davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (NC)

The consumer reporting agency flagged me and the background report states that my drivers license is inactive-which is incorrect. My drivers license is active and now I will not be able to get this job because a valid drivers license is a requirement of employment. This reporting agency reported false information which cost me a job. They should be shut down and their licenses for reporting taken away!
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have ask for my agreement and my written consent acct # XXXX and XXXX as a consumer I am OPTING OUT of any and all written, unwritten, verbal, and nonverbal agreements I may or may not have as of the day this dispute is received.

pursuant ; 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
15 U.S. Code 6802 - Obligations with respect to disclosures ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 USC 1681n and 1681o ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 16 CFR 313.2
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-16
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: Navient Solutions, LLC. (ID)

department of education navient said i was 160 days late on my loan during a time in which my loan was in deferred status while i was awaiting approval for XXXX combat veterans loan forgiveness and if approved it backdates from the date of XXXX which was before i even went to school so i placed my accounts in deferment XX/XX/2016 lasts for 6 months then i added another one around XX/XX/2016 so i couldn't have been late and after that i was approved for the loan forgiveness but the negative marks still are there i disputed it roughly 6 times with the 3 credit bureaus and within a week they came back as it was verified i asked how they never responded. so i disputed it with navient and was told they couldn't delete the late payments only the bureaus could which is a lie.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (IL)

Im filing a complaint against Equifax. I am a VICTIM of identity theft, and I have followed the proper channels by submitting detailed information, including police reports and evidence of the identity theft, yet Equifax has failed to conduct a proper and timely investigation. Up to now I STILL HAVENT RECEIVED ANY INFORMATION OR RESOLUTION REGARDING MY DISPUTES! And I am disputing these accounts to be removed as these are fraud accounts. I insist that I have no idea how the theft took place. I also do not know any suspects. I did not receive any money, goods, or services as a result of identity theft. I insist that you cease the practice of routinely refusing my requests without proper validation. I need these fraudulent accounts removed from my credit report promptly. 
XXXX XXXX  XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!
Consumer complaint received 2024-01-04
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: HYUNDAI CAPITAL AMERICA (FL)

Hello, this happened on XX/XX/2023, I went to a car dealership to buy, I shared my personal information so that an inquiry could be made with my bank, but apparently they shared this information with many other lenders without my authorization, so I am disputing these inquiries, which I do not know
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

I am enrolled in the PSLF program and MOHELA has incorrectly placed me on a Level repayment plan which does not count towards PSLF. I have called numerous times to check on the status of my pending IDR plan. 

I applied for the XXXX repayment plan in XX/XX/XXXX. MOHELA/Student Aid has been processing my application since XX/XX/XXXX, and it is still " processing '' as of today, XX/XX/XXXX. Since XX/XX/XXXX, MOHELA has placed me on the wrong repayment plan. MOHELA has placed me on the Level plan, but previous to my re-application in XX/XX/XXXX I have always been on an IDR ( income-driven ) repayment plan in order to count my eligible employment toward the PSLF program. I spoke to customer service representatives at MOHELA back in XXXX and XX/XX/XXXX, who verbally verified the correct payment under the XXXX plan that would be applied to my account once payments restart, yet I never received written communication about this. For the last 2 months, MOHELA has disabled the message button on my account, so I am unable to directly send messages in order to have written communication on file. When I asked a MOHELA customer service representative for written verification of my conversations, they said no. 

Since then, I have reached out to MOHELA again to fix this issue and to place me on the correct IDR plan. They have me due for a payment today, XX/XX/XXXX, on the Level plan which is incorrect and will NOT count toward PSLF payments, as well as the payment amount being incorrect and much higher than what I would pay on my typical IDR plan. I have reached out 3 separate times during the month of XXXX alone to have this issue resolved and still no change to my account. As of XX/XX/XXXX, MOHELA has placed only half of my loans in Administrative Forbearance, with a XXXX plan payment still being reflected on my account. When I last spoke with a representative at MOHELA previous to XX/XX/XXXX, they misinformed me. I was explicitly told that my full account would be placed into forbearance until I was on the right repayment plan, since I have taken all necessary steps on my end to apply to an IDR plan to have my payments reflected for PSLF. As of today, there is no change on my MOHELA account. For the record, I have a 100 % on-time payment history for my loans and now due to MOHELA 's processing errors, misinformation, and lack of proper guidance, I may have a past-due payment reflected on my account and a full month of eligible employment not counting toward my PSLF. How is that fair, when I have taken all the correct steps necessary on my end to make sure I am on an IDR plan for my PSLF payment counts? 

I need further assistance with this matter as my calls to MOHELA have not remedied my requests and have created significant stress on my end over the last couple of months.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian manages XXXX other credit reporting agencies through their website. ( XXXX and XXXX ) Each credit reporting agency has different information on my credit report. I am agent for XXXX XXXX only. I do not use XXXX  other name, nor have I used XXXX  other name in the past or authorized any other name to be used. Experian, XXXX, and XXXX all have different information on credit file which is a violation of laws in place to protect consumer. 

-The addresses listed on my credit reports are non-mailable addresses that should have been removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX General XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX do not have a job so I am not sure why XXXX  the jobs are listed as XXXX XXXX XXXX XXXX. 

XXXX Accounts. 
I am being harassed by this creditor and late payments should not be on report per 15 USC 1666 Correction and billing errors. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC 1666 ; 11 USC 1692 ( d ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following was not authorized and request to be removed : Justice 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 : XXXXExperian has not investigated the matter or provided report of investigation even after proof was submitted. Per 15 USC 1601, request deleted from credit file or listed as paid as agreed. I do not owe XXXX  to this creditor XXXX. The creditor was paid already and falsely reported. Experian allowed the creditor to post fraudulent reporting without requested investigation and now has allowed creditor to change information again without proof or investigation. 
I have not received 1099 C for XXXX  of the XXXX XXXX accounts which are considered fraud. i have not received XXXX  notice XXXX  or otherwise asking if I want to opt out. 

XXXX  ACCOUNTS : Experian is reporting wrong dates and the following accounts as open which is not under FCRA Compliance. 
XXXX XXXX XXXX alleged account is not XXXX  and more than XXXX  no reporting until I disputed the charge. Experian refuses to investigate. Failed to provide contract or evidence requested. 

XXXX $ XXXX my acct and I have disputed this information. However, Experian failed to investigate. 
Both accts are actively engaged in ghost reporting to make it appear as though the accounts are active and open. My information was shared with these creditors in which I did not authorize. 

XXXX  items above, I requested deletion, updated as paid as agreed, and or removed as appropriate and I have received no assistance.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

I have been paying {$520.00} towards my 7 XXXX student loans, serviced by MOHELA, through their auto-debit service since XX/XX/XXXX. 

My owed payment each month is {$220.00}. 

My XXXX payment was applied to all 7 of my loans ' interest and principal as expected, but the XXXX and XXXX payments were only applied to the XXXX unsubsidized loans ( notated as loans 5, 6, & 7 on my account ). This allowed interest to accrue on the other 4 loans unpaid. 

On Thursday, XX/XX/XXXX I noticed this issue and contacted MOHELA at XXXXXXXX EST. 

The service representative confirmed that what I saw was occurring incorrectly, and after 50 minutes of investigation by her supervisor could only say that the payments were applied incorrectly and that it would not happen again going forward. 

I asked to speak to the supervisor who did the investigation as the explanation that they simply weren't applied correctly was unacceptable, as I have been paying more than double the payment amount and no loans or interest should be going unpaid. 

When 'transferred to the supervisor ' I encountered an automated message that no supervisors were available. 

I have had multiple loan servicers since I entered repayment in XXXX and have been paying more than my payment amount for years so I am 'ahead ' of the payment schedule. Despite this, each servicer before MOHELA has correctly applied my payments to owed loan interest first, owed principle payments second, and then applied the excess to loan principle. Previous servicers have even had a helpful form when setting up auto-debit for the borrower to choose how to apply that excess, for instance, to the higher-interest loans. MOHELA does not. 

When student loan repayment restarted with MOHELA in XXXX, I spoke with MOHELA on the phone to ensure that auto-debit payments would be handled in the same manner as my previous servicers and was assured that they would. 

This 'error ' on their part has allowed more than {$170.00} of unpaid interest to accrue on the 4 loans that have not been paid into since XXXX. 

Despite their assurances this will not happen again going forward and admittance that this was an error on their part, nothing was explained or offered to resolve this issue. Asking to speak with a supervisor simply sent me into an automated system and survey. 

This is a gross and unacceptable payment handling error on their part that has financial ramifications for me and likely many other borrowers affected by the same errors.
Consumer complaint received 2019-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

My student loan servicer, NAVIENT has : Misallocated payments Steered me toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.
Consumer complaint received 2024-01-18
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

A balance of {$1200.00} was paid to my new apartment with my Social Security Direct Deposit through Ace/Netspend ( Bancorp ) on XXXX. {$69.00} was paid later on XXXX ( same prepaid account, NetSpend ). 

My 1st month here was XXXX My rent is not due till XXXX XXXX due to a Special for us XXXX  I paid my new lease early on XXXX XXXX ' XXXX, when I received my Direct Deposit on XX/XX/XXXX for XXXX XXXX. Rodents were heard everywhere, All threw the walls, couldn't sleep. Finally took a nap and woke to dispute the balance paid of {$1200.00} + {$69.00} ( plus processing fees ). 

Received a copy of the Dispute and a statement : Claim : XXXX stating ; Provisional credit NOT issued due to the nature of the cardholdholders dispute with the merchant. It is NOT a billing error. Claim not covered by Regulation E. Next status update XXXX I canceled the Dispute. I have yet to receive anything. Today is XXXX ( There is a balance I disputed before. They put it in my account then took it back out in about XXXX seconds
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX  days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.