davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

I submitted a SAVE IDR plan to Mohela through studentaid.gov and when Mohela generated a monthly payment, it was way in excess of what I was paying before the pandemic and in excess of the loan calculator. I called Mohela on XX/XX/ and talked to a representative who said that there had been an error and she would resubmit with correct numbers and recalculate. It has been two months and this has not been done, and today XX/XX/ Mohela alerted me that my upcoming payment will be the same amount before I complained
Consumer complaint received 2023-05-31
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: Credence Resource Management, LLC (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XX/XX/XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XX/XX/XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XX/XX/XXXX) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-30
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX  XXXX ACCT #, XXXX  XXXX ACCT #, XXXX XXXX XXXX XXXX ACCT #, XXXX XXXX XXXX XXXX ACCT #, AND XXXX XXXX ( COLLECTION ) ACCT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-31
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. (TN)

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 resident verify XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 experian XXXX XXXX XXXX XXXX XX/XX/2022 experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 experian XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX - XX/XX/2022 XXXX Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/2022 XXXX have tried to dispute these inquiries but they have not removed them i do not recognize these at all and need them to be removed
Consumer complaint received 2023-05-29
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-31
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: W&A Intermediate Co., LLC (FL)

Wakefield & Associates Have Two Derogatory Statements That Have Impacted My Credit Report And Stopped Me From Obtaining Credit Cards And Any Thing That Credit Offers My Score Has Dropped XXXX Points And It Has Reiund My Score Wakefield & Associates XXXX Wakefield & Associates XXXX
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

i have called Experian and filed a dispute on a voluntarily repo from XX/XX/XXXX. My husband lost his job and it was either keep a boat or our home. This was a boat that XXXX XXXX XXXX took back and sold. Now in XX/XX/XXXX it is showing on my credit report that it was repossessed again in XX/XX/XXXX. I have called Experian and XXXX and completely ignored. This is showing on my credit report and my husbands credit report. I want this corrected to show the date was a voluntary repo in XX/XX/XXXX not XX/XX/XXXX. This has affected my negatively in getting a loan.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (UT)

XXXX XXXX, 2015 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.
Consumer complaint received 2023-05-31
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. (OH)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, R ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$980.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX ONEMAIN XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX M XXXX XXXX XXXX A XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX  XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2023-06-05
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX XXXX/ Account number XXXX XXXX XXXX/ Account number XXXX 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (LA)

I am a borrower whose loans are with MOHELA and am currently waiting for PSLF, especially verification of my employment history. I submitted three separate forms for my employment to be verified along with my PSLF application in XXXX, and to this day ( XX/XX/XXXX only one form has been processed. I called MOHELA eight weeks ago and they said they would follow up ; I have called today and they said the same thing. I would like my full application to be processed before student loan payments resume. I should be eligible for full PSLF having been employed for ten years, but MOHELA seems unable -- or unwilling -- to process the forms.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica ()

Direct Express locked my account. I believe it was because a new card was sent to an old address Customer service has refused to open the account and let me with draw my funds. They are holding two Social Security pension checks one for XX/XX/XXXX and one for XX/XX/XXXX. Customer service began to hang up on me after checking their records and the number of contacts They initially asked that I submit a list of documents to verify my identity. I explained I was retired more than XXXX XXXX XXXX XXXXXXXX XXXX XXXX, lived out of the country and would submit what I had. I sent my social security card, expired XXXX XXXX XXXX XXXX XXXX current XXXX XXXX with picture and US marriage license. I went to the XXXX XXXX XXXX  in XXXX XXXX and they signed off on my documents and verified my identity. Direct Express refused to accept any of them. I could not produce a drivers license as I never had one. I could not produce a current wok ID as I have long been retired I need to retrieve the funds from my closed account
Consumer complaint received 2023-05-31
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. (GA)

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  I inquired on XX/XX/XXXX, XXXX XXXX  XXXX inquired on XX/XX/XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX My complaint is against Experian : Experian has gone through my whole credit file, and re-aged debt information from XX/XX/XXXX, to falsely show as if I have New Collections, and Charge Offs from XX/XX/XXXX, through XXXX of XXXX, thereby destroying, and slandering my credit. 

Consistently they do whatever to lower, and keep my credit score at a FAILING level. 
Positive updates that should be taking place monthly onto my credit file, are not. 

Anything derogatory, false, fraudulent, untrue, and at times even not belonging to me, is placed onto my credit file. 

In XX/XX/XXXX, I had filed a complaint with the CFPB against XXXXXXXX XXXX, and its collection cohorts. 
I have several accounts listed on my credit file, that since XXXX of XXXX, I have had nothing to do with, going on 4 years. 

I am attaching a copy of an ALERT from the Better Business Bureau, regarding XXXXXXXX XXXX. 

For years Ive made complaints about XXXX, for all of the same reasons, plus more, like in this ALERT. 

**** TODAY, MY COMPLAINT IS SOLELY ABOUT EXPERIAN as it relates to the reporting of the old XXXX, and their cohort collectors, and the other NEGATIVE derogatory accounts that are on my credit file. 

ON XXXX, XXXX, I learned from XXXX lenders, and an insurance agent that I was going to do business with. 

I learned that in XX/XX/XXXX, Experian has gone through my whole credit file, and has lowered my credit score, even lower to the 500s. 

Someone at Experian, took ALL old XXXX Negative accounts on my credit file, and they re-aged the accounts to look as though they became negative as of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Experian has removed the original XXXX status history information, so as to make this New false fraudulent information look as though it is accurate. 

This was done intentionally to cause Irreparable damage, and it was done in collusion with, and on advice from XXXX, and its collection cohorts, because I had recently filed complaint against them.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (TX)

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

XXXX XXXX : Account number starting in # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (CA)

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

Account name : XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, account name XXXX XXXX XXXXXXXX, XXXX, # XXXX, XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (NM)

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

XXXX XXXX XXXX : XXXX, XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.