davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I contacted the 3 leading credit agencies after a report that my personal information had been leaked by XXXX XXXX XXXX XXXX 
I was trying to create an account to freeze my credit temporarily. I was able to do so with XXXX and XXXX. 
However, Equifax gave me an error that reads " We are temporarily unable to complete this request. ". 
I contacted Equifax and after navigating a XXXX  phone system that seems designed to be irritating in order to prevent you from speaking to someone. The system asks credit information from 6 years ago which I do not really remember, including what was my monthly payment on a loan that has been closed since then.

When I finally was able to speak to someone 2 hours and 40 minutes later, they did the freeze and checked why I could not log in with no solution. They told me someone from their IT would be in contact soon. To date, nobody has reached out, but I have received multiple emails from them encouraging me to login and check all the services they provide. I continue to have the same issue and that means my credit is frozen without me having the ability to remove the freeze

unless I spend another 3 hours on the phone ( currently have spent about an hour trying to get to someone ). They do not seem to be trying to correct the issue, which locks me from unfreezing my credit.
Consumer complaint received 2023-04-24
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. (WA)

My XXXXbranded credit card was moved from XXXX XXXX to XXXX last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

XXXX agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a XXXX error.
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (GA)

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (NY)

I got in an accident in XXXX XXXX XXXX  told them I wasnt going back to work till all my XXXX  where completed. Im a single father full custody of my son. No child support nothing. During that time I had my XXXX XXXX XXXX. My father was my health care proxy he talked to them during that time telling them I was bed ridding and couldnt talk and that I was gon na be unavailable for months possibly a year and a half during recovery. XXXX  kept my payments that same coming out of my account directly. Next time when I was able to talk again I noticed my bill never goes down. I graduated college in XXXX we are now in XXXX. The woman said to me when was your loan taken out I said XXXX. She said that Navient was recently sued and people who had loans from XXXX during the pay back period were being forgiven. Well all those categories applied to me. Everything that fell under the law suit. Well here we are an nothing still is done. Its getting tiring, stressful, I dont even own my own house yet because is this company has far as Im concerned I should of had this paid off a while ago with my payments that I made on time. Then they talked me into lower payment but never explained it went to the interest only and not the principal so here we are paying interest off and nothing else. I borrowed XXXX and Im up to XXXX how. Im XXXX XXXX XXXX renting and trying to get by everyday taken care of my son and my self. Its affected my life, my health, and most importantly my well being. Im sick and tired of this company!
Consumer complaint received 2024-09-08
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: EQUIFAX, INC. (MI)

I am writing to file a formal complaint regarding inaccuracies in my Equifax and XXXX credit report. According to my recent review, there are discrepancies between the information reported on my Equifax and XXXX credit report and that reported by other credit bureaus. Specifically, I have observed that my Equifax report includes 13 inquires that do not align with the records on my XXXX and XXXX reports. As well as I noticed that when I looked at my XXXX report there are 27 inquires that also that do not align with the records on XXXX and Equifax. I should not have these inquiries. Please remove immediately! 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. I have previously disputed these inaccuracies directly with Equifax & XXXX however, the issue remains unresolved. 

**Details of the Discrepancies : ** - **Equifax** XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX VIA DEALER Inquiry date XX/XX/XXXX XXXX  XXXX VIA DEALER Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX I request that the CFPB intervene to ensure that Equifax addresses and corrects these inaccuracies promptly. Please find attached copies of my credit reports from Equifax and other bureaus for your reference. 

Thanks a lot for your prompt response
Consumer complaint received 2024-09-04
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST FINANCIAL BANKSHARES, INC. (CA)

On XX/XX/2024, I received an email from First Financial Bank ( XXXX ) saying thank you for enrolling in online banking. However, I never did this. I searched for the company online, called the company, and spoke to their fraud team who asked me for my social security number. I refused to give it out. They claim they can't lookup my info without it. It seems like the entire thing is a scam, but I am worried someone is using my info to open a bank account - I just can't get any more details from them. I would like to know if someone actually tried to use my info to open a bank account, or if this company is just a scam. There seem to be multiple " First Financial Bank '' s online with different logos.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

On XX/XX/XXXX I reviewed my consumer report and noticed adverse items being furnished by LVNV FUNDING LLC for alleged debts in the amounts of {$3800.00} & {$1100.00}. As of XX/XX/XXXX, LVNV FUNDING LLC has been notified at the address specified in Exhibit ( XXXX  ) of ; the misleading and inaccurate information, my right to refuse to pay such alleged debts and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. LVNV FUNDING LLC never notified me prior to furnishing the alleged debts or ANY correspondence/communication in regards to the alleged debts. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) LVNV FUNDING LLC must cease ANY and ALL collection attempts in regards to the alleged debts mentioned within until LVNV FUNDING LLC sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Congress finds there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices pursuant to 15 U.S.Code 1692. It has been well over 30 days and LVNV FUNDING LLC has strict liability and must comply with all statutes and regulations set forth. LVNV FUNDING LLC has failed to comply and respond to such notice and correspondence. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, LVNV FUNDING LLC shall be held liable due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) - Proof of Claim
Consumer complaint received 2024-09-03
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. (MI)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-18
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. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility and additionally the bank has committed to updating the status to open/never late. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account XXXX  XXXX XXXX XXXX ....
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently rewiewed a copy of my credit report.l was shocked to learn that I have been a victim of identity theft. I found numerous loan account on my credit report that were not open me.This has been huring me as l am in the process of buying a home for my famely.Please remove the fraudulent loan account From my credit report as soon as possible.Thank You
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like XXXX  and XXXX  XXXX XXXX XXXX XXXX XXXX reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX
Consumer complaint received 2023-05-31
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. (TX)

I have contacted XXXX about several accounts including XXXX XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX XXXX. 

I submitted a dispute for the following report accounts above. XXXX has listed my reporting as late for XXXX when there are no late payments for this account this year. I spoke with an associate for XXXX who said they would remove the account because of a mistake on their end and this is still being reported. I also asked that the XXXX XXXX XXXX be fully investigated and that the documents be sent to me with the original contract from this company. If they could not provide that XXXXXXXX XXXX XXXX needed to be deleted off of my account. XXXX has failed to due an accurate investigation and is still allowing these companies to report inaccurate information on my credit report. According to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

My next step is filing a complaint with the attorney general 's office of Texas. This continues to be an issue and it's against the law what XXXX is doing.
Consumer complaint received 2024-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

I have attempted numerous times since BEFORE the pandemic pause ended to get MOHELA to take me out of forbearance, because I want to work toward Public Service Loan Forgiveness. So I have been making requests since about XX/XX/year>. 

I requested via phone and in writing, but they said the Department of Education/Federal Student Aid was responsible for my forbearance status -- and that they ( MOHELA ) had to make a request for me to be removed. So I obliged and waited for this " request '' to go through. I believe this may be because I had filed a Borrowers Defense Against Repayment form. However, regardless of the BDAR form, I wanted to be placed back into repayment under the SAVE Plan -- especially considering my payments under that plan were {$0.00}.

MOHELA said they requested the DoE/Federal Student Aid, but nothing happened. So I would call FSA. Federal Student Aid would say MOHELA is in charge of my loans and my forbearance status. I filed a complaint with the DoE/FSA . Nothing has moved except I did receive one email communication from the Federal Student Aid. However, now I don't see the complaint show up when I log into Federal Student Aid. I have attached a screen shot of the last communication I received from DoE/FSA . It said " they are happy my forbearance status changed, '' but I sincerely have no idea what they are talking about because as far as I can tell, nothing has changed because I have been in forbearance since the pandemic, despite my requests to be taken out of it. My guess is that it simply changed from XXXX type of foreberance status to another, due to the court blocking the SAVE plan. And now the DoE won't count these payments toward PSLF. However, I never received any official communications about this change in the type of forebearance -- I have no real dates listed as when foreberances started or ended to be able to track this myself. 

I also am not completely sure why the DoE/FSA kept passing me back to MOHELA if MOHELA actually had no control over my forbearance status. It feels like a coordinated effort of forbearance steering and keeping me off of the PSLF track and prolonging my ability to achieve forgiveness for as long as possible.

I believe MOHELA also was inappropriately charging me interest on my loans. Especially considering I was supposed to be on the SAVE Plan, in which interest isn't supposed to accrue. Since last XXXX, when repayments restarted, my balance has ballooned by almost {$4000.00} ( during the payment pause, my balance was about $ XXXX. Now it is at nearly {$79000.00}. I have checked my credit report, and the amounts I see do not make sense to me. I attached a screen shot of my credit report, where you'll see the balance increases starting in XX/XX/year>.
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. (TX)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.