davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

Mohela sent me a message saying Ive been removed from my income driven repayment plan and as a result will no longer qualify for PSLF because I did not recertify my income and put my payment amount at almost XXXX a month and back on a standard plan. This is completely inaccurate and is causing me mental anguish. No one was required to recertify during the pause and no is required to certify income at this time. Mohela refuses to correct their mistake and insists I need to recertify and thats the only way this can be corrected. Mohela is causing me unnecessary stress by giving false information and completely screwing up PSLF. 

I want to be placed back on my correct payment plan that I had with XXXX before the transfer. I want Mohela to do its job correctly. This is disgusting and scammy behavior by Mohela and Im sure this is happening to other people and cashing needless stress and panic. 

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Consumer complaint received 2024-06-10
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. (TX)

I have reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the PDF. 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 be paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the PDF attached.
Consumer complaint received 2024-06-23
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. (NC)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : I never been This Hospital i Never get medical care from this hospital
Consumer complaint received 2024-06-10
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. (FL)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-06-10
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. (GA)

XXXX, XXXX, & Equifax continue to report the account XXXX XXXX XXXX XXXX XXXX incorrectly. This XXXX XXXX account is reporting as a charge off but that is incorrect. Neither consumer agency has provided me with any evidence that they did a reasonable investigation to prove this account was indeed charged off. Financial institutions are insured by the FDIC so they do not take a loss and the contract is a security which bankrolls their business operations including the consumer agencies because they are paid to furnish deceptive information. Each consumer agency is listed in the XXXX XXXX XXXX XXXX because they securitize consumer information but they do not suppose to have our private financial information. Unless each consumer agency proves the information they are furnishing is accurate I will sue,
Consumer complaint received 2024-06-10
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. (MD)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-10
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. (MI)

XX/XX/2024 XXXX XXXX XXXX Last 4 of : XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ) In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Account name : [ XXXXXXXX XXXX XXXX # XXXX ] has violated my richts. 
I looked at my [ Equifax ] credit report on [ XX/XX/2024 ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-10
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. (MD)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2018-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (FL)

I went to open an account with XXXX XXXX XXXX and they closed my account stating i had an issue with a Suntrust bank but I have never had Suntrust bank at all. I called Suntrust and went through their fraud department and got a case number with them.
Consumer complaint received 2023-02-17
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, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 2024-06-10
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. (FL)

Subject : Continued Reporting of Inaccurate Information by Credit Bureaus To Whom It May Concern, I am writing to file a formal complaint against the three major credit bureaus regarding their continued inaccurate reporting of my XXXX XXXX XXXX account, despite multiple disputes and requests for corrections. 

Account Name : XXXX XXXX XXXXXXXX Background : I have repeatedly disputed the inaccuracies in my XXXX XXXX  XXXX account information under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the credit bureaus have failed to rectify the inaccuracies and continue to report conflicting and incorrect information. The persistent errors have severely impacted my creditworthiness. 

Inaccuracies in Reporting : Incorrect status Incorrect reporting Incorrect balance Violations and Relevant Laws under FCRA and FDCPA : 15 U.S. Code 1681e ( b ) : Accuracy of Report Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information. The ongoing inaccuracies indicate a clear violation of this requirement.

15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy The credit bureaus are required to investigate disputes promptly. Their failure to correct the inaccuracies after multiple disputes is a direct violation of this statute.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction If an item is found to be inaccurate or can not be verified, it must be deleted or corrected. The credit bureaus have neither corrected nor deleted the inaccurate information. 
15 U.S.C. 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies Furnishers , such as XXXX XXXX XXXX , must conduct an investigation when they receive a notice of dispute and must notify all credit reporting agencies to which they provided the information if inaccuracies are found. 
15 U.S.C. 1681s-2 ( b ) ( 1 ) : Responsibilities of Furnishers XXXX XXXX XXXXXXXX , as the furnisher, is required to investigate disputes and correct any inaccuracies. Their failure to do so has resulted in continued reporting of incorrect information.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusions The term " consumer report '' does not include certain types of information, such as transactions or experiences between the consumer and the person making the report. The continued inaccuracies in reporting my account status and balance violate this provision. 
Specific Violations and Harms : The credit bureaus failure to ensure accurate reporting and to correct inaccuracies upon dispute has harmed my creditworthiness. 
XXXX XXXX XXXXXXXX inaccurate balance reporting, potentially related to a charged-off debt and possible issuance of a Form 1099-C, constitutes a violation of accurate reporting requirements.
Consumer complaint received 2024-06-10
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. (NC)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account name : XXXX  XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX However, they stated everything was complete and accurate which it is not and needs to be resolved. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-02
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (TN)

I have a Wells Fargo Furnishings credit card that I used to purchase furniture from XXXX in XX/XX/year>. I purchased a bed frame, dresser and mattress. The mattress was on a 60 month 0 % APR promo. The bed frame and dresser were on a 12 months 0 % APR. These items werent delivered until XXXX which is when the payments began. I was advised by XXXX to make the minimum payment shown online to avoid being charged interest. This is what I did. This is what I have been doing for over a year. I planned to go purchase more furniture from XXXX yesterday and logged into my Wells Fargo account to check my credit availability and saw I was charged {$460.00} in interest on XX/XX/XXXX. I was blindsided by this because Ive been paying what the app tells me to. I called WF yesterday and spoke with an agent who told me that because the balance for the dresser and frame werent paid in full within 12 months, interest was charged on the ENTIRE balance from the purchase date, including for the mattress I still have 48 months 0 % APR on! How is this legal? How can you charge interest on an item that is still interest free for 48 months? If I owe interest on the dresser and bed frame because I was given incorrect information on what amount to pay, then I will pay it even though I dont agree with it. But the interest should ONLY be for the two items that the 0 % APR promo has expired on. The agent said he agreed with me but didnt have the authority to remove the charge so I spoke with the next level of support, I have no idea if this was a supervisor. I explained the situation again and this man just would not even remotely attempt to help. He advised that XXXX passes the information on to the customer the way they understand it and he couldnt help if they told me incorrectly on the amount to pay. He advised that legally they have to provide a minimum payment amount but it doesnt always align with 0 % APR promos even though XXXX told me to make the minimum payment. He advised they make every effort to let the customer know their promo is ending by putting it on the statements. I told him I do not receive a statement. I dont receive one in the mail or via email. He told me repeatedly that I do receive paperless statements THEN later advised that actually, I dont receive paperless statements, WF offers a courtesy notification that the statement is ready online. So if their courtesy notification doesnt go through, youre just screwed. He said he could not assist with the interest charge but this feels like it should be illegal. Again, how can you charge interest on an item that still has 48 months 0 % interest on it? This needs to be edited to charge interest on ONLY the two items that the 12 month promo ended.
Consumer complaint received 2024-06-10
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. (GA)

XXXX, & Equifax continue to report the account XXXX XXXX XXXX  Account # XXXX incorrectly. Financial institutions do incur losses at all. They are FDIC insured which means the account is covered and can not be charged off. They also have no access to my financial records to obtain them to verify late payments. If they do this is a violation of my privacy. If they do not provide me with the evidence to prove what they are reporting I will sue.
Consumer complaint received 2024-06-10
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. (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.

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 informationisinaccurate.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I reached out to the 3 major credit bureaus to assist me and requested deletion on account errors on my account. Only XXXX helped me and complied on the removal of errors, while Equifax and XXXX required to report it to police or FTC for Bad Business Practice and Unauthorized Inquiries negatively impacting my credit report. 

Transunion Errors for removal : XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX Equifax Errors for removal : XXXX. XXXX  XXXX ( Duplicate and unauthorized ) - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX - XXXX XXXX, XXXX
Consumer complaint received 2024-06-10
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. (IN)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.