024-08-13
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've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Trans Union is listing erroneous and fraudulent information on my credit report. I have written Trans Union before and sent them the original documentation, that proves the information they have listed in my credit file is fraudulent. Trans Union has XXXX name listed on my credit report that is not mine. Trans Union has XXXX account listed on my credit report that is not mine. Trans Union has XXXX addresses listed on my credit report, that I have never lived at. Trans Union has XXXX telephone numbers listed on my credit report that are not mine. 

I have wrote Trans Union before and sent them the original documentation by mail, showing this information is fraudulent and erroneous ; but Trans Union will not remove this fraudulent information. Again I sent Trans Union the documentation that proves that this erroneous and fraudulent information should not be listed on my credit report, and asked them to remove it. But, Trans Union will not remove it. I am so frustrated and need help! 

Fraudulent and erroneous Information listed on my credit report that needs to be removed XXXX. Name : XXXX XXXX. Not my name, needs to be removed. My name is XXXX XXXX XXXX. Fraudulent Addresses : A. XXXX. Never lived here B. XXXX. Never lived here C. XXXX. Never lived here D. 16 XXXX. Never lived here 3. Fraudulent Telephone Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Not my phone number. 

4. Erroneous/Fraudulent Account : A. Creditor : XXXX XXXX XXXX. Account Number : XXXX I wrote this creditor XX/XX/2016 and requested documents, contracts or agreements with my signature showing that I owe them monies. They never responded and they had 30 days from receipt of letter to send to me. Nothing, they sent nothing. But Trans Union somehow " verify '' this item as belonging to me. So XX/XX/2016. I request the same documents from the alleged creditor again, still no documents sent to me. So XX/XX/2016. I mail dispute to Trans Union again, and also asked them for copies of documentation they have, that they are using to " verify this account '', since the alleged creditor does n't have any contracts or agreement with my signature on them. Because by law, the alleged creditor is supposed to send me a copy, if I request it. If not the alleged creditor has violated the FCRA. Trans Union, sent me no documentation either when I requested it from them and Trans Union " verify the account again ''. Trans Union is not giving me a proper investigation and Trans Union is knowingly and willfully placing fraudulent and erroneous information on my credit report. As you know a consumer 's credit report must be 100 % accurate, my credit report is not and Trans Union is purposely violating the FCRA. Please make them remove the fraudulent and erroneous listed above off my credit report.
Consumer complaint received 2024-08-13
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. (NY)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this.Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit report contains fraudulent items that I never authorized or benefitted from. This misrepresentation is damaging to my character and deeply insulting, and I feel my rights are being disregarded, which is incredibly distressing. Although Ive already reported this to the Federal Trade Commission, the items remain on my report. Its disappointing that the system designed to protect individuals like me has yet to provide a resolution.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, 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)

Your Name Your Address Your Phone # Request for Investigation of Unauthorized Inquiry I checked my personal credit report, which I acquired in XX/XX/XXXX and I noticed several unauthorized inquiry had been made. I contacted companies who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into hard inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. 1.XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 4.XXXX 5.XXXX  XXXX 6.XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10.XXXX the inquiry  referenced above have been disputed please remove from my report Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2016-11-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

OWCEN made an error on my XXXX XXXX, 2016 and XXXX XXXX, 2016 account statements claiming I made an underpayment for the XXXX XXXX, 2016 and XXXX XXXX, 2016 payment due dates, when in fact I overpaid each monthly payment. The XXXX XXXX, 2016 statement stated that I am to make a {$570.00} payment by XXXX XXXX, 2016. I used OCWEN 's automatic payment system and instructed the OCWEN payment system to initiate a payment from my Bank Checking Account the sum of {$650.00} on XXXX XXXX, 2016 which did occur. However, the XXXX XXXX, 2016 OCWEN statement says that it applied an amount of the {$650.00} that was less than the required payment of {$570.00} and that I have underpaid my mortgage obligation by displaying " Prior Payment Shortage '', even though the balance of the payment was applied to principal. The XXXX XXXX, 2016 statement stated that I am to make a {$570.00} payment by XXXX XXXX, 2016. The auto payment amount that occurred on XXXX XXXX, 2016 was {$650.00}, however, the XXXX XXXX, 2016 statement says that I underpaid again and did not meet my obligation, even though the sum of the payment applied to the obligation and the excess principal payment exceeded the required monthly payment. I requested on XXXX XXXX, 2016 that OCWEN issue a corrected statement for both XXXX XXXX, 2016 and XXXX XXXX, 2016 but OCWEN 's representative ( I have the representative 's name and OCWEN Id number ) has refused to do so. The fact that my HELOC statement incorrectly shows on two occasions that I have underpaid by stating " PRIOR PAYMENT SHORTAGE '' will affect my credit rating. The above situation is apparently is a Payment Processing malfunction and I would suspect less knowledgeable Debtors would be unable to identify the error on OCWEN 's part and have their credit ratings unduly damaged.
Consumer complaint received 2019-10-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

My interest rate is high ; therefore my balance increased from {$68000.00} to {$140000.00} through forbearances and deferments. The accounts are also duplicate on my credit report, showing loans belong to department of education, navient, and XXXX. The amounts are duplicate and negative on each account, lowering my credit score. Staff with Navient are aggressive and not willing to lower payments. I am a single mother that can not afford proposed payments. I am also concerned about the rate in which my balance increased.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian is not allowing access to Unfreeze account : they do not send their security code, neither via text nor phone call, before their system logs me out after XXXX or XXXX, making it impossible to Unfreeze my report/account.
Consumer complaint received 2016-11-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received an email from my employer on XXXX/XXXX/XXXX advising I had a garnishment processed on my paycheck. 

Was given phone # XXXX to call XXXX and reference case # : XXXX. 

When I called a XXXX answered the phone and denied any request to not be recorded. Advised my mother was served my summon on XXXX/XXXX/XXXX, I advised I am not my mother. Then I was told I called in on XXXX/XXXX/XXXX but I did not. 

I asked for ownership of the debt to be mailed to me and stated I feel that my rights were violated because I do not understand how I can be garnished when I never had the chance to dispute said debt. 

When I asked what documents would be mailed to me, rep XXXX and Supervisor XXXX XXXX informed me they do not know and were not required to know what I am suppose to receive and would not provide me with the name of the regulatory agency I should follow up with if I feel that my rights were violated. 

If this debt is valid I want to make good on the debt and I want to keep misinformation from hitting my credit report. At this time I feel powerless because they already have garnishment withholding order in to my employer. 

I advised that if I do not receive the documents I will be at their office to request paperwork in person. 

They said they had me on recording acknowledging the debt but refused to provide any copy of the recording or to play the recording on the phone. 

Please help me. 

XXXX XXXX
Consumer complaint received 2016-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

My student loan was serviced by XXXX. They sold my loan to Navient during the same time I changed student loan service to XXXX XXXX on an income based payment plan. I am being double charged for my student loan. Navient has me in deferment while owing them the same amount as XXXX. I need Navient to leave me alone. I do n't owe them anything because XXXX paid XXXX for my loan already. I only need to pay XXXX XXXX. Please help me not double pay my student loan.