davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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. (AL)

n 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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX   XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 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 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 XXXXecords of convictions ). The report in question contains outdated or irrelevant information.
Consumer complaint received 2024-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (SC)

I am a public school teacher in XXXX XXXX, South Carolina. I have been a public school teacher since XX/XX/XXXX and would have qualified for total loan cancellation through Public Service Loan Forgiveness in the current month, XX/XX/XXXX, but my progress has been put on hold due to the current injunction against the SAVE plan. To explain, on XX/XX/XXXX, I completed my 120th consecutive month of employment as a public school teacher, but due to a two-month forbearance from XXXX XXXX, this would have put me completing my XXXX payment toward Public Service Loan Forgiveness in XX/XX/XXXX ; that is, before the SAVE plan was blocked.

I became aware that the SAVE plan was blocked due to the injunction in late XX/XX/XXXX ; consequently, on XX/XX/XXXX, I faxed a paper Income-Driven Repayment ( IDR ) application to Mohela to switch to Income-Based Repayment ( IBR ), yet they still have failed to switch me to Income-Based Repayment ( IBR ) 3 months later, as of XX/XX/XXXX. It is my understanding that the Income-Based Repayment ( IBR ) plan was created by Congress, has not been called into question by the current SAVE injunction, and that I would still qualify for Public Service Loan Forgiveness once I make my remaining 2 of 120 payments under Income-Based Repayment ( IBR ). 

I called Mohela on Tuesday XX/XX/XXXX, had to wait an absurdly long time to speak to a representative ( XXXX minutes ), then probably had to wait about XXXX more minutes to speak to a supervisor after I had been told ( erroneously ) that I currently can not switch to Income-Based Repayment ( IBR ) as it is also blocked by the SAVE injunction. I believe this information is false and misleading. I want to be switched to the Income-Based Repayment plan immediately, so that I can resume making 2 further payments in order to achieve total loan cancellation under Public Service Loan Forgiveness .

I have experienced a significant amount of anxiety and distress over this situation, and I do not wish to be further deceived by MOHELA and their dereliction of duty. It should not be this difficult ( and I truly do not believe it is ) to switch me out of the SAVE forbearance and into repayment via the Income-Based Repayment ( IBR ) plan so that I can make 2 further payments and receive Public Service Loan Forgiveness . I do not wish to remain in the SAVE forbearance for months while the courts fight it out and keep me in financial limbo. MOHELA holds {$73000.00} of consolidated federal student loans in my name, and they are absolutely not managing my loans in good faith. In fact, I believe they are purposely misleading me and mismanaging my loans to achieve their own ends. It needs to stop, and they should be compelled to switch me to Income-Based Repayment ( IBR ) immediately, so I can continue making progress toward achieving Public Service Loan Forgiveness .
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

There are XXXX hard inquiries on my XXXX credit report and XXXX hard inquiries on my Equifax that are fraudulent and a result of identity theft. I never authorized these hard inquiries or filled out any credit applications. These are a result of identity theft. I need XXXX to remove the following hard inquiries from my credit report immediately. 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. I need Equifax to remove the following hard inquiries from my credit report immediately. Equifax ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

In XX/XX/XXXX, I applied for the Saving on a Valuable Education ( XXXX ) Plan through the Federal Student Aid ( FSA ) website, expecting that my enrollment would prevent further interest from accruing on my federal student loans. Despite submitting my application, my loan servicer, MOHELA, left my application in " processing '' status for an extended period, providing no explanation for the delay. Upon contacting them, they explained that it would take at most 90 days for the application to process. 

When XXXX Plan applications reopened in early XXXX, I reapplied through the XXXX website, which forwarded my application to MOHELA once again ( XX/XX/XXXX ). Yet, MOHELA continued to leave my application in processing status, with no action taken to finalize it. Only to close it very recently without word back or any kind of resolution. 

Due to this delay, I have accrued approximately {$1600.00} in interestan amount that should not have accumulated had my original application been processed timely. This has resulted in unnecessary financial harm, and I believe MOHELAs extended delays and lack of communication may reflect improper handling of my application.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2024-09-12
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. (AR)

The right to contest my credit report is something that every American has. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.

This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with XXXX XXXX format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Consumer complaint received 2024-09-12
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
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 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 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 Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication
Consumer complaint received 2024-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

I applied for consolidation and the XXXX plan on XX/XX/year>. My loans were dispersed to Mohela on XX/XX/year> and I was placed on a standard level repayment plan that would come out to {$2500.00} per month. 
According to studentaid.gov, I should have been placed in a processing forbearance for XXXX days while Mohela processed my SAVE plan application. During those XXXX  days I should have been getting XXXX credit as well. After those XXXX days, on XX/XX/year>, they were still processing my application and at that point I should have been placed in a general forbearance where interest was not capitalizing. Neither of these processes were properly done by Mohela. 
As I could not afford the level repayment plan I had to call Mohela and ask what my options were, and I was told a general " voluntary '' forbearance was my only option, and I would have to call back every month to request an extension. I was never told about the processing forbearance or XXXX XXXX interest forbearance that I should have been in. 
On XX/XX/year> I applied for an XXXX plan in hopes that this would be processed faster, because a XXXX XXXX XXXX representative told me XXXX plans aside from XXXX were still being processed. It took Mohela several days to confirm receipt of this application, and I was told over the phone that Mohela is not processing ANY income driven repayment plans for the forseeable future. At this point I had done my own research and was now aware of the processing forbearances, and specifically asked the Mohela rep about it. I was told that I should have been in a XXXX day processing forbearance after my initial application, and then in the 0 % interest forbearance, but I submitted a new application, the XXXX days processing forbearance would start over. 
Had I been properly informed about these separate forbearances, and been told the truth about my options on the several times I called Mohela and asked, I would not have submitted an XXXX application on XX/XX/year>. My loan servicer failed to communicate the correct information about my options even though I called over half a dozen times and spoke to different representatives each time. Had they properly placed me in the forbearances I was supposed to be in, I would have been getting XXXX credit for the first XXXX days and then been in the 0 % forbearance from there on, and saved hundreds of dollars each day. The inconsistent information I was getting from XXXX XXXX XXXX representatives and Mohela representatives, and Mohela 's failure to follow the correct forbearance protocol have caused me to lose thousands of dollars which is a dire impact to my financial situation and a significant amount of stress for me.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I reach out to all three credit agencies and report identity theft and fraud to them multiple times this year and before concerning XXXX XXXX XXXX and an address XXXX XXXX XXXX, XXXX XXXX I reach out to them a d said to me I quote I can't pull up the account cause we no longer have this account. The account was written off the books. I said to the lady this account is not mines she laughed. I reported this account to experian as I try to upload the documents they require it won't upload so I decided to turn to you cause it's not fair for me to have something that's not mine
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account is current. They reported that I was 30 days late for XXXX, XXXX, XXXX and XX/XX/year>. But their XXXX reporting isnt sent out till XXXX and my payment are current. This is an error needs to be fixed. My account should show it should never have shown 30 days late.
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On or around XX/XX/2021, I contacted XXXX XXXX XXXX about having troubles making my payments. A few months ago, I had to have an operation due ; however, my insurance didn't cover the operation and I was forced to pay out of pockets expenses. 

I contacted XXXX and informed them of the situation. The representative agreed to push back my loan due date and my credit wouldn't be affected. I made the agreed payment and have been current since. XXXX reported I was late, when we both had an understanding that I would make a payment next Month. At no time was I aware my credit would be reported as late. Since all calls are recorded, I ask that someone replay the phone calls and hear the conversation.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have NEVER been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-08-21
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. (CA)

Date : XX/XX/XXXX To : EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding Unauthorized Disclosure of Financial Information Under 15 U.S. Code 6802 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure and use of my personal financial information in violation of 15 U.S. Code 6802. I believe that my financial privacy has been compromised due to unauthorized access and sharing of my nonpublic personal information. 

Details of the Dispute : XXXX XXXX XXXX XXXX XXXX Balance {$2700.00} Date XX/XX/XXXX Nature of Unauthorized Disclosure : My personal financial information was shared with third parties without my explicit consent. 
Supporting Documentation : Identity Theft Report, Proof of Identity ( ID, Bill and SSN ) Fraudulent Inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Legal Basis for the Dispute : Under 15 U.S. Code 6802, financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without first providing notice and an opportunity for the consumer to opt-out, except under certain circumstances. In this case, I did not receive the required notice, nor was I given an opportunity to opt out of such disclosures. 






Requested Action : I request that you immediately investigate this matter and take the following actions : Cease any further unauthorized disclosure of my personal financial information. 
Correct any records that have been improperly shared or disclosed. 
Provide me with a written statement confirming that these actions have been taken. 
Ensure that all my rights under 15 U.S. Code 6802 are fully respected moving forward. 
Please treat this dispute as urgent. I expect a written response within the time frame specified by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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.

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