davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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. (GA)

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 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 2024-04-23
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. (CO)

Today I discovered that Experian has been publishing my employer as " SSDI XXXX '' publicly, which is a violation of federal regulations that protect healthcare information. I have tried to gain access to the records and update them, however this does not repair the damage that this company may have already done, as they have been publishing this information for several years. Experian and the company which reported the employer to Experian, are in violation of the Health Insurance Protection and Portability Act.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Ensuring payments are always made on time for this account has been my priority, preventing any instances of lateness. I'm puzzled by reports indicating late payment notes on my accounts. As per 15 USC 1666b - Billing Error, rectifications are necessary.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MA)

I am writing to dispute the validity of a collection account appearing on my credit reports. According to my XXXX and Experian credit reports, there is a collection account listed with the following details : Account Type : Charge Card Account Status : Indeterminate Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Payment Status : Charge-off Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX I am disputing this collection account for the following reasons : Inaccurate Reporting : The information regarding this collection account is inaccurate. I have never held a charge card account with XXXX, and I dispute the validity of this account. 
Lack of Documentation : I have not received any communication or documentation regarding this alleged debt. Therefore, I am requesting that you provide detailed documentation validating the existence of this debt, including the original creditor 's name, the amount owed, and any relevant account statements. 
Indeterminate Account Status : The account status is listed as " Indeterminate, '' which raises questions about the accuracy and validity of this entry on my credit reports. I request clarification regarding the status of this account. 
As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. If you are unable to provide sufficient verification of this debt within 30 days, I request that this collection account be removed from my credit reports.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On Experian it says that my name is listed as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 

It also says that my year of birth is XXXX when it is XXXX. 

There are also a number of addresses on the account that do not belong to me. 
The incorrect phone numbers have been disputed
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These two illegal collections are fraudulent and they need to be removed off my report. These two accounts are illegal and I've finally hired a credit specialist to remove these fraudulent items. Please remove these items off my credit report! 

XXXX XXXX  {$140.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX {$13.00} Date Opened XX/XX/XXXX **Inquiries** These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit specialist. Please remove all these illegal/fraudulent inquiries off my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I have been making additional auto-debit payments for my student loans starting XXXX XXXX. I had been under the impression that they would be applied to my principal, but found out in XXXX that they were being used as paid ahead payments. 

XX/XX/XXXX I sent a standing payment instruction for the additional amount. The response said it should take XXXX business days for the account to update. 

On XX/XX/XXXX I messaged saying I had not seen the changes reflected in my account. The online response XXXX said that I should call. So I called on XXXX and was told that the way I worded my request was incorrect. I verified that if I submitted the request that the previous payments would retroactively be applied to my principal. I submitted the correct request on XXXX, " This is a standing payment instruction : I request that the paid ahead status be removed from my account for my payments, including previous and future payments. The additional amount of {$240.00}. Disbursement date XX/XX/XXXX. Loan type : DL Consolidation Unsubsidized. I thought my additional payments were already paying down my current bill. I have submitted a previous request and called. The representative told me to phrase it this way '' I received the following message : Please allow XXXX business days for processing. Be advised all payments received takes XXXX business day to post to your account and an additional XXXX business days for reapplication of the payment requested. 

On XXXX I messaged asking about the status and received a response XXXX saying it was still in progress. This is much longer than the maximum 6 days cited in the message reply. 

On XX/XX/XXXX, still not having seen updates to my account, I called again. This time, the representative said they received my request and it would take XXXX  days to process it. When I asked about it being retroactively applied to the payments up until this point, they said no- they do not do that and I should stop paying extra in the meantime
Consumer complaint received 2023-12-09
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. (OH)

I got a call sayin I owe a debt Pursuant to 18 USC 8, I owe no debt these companies is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1681A ( 2 ) ( a ) ( i ) late payment 18 USC 1341 Fraud and swindles
Consumer complaint received 2024-04-23
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)

I am writing to address the inaccurate reporting of my student loans on my credit report. My student loan debt has been fully discharged through the Borrower Defense Act as of XX/XX/2023. Federal Student Aid confirms that I have a {$0.00} balance on all six loans.

Upon discovering this discrepancy, I reached 
out to the loan servicer to inform them of the discharged status of my loans. However, they directed me back to Federal Student Aid, stating that they should reflect the same status. Subsequently, I initiated a dispute both with Federal Student Aid and the credit bureaus.

Despite following the proper dispute procedures and waiting the allotted 30 days, only three out of the six loans were removed from my credit report. I have made multiple attempts to contact XXXX XXXX without success.

Given that Federal Student Aid acknowledges that I no longer owe these loans, it is unjustifiable to continue damaging my credit by reporting them. I urge you to take immediate action to remove these erroneous and illegal accounts from my credit report.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

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 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (FL)

Please see the attached documents for context. At this time Truist Bank has taken a stance to hold me responsible for the amount of {$870.00}. I have received no evidence that they contacted the company that scammed me nor have I received any evidence as to how they came to their conclusion to hold me responsible for that amount. I would like to dispute having to pay any money back due to me being a victim of a fraudulent act. Also, at this time XXXX has covered the fraudulent checks resulting in me paying back {$0.00} because they are not holding me responsible and they understand I am not at fault.
Consumer complaint received 2024-07-26
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. (PA)

On XX/XX/year> I mailed a dispute to Equifax regarding inaccurate and incomplete information on accounts on my Equifax Consumer report ( receipt with tracking number attached ). Equifax responded with a stall tactic letter stating I needed to include my state ID and and social security card which were attached. Equifax did not investigate my dispute. I mailed the dispute again on XX/XX/year> ( see receipt with tracking number and copy of letter in attachments ). Equifax responded with another stall tactic letter saying I was claiming identity theft. Again, Equifax did not investigate my dispute. I am submitting my dispute to be investigated.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

Ive sent equifax proof of identity ( ID & SS card ) theyre stating that those are valid documents, but are requesting that i send those same exact documents over again. 

The representative that I spoke with stated there were NO documents. He then placed me on hold when I told him the documents were sent to Equifax 90 days again and he in fact they have the documents but I have to mail them out again. He refused to transfer me to a supervisor stating they were too busy.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name XXXX XXXX XXXX disputing the this account I ask it to be deleted now I never opened this account my identity was stolen 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

Law 15 U.S.C. 1681-1681x 1029. Fraudulent Presentment and Related Unauthorized Credit Card Transactions Made by Access Device18 U.S.C. 1029 ( a ) ( 7 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts ACCOUNT NAME : XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$240.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Sales Contract Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid in settlement/Never late. 
Status updated XX/XX/year> Original balance $ XXXX  Monthly payment - Last payment date XX/XX/year> Additional info XXXX XXXX XXXX 24 Months Company sold - Original creditor - Comments Account paid in full for less than full balance Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-09-10
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)

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

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXXXXXX XX/XX/2023 : XXXX XXXX  XXXX XX/XX/2023 :
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Equifax permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX
Consumer complaint received 2024-04-23
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. (CA)

in accordance with the Fair Credit Reporting act XXXX, XXXX account # - XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Consumer complaint received 2024-09-10
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove the inquiries that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MO)

My XXXX Account that I have had for approximately a year and half and have XXXX dollars taken out weekly from my outside banking account had a spending account opened not by me and on XX/XX/XXXX took XXXX dollars out of my outside banking account and on XX/XX/XXXX took XXXX dollars out of my outside banking account. They further tried to take XXXX dollars out of my outside banking account on XX/XX/XXXX but was able to stop this transfer once I realized what was happening as my bank account was wiped out. 

This money was then sent out to XXXX Recipients in the following amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX We reported this on XX/XX/XXXX to Credit Karma and have heard nothing back for 25 days. 

We have called repeatedly and only to get the run around from them and that " they have a special department working on it that does not take calls '' We called to dispute the XXXX charges on an account that I did not open to only be told on a recorded line that " we are unable to dispute any charges on our account '' by the Customer Service Rep. 

I chatted with your Member Support on XX/XX/XXXX to be told and I quote '' I personally will follow this case up, I understand how you feel at this moment. I would feel worried as you at this point, according to the system you have an update or resolution on Friday the XXXX, so I will take ownership of this to let you know about it. Sounds good? '' To this day XX/XX/XXXX, we have not heard from Credit Karma by phone, text or email.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I previously submitted a claim for this issue with Transunion, after already requesting that the company investigate the problem. I am attaching screenshots of my original complaint. 

Transunion responded with information about inquiries. I am very well informed on how credit inquiries work. 
The inquiry in question was mistakenly added to my report. Transunion made this mistake. I have already confirmed with XXXX XXXX that they DID NOT pull my credit on XXXX XXXX XXXX Despite this, Transunion has refused to remove the inquiry. This inquiry is listed on my Transunion credit report WITH TRANSUNIONS ADDRESS AND PHONE NUMBER ( See screenshot of credit report ). They need to REMOVE this inquiry and stop treating me like I just don't understand how this inquiry ended up on my report. 

Transunion- please ACTUALLY read my complaint and address this. Review the photos. Check your own records. Remove the inquiry.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (IL)

I opened several disputes due to inaccurate reporting on my credit report with the creditor XXXX XXXX XXXX XXXX XXXX XXXX as well as Experian, XXXX, XXXX. 

They never completed an investigation nor did the provide verification that the payment was late. 

I submitted bank statements and photocopies of the check that I paid them which was cashed well before the statement even closed in XXXX XXXX XXXX, and was in excess of the entire statement balance. The check was cashed a few days after I sent it, but was not applied to my account for months. 

I sent the credit beuaurs letters via certified mail and included a copy of the bank statement, check, my drivers licenses and a health insurance bill showing proof of address. 

To that, the credit agencys sent back a letter stating that they would not open a dispute because they beliebe this was sent from someone other than me. 

I again sent it and they never replied, therefore under FCRA this item needs to be removed from my credit report as I was never late XXXX or XXXX days. The bank lost the check and took months to properly apply it to my account. 

Additionally, even at the time the check was found and applied to my account, it would not have been XXXX days late. 

Thanks,
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF NEW YORK MELLON CORPORATION, THE (SC)

My Grandmother XXXX XXXX due to XXXX XXXX XXXX and now the property is being XXXX on. Need help resolving this issue with more information from the banking institution.