davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (WI)

MOHELA continues to report my student loans as multiple separate loans with varying amounts and dates- all under the same account number - rather than a single account. They have incorrectly reported delinquency days- for example, in one instance it shows 90 days delinquent in XXXX of XXXX but XXXX, XXXX and XXXX are not delinquent. So how can there be a 90 day delinquency? 

MOHELA has refused to recognize my category XXXX XXXX status as determined by the XXXX XXXX XXXX  despite being provided with the information of determination. 

All three NCRAs are showing 7 delinquent accounts on my credit report but without displaying any actual negative or delinquent account. The only exception is these incorrectly reported MOHELA accounts. I have made previous disputes with the NCRAs and it has not been fixed. As of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( my bank ) sent me an alert because XXXX dropped my credit score by more than 50 points in a single day. It would appear that either the NCRAs or MOHELA ( or both ) are getting ahead of the Supreme Court decision and publishing ruinous and incorrect information related to student loans as all other accounts are in good standing and paid on time. 

XXXX has a product it uses with banks, and rarely reflects the same as their other products. They are also the flagship that the other two, XXXX and XXXX, follow for reporting. Attached you can see where my score was dropped by XXXX points with no explanation. It also lists my payment history as a " D '' grade but with no actual negative information attached as I DO NOT have ANY delinquent accounts. Which is confirmed in all three NCRA reports, though all three NCRA agencies are also reporting " 7 delinquent accounts ''.
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX VIOLATED my rights. 

15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Consumer complaint received 2023-06-24
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. (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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-24
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. (MD)

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, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX, MD XXXX ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX ) XXXXBalance Owed : {$150.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance Owed : {$700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX BalanceOwed : {$760.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$700.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

If there is any name in your system that does not match the first and last names listed on this letter, it is imperative that you remove it. My only name is XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX My only address is XXXX XXXX XXXX, XXXX, GA XXXX. Please make sure you remove any address in your system which does not match the address listed on this complaint
Consumer complaint received 2023-06-24
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$56.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$6.00} ; XXXX XXXX Balance Owed : {$15.00} ; XXXX XXXXXXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00}.
Consumer complaint received 2023-08-09
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. (GA)

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.

has violated my rights. Or list of inquiries 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 2023-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

This dispute is with Synchrony Bank. 

I paid off my card in full, then months later received an email about my minimum payment due. I went online and saw that there was a charge for over {$600.00} that was not made by me ( no charges had been made by me since I paid off my card ). I reported this as a fraudulent charge with the bank and was told it would be resolved after an investigation. No further communication was made to me through the " investigation '' and I just received an email again telling me they put the charge back on my account. 

The fraud department won't call me and never contacted me during the " investigation '' all I received was a cryptic email that I had to click some link to show a PDF of a document that looks like its from 1980 saying they investigated and are stating the item was shipped to " my address '', they didn't even list my address nor provide any detail on this information. This is a flat out lie. 

I've tried to resolve this with them and they have hung up on me when calling, they have given me the runaround with the " Fraud supervisor '' saying they can't answer any questions about the fraud and that only the " investigation team can '' and I must call this or that department. No one seems to have the ability to help me and they wouldn't accept my request to have them delete my auto pay information from their system. They also told me if I wanted a transcript or recording of our calls that I would have to subpoena them.
Consumer complaint received 2023-06-24
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. (GA)

Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-24
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. (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.

The letters are stated with items and issues.

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 2023-08-08
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. (GA)

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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

My car was in a total loss XX/XX/2023. I starters insurance claims right away. XXXX made my insurance payment XX/XX/XXXX. The account showed current and no pmts due. The next day it showed past due. Several times I called and checked the site/company and was instructed I was in good standing. 

1. When asking for a supervisor I was told they had no way to get in touch with one in total loss dept. 
2. I confirmed with XXXX  XX/XX/XXXX that the payment had arrived. 
3. Ally told me to allow XXXX business days to post it? If they had it why was there a delay in posting? 
4. I asked for a deferment to help during this time. The rep told me they can not do anything during a claim. 

I am concerned my perfect pay history may have been inaccurately reported. I also believe that the payment was posted non advance the. Re posted normal. That left me past due.
Consumer complaint received 2019-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

New Information PLEASE READ : This account ( Acct : XXXX ) ( {$330.00} ) has passed the statutes of limitations. According to the Fair Credit Reporting Act : [ The 7-year ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ] The first reported delinquency was reported prior to XX/XX/XXXX, more than 7 years ago. XXXX XXXX in their last response provided a letter stating that the account was CLOSED XX/XX/XXXX. This account was never re-established after being closed. I believe that this account was ERRONEOUSLY RE- AGED. I was told that there was one payment made in XX/XX/XXXX and another in XX/XX/XXXX. My records show no payments made during those years. ( even if payment had been made to the closed account, it would not have, according to law, re-established or properly re-aged the account ). For simplicity sake, I asked for verification of payments and was told that the records were not available due to age and the fact that this account belonged to a prior bank XXXX. 

I have had a very good and very long ( 20  year ) relationship with XXXX XXXX and would like to amicably resolve this issue.
Consumer complaint received 2023-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

I received a text message at XXXX XXXX from the phone number ( XXXX ) XXXX : " Chase Alerts : Did you attempt to send a wire transfer for the amount of {$4500.00} Reply XXXX or XXXX. STOP to end. '' I received a phone call that my caller ID labeled as Chase ( XXXX ) XXXX. The caller identified himself as a member of JP Morgan Chase 's wire fraud team. He asked me if I authorized any wire transfers or if I knew anyone by the name of XXXX XXXX. I replied I did not. I was then guided through my online account to submit what he referred to as wire transfer reversals. My husband verified that they were calling from actual chase bank numbers. We trusted them. I submitted two wire transfers one for {$12000.00} to XXXX XXXX and the second for {$9100.00} to XXXX XXXX. They had me enter my name into the return account so I assumed it would be returned to me. 

When I realized this wasn't right it was to late. The wire transfers were completed. My banking institution told me I was likely not going to get these funds returned. They filed a claim but told me that they were going to deny it since I was the one that made the transactions. Even though I was fraudulently led to believe it was my bank and their information was indeed compromised as well. 

So I am filing this with hopes that corrections can be made and I can get my money back.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted more disputes than I could count on one hand with Transunion credit bureau over the past XXXX months regarding incorrect reporting on my credit report from a company named XXXX XXXX. Transunion is clearly not looking at the documents I'm sending them that prove that XXXX XXXX is falsely reporting on my credit report. I sent Transunion payment history from XXXX XXXX themselves that shows they have been paid on time, transaction history from XXXX XXXX that shows XXXX XXXX has and is getting paid on time, and copies of my credit report from all three credit bureaus that clearly show that XXXX XXXX has reporting issues. For example, they're reporting to XXXX credit bureau that I've been late paying them for one month, and to the XXXX and TRANSUNION credit bureaus for XXXX months. Transunion really needs to take a hard look at what I'm sending as proof that XXXX XXXX is totally incompetent and falsely reporting on my credit report. Bottom line up front : XXXX XXXX has been getting paid on time every time via my XXXX XXXX card, set on automatic, and recurring payment with XXXX issues since they took over for the previous company, XXXX. You tell me how a payment can be late if it's set to automatic reoccurring payments. If someone would just get off their behind and call XXXX XXXX, this could all be resolved. Transunion is simply passing what I have to say XXXX XXXX and they are simply replying that they are responding correctly, and that's not correct, they're reporting falsely. Transunion needs to verify that this is correct and not just accept what XXXX XXXX has to say without verifying any of their reporting. All I'm asking for is that Transunion take the time to look at my documents, and they will see that XXXX XXXX is wrong. Please call XXXX XXXX to verify that the payment was setup for reoccurring and automatic payment ; therefore, the payment was and has never been late. If the payment was ever late, it was because XXXX XXXX didn't do their job and initiate the payment on time. Please clear this inaccurate and false reporting from my credit report. This is not okay. Furthermore, I was never notified in any shape or form about any late or missed payments EVER by XXXX XXXX. I wouldn't expect that to happen anyway because I had the payment set up on automatic payment. The sole reason I set up the payment was so that the payment was never late and a payment wasn't missed.
Consumer complaint received 2019-03-14
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. (WA)

The below has never been taken off my credit report and I was not told the disput was finished. 


Past Disputes XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX Item Results Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report. 
Dispute Reason Accuracy : This account is included in my bankruptcy.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

The letters are stated with items and issues.

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.