davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

A payment was made on my student loan account in XXXX for an unknown amount as the payment was made by my mother who no longer has access to these financial records. The IRS XXXX 1098-E form states {$1100.00} in interest paid to my loan servicer that year, but does not state the full amount paid. My initial loan servicer, XXXX was transitioning to MOHELA at the time the payment was made and no payment confirmation was sent for our own personal records. I requested a refund for this payment on XX/XX/XXXX over the phone and was told the request was submitted, however MOHELA does not provide written documentation of phone conversations per the service rep I spoke with. When I called to confirm that the refund was in fact requested on XX/XX/XXXX, I was told no such request has been submitted. A refund request for the XXXX payment was again requested and despite numerous unfounded objections from the service rep on the phone, my refund request was in fact submitted and a written confirmation of the request sent via mail confirming the request prior to the deadline. The refund request was ultimately denied stating over the phone that no payment was made despite having IRS 1098-E confirmation. I did not receive any written communication regarding my refund request denial. I have been unable to confirm the XXXX payment amount despite nearly 10 requests since XXXX, XXXX to receive my comprehensive payment history. I recently received a payment summary stating all payments were effective XX/XX/XXXX yet MOHELA continues to decline my legal right for a refund of the XXXX payment.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I called Experian today to correct inaccurate personal information on my report because they are mixing someones information on my credit report. The representative told me that these inaccurate items are not associated to me but failed to remove them from my report.
Consumer complaint received 2024-05-16
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. (MI)

i do not recognize these credit inquires and i have asked for them to be removed. the bureaus didnt remove i am providing a identity theft report and requesting them to be removed because they are inaccurate and not mine.
Consumer complaint received 2024-05-16
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)

FCRA violations : inquires not mine XXXX XXXX I Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FCRA violations XXXX not my accounts XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$7300.00} Status Account charged off. {$5900.00} written off. {$7300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8300.00} Status Account charged off.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 2024-05-16
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)

The information keeps coming back verified and no documentation has been given to for this, no other information such as address thats supposed to be attached to this address, no documentation has been giving to me. No contract with my wet ink signature had been given to me. According to 15 USC 1681 and 1681C ( C ) I have a right to privacy as well. These accounts dont belong to me I would kindly like theses accounts deleted from the reports and public records
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please provide actual proof of verification and actual proof that your company is following all applicable federal and state law regulations on the account listed below Because I don't believe you are from looking at the account history from last payments dates balances reporting it's not 100 % accurate and I feel like it does not meet the Fair credit reporting act section 611. 

I clearly highlighted the reporting errors and if you do not send in proof that you are following the laws then I will have to seek legal action. 

Send in all actual proof you are XXXX XXXX XXXX Account name XXXX Account XXXX
Consumer complaint received 2024-05-16
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PR)

I asked the credit bureaus to update my name in my credit report and still, the incorrect names still show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2024-05-16
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. (LA)

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 2024-05-16
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. (MA)

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX has violated my rights on XX/XX/XXXX. 
XXXX XXXX has violated my rights on XX/XX/XXXX.

15 U.S.C 1681 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 make 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 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.

15 U.S.C 1681 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 make 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 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. Delete account immediately.
Consumer complaint received 2023-06-08
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: MARINER FINANCE, LLC (FL)

The following debts belong to my father XXXX XXXX XXXX XXXX  in XXXX XXXX. His death certificate was sent to the original creditors and they sold his debts anyway to collectors who tried to collect the debt that's not mine for two years. My father live with me the last year of his life during that time stole my identity his name is XXXX XXXX XXXX XXXX and obtain credit cards services at the hospital and wrecked my life. A local XXXX XXXX county judge has already dismissed two of the following debts has not mine when they tried to sue me yet they keep putting it back on my credit. The following is a list ( XXXX XXXX XX/XX/XXXX XXXX Disputed twice still on XXXX credit report ). ( law offices XXXXXXXX XXXX XXXXXX/XX/XXXX ) ( XXXXXXXX XXXX 2 accounts. {XXXX XXXX Cards obtained XXXX XXXX. XXXX began XX/XX/XXXX. ( Mariner finance XXXX XX/XX/XXXX. Never applied or received the loan from these people never received funds ). ( XXXX XXXX XXXX. XX/XX/XXXX XXXX this list of collections not my debt. They were all obtained by stolen identity yet they punished me now my good credit all these years. In comparison if you look at my legitimate accounts I have never had a late payment or a missed payment in 30 years. I paid off my student loans my home my car 's various different loans over the years without ever missing a payment this in contrast for the false information that basically has my life shut down now at XXXX XXXX XXXX. I'm appealing to you for help in this matter immediately as it is basically cause all doors for me and my wife to move forward in life just in our retirement time. Please help us I know I'm small and insignificant and probably not even worth a lot but I have a lot of faith in you thank you.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (TX)

I purchased a hotel room from XXXX for one night at XXXX XXXX at XXXX XXXX. I paid XXXX in full {$87.00} ( Receipt Attached ) for the room. When I arrived at the hotel they added {$17.00} to my bill. They claimed it was a resort fee. I pointed out to them that I had a paid in full receipt and the fact that their swimming pool and hot tub were both under maintenance and were unusable. The clerk stated he would remove it from my bill since the {$17.00} is a junk fee. He did not remove the fee and my credit card company Navy Federal Credit Union refuses to confront the hotel over the fraudulent charge.
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
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. (CA)

This is a complaint against Transunion. I am a victim of identity theft and I have sent all the documentation that supports my claim, FTC Report, Police Report and this bureau blocked the account for only a few days and not forever. This account was opened without my consent and according to federal laws. Identity theft when disputed with an FTC Report or a police report this account must be deleted immediately, however Transunion does not do so under the Fair Credit Act.
Consumer complaint received 2024-05-16
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. (MI)

From XX/XX/XXXX through present XXXX has engaged in unfair or decepive, and absuive acts and practices. In XXXX of XXXX account ending XXXX was alleged by XXXX to have been charged-off. The data furnished by XXXX to the CRAs has been horridly inconsistentt and rife with facially false derogatory information to include an inaccurate Date of First Delinquency and inaccurate or misleading payment history for all months XX/XX/XXXX throug present. In response their XXXX XX/XX/XXXX to CFPB Complaint XXXX XXXX asked Consumer to understand that XXXX XXXX  is responsible for providing [ the information for account ending XXXX ] to the credit reporting agencies ; [ but ] the creditto On or around XXXX XX/XX/XXXX Consumer reviewed the statements from XX/XX/XXXX through XX/XX/XXXX for account XXXX. On or around XXXX XX/XX/XXXX Consumer reviewed the statements for account XXXX generated between XX/XX/XXXX and XX/XX/XXXX. Consumer found that a temporary credit was applied to Consumer 's accont in the amount of XXXX dollars on XXXX XX/XX/XXXX in response to a billing error notice filed by Consumer ( see statement XX/XX/XXXX - XX/XX/XXXX ). The temporary credit was reversed on XXXX XX/XX/XXXX ( see statement XX/XX/XXXX - XX/XX/XXXX ). From XX/XX/XXXX through XX/XX/XXXX no staements show a subsequent application of a temporary payment. However, the final statment generated BEFORE alleged C/O shows the revesral of a temporary statement credit of XXXX dollars. ( see statement XX/XX/XXXX - XX/XX/XXXX ). The same statement shows no application of a temporary credit. Thus a second temporary credit was reversed that did not exist causing XXXX 's systems to wrongfully charge the balance to loss at the end of XX/XX/XXXX. XXXX 's XXXX XX/XX/XXXX response to CFPB complaint XXXX provided a table corroborating the activity as described between XX/XX/XXXX and XX/XX/XXXX. My account was was wrongfully charged off due to XXXX 's unfair or decepive, and abusive acts or practices. 

Since the end of XXXX XXXX has closed out multiple CFPB complaints by marking said complaints as " duplicates, '' and justifying their actons by claiming the would not conduct any additional investigations without new or updated information from Consumer because thier alleged prior investigation found no errors. The specific complaints marked as duplicates are : XXXX XXXX XXXX XXXX XXXX XXXX Therefore, despite a facially inaccurate DoFD and payment history, it is likely XXXX is foregoing any investigations in response to the CRA 's transmission of Consumer 's dispute notices and documentation.
Consumer complaint received 2024-05-16
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. (CA)

This is an ongoing problem with XXXX that is owned by XXXX  XXXX XXXX. XXXX  XXXX XXXX continues to allege I owe them a credit card debt but it is XXXX  XXXX XXXX who owes me. XXXX has repeatedly claimed to have 'verified ' and 'validated ' this debt without showing me one piece of evidence to justify their reporting. " XXXX  XXXX XXXX said so ''. is their response. This is not acceptable and violates many areas of the FCRA.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I paid off my auto loan that I have never been late on and XXXX XXXX XXXX reported me 180 days late financially and mentally causing damages. 

I was required to fill out paperwork that the credit union provided to dispute the transaction. I also filed disputes with all three credit agencies. The credit union certified that the false information reported was correct with the credit agencies.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-05-16
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. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.