davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NC)

XX/XX/scrub>XXXX XXXX  I submitted a 2nd formal complaint regarding the cancellation of all my student loan debt to Mohela as I am eligible for the PSLF loan forgiveness program. I sent Mohela copies of proof with XXXX XXXX XXXX XXXX XXXX XXXX  as well as the required form. I still have no action from Mohela to date. They continue to send me invoices. I call Mohela and receive different information from the reps about what I need to do. I comply with everything and still NOTHING has been done. Yet, I have family and friends who also XXXX and qualified who have had their loans forgiven. I also have a loan with a college that is no longer accredited on my account and Mohela has still not done anything to resolve this matter.
Consumer complaint received 2015-08-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO Bank, N.A. (IL)

My husband and I have a home equity loan with BMO Harris. When we filed bankruptcy over XXXX years ago, they disabled our online account so that we could not view our account activity. The bankruptcy has been discharge and our loan has been modified, but I am told that I can not use online banking to so much as view my statements. They are not mailing me statements. I do not have access to normal customer service, I am told I have to talk to the loan mitigation department, which does not always answer their phone during business hours ( I often get voicemail ). As a customer, I want to be able to talk to someone during business hours, receive statements, and be allowed to view my account activity online. I have no idea if any of the payments I have made over the past year or so have even been credited to my account.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Following 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. I did not authorize them and they do not have a Permissible Purpose on my behalf.

15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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.

The accounts below have violated my rights. Please delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

have reached out multiple times about Account XXXX XXXX and XXXX who have been reporting since XXXX XXXX in the amount of {$48000.00} and now XXXX since XXXX in the same amount of {$48000.00}. in which they are still reporting to all three bureau 's i have in formed them of this issue many time using this information under the TheFamily Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. / 20 USC 1232g ( b No funds under anyapplicable programshall be made available to any State educational agency ( whether or not that agency is aneducational agency or institutionunder this section ) that has a policy of denying or effectively preventing, the parents ofstudentsthe right to inspect and review theeducation recordsmaintained by the State educational agency on their children who are or have been in attendance at any school of aneducational agency or institutionthat is subject to the provisions of this section. 

and the, the Fair Credit Reporting Act states 15U.S.Code1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal, and non-verbal per 15 USC 6802. 
15U.S.Code6805- Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Consumer complaint received 2024-11-10
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. (CA)

I Looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXXXXXX Account Number XXXX, XXXX XXXX XXXX account # XXXX are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 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 2024-11-11
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. (GA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want these XXXX new credit check without my consent i want them remove from my credit report my as my credit has a fraud alert on it and i have received no call to confirm my identity XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING to section atc ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-10
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. (CA)

I Looked at my report back on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 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 2024-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in questopn XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In according with the Fair Credit Reporting Act account name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  PA XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 2 : It also States Consumer Reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2024-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is about the SIX complaint for the listed credit bureaus failing to properly investigate and or correct or delete the factual inaccurate and incomplete data being listed on my consumer credit reports. The data across all 3 major credit bureau reports are mismatched, dofferent to include different dates of last activity, dofferent payment status on alledged charge off accounts. Alledged charge off account is listing as a collection account so which one is it? A charge off? Or collection account? Some list a term limit as a term limit is an agreed upon term to pay back a debt. I dispute this debt, it was never properly verified and validated. 

Data furnishing company is being allowed to list 3 different dates of last activity. The date of last activity being updated makes the alledged account appear to be new and reaging the account for the common purpose of further hurting a consumers credit score. 

Additionally the account is listing late payments of 120 days and being allowed to do so by the credit bureaus, however on 2 other reports it is incomplete and blank. 

I am now requesting {$1000.00} for the repeated and clear violations of the FCRA as well as the other violations ofbthe federal laws and standards for 1. Allowing factual inaccuracies to be reported and inconsistent across all 3 credit bureaus. 2. the credit bureaus for failing to properly investigate and correct and or delete the factual inaccuracies. How can it be accurate reporting different information on all 3 credit bureaus?

This is outrages, irresponsible, and clear numerous violations to ensure the consumer rights
Consumer complaint received 2024-08-01
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. (TX)

My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently notified your organization about this issue and now formally demand the immediate blocking and removal of these accounts from my report. Their presence has caused considerable emotional and financial strain by misrepresenting my credit history and obligations. If not properly addressed, I am ready to pursue legal action to defend my rights and seek resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2024-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I CHALLEGED THE ACCURACY OF XXXX XXXX XXXX BEING REPORTED ON MY CREDIT REPORT. THE ORIGINAL CREDITOR IS BASED IN OHIO. i AM A XXXX  XXXX & I AM A VITCIM OF IDENTIY THEFT. UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute : Inaccurate Date of Last Activity and Account Balance To Whom It May Concern, I am writing to formally dispute the inaccuracies regarding my credit account XXXX  XXXX ( Account XXXX as reported on my credit report. Specifically, I am challenging the reported date of last activity and the balance owed, both of which show a significant incongruity that must be resolved immediately. 
Specifically, I have observed the following inconsistencies : - XXXX XXXX XXXX Reports no date of last activity or balance owed. 
- **XXXX  : ** Reports the date of last activity as XX/XX/XXXX and a balanced owed of {$910.00}. 
- **TransUnion : ** Reports the date of last activity as XX/XX/XXXX and a balance owed of {$930.00}. 
- **XXXX  : ** Reports the account as OPEN - **TransUnion : ** Reports the account as DEROGATORY I calculate 4 inaccuracies currently. {$1000.00} per violation We are expecting a check mailed to us in the amount of {$4000.00}. 

The date of last activity reported is inconsistent with my records and does not accurately reflect the actual transactions associated with this account. Furthermore, the balance owed is not only incorrect but also misleading. Such discrepancies reflect a failure to maintain accurate and reliable information, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).

I demand that you conduct a thorough investigation of this matter and provide the following : 1. A detailed explanation of the reported date of last activity.

2. Verification of the current balance and a breakdown of how this figure was calculated.

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

Your immediate attention to correcting these inaccuracies is not only expected but required. I will be monitoring your response closely and will take further action if necessary. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN accordance with the fair credit reporting act account # XXXX has violated my rights 15 U.S.C1681 Section 602 A. States 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
Consumer complaint received 2024-08-01
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. (AL)

I am writing to bring to your urgent attention the ongoing issues with several disputed accounts on my credit report. Despite my previous communications and requests for a thorough investigation into these inaccuracies, I have yet to receive a satisfactory resolution. The presence of these erroneous accounts is causing significant harm to my credit file, which in turn is severely affecting my daily life and financial stability. 

The negative impact of these inaccuracies can not be overstated ; they are hindering my ability to access essential financial services and are creating undue hardship. Therefore, I respectfully request that you conduct a comprehensive investigation into each of these disputed accounts. It is crucial that these errors are corrected promptly to reflect an accurate and fair representation of my credit history. 

I kindly urge you to prioritize this matter and take the necessary steps to rectify my credit report without further delay. Restoring the accuracy and integrity of my credit file is vital for me to regain control over my financial well-being. Your prompt action and support in resolving this issue would be greatly appreciated. 

Thank you for your understanding and assistance in this critical matter.