davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I reached out to XXXXEquifax to remove the texas attorney general 's account from my credit report and they failed to do so. I have tried on multiple occasions to upload files relevant to this removal but the system has been not allowing me to upload documents. I have attached my files to this complaint.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (GA)

I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. I have contacted the companies and the actions were initiated without any proof of the companies reporting. The inquiries are not factual since I never authorized them.
Consumer complaint received 2023-11-01
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. (NY)

XXXX XXXX XXXX is making illegal inquiry on my credit without my knowledge or approval they are access my credit report illegally and putting things on my report and sending fake Dept letters XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Record details Inquired on XX/XX/XXXX Hard inquiries XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX XXXX Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Important Messages Medical Information By law, we can not disclose certain medical information ( relating to physical, mental, or behavioral health or condition ).
Consumer complaint received 2023-03-15
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. (AR)

I am formally submitting this CFPB Complaint to the Credit Bureaus to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The accounts XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$17000.00} appears to be reporting incorrect information : account number, payment status, and date open. I don't believe I was late on the dates you mention. Please update all late reporting on this account and report the payment status as positive.
Consumer complaint received 2023-03-14
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. (AL)

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX, has violated my rights. 

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 2023-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I am having difficulty getting my PSLF payment count updated with Mohela. I currently have 12 student loans with Mohela. They were transferred from XXXX XXXX in XXXX of XXXX. When they were transferred to Mohela, Mohela told me in a on their website not to resubmit any PSLF documents since they would receive them from XXXX XXXX and process them accordingly. XXXX XXXX had already processed them. 

After waiting months for the documents to be processed, I called Mohela and I was informed that while they did in fact have the documents, it would be beneficial for me to resubmit them with additional documents showing my employment during that period. I resubmitted the documents with additional employment information in XXXX of XXXX. 

On XX/XX/XXXX, I logged in to the Mohela website to see that they cancelled the processing of my PSLF documents without emailing me, sending me a letter in the mail, or calling me. I spoke to Mohela on XX/XX/XXXX. The customer service agent told me that she would put in a request to resubmit the PSLF application but that if I did not see the application updated and the PSLF tracker updated by the time payments are scheduled to resume in XXXX of XXXX that I should submit a forbearance request. This would be in Mohela 's favor and would mean that it would take longer for my PSLF application to be accepted because I would not be making qualifying payments that count towards forgiveness while it's in forbearance. Additionally, if they were processed in XXXX of XXXX, that would have been an entire year of waiting for documents to be processed. 

It has been 8 months since Mohela has received the documents to process my PSLF application. It should not take this long to process PSLF and I don't appreciate not being informed that my documents have been cancelled. I am being told that it can take a long time, and while I understand that and am being patient, it is almost time for me to recertify and resubmit documents for the next year. 

I would like to get my documents approved and the payment count tracker updated before payments resume and I have to recertify for my next year 's employment.
Consumer complaint received 2023-03-14
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: Experian Information Solutions 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 XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX 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 2024-10-04
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: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2023-03-15
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: Nelnet, Inc. (NC)

Reason For Letter/Dispute : I HAVE RETURNED A COMPLETED STUDENT LOAN DEFERMENT LETTER TO COMPLETE XXXX XXXX XXXX  XXXX I student was enrolled in university during the time late payments occurred on the loan account ( s ). Please update late payments to on-time payments based on DEPT OF EDUCATION policies/laws of credit reporting. Loan Account # XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. DEPT OF EDUCATION REPAYMENT GUIDELINES BASED ON ENROLLED STUDENTS : When You Must Begin Payments? Once you graduate, drop below half-time enrollment, or leave school, your federal student loan goes into repayment. However, if you have a Direct Subsidized, Direct Unsubsidized, or Federal Family Education Loan, you have a six-month grace period before you are required to start making regular payments. Youll have a nine-month grace period if youve got a XXXX XXXX XXXX ( Got a PLUS loan? Youll go into repayment as soon as the loan is fully disbursedwhich means once its paid out. But if youre a graduate and professional student PLUS borrower, you will be placed on an automatic deferment while in school and for six months after graduating, leaving school, or dropping below half-time enrollment. ) Explanation : I was enrolled at XXXX XXXX XXXX  during the Spring Semester of XXXX, Summer Sessions I & II, and Fall Semester of XXXX. This is the time that somehow my student loans went into automatic repayment with your company, which should not have happened based on the DEPT OF EDUCATION policies on repayment terms for enrolled students. As of now, the status of the loans has been transferred to XXXX XXXX XXXX, which was then sold to XXXX XXXX XXXX, therefore, there is no outstanding balance due to XXXXXXXX XXXX XXXX. Documentation : I have attached a copy of my full transcript from my first enrollment period at XXXX XXXX XXXX  in XXXX, to the last enrollment period in XXXX.
Consumer complaint received 2023-03-15
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 

XXXX  XXXX
Consumer complaint received 2023-03-15
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. (TX)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-15
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-15
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. (MS)

XXXX XXXX ( FRAUD ) XX/XX/XXXX XXXX XXXX ( FRAUD ) XX/XX/XXXX XXXX XXXX ( FRAUD ) XX/XX/XXXX 15 U.S. Code 1681s-2 states that a creditor shall not furnish nor continue to 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. I will provide my position below regarding this illegal contract where I am requesting a swift and immediate deletion. Additionally, the creditor shall not thereafter furnish to you nor any other agency, any information regarding this aged debt, which has already been deemed erroneous and illegal in nature due to the lack of valid documentation. 

On XX/XX/XXXX, I verbally requested from XXXX, XXXX XXXX XXXX and XXXX XXXX specific information to verify these alleged and erroneous debts and they could not provide me with any data to support that these debts belonged to me or if I was ever responsible for them. 

XXXX, XXXX XXXX XXXX and XXXX XXXX are highly misinformed and incorrect about these accounts, and they did not carry out the required due diligence on their end by reporting the invalid accounts and they must delete and remove this erroneous information from my credit files immediately and swiftly. I do not owe these creditors, and they have no valid right to place these debts on my credit files as derogatory.
Consumer complaint received 2023-03-15
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. (MS)

XXXX XXXX ( FRAUD ) XX/XX/XXXX XXXX XXXX ( FRAUD ) XX/XX/XXXX XXXX XXXX ( FRAUD ) XX/XX/XXXX XXXX5 U.S. Code 1681s-2 states that a creditor shall not furnish nor continue to 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. I will provide my position below regarding this illegal contract where I am requesting a swift and immediate deletion. Additionally, the creditor shall not thereafter furnish to you nor any other agency, any information regarding this aged debt, which has already been deemed erroneous and illegal in nature due to the lack of valid documentation. 

On XX/XX/XXXX, I verbally requested from XXXX, XXXX XXXX XXXX and XXXX XXXX specific information to verify these alleged and erroneous debts and they could not provide me with any data to support that these debts belonged to me or if I was ever responsible for them. 

XXXX, XXXX XXXX XXXX and XXXX XXXX are highly misinformed and incorrect about these accounts, and they did not carry out the required due diligence on their end by reporting the invalid accounts and they must delete and remove this erroneous information from my credit files immediately and swiftly. I do not owe these creditors, and they have no valid right to place these debts on my credit files as derogatory.
Consumer complaint received 2023-03-15
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$580.00} This is my follow-up complaint to ensure the investigation of the listed accounts.
Consumer complaint received 2023-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I've been having tons of issues dealing with Mohela for the PSLF loan forgiveness. I've submitted multiple forms, W2s, and other related documents they asked me for to still say it's not correct. I've been put on hold for a manager for over 2 hours. They need to be federally investigated because obviously they're playing with students livelihood. If they're not going to service students accurately and give the right information then they need to give it to another provider who makes sure to give us the right information and actually follow up with correspondence. They do not say anything to us and we get no where when we call them. I hope you can help me. 

All my pslf count is incorrect and I've been trying to get this fixed since XX/XX/XXXX. 


After being on hold for 2 hours and 15 minutes after I was promised a manager it hung up. All of this happened in XX/XX/XXXX
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CLGF Holdco 1, LLC (VA)

I called numerous times to discuss the alleged account, but no one responded nor did I give consent for the credit card companies to give my personal information out, this violates my privacy per US congress consumer law.
Consumer complaint received 2023-03-15
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. (HI)

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 XXXX XXXX has violated my rights. 

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 2023-03-15
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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. (VA)

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.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (CA)

LVNV is the company. The account was opened in XXXX  and I don't know what it is. I have tried to explain that to them and they will not try and resolve it. The account XXXX is the account number. I tried to explain to them that my email at the time, password, social security number, and XXXX # was taken off the internets dark web. I have had many problems with this issue and this is not the only time my information has been used. I still have problems with charges on my current cards because I had that email for over 20 years. I have since deleted it or have tried to but it still continues.