davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (MI)

I am filing this complaint against XXXX XXXX XXXXXXXX the three major credit reporting agenciesXXXX, Equifax, and XXXXregarding the inaccurate reporting of a late payment on my credit reports from XX/XX/year>. 

I had set up autopay for my credit card in XX/XX/year> for this card and received a confirmation following the setup, but due to a failure on the part of the credit card company, it was not activated. This resulted in a late payment in XX/XX/year>, which I was unaware of because I did not receive any paper statements or email notifications about the missed payment. 

Upon discovering the issue, I promptly contacted the credit card company on XX/XX/year> and paid the balance in full, and had any interest fees removed as it was an error on the Bank. The autopay was reset up and the Bank advised they were going to correct the late payment information sent to the credit bureaus. They sent me a letter on XX/XX/year> saying they researched the deliquency and did not find any errors. I called back in after receiving and discovered the agent who submitted it did not provide accurate info, so a representative corrected the information and resubmitted. This still has not been corrected and when I have called, I have not been provided with any additional information, Despite resolving the matter quickly, the late payment was reported to the credit bureaus, and my credit score dropped significantly as a result. 

I contacted the credit card company to dispute the late payments, but they stated that they found no error on their part and would not remove the late payments from my credit report. 

This inaccurate reporting has caused significant harm to my credit score. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information they report. I believe that the late payments were reported in error and should be removed. 


Thank you for your attention to this matter.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

i have complaint experian credit report, they reporting all inacurate information to crediter and i got denied, i file a dispute with them fof account which is not ever late they response in 1 days saying we verify it is accurate, how they investigate in 1 day. 
HERE IS A ACCOUNT NEEDS TO B CORRETED AS NEVER LATE 1 XXXX XXXX  # XXXX 2 XXXX XXXX # XXXX 3 XXXX  XXXX XXXX # XXXX 4 XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to formally dispute the accuracy of the bankruptcy reporting on my credit report and to request its removal based on information provided by the XXXX XXXX XXXX Court and relevant consumer protection laws. 
According to a letter I received from the XXXX XXXX XXXX Court, the court does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. The letter specifies that " any concerns regarding the accuracy of consumer credit files can be directed to the credit reporting agencies. '' The original creditor is the only entity that can verify or validate information. and in this case the original creditor says they do not report to credit reporting companies, so this inaccurate, unverified, and unvalidated reporting needs to be removed from my report. Based on the information provided by the bankruptcy court and the stipulations of the Fair Credit Reporting Act ( FCRA ), this reporting is inaccurate and must be corrected. 
To assist you in your review, I have included a copy of the letter from the XXXX XXXX XXXX Court for your reference and an image of the bankruptcy courts website as it appeared on XX/XX//2024. Please review my credit report in light of this information and take the necessary steps to remove the bankruptcy record from my file. There is absolutely no third-party with first-hand knowledge of anything. 
Please confirm receipt of this dispute letter and notify me in writing of the action taken to correct this issue within 30 days, as required by the FCRA. If you need any additional information or documentation from me to resolve this matter, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

Hello, I am unable to log on to my Experian online account. Each time I request a code be texted to me to log on, I do not receive the code. I am unable to request assistance through the automated phone tree ( I can never get to a person ) and I have sent several certified letters that have gone unanswered. I would really appreciate any assistance with this problem. I am unable to obtain a credit card from my bank until this is resolved. 

Best, XXXX XXXX
Consumer complaint received 2024-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

MOHELA continues to make the student loan repayment process confusing for consumers. I am continually receiving documents on a frequent basis with updates to a payment schedule that makes no sense. When the website transitioned to the new platform, I lost my automatic payment discount. I am now back on automatic payments with discount applied ; however, the last XXXX payments made, 100 % of the payment was applied to the interest with 0 % going to principal. This is so confusing and I don't know why there seems to be an issue. I was told I need to payoff the interest balance so that any future payments will be properly applied ; however, I need to call customer service to ensure the payment is reapplied to interest and not principal. So confusing! Within the last two days, I received yet another letter about a repayment schedule change. I am being told I am " paid ahead, '' but nobody can explain as to how this came to be and if I am paid ahead, why the payments go to interest and not to a combination of principal and interest. I also received a letter dated XXXX XXXX, XXXX that my account has a forbearance applied. The dates of forbearance is XX/XX/XXXX through XX/XX/XXXX. Why am I receiving this notice so late? Also, the website shows {$0.00} due for my next payment on XX/XX/XXXX ; however, customer service confirmed a payment will come out. However, according to a letter I received, my payment isn't due until XX/XX/XXXX. I have a total of XXXX loans with MOHELA, one of which has a small balance. They informed me I am unable to apply the majority of my payment to the smaller loan, because the other XXXX loans will show as delinquent. This is absurd. I want to pay down the smaller loan balance first to payoff the loans quicker, but I am being told no. This feels like they are taking all of my money and I am unable to get ahead. Payments are being mismanaged and MOHELA can not provide answers.
Consumer complaint received 2024-11-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Skopos Financial, LLC (OR)

This is the second complaint here is the original complaint- I called to do a payoff over the phone on XX/XX/year>. I was quoted a payoff, and I paid the full amount I was told to pay plus a {$5.00} transaction fee because they don't let you do a payoff through the online system. I received a confirmation number from the gentleman as well as an email. A few weeks goes by, and I get a bill from XXXX  in the mail with a balance of {$24.00} I called, and they said they had to listen to the conversation in order to know what happened. I get a call back XXXX hours later from XXXX the customer service XXXX and he said I apologized and said he listened to the call, and I was in fact quoted the wrong amount, but I needed to pay the XXXX  days of interest in order to get the account closed and there is no other way around it. I reiterated that he said I was quoted the wrong amount, and I have to pay for someone else not correctly processing the payoff. He said the payment was made incorrectly and yes, I needed to pay the remainder of the amount if I wanted to close the acct. This is extremely unfair practice. I am having to pay for someone else 's mistake. XXXX said I listened to the entire conversation, and you were given incorrect information but there is nothing we can do about it. 

On XX/XX/XXXX I got my money back and a response from XXXX saying they were going to refund the {$25.00} then today XX/XX/year> I get a letter in the mail with a balance of {$26.00} from XXXX. I went online and sure enough the reopened the account and are also reporting it on my credit. This account was supposed to be closed in XXXX when I first paid it off.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-31
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

I moved out of an apartment and was provided a move out statement that had amounts that I questioned. The management company was non responsive in my attempts to get information on those and how to remove the charges that I felt were not valid and were incorrect in amount. I did not pay the balance due as I was not getting any response. I attempted to call multiple times as well to resolve, with no success. 
Almost a year later I received an email from Genesis stating I had a balance due to them for them account at my former apartment. I had not received any prior communication from them in the form of a letter or a phone call. I again replied that the amount owed indicated was not correct. I was provided a statement with totals that did not have support for it and a copy of my lease that clearly indicated that the amount being charged is different than what my lease indicates. I continued to ask for proper support and to state that I did not agree with the amount. 
They then proceeded to call my family in an effort to reach me. I responded that all communication needed to be through email with me only. 
After that, I did not get any response for two months until I got a credit notification that I had a collection account that reported to the credit bureaus.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Subject : Formal Complaint Regarding Inaccurate Late Payments on Credit Report Dear Sir or Madam, I am writing to formally lodge a complaint regarding inaccuracies on my credit report that have significantly impacted my financial well-being, as well as my mental and emotional health. I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure the accuracy and integrity of the information they report. 
Specifically, I have identified several late payments inaccurately reported by TransUnion on my credit report. These entries do not reflect my actual payment history and have resulted in a detrimental effect on my credit score. 
According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports, and creditors must investigate and correct any errors. I have submitted a dispute to TransUnion on XX/XX/24, but the inaccuracies persist. The details of the late payments are as follows : Creditor Name : XXXX  **Please see attachments** The ongoing presence of these erroneous late payments has resulted in substantial financial stress. I have faced difficulties securing loans and have been denied favorable interest rates, causing additional financial strain. The emotional toll of this situation has been significant ; I find myself constantly worried about my financial future and the potential long-term repercussions on my creditworthiness. 
I kindly request that the CFPB investigate this matter and assist me in rectifying these inaccuracies. I am seeking your support in ensuring that my credit report reflects accurate information, as mandated by federal law. 
Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OR)

Mohela only forgave part of my loan. Then when I sent a complaint, they were in the midst of changing their website. My complaint was cancelled because of this. 
Mohela had separated my loan into subsidized and unsubsidized, both of which are eligible for forgiveness. I paid over the 120 qualifying payments. The paperwork came from Mohela. Both should have been forgiven. One of them has not been.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

\nI demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-07
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-07
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-03
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. (NC)

I have ask the credited bureau to do a investigation to make sure every thing was accurate they said they did and every thing was accurate and I did a research of my own and found inaccurate on my report even after they said they did a investigation.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. Account Number ; XXXX Account Name ; XXXX XXXX XXXX. Account Number ; 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 an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section State ; 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 2024-10-07
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)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.