davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (NJ)

To Whom It May Concern, I strongly urge you to promptly eliminate any unsubstantiated assertions indicated in the content above or below from your publication. For you to be granted the conditional right to publish as the provider of supposed information, you are required to satisfy the minimal requirements. I categorically reject the publishing ability of any assertions that you are unable to substantiate with irrefutable evidence, even those that adhere to the obligatory reporting guidelines stipulated to be officially compliant, notably the indispensable Metro 2 Compliance standards mandated by CDIA in their CRRG, which explicitly warns that any deviation from said standards poses a threat to the accuracy of the information. 
Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or permitted this company to access my credit by way of a signed authorization bearing my signature. If unable to do so, have this DELETED from my credit file because it is making it very difficult for me to acquire credit? Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report The FCRA states that the only permissible purpose for pulling someone's credit is for A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Once again, DELETE! 

XXXX XXXX XXXX - XX/XX/XXXX I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or permitted this company to access my credit by way of a signed authorization bearing my signature. If unable to do so, have this DELETED from my credit file because it is making it very difficult for me to acquire credit? Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report The FCRA states that the only permissible purpose for pulling someone's credit is for A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Once again, DELETE!
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

My rights enacted by the FCRA, FCBA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Consumer complaint received 2024-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Subject : Mohelas Loan Reporting Errors and Failure to Discharge Loans per XXXX XXXX XXXX Issue : I am filing this complaint regarding Mohelas mishandling and inaccurate reporting of my consolidated student loans, as well as their failure to comply with my XXXX XXXX XXXX 

Details : My student loans were consolidated and transferred to Mohela. However, Mohela is inaccurately reporting several of my loans as discharged by XXXX when they should have been marked as Paid-in-Full by Consolidation. 
Mohela claims they never received certain loans from XXXX, but these loans were consolidated and should have been fully accounted for. 
Additionally, I have a XXXX XXXX XXXX, which entitles me to have my consolidated loans discharged, but Mohela has not taken action to comply with this discharge. 
Loans with Discrepancies : Loans from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX which should be marked as Paid-in-Full by Consolidation, are being incorrectly reported as discharged by XXXX. 
Mohela is holding me responsible for a balance that does not reflect the full consolidated amount, and these loans should have been discharged per my XXXX XXXX award. 
Impact on Financial and XXXX  Well-being : Inaccurate Loan Balance : Mohela is holding me accountable for a loan balance that does not correctly reflect the full amount that should have been consolidated and discharged. 
Failure to Discharge : Despite my XXXX XXXX award, Mohela has not XXXX my loans, causing ongoing financial strain. 
Negative Credit Impact : These errors have negatively impacted my credit report, as the incorrect reporting of loans has distorted my credit situation. 
Desired Resolution : Investigate Mohelas reporting errors and ensure that all loans are correctly marked as Paid-in-Full by Consolidation and transferred to Mohela. 
Discharge all my consolidated loans immediately in accordance with my XXXX XXXX XXXX, as required by law. 
Correct my loan balances and update my credit report to reflect the discharged status and remove any negative impacts caused by these discrepancies. 
Thank you for your attention to this matter. I look forward to a swift resolution and confirmation that my loans have been properly handled and discharged, as required by law. 

Contact Information : Name : XXXX XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/scrub>XXXX  SECURITY FREEZE
Consumer complaint received 2024-09-02
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. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-28
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. (NY)

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation!

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 2024-08-28
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. (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 15USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A. 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 2024-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

MOHELA transferred my loans to a different servicing site ( XXXX XXXX. In doing so they changed my due date, turned off autopay, lost my payment details, and then charged me late fees for the situation that can only be of their own making. In attempting to contact them the wait times are unreasonable ( 5-10 hours ) and I've been transferred between agents and dropped more times than I can count. The inbox that they set up on their website conveniently only retains records for 2 months ... making it impossible to gather the evidence required to support any claim of their wrongdoing. This company has been an absolute nightmare to deal with. Knowing that they are the XXXX who sued the US government arguing loan forgiveness was illegal makes this level of unsatisfactory service more anger inducing.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As a loyal customer, I have always strived to maintain a good standing with my mortgage provider. Prior to XXXX bank acquiring my loan I have never been late paying my mortgages. However, I recently discovered that a late payment was reported on my credit report. After reviewing my account, I believe this was an oversight caused by the lack of an online autopay option in your payment system, which I have always relied upon with other service providers to ensure timely payments. 
XXXX process for setting up autopayment was archaic and overly cumbersome to setup. It required me to ( 1 ) call customer service ( 2 ) customer service needed to email me a password protected form WITHOUT the password ( 3 ) a separate customer service representative would call at a later time to verbally give me the password. ( 4 ) The password verbally communicated was valid for a short period of time. ( 5 ) If the password wasnt used within the allowed time frame, the process needed to be repeated all over again. ( 6 ) once the form was unlocked, it needed to be printed ( 7 ) completed and signed by hand ( 8 ) them mailed back to XXXX Bank. This made it extremely difficult for me to set up autopay, which I heavily rely on to maintain timely payments of all my bills. 
XXXX Banks online payment system allowed me to store my payment account to make one-time payments and schedule a payment but had NO autopay option. My previous and other mortgage provider ( XXXX XXXX ) has an online autopay setup option.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

My name is XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX  has been still had truck in XXXX. We have not seen in over year. He missed couple payments because his brakes was going out a week after they put in shop. He almost wrecked. He called them they would not do anything about it. Plus while at XXXX XXXX XXXX his brake boost was stolen. They did not put back. They mechanic hands him a much cheaper one because he refused to put in. We had to sign nda and was told it would not be on our credit since they had refuse to fix at least four times. We tried calling. XXXX didn't care. My husband almost wrecked because of it. I thought it was illegal to sell a lemon? Also we was told it was auction off. We never received anything from them about anything. Because after nda we was told it would not go on our credit. Now I am wondering what I am supposed to do? Someone really needs to investigate a them. Cause next time someone might die for their carelessness. I hope you listen and can help. They have did nothing but lie. They have had truck over year. I don't understand why they are trying to say we had this year.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-28
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)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year>XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year>
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently pulled my credit report and saw that there are items being reported that I am not aware of, below are the items appearing ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per 15 US Code 1666B this is clearly a billing error and needs to be updated on my report.
Consumer complaint received 2024-09-20
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. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.