davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 Account Number XXXX XXXX XXXX  {$3200.00} POSTED ON XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2024-04-12
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. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

Good day, When it was suggested to apply to the SAVE program, I applied but was denied. When I contacted Mohela, I was told that my income was too high.

I was sent a query about Mohela 's handling of my loan. I shared that I was denied the SAVE adjustment and was concerned about the reported qualifying payments for two loans. Initially, the platform showed that I had XXXX qualifying payments with XXXX  verified payments, XXXX  payments that required employment verification, and XXXX ineligible payments. I shared that I have sent in my employment verification several times with no resolution.

About a week or so back, I received an email that I would have a new loan servicer so I should download my information from Mohela. When I went back to the platform, my loans now showed XXXX verified payments, and XXXX  payments needed. 

I do have screenshots from the platform.
Consumer complaint received 2023-04-01
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. (TN)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2024-04-12
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. (NY)

I have lost track of the numerous letters I've sent to your bureau regarding my identity theft case, as my concerns remain unresolved. Once again, I am disputing the fraudulent information negatively impacting my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite submitting the required FTC complaint, your bureau persists in reporting these fraudulent accounts on my credit report. I want to stress that I've already contacted the banks associated with these accounts, submitted necessary documents, and had the accounts promptly removed from their records.
Consumer complaint received 2024-04-12
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2022-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CO)

Hello. I have an account for federal XXXX loans. I applied for XXXX in XXXX and have not been able to get any information on my qualifying payments or the status of my loan. Every time I call, I get different information from each person.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

When the Temporary Expanded Certification and Application ( TEPSLF ) was announced for Public Service Loan Forgiveness ( PSLF ), I contacted XXXX XXXX XXXX  and asked what I needed to do prior to submitting my application. 

I was told by XXXX XXXX XXXX  to transfer to Mohela as my provider and to consolidate 2 small loans, but that the rest of my student loans would qualify without consolidation. 

On XX/XX/XXXX, my principal signed the TEPSLF certifying that I have worked full time ( 45 hours per week ) in a qualifying position since XX/XX/XXXX. 

On XX/XX/XXXX, Mohela Student Loan Provider processed my TEPSLF. I waited the 90 days for my Payment Tracker to show that I have been working in public service since XX/XX/XXXX. 

On XX/XX/XXXX, I logged on to Mohela 's web portal to check my payment counts. Only 3 payments, from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are marked as " qualifying. '' My other payments are not even listed, let alone marked as qualifying or unqualifying. 

This is egregiously inaccurate. I have worked in public service since XXXX and do not understand why 1 ) my service during those 3 months qualified, but none of my other service qualified, and 2 ) why my other payments, including those that applied to EVERYONE during the loan repayment pause, do not show as either qualifying or non-qualifying. 

I have reached out to Mohela and keep getting bounced between people who say they're not sure what to do.
Consumer complaint received 2024-04-12
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. (TX)

I am writing to follow up on my previous communications regarding the fraudulent items on my account. This letter marks the several attempt to address and rectify this issue, and I am deeply frustrated that it has yet to be resolved. 

Despite multiple assurances and promises of prompt resolution, the fraudulent charges remain on my account, causing significant financial and emotional distress. As a loyal customer, I expect better service and immediate action to rectify this matter. 

I have diligently followed all procedures outlined by your company, including contacting your customer service department, submitting dispute forms, and providing any requested documentation. However, despite my efforts, the fraudulent charges persist, and I am left feeling helpless and frustrated. 

I urge you to prioritize this matter and take swift and decisive action to remove all fraudulent items from my account. Additionally, I request regular updates on the progress made towards resolving this issue and a clear timeline for when I can expect the matter to be fully resolved. 

Failure to address this matter promptly and effectively will leave me with no choice but to escalate my concerns to relevant authorities and explore legal options to protect my rights as a consumer. 

I appreciate your immediate attention to this matter and anticipate a satisfactory resolution without further delay. With this, I am asking for your assisstance to remove these fraud items in my credit file : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$3100.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$3100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX. 

Inquiry Not Included In Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX *No Inaccurate Personal Information* New Late Open : XXXX  XXXX Balance : {$16000.00} Charge off : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3100.00} Inquiry Included In Dispute : XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hello, on XX/XX/2024 at XXXXXXXX XXXX, I deposited a total of XXXX dollars into my checking account to a Bank of America ATM in XXXX, Virginia and have received nothing. 
( XXXX XXXX XXXX, XXXX, VA XXXX ) ATM NUMBER : XXXX Firstly, everything was working fine. I entered my information onto the ATM keypad and decided to deposit a total of XXXX $ in cash. I first brought out XXXX XXXX and deposited this money into the ATM to go to my checking account. It said it deposited correctly on the BOA ATM. After I saw that it worked fine, showed the right amount, and deposited correctly, I clicked the deposit more money option and proceeded to take out ( XXXX ) XXXX $ bills and deposit more cash my checking account, ( same day ) but, When I was depositing the last amount of my cash, the ATM spit out a error message, canceled out, and I didnt receive any money back at all. 
The error card said We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ) please contact the electronic claims team at XXXX to discuss this transaction.. I immediately checked my banking information to see if I had received the XXXX XXXX but, no transaction went through to my online account and I am stuck with no money. 

I later followed up about this issue with the XXXX XXXX department and explained everything that happened that day to them. They said I would receive mail, and temporary credit into my checking account ( 2-10 days ), and then would permanently add the money into my account ( this could take up to 45 days ) after this issue happened. It has been about 5 days so far. I do not have that much time to wait as I have to use this money to help payoff my families house payment. I have checked everyday, and I have received nor have been compensated for that error. I am concerned because I have not received my temporary credit nor any mail, and the money I deposited on that day was crucial to me. Any help would be appreciated, thank you. 
( image attached below for further information )
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP (GA)

XXXX XXXX on XX/XX/2023. I Never receive a XXXX, a car or anything from them .and the same with XXXX XXXX XXXX XXXX XXXX 
Definitely XX/XX/2023 I never received anything from Them either.onemain finance XXXX XXXX, XXXX  XXXX, XXXX, I never received anything from them or gave them people consent to do anything to my for me and it's one collection that already been paid and the still trying to collect my name is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX ga XXXX is my address and thing else is false. 15 U.S.C 6801-6802, I NEED THESE 5 HARD INQ REMOVED XXXX  NOT XXXX  XXXX
Consumer complaint received 2024-05-01
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. (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 I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX 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 are incorrect?

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

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

15 U.S.C 1681 Section 604A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-04
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (MI)

On XX/XX/2022 I cash app someone {$470.00} in error. Once I found out the person it was intended for I followed the procedure to get a refund. However by this time the company was closed for the day, I reached out to chat support and didnt receive a response from them until the next day. I spoke wil cash several times today on XX/XX/XXXX to no avail no one can help me. I requested a Manger still have not heard back from XXXX by email. Now Im out of {$460.00}.
Consumer complaint received 2024-07-27
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. (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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX DEPT OF EDXXXXXXXX  However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. 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.
Consumer complaint received 2024-07-24
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: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (PR)

During the month of XXXX of XXXX I noticed that the wallet application of my XXXX XXXX showed a message indicating that payment was due on XX/XX/XXXX. I normally pay my prior months charges in full before or on the due date in order to avoid finance charges. Prior to me seeing that message I had paid at or before the last day of the month for about XXXX years. I figured they had changed their due date to be the XXXX of the month so I went along with it and waited to XX/XX/XXXX to make the payment. To my surprise they had charge a finance charge of {$71.00} to my account by then. I immediately called and even sent them a screen shot of the XXXX  app showing now a due date of XX/XX/XXXX. They promised to look into it. A few weeks went by and I noticed the message was no longer displayed on the XXXX  app. My guess was that they fixed the problem. I called again to inquire about my reversal of the finance charge but they stated that they only had a technical complaint about the XXXX  app but not a dispute of the finance charges. I immediately logged a dispute but it was denied about a week later stating that no error had been made on their part and that the finance charge would stay. 

I have included a screen shot of the XXXX  app as it was showing a due date of XX/XX/XXXX the same day I called them which was on XX/XX/XXXX. If I were to follow those instructions I would be changed finance charges again.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, 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. (IL)

Hi, Today, XXXX, I noticed a hard inquiry on my Equifax credit report by XXXX XXXX on XXXX. This is an unauthorized inquiry made by XXXX XXXX  as I did not request anything from this bank in 2019.