davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (NJ)

Dear Sir/Madam : XXXX has my credit score listed as XXXX and Equifax XXXX with the SAME information. AFTER i disputed FALSE infomation on my account with Equifax, they LOCKED me out of my online account. On XX/XX/2022 I call Equifax and spoke to XXXX XXXX XXXX # " XXXX  '' who request that I upload my driver license. I complied, however, the system WOULD NOT allow me to do so, then I was instructed to provide her with VERY sensative PERSONAL information over the telephone. I answered ALL the questions correctly and my account is STILL locked. She even wanted to know the date I file my dispute AGAINST Equifax. I complied and gave her the correct response because the information I have on file and she STILL refused to remove the BLOCK off my account so I can have access via online. I believe that I am being retaliated against for filing disputes against Equifax. As a result, I being prohibited from apply for a credit card with XXXX XXXX Bank because they need me to unlock my credit report with Equifax and Equifax is retaliating against me for filing complaints against them for having FALSE information on my report and reducing my credit score.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

XXXXXXXX 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 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 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (SD)

I have had nothing but trouble since having MOHELA as my loan servicer. I applied for PSLF in XX/XX/XXXX. My employer was never certified, and to this day no payment counts have been updated. I attempted to discuss these issues many times with MOHELA and was always given the same response to " just be patient and not worry. '' Well, a year later nothing has been updated and nothing has changed. I have since left my employment with XXXX XXXX to care for my children, however, I should have a year 's worth of service calculated. I do not. MOHELA failed to correct these problems, gave poor advice, and did not care that I was trying to find a way to pay off my student loans. 

My current student loan balance is exceptional. It is {$380000.00}. I am enrolled in an income-driven repayment plan which makes my payments {$0.00} due to family size. Clearly, I am never going to pay this loan off in my lifetime, however, I am unable to file bankruptcy or find another way to lessen the burden. The loan will haunt me forever. I have worked so incredibly hard to rebuild my life from a very low place 10 years ago, and I continue to hit brick walls set up by the system. There is no relief, there is no future. I have XXXX children. I have thought about ending my life many times simply to be free from this debt, but my children keep me alive, and I am blessed that they are in my life. 

The income driven repayment plan is helpful, making the payment {$0.00} a month. Even with current credit, however, I can not get a loan because of the amount of debt I carry. It is a pointless consolation for people in my situation. 

This brings me to the most recent error on MOHELA 's part. My statement on XX/XX/XXXX had my payment amount at {$0.00}. The statement on XX/XX/XXXX has my payment listed as {$4200.00}. I have read other people saying they had been approved for a {$0.00} repayment amount and got a bill for {$300.00}. Try getting one for over {$4000.00}. It is insulting, it is unethical, and I am tired of trying to get answers from this loan servicer. I am tired of fighting a losing battle against an opponent so large it can not lose. I simply want to be free from my debt and no longer have to endure the anguish of trying to make this right.
Consumer complaint received 2023-11-02
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. (IN)

You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 


XXXX  XXXX Late Payment {$0.00} EXTRA Late Payment {$0.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$860.00} XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2023-05-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Good Afternoon, On multiple occasions ( too many to remember dates ), I have contacted Experian regarding inaccurate information on my credit report. On each occasion, I would get generic letters reporting the information was " verified '' and it will remain. On each occasion, I have requested the submissions of the documentation used to verify the investigation and do not receive a response. 

I later went through other sources to have my request reviewed. I went through XXXX XXXX. XXXX is a provider of bankruptcy information to Experian. Through XXXX 's " two investigations '', they could not verify the report 's accuracy or the information they have and submitted me a letter on letterhead documenting that it was removed from the file ( Bankruptcy Case # XXXX ). 

I later submitted this same information to Experian for review ; once again they have failed to acknowledge " documentation '' from their own provider source. 

Therefore, Im requesting your company 's assistance in this matter. 

No, Im not submitting any additional documents, address, phone numbers, social security, letters or etc. You should already have that information ( Experian ). I need copies of the documents you claim to use to verify for review only.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-11-02
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. (MD)

Dear Sir/Madam, I am asking for your assistance on this matter. I've been sending letters to Experian since XXXX and I have received their correspondence at all. I want this account to be REMOVED on my credit report as I have no knowledge about it. I didn't remember having this in the past. I wish they would listen to me this time.
Consumer complaint received 2023-11-02
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-11
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. (FL)

A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that are inaccurate. 

This agency is in violation of 15 USC 1681i, in your response to my dispute you claimed that the account -AXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have validated inaccurate information and this account is hereby disputer. 
The information on this account being furnished on my consumer report in fact is inaccurate. 

15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information In general, 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 of 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of these account ( XXXX ) is/are violations of 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 

DELETE this account from my consumer report XXXX XXXX
Consumer complaint received 2023-11-02
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. (PA)

THIS IS NOT A DUPLICATE REPORT It contains items submitted today to government entities that XXXX XXXX will not address and accept. 

XXXX XXXX REFUSES to remove hard inquires from my report that are fraudulent. I did not apply for a XXXX at any time, and two accounts listed ( XXXX AND XXXX XXXX XXXX ) still remain. The other agencies have removed these. 

I was denied housing, one of the reasons was THESE HARD INQUIRIES as stated on the adverse action. 

ANOTHER was the fact that they continue to list the last fraudulent account out of 25 or more that were made while I was medically incapacitated and LEGALLY unable to make decisions for myself or take out loans etc. 

This was done DIGITALLY and since the person had access to ALL of my personal information and bank account, I had no idea it was done, had been done, or received any monies from the transaction or goods - or could have know of their existence. 

These items need REMOVED. 

XXXX is also reporting the XXXX XXXX account and refuses to remove it. 

EXPERIAN refuses to remove two items, including a XXXX account and the above mentioned XXXX XXXX account. The XXXX account was taken out during the same time frame in XXXX, but as many others did my LEGAL NAME was not used when opening it. I have asked for a SIGNED copy of the report, but it does not exist. The vendor stated " it was digitally signed. '' This fact made it EASY for someone to open this and over 25 otrher accunts as all they needed was my information and bank account info. NO attempt was made to contact me to verfy, or ANY other type of verification. This behavior is and continues to be reckless, and the company has nothing to lose as it then harasses vicitms to repay the monies taken out illegally, compounding the problem with PREDATORY behavior. In their own words ( and XXXX XXXX SAID THE SAME ) " we don't care who pays it someone will - whether they took out the loan or not. '' They are revictimizing people with this behavior. 

FURTHER, the XXXX account was opened with a false name I do not use, and had charges made XXXX miles from where I live in a short period then apparently thrown away. 

I have attached all the needed documents to do remove these and identify me. 

I AM NOT MAKING THIS DISPUTE IN ERROR. 
I AM NOT MISREPRESNTING FACTS. My XXXX through XXXX and the documented reports from LAW ENFORCEMENT ( APS ) verify both the injuries, circumstances, and the crimes committed against me. 
I HAVE NOT RECEIVCED GOOD OR SERVICES AND AS A REULT OF MY DISABLING INJURY COULD NOT HAVE BEEN AWARE OF ANY GOODS, MONIES OR SERVICES RECEIVED. 

The agencies CONTINUE to send CANNED responses simply stating I did one of the above. 

IT IS NOT THE CASE. 

I HAVE SUBMITTED FTC ( newly filed today ), CFPB ( NEWLY FILED TODAY ), XXXX, and LAW ENFORCEMENT ( APS ) files to the agencies. XXXX IS A LAW ENFORCEMENT AGENCY AND HANDLES VULNERABLE ADULTS LIKE MYSELF.
Consumer complaint received 2021-03-07
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: EQUIFAX, INC. (TX)

On XX/XX/2021 I submitted a dispute to Equifax. It is now XX/XX/2021 and the investigation has not been completed. This investigation has taken longer than 30 days.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Tired of being ignored month after month about inaccurate information which has never been verified to me after asking for proof of the reporting. I am yet to receive proof but still this inaccurate information keeps reporting.
Consumer complaint received 2023-08-27
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. (MS)

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681.

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX : account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more According to 15 U.S.C 1681 i ( 5 ) they are suppose to

modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602A. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

My credit report shows a collection been deleted from my report on XXXX but have not updated on the ot

her 2 bureaus. I have sent letters to all 3 bureaus in the past. 15 USC 1681 e ( b ) - ( b ) ACC
URACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (NJ)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for.I 'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-11-02
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. (PA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168i ( 5 ) I received the notification that the investigation was completed and notice a lot of things were still the same. Experian, XXXX XXXX did not modify or remove inaccurate information from my reports. Personal information such as addresses, account open dates, last active days, balances, dates of last payments and payment history data are not correct which is a violation. I am a divorced woman mother of XXXX and this is impacting me from moving forward to buy the car I need to go to work everyday. I attached my credit report and highlighted the inaccuracies they didn't removed
Consumer complaint received 2023-07-04
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-02
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. (GA)

I have been a victim of identity theft since XXXX. The form of identity theft is aggressive and I have attempted to build a case with the Social Security office to potentially see if they could assist. I have been getting the run around for years and I am looking to regain control of my identity and my life.