davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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. (UT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (TX)

I'm being cheated out my money and over charged for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charging me {$25000.00} have to pay {$270.00} every 2 weeks or the car will be repo. I filed a complaint with the DMV that found violations also filed a complaint with the XXXX. XXXX the general manager wants me to make decisions for me by offering a form to sign take the car from me and {$0.00} balance and keep quiet! XXXX never asked me what do I want after being cheated for a year and half! My solution is to give me the title to the car that's been already paid for by me according to the value of the car and paid on my credit. I have proof of steady cheating me and I will continue to seek help because this is theft! Car note payments not being subtracted and I have proof I'm being taken advantage of.
Consumer complaint received 2024-05-22
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)

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE PERSONAL INFORMATION REPORTING IN MY CONSUMER REPORT. XXXX
1. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
2. The following personal information is incorrect
Previous Address(es)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EXPERIAN:
1. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
2. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
1. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
2. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CO)

I contacted the original lease company about the debt and found that my social was NOT on the contract. I am a XXXX and the XXXX has the debt. The collection company found my social ( without the lease company the debt is from ) and has been contacting me for the money. I contacted them to express it is not mine, and they insist that I must jump through hoops to get my social removed including an identify theft report that is not necessary because my social was NEVER used for the lease. I contacted the original company to confirm that my social was still not associated with this debt, and they again confirmed and forwarded to the debt company that it is not me. They have contacted me again and will not correct THEIR mistake and illegal look up of my social and credit scores. ( The woman from the debt agency told me that she had every right to look up my credit score without my consent after illegally obtaining my social security number )
Consumer complaint received 2023-08-08
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX XXXX Account Number : XXXX  To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX XXXX Account Number : XXXX  To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

XXXX  have fraudulent records of an account that doesnt have my correct social security number, that isnt mine where someone bought some purse and whatever else that I didnt order and said the proof was it was sent to my house. Are you serious Ive been battling this account now for a while! Im a XXXX veteran with a XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I in no way want your purse and perfume that you fraudulently sent to my house without my permission!!!!!!!!!!!! That someone ordered with only the last XXXX numbers of my social security number because the numbers your fraud department sent me is not my social security number. XXXX XXXX XXXX owe me money for all this time I have to waste over you allowing someone to open a fraudulent account and set off my XXXX and my XXXX  to the point I feel Im losing it!
Consumer complaint received 2023-07-18
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 XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

I called Mohela and requested a refund for some payments made last year after receiving notice that I had that option due to not being notified of my upcoming payments in time. I was told the refund request was submitted when I spoke to the Rep on XX/XX/year> and that it would take up to 60 days to receive my refund. During the 60 day period I called again to confirm how the refund would be issued to ensure it was to my bank account as opposed to my card that was no longer active. After 60+ days had passed I called back ( XX/XX/year> ) to check on the status of my refund and was told that the request needed to be resubmitted since it was made before the platform transfer and she hung up in the middle of the call while I was confirming what the refund amount should be ( {$150.00} for each month for a total of {$470.00} ) and she never called me back like she said she would if we got disconnected. I called back a few minutes later and spoke to a new man who said he couldn't put me back in contact with her but could take over from there based on the notes in my account. He then said that it showed my refund was in progress but it would actually take 90 days not 60. I called back again after 90 days had passed ( XX/XX/year> ) and was told by a different rep that the refund had to be requested again because the initial request was made before the transfer so it was denied and that it would take another 90 days for my refund to be issued. Every time I call I am put on hold at least 5 times while they " look into it '', " reach out to their supervisor for help '', " waiting for their supervisor to respond '', " oh, still waiting on a response from my supervisor '', " okay my supervisor is responding can I put you on a brief hold again? '' Every single time I call it's the same experience and when I asked for a case number to reference when I have to call back in the future they claimed they can't provide a case number, but they have updated the notes so that someone else can help from there next time. Terrible customer service " assistance ''.
Consumer complaint received 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

My loans were forgiven in XXXX of XXXX and I was owed a refund of {$2900.00}. 

I've reached out to Mohela 11 times and each time I've been told my refund is processing and would be issued by the US Treasury Dept. 

Dates I've called are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

All of the representatives I've spoken to have said the refund is processing and they can't provide any other updates.
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. (MA)

I had an account with XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX where I paid my account off. At that time the company noted a late payment at payoff processing and it has hurt my credit since. 

I have reach out via Experian to dispute this matter and no resolve has been made. 

In accordance with the Fair Credit reporting Act, this creditor has violated my rights under 15 USC 1681, section 602 where it states I have a right to privacy and in 15 USC 1681, section 604A, sec 2, it states that a credit reporting agency can not furnish an account without my written instruction. 

I am asking to have this late payment report removed from my credit report for all ( 3 ) main credit agencies. Experian, XXXX XXXX, XXXX.
Consumer complaint received 2023-11-04
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. (PA)

XXXX XXXX Last four of XXXX XXXX XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

The consumer agreed on the disaster COVID-19 payment from XXXX XXXX XXXX. 
This company agreed to XXXX XXXX XXXX payment and was paid in full for {$1200.00} a month for XXXX months fromXXXX XXXX XXXX. 
XXXX XXXX XXXX do not pay late charges. 
This company has double the charges for the time that I live there the rent was only {$1100.00} a month and I only lived there for XXXX months and then they agreed to the Texas rent relief COVID-19 program payment.
Consumer complaint received 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

Problem : Mohela student loan servicer Issue summary : Mohela falsely required borrowers, specifically on public service loan forgiveness ( PSLF ) to recertify their income early, despite federal requirements by the US Department of Education to wait.

Mohela has then used this opportunity to then up charge borrowers with a newly recertified amount and refuses to revert back to the old, lower payment amounts because it would not benefit them.

This has been happening to thousands of borrowers across the country, and Mohela is entirely unresponsive. In fact, they have then continued to suspend auto debits at just the last moment, which only further punishes borrowers because they are losing months and months of {$0.00} payment qualifying months towards their PSLF payments.

None of their staff are trained to handle these situations despite thousands upon thousands of their borrowers experiencing their ineptitude.

Requests : 1 ) The US Department of Education needs to close Mohela down for illegal activity. They can not threaten and charge borrowers higher amounts if they were not required to recertify in the first place.

2 ) CFPB needs to demand records from Mohela to investigate how many {$0.00} qualifying payments or lower payment amounts Mohelas borrow
ers have missed out on to qualify for PSLF and provide restitution to those borrowers.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I have been enrolled in the XXXX  plan since payments resumed in XX/XX/XXXX. However, MOHELA continues to show accrued interest that has not been forgiven, despite my paid balances each month. I reached out multiple times to ask when this interest balance would be forgiven and how this error would be avoided in the future, and I was given unhelpful and redundant responses on XX/XX/XXXX and XX/XX/XXXX. Due to this, I can not pay down my principal balance at will. If I tried, any payment would be applied to interest and require me to reach out to MOHELA to resolve this same issue of the prior interest not being forgiven, which they have shown they have no interest in helping to resolve. Interest currently stands at {$5200.00} on a total {$280000.00} principal loan with 6.00 % interest. Based on these numbers alone, it should be clear that on-time payments made on the XXXX plan should have led to forgiveness of this interest. MOHELA directly replied that, " however on the XXXX of each month for the month prior, that interest that accrued for the prior month will be cleared ''.
Consumer complaint received 2024-05-21
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

XXXX. Florida Police Report XXXX XXXX XXXX. I hope all is well with you and your family! When we met, you were kind, considerate, patient and genuinely tried to help me with my Identity breach issue. I have great news for you. XXXX has exonerated me from the fraudulent information appearing on my account at EXPERIAN. I swore to you and dozens of many websites that I was always telling the truth about the falsification of my XXXX  records. Please see the attachment from XXXX that frees me from my XXXX for the time being. In my opinion, you did a stellar job, and words can't explain the XXXX and appreciation that I feel. I believe that the case is closed and do not want you to " burn anymore cycles. '' Experian has been unlawful by not honoring their commitment to remove the fallacious and irreputable damaging data when you view " XXXX XXXX Results '' at their paid premium service. My case number at XXXX is XXXX which indicates that my stolen personal data was not mine just as I told Experian over XXXX times! You may call XXXX at XXXX. 

Thank you, XXXX XXXX