davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
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: Experian Information Solutions Inc. (TX)

Im issuing a Notice of Impending Litigation. Ill attach the official document to the attachments along with supporting documentation. Ill also be sending the Notice of Impending Litigation to the registered agent listed for Experian through the Secretary of State along with the Federal Trade Commission as a formal complaint thatll be used as evidence pending litigation if this agency fails to comply with this offer of settlement.
Consumer complaint received 2023-11-11
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. (DC)

Someone logged into my account EXPERIAN used my credit report to put soft inquiries without my consent. 

These soft inquiries are fraudulent, and I already filed a police report. 
Someone logged into my account unauthorized and did a soft inquiry without my knowledge.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

I logged into Experian and wanted to lock my credit and their website tells me that I have to pay and upgrade to lock my credit report. Isn't it a Federal Law that credit reporting agencies have to lock your credit for free? 
When is anyone going to do something about the crooked credit reporting agencies?
Consumer complaint received 2023-11-11
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)

I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of XXXX inaccurate accounts from pages XXXX and XXXX of the XX/XX/XXXX Experian report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX XXXX bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX listed under page XXXX of the attached Experian report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX The payment history shows okay for XX/XX/XXXX yet the last payment was supposedly made in XX/XX/XXXX which makes no sense. XXXX XXXX XXXX as closed in XX/XX/XXXX on page XXXX of the XX/XX/XXXX XXXX XXXX report XXXX but the same account shows as open in XX/XX/XXXX on page XXXX of Experian report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. 
Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099. 
On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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. 
As a result, this invalid/ inaccurate XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with ( CREDITOR NAME ) 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 in those account to be removed.

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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-11-14
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (UT)

My husband and I moved out of an apartment in XXXX XXXX XXXX, Utah, in early XX/XX/XXXX. At that time we were told in writing by the management that we would be liable to pay rent only until the unit was re-rented. We left the apartment in move-in condition by having it professionally cleaned, and there was no damage of any kind when we left it. The apartment was indeed re-rented within the same month. 
In XX/XX/XXXX we were contacted by the apartment 's owner with an indication that the balance of the rent was owing. I responded with their XXXX 's email confirming that we were liable only for the period of time the apartment was unoccupied. That's the last I heard on the matter until recently. 
In XX/XX/XXXX I was contacted by Columbia Debt Recovery LLC, dba Genesis. I followed the response instructions in their email, again forwarding all of the information that supported my claim that not only do I not owe them anything, but they owe me for funds not properly returned. There was no response. 
I received another contact from Genesis on XX/XX/XXXX notifying me of the same debt. I replied yet again in the same manner as before. There was no response. 
I recently received a notice from XXXX XXXX that Genesis has reported this debt to credit bureaus.
Consumer complaint received 2023-11-10
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. (FL)

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

I applied for the SAVE repayment plan on XX/XX/23. 

I received a notice from my servicer, MOHELA, dated XX/XX/23 stating that my recent request has been received and is expected to be processed within the next 90 business days. I assumed this related to my SAVE repayment plan request. 

I received a notice from MOHELA dated XX/XX/23 stating that MOHELA has placed an Administrative Forbearance on [ my ] account. I had not requested a forbearance and the notice provided no further explanation as to why my account was placed in forbearance. The notice stated that the forbearance would end on XX/XX/23. 

I received a notice from MOHELA dated XX/XX/23 stating that my Income Driven Repayment ( IDR ) plan request has been approved. The notice stated that my monthly payment would be {$430.00} and this plan would go into effect on XX/XX/23. The notice said nothing about my SAVE request being denied or rejected. 

As of XX/XX/23, I had not received any communication from MOHELA about my return to repayment. I decided to both send a message to MOHELA and call the customer service line. I waited on hold for about 1.5 hours. 

When I spoke to an agent, I was told the following : ( 1 ) My account was placed in administrative forbearance at the request of the Department of Education. The agent could not provide any further explanation about why the Department of Education made this request. ( 2 ) I was told that I would continue to receive credit for qualifying payments for PSLF purposes while my account was in forbearance. ( 3 ) I was told that MOHELA had rejected my SAVE repayment plan request. The agent could not explain why the request was rejected, when it was rejected, or why I never received notice that it was rejected. ( 4 ) I was told that MOHELA would re-submit my SAVE repayment application and that it should be processed in about a week. In total, I was on the phone for about 2.5 hours. 

I received a notice from MOHELA dated XX/XX/23 stating that my recent request has been received and is expected to be processed within the next 90 business days. I do not know what request this is referring to, but I assume it is the re-submitted SAVE repayment plan request. 

Finally, on XX/XX/23, I received a response to my XX/XX/23 message to MOHELA stating that MOHELA assumed my inquiry has been handled. 

At this time, I still do not know : ( 1 ) why my account was placed in forbearance ; ( 2 ) when I will have to resume payments ; ( 3 ) how much my payments will be; ( 4 ) why my SAVE repayment plan was rejected ; or ( 5 ) whether my SAVE repayment plan request has been resubmitted.

I would appreciate answers to these questions right away.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with ( CREDITOR NAME ) 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 in those account to be removed.

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. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I received XXXX letters explaining the same thing ( a complete waste of resources ) that I was on an in-school deferment from XXXX and that is why that period is not being counted toward XXXX. This is interesting because I made XXXX attempts to get this answered by phone from Mohela and each rep I spoke to, including a supervisor at some point said that they did not make payment counts they pointed the finger at the XXXX XXXX  XXXX. Now when they are being investigated by the CFPB they suddenly have some answers. The only issue is they still did not completely answer my question. You would think in XXXX letters they would. There is still a period of time that is not being counted that they did not answer. XXXX is also not being counted. That is XXXX years and XXXX months that are unaccounted for, so what is the excuse there? 

Additionally, I called in XX/XX/2023, because it showed my first payment was due XX/XX/2023. I had applied for XXXX, and apparently, it had not been processed so Mohela put me on an administrative forbearance ( this was initiated by Mohela, not by me ), while my IDR application was being processed. While talking to the rep, he learned my application had been processed and I could make the payment beginning in XXXX. He said if I requested for the forbearance to be removed, this would be counted toward PSLF repayment. I requested by phone for this to be removed in addition to sending a message through the Mohela portal a XXXX of weeks later because like everything they do no action was taken when I made the request. I made the XXXX payment in XXXX, and now I see on my account that this was an ineligible payment because my loan is in forbearance. This seems fraudulent considering Mohela informed me to make a payment knowing it was not going to count toward anything because they put me in forbearance. It appears to be a tactic to collect funds and prolong payment, all while interest is being accrued. Didn't XXXX get their hand slapped for this? This has all been a complete mess and I know you just want me to give up, you continue to move the goalposts on us so that we will never win, but I will remain persistent. Please respond and this time maybe you could be more efficient in your correspondence and send XXXX letter explaining the same thing. Perhaps by making this adjustment you won't feel compelled to prolong payments and could save money on printing and postage.
Consumer complaint received 2023-11-14
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NY)

I had my PSLF student loan recertified in XX/XX/XXXX and in XXXX my certification letter was complete and my loans were forgiven/discharged. In XXXX, Mohela, an office of the Dept of Education stated that the total of the PSLF qualifying payments was XXXX which is over the 120 payments. On the Mohela website which is an office of the Dept of Education that any qualifying payments over XXXX, would be automatically refunded to the borrower, myself. When I had contacted several Mohela reps during XX/XX/XXXX and XX/XX/XXXX they told me that I had XXXX PSLF payments, that I would get a refund for the XXXX extra PSLF qualifying payments. On XX/XX/XXXX I contacted Mohela again to find out when the paper checks for the refund would take, I was told that I do not qualify for the overpayments and that my loan was forgiven and no other action would happen. I was questioning why since the Mohela website state any payments over XXXX would be refunded back to the borrower. The Mohela rep dit not have a response to that when I had asked why it stated that on their website.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

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.
Consumer complaint received 2023-11-14
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)

I hope this message finds you well. I am writing to follow up on my original complaint regarding the inaccuracies in my credit report, for which I submitted a formal complaint and attached a letter to Experian. 

As outlined in my original complaint letter, I made specific requests in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ). I demanded that Experian provide all necessary communications conducted to verify the accuracy of the accounts listed in my credit report. This includes, but is not limited to, the date of communication, the person spoken to at the debtor 's office, all communication furnished by the debtor, the contract signed under my name, and the authorization to report this information on my credit report. 

Accounts in question - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite these clear requests, the attached letter from Experian dated XX/XX/2023 indicates that an investigation was conducted, but crucial information was not provided as per my original demands. This, unfortunately, is a clear violation of my rights under FCRA, 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ). 

I am disappointed that Experian has not complied with my requests, and I reiterate my demand for the verification of the accounts in question or their immediate removal from my credit report. It is essential that Experian fulfills its obligations under the FCRA to ensure the accuracy of the information reported. 

I kindly request your urgent attention to this matter and a prompt resolution. Please provide a detailed response addressing the specific information requested in my original complaint letter. Your cooperation in rectifying this situation is appreciated. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-14
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. (CA)

I sent experian a letter on XX/XX/2023 demanding that method of verification be given to me along with paperwork to backup their claim of investigation, Fair Credit billing act 15 U.S.C. 1666 the are billing errors on those accounts, the remarks on the comment section of these accounts are misleading and inaccurate. There are numerous violations by experian. 15 U.S.C 1681b Permissible purposes of consumer reports 15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 16 C.F.R. Part 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION I would like this issue to be resolved by experian once and for all since they play stall tactics.
Consumer complaint received 2023-11-13
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. (SC)

My right to privacy is fundamental. I have a right to choose what I want disclosed. However I did not consent to, authorize nor benefit from these inquiries listed on the Indentity theft report.
Consumer complaint received 2023-11-13
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. (GA)

According to the fair credit reporting act this creditor has violated my rights, Under 15 u s c 1681 section 602 states I have the right to privacy. 15 u s c 1681 section 604 A section 2 states that a consumer reporting agency may not furnish an account without my written instructions. Under 15 u s c 1666 b a creditor may not treat a payment on a credit card account or under an open end consumer plan as late for any purpose.