davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (FL)

I received an email regarding my student loans being transferred from Mohela to XXXX. I was given an email with the date and to sign him with XXXX before the date. The date was XX/XX/year>. It came and went. I can not sign up with XXXX  because there is no account on their end. Mohela says that it may take up to 14-90 days for the transfer. Mohela also said the interest on my loans will continue during this time period ( All communication through phone call ). When I asked Mohela for documentation, they said they do not do that and just re-sent me the initial email about the transfer. I have received the same letter repeatedly when asking them questions about interest, transfer duration, etc. Currently, either provider has my information, I can not make payments, I will accrue interest for this time, and am not getting any support from the providers on either side especially when I have never missed a payment and have good standing. I would expect some type of information but nothing. It seems very suspicious when it was forced on me. Seems like Predatory Lending ....?
Consumer complaint received 2024-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AZ)

MOHELA had my federal student loans. In XXXX I had made XXXX payments and qualified for XXXX. My loans were forgiven and I no longer have any students loans on my credit report. Then they sent me an email XXXX weeks ago that my loans were being transitioned and I'd receive further instructions when they were ready. Meanwhile when I go on MOHELA it says I have a XXXX balance. Then I get an email saying my loans are ready and it makes me log in to MOHELA creating a completely different user name and password. When I get in nothing from the past is there any longer that account does not exist and can't be accessed. Instead there is a new account with a new balance saying I owe them {$4000.00} and that it is due on XXXX. So now I have to go through this stress and MOHELA never responds or explains anything to you. I have the letters from them saying my loan forgiveness was approved but all other evidence has been taken down by MOHELA.
Consumer complaint received 2024-06-21
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. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report
Consumer complaint received 2024-06-22
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. (FL)

Hi Experian , I RECEIVED A COPY OF MY CREDIT REPORT AND  I SEE  THIS FRAUD ACCOUNT THAT NOT BELONG TO ME  .
THIS XXXX XXXX XXXX XXXX XXXX XXXX  IS WHERE THE FRAUD CREDIT CARD IS ATTACHED AND THAT IS NOT MY ADDRESS.

DELETE THIS FRAUD ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT . 

ACCOUNT BALANCE IS XXXX AND I NEVER KNOW ANYTHING ABOUT THIS CREDIT CARD .
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

Subject : Cease and Desist Communication and Unauthorized Use of Personal Information Dear Sir/Madam, I am writing to address the unauthorized use of my personal information by Credit Collection Services and to formally demand the immediate cessation of all communication unless you are contacting me to discuss payment as a remedy for the violations committed.

It has come to my attention that Credit Collection Services has been contacting me regarding a debt that I have no knowledge of or any affiliation with. I hereby declare that your organization is an unauthorized third party in possession of my personal information, and as such, any communication from your company is considered a violation of my rights.

I demand that Credit Collection Services immediately cease all communication with me, unless you are contacting me specifically to discuss payment as a remedy for the violations committed. Any further communication from your organization that does not adhere to this requirement will be considered a willful violation of my rights under applicable laws.

Furthermore, I insist that Credit Collection Services promptly remove any and all records, references, or mentions of my personal information from your databases and refrain from sharing or disclosing my information to any third parties without my explicit written consent.

Please consider this letter as a formal notice to cease and desist all communication unless contacting me to discuss payment as a remedy for the violations committed. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies for the unauthorized use of my personal information.

I expect your immediate attention to this matter and a confirmation in writing that all communication with me has ceased, except as outlined above. Any future communication from Credit Collection Services should be strictly limited to resolving this issue and must be in writing. 

Thank you for your prompt cooperation in this matter. 

Yours sincerely,
Consumer complaint received 2024-06-21
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. (GA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the entry of any information in my credit record that resulted from a claimed scam or XXXX, assuming no one will care in any case. 

XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$4.00} XXXX CARD XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-22
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. (FL)

Hi Experian , I RECEIVED A COPY OF MY CREDIT REPORT AND  I SEE  THIS FRAUD ACCOUNT THAT NOT BELONG TO ME  .
THIS XXXX XXXX XXXX XXXX FL XXXX IS WHERE THE FRAUD CREDIT CARD IS ATTACHED AND THAT IS NOT MY ADDRESS.

DELETE THIS FRAUD ADDRESS XXXX XXXX XXXX XXXX FL XXXX 


XXXX XXXX  ACCOUNT XXXX XXXX  IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT . 

ACCOUNT BALANCE IS XXXX  AND I NEVER KNOW ANYTHING ABOUT THIS CREDIT CARD .
Consumer complaint received 2024-06-21
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. (FL)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-06-21
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. (MD)

I am submitting a dispute and investigation request for these wrongly reported accounts on my credit file. Per the Fair Credit Report Act, I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-06-21
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. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I have had Experian membership services for several years and since XX/XX/2024, I have been unable to access my XXXX credit report scores from each of the XXXX bureaus. I have only been able to get XXXX credit report score from Experian and not others as of XX/XX/2024. I just canceled the service today, but I want to get all three of my credit bureau scores to accurately assess my score. When I try to refresh scores, I get a general error message stating that there is an issue with verifying my information with XXXX. They don't give details when I call, so I assumed it was my address. I updated my address with all three credit bureaus to my home address in XX/XX/XXXXbut any of the credit bureaus don't give me any type of reason for this issue.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (VA)

Ive been locked out my Experian account for the last 3 months. Ive call the agency numerous of times in an attempt to resolve these matters that are effecting my life. Im unable to speak with a Experian rep, the line hangs up after several attempts to speak with a representative. Ive also sent letters to correct my personal information and no action has been taken. My login and password do not work and it seems as if my account has been hacked. This on-going issue has stopped processing as far as being able to rent a house, buy a house or apply for financial credit cards because I am unable to prove my identity. In results of this I am homeless and need this resolved now!
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$1200.00}
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed negative accounts with Transunion on XX/XX/year> due to numerous errors that was reported on all XXXX credit bureaus XXXX, XXXX, and Transunion. 

Violation!!!! Inaccurate Reporting of information violations of 15 U.S. Code 16815-2. I have provided documentation of proof between my three credit reports from each bureau and neither match for this erroneous account. Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person knows or has reasonable cause to believe that the information is inaccurate. 

The negative items that was disputed are listed below. Transunion did not remove any of the negative items that has numerous errors. I will provide proof in the attached documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me
Consumer complaint received 2019-08-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Kashia Services (TX)

I got a payday loan for about {$220.00} over a few months ago. They have been taking out about {$68.00} every other payday. This has been going on since XXXX of last year. The initial payment started in XXXX for {$81.00} then {$67.00} every two weeks since. I tried asking them for a copy of my contract but they haven't given me one. I've also ask them when are they gon na stop withdrawing out of my account but all they can tell me is that I'm still in contract. Per my calculations I have paid over {$800.00} for a {$250.00} loan. Is their a way you can help? Also this particular loan company likes to charge a annual percentage rate of 769.32 % with a financial charge of {$1700.00} making the pay back close to {$1800.00} for a year. The company never informed me of the super high interest or annual financial charge otherwise I would have never taken it.
Consumer complaint received 2024-06-21
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. (DC)

Please remove the following account and inquries listed below this is not correct please review and remove it now. Here 's the lists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

There are 2 accounts with American Express. Those 2 accounts DO NOT BELONG TO ME. I have called and mailed American Express. When I call in I am told that these accounts and identifiers they have mailed me do not show on my social security number. They evidently belong to a different XXXX XXXX XXXX. Yet they appear on my credit reports all 3 bureaus. I dispute them with the bureaus they come back as mine. So, I dont know how to resolve this if a. ) American Express does not show them under my social security number to pull them up when I call. b ) when I mail them with the info this is what they give me back. NOTHING. just standard b.s.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (AL)

On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In this letter, I requested an investigation into several inaccurate items listed on my credit report. In addition, I also requested the correction of incorrect personal information on my credit report. To facilitate the verification of my identity and address, I included the following documents with my dispute letter : a copy of my photo ID, social security card, and recent bill with my current address to help Experian verify my identity and address. 

I received a response back from Experian dated XX/XX/year> stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Despite my timely and certified mailing of the dispute letter and providing sufficient documentation to verify my identity, Experian has refused to conduct a reasonable investigation. This action is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), which requires Experian to investigate disputed information and provide results