davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

on XXXX XXXX XXXX i received a letter from XXXX stating that based on a XXXX XXXX XXXX case my loan discharge was approved in the amount of {$49000.00} a total of XXXX loans from XXXX XXXX XXXX. I called and spoke to XXXX because my credit report had new loan information for the loans listed on my credit report with amounts owed. I was told that in order for XXXX to discharge properly they had to add the balance of each load and then submit to XXXX balance each loan. After speaking to XXXX i called Mohela who my loan is with and since i had already entered into an income driven loan and consolidated i explained the letter and what XXXX had told me. I was instructed by Mohela to wait for XXXX to reach out and that the balance of $ XXXX would be adjusted correctly once the information was received. I have talked to Mohela today and they are instructing me to go back to XXXX XXXX XXXX and restart the process to get the information that i already have in order to investigate on their end. I know that my credit reporting should not be impacted by this information and i want to file a complaint. I have been told that i have to wait for this to be done because of the covid forbearance that my loan is currently under.
Consumer complaint received 2024-05-09
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. (VA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-09
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 : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc. (GA)

I paid of my old XXXX XXXX account on XX/XX/2024. It is still reflecting I owe {$390.00} when it should reflect paid on all credit bureau reports. I've called SELF LENDER to speak with customer care to ask that it is reflected and I was informed that it should take 30 days, which has passed. It is now XX/XX/2024. I am trying to buy a house and need it to reflect accurately. The account starts with XXXX. My name is XXXX XXXX. I have since opened a new account with them that is in good standing. I also looked at my SELF account and it did not reflect the payment history ; it just doesn't show it anymore.
Consumer complaint received 2024-05-09
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)

XXXXXXXX XXXX XXXX  In accordance with the fair credit act XXXX  XXXX XXXX XXXX, has violated my rights. 

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 it also states a consumer reporting agency can not furnish an account without instructions 15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report 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 to be inaccurate
Consumer complaint received 2023-07-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (MA)

While trying to enter the XXXX XXXX XXXX XXXX program, I was denied because of loans taken out, as I later discovered on my record, from XXXX. 
I was able to figure out these were from XXXX University. My year of XXXX is XXXX, so I know I didn't take these out. They are in default, and the agencies that held them last on record are no longer in business, and I can not contact them. 
While I eventually went to college myself, it was hard in XXXX to obtain a loan, and I believe this may be the reason. Despite keeping track of or credit, my credit has always been low, and I have not been able to purchase a house either, but the main thing for me is to get this cleared up ASAP. I have contacted the Department of Education on the matter, but after talking with XXXX about it, they suggested contacting you because there may be years of abuse of my personal information.
Consumer complaint received 2024-08-12
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. (FL)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by XXXXXXXX XXXX. I know that it typically takes seven years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Subject : XXXX XXXX XXXX, I am writing to dispute a collection/charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reporting on my Equifax, XXXX and XXXX Credit Report by your company XXXX XXXX evidenced by the attached page from my report is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information.

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file partly or fully when such has been considered income. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and for which a Form 1099-C must be issued. Since your Company failed to issue Form 1099-C, one has been generated, issued, and accepted by the IRS which cancels the debt with the creditor.

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge-off on my credit report is inaccurate and should be removed immediately. 

I am requesting that XXXX XXXX within the next 15 calendar days from the date of this letter rectify this inaccurate collection/charge and immediately delete it from your database. You are also to immediately delete the charge-off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please be aware that at the expiration of the 15 calendar days, should I not receive your confirmation that this issue has been rectified, I will be forced to file complaints with the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 60 days 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. 


XXXX XXXX XXXX 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 8
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

on XXXX, i sent letters to the CRA 's about reporting inaccurate and incomplete information on my credit report that is not 100 % accurate and complete.per 15 usc 1681e ( b ) all information has to be 100 % accurate and complete before reporting to a consumer report. 
I am requesting deletion of the inaccurate information and send me an updated report within 15 days. 
I have the USPS CERTIFIED TRACKING for all XXXX as well : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX EQ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED COPIES OF LETTERS FOR YOUR REFERENCE ALSO THE XXXX XXXX ACCOUNTS HAS BEEN SENT TO COLLECTIONS SO IT CAN'T REPORT TWICE ON THE SAME ACCOUNT
Consumer complaint received 2024-05-09
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)

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> 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 2023-02-25
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: EQUIFAX, INC. (MI)

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 U.C.S 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 1681c-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 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX I looked at my credit report and noticed some inaccuracies. I sent a letter to Transunion on XX/XX/year>, asking them to investigate these accounts, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I sent the letter certified. They sent me a reply stating they investigated, and the accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish information that is accurate and complete. I did not receive the required 21-day prior written notice from the creditor/lender regarding the late payment as mandated by the FCRA. This omission means the late payment entry may not meet the accuracy and completeness requirements. 

I have already attempted to resolve this matter directly with the creditor/lender, but the incorrect entry remains. Therefore, I request that you investigate this dispute and correct or remove the inaccurate late payment entry from my credit report. 

Late payment XXXX XXXX XX/XX/year> Please provide written confirmation of your receipt of this dispute and notify me of the outcome of your investigation. I kindly request the CFPB 's assistance in investigating this matter and ensuring that the erroneous late payment is removed from my credit report.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-09-01
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)

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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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- [ 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 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

I received notification on XX/XX/XXXX of being eligible for a fiscal year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX ( XXXX ). XXXX confirmed they sent the necessary supplement information to have the award applied to my account. In a conversation with a Mohela representative on XX/XX/XXXX, it was confirmed the supplemental information for my award was received but the funds have not yet been applied to my account. 

I then spoke with a Mohela representative on XX/XX/XXXX who submitted my request for review, advising I wait XXXX business days for a response. I received an email stating the XXXX XXXX XXXX with Mohela is looking into the matter. I sent an email to the XXXX XXXX XXXX regarding a response on XX/XX/XXXX. No response was received, so I sent a follow up email requesting a response on XX/XX/XXXX. 

I have been unable to make any progress with getting Mohela to apply the loan award to my loan balance.