davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

I notice that is information is on my credit report and I am requesting that this be remove from my credit report immediately due to inaccuracies on my report. 15 U.S. Code 1681e ( b ) is part of the Fair Credit Reporting Act ( FCRA ). It deals with the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reports and my report is inaccurate due to this matter.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! Ive submitted proof of Identification card, Social Security card proof of address and FTC
Consumer complaint received 2024-05-22
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ATTACHED ARE MY ID AND SOCIAL TO VERIFY IDENTITY AND FTC POLICE REPORT
Consumer complaint received 2024-07-18
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. (PR)

I want that these account be removed because the payment history reflects continued reporting a charge off after this account was closed.this represent an improper use of my crdito report. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (TX)

Hello, I have been disputing unrecognized inquiries into my perfect credit history for a couple of years and have been denied every dispute, without being provided actual proof of the validity of each and every inquiry. They simply verify it with a third-party company and say it has been verified, often within minutes of filing an actual dispute. 

Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. 

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 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 These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my FICO score and affect the rates I pay on personal and business credit. 

Previous promises by the credit agency to remove these did not occur. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with ( XXXX XXXX, XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-23
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. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

On XX/XX/year> my loans were placed on forbearance without my knowledge or consent. I requested to remove the forbearance the next day. 

On XX/XX/year> all my loans interest was capitalized, resulting in {$28000.00} being inappropriately capitalized. This will result in greatly increased monthly interest due to Mohela.
Consumer complaint received 2024-05-21
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)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is incorrectly listed, so kindly remove it from my credit file. I am entitled to receive {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-05-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OH)

My loans were with XX/XX/XXXX. I was eligible for PSLF and applied for that within the appropriate timeframe submitting proper documentation. 
Although there was not a large balance on my loans by that time, that was because I had been paying on them during the majority of XXXX. 
PSLF protocol indicated that I would be reimbursed appropriately for payments previously made that were appropriate to public service loan forgiveness guidelines. 
If needed, I can pull myXX/XX/XXXXphone records showing how many phone calls and hours I spent on the phone with Mohela and XXXX. I can also provide copies of many emails. And I can provide evidence of payments deducted from my bank account monthly during the pause. 
By phone Mohela stated that they could not see evidence of the PSLF and advised patience for everything getting switched from XXXX. In XXXX I got an email from Mohela thanking me for my public service, etc. and that they would be handling the PSLF. No email following that referenced successful processing of that PSLF. 
I have a list of emails from Mohela which contradict one another : in XXXX : " you have paid in full '', but in XXXX : " your {$5.00} payment begins ''. 
I called XXXX today and was told that they show my loan balance is XXXX, but they can't see if that is because I paid it all off myself or if there was forgiveness. 
Now my credit score is even showing loan payments owed by me! 
The resolution I am seeking is to have the rightful reimbursement of the amounts I paid above and beyond my requirements under the PSLF guidelines. I have been providing faithful public service, and deserve to have this situation put right. Thank you very much. XXXX XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-01-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

All the collection bills they are changing the dates to a sooner date and not the date the bill was actually made their double collecting from me from XXXX separate collection bureaus on the same exact bill, so that they can renew the amount owed and reestablish a new date. Trans Union also found out that I have sent a complaint and do you and right after the complaint was made, they decreased the amount of points on my credit bureau because I sent in a complaint about them. You guys really need to monitor Trans Union because theyre playing games with peoples lives because they dont like the fact that people are turning them in TransUnion needs to have all their accounts and paperwork to be collected and shown because they are ripping the public off. Its just like XXXX because of the fact that I no longer have an account being paid straight to XXXX. They also decreased the amount of my points because of that reason, this is a total rip off to the public. I thought you guys were supposed to monitor these people and evidently youre not doing your job either.
Consumer complaint received 2024-05-21
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. (MA)

XXXXXXXX XXXX XXXX is still reporting as a closed account but many months that were past due. During the XXXX XXXXXXXX pandemic, I entered into an agreement per the federal and XXXX XXXX that allowed for a payment readjustment during the emergency. XXXX  per law agreed to the adjustment. 

Once the pandemic period was over, XXXX re updated all the old late payments. They violated the agreement that we had in place. 

I have disputed this with the credit bureaus as well and I am requesting that they delete the record on file per US code 15 USC 1681 I US Fair Credit Reporting Act and US 1681 E and all other applicable codes.

Please remove from my credit report per XXXX Payment Agreement that you didn't honor
Consumer complaint received 2024-07-18
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. (NY)

My rights as a consumer was violated by all XXXX  credit bureaus. USC 1681 Under the section of permissible purpose, it states that you can not furnish a report without my written instructions. US code 1681 Section 602 also states I have a right to privacy. US code 6802 also states non public information should never be reported. I have went ahead and filed a lawsuit.
Consumer complaint received 2024-05-21
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. (PA)

TransUnion has fail to properly investigate the Account and question that they are fraudulent and refuse to investigate and send me proof of the accounts I submit police please report also identity, theft report, and they still fail to remove or properly investigate the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upgrade, Inc. (NC)

Was told the wrong date for a hardship installment, was not informed until XXXX weeks later after I missed the first payment that I was no longer on the program and would be reported late for a payment that I had no idea had to be payed. Also my online account information is incorrect, does not show a pass due, just the date I had to pay ( the date I thought I did ) Company is practicing bad consumer relationships through whole process. Will not take any responsibility in causing me to be late.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-05-22
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. (GA)

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 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 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

I have a XXXX XXXX card that partners with AMEX. I earned a {$100.00}. voucher to be applied to a XXXX ticket at a later date. I purchased a XXXX XXXX plane ticket on XX/XX/year>. I paid for it in miles and cash ( {$500.00}. ) The transaction would not allow me to use the voucher. I contacted XXXX and they told me that they have no recourse, it is an AMEX problem. I contacted AMEX and they blamed XXXX. This is not right. What is the point in earning perks on this credit card, that I pay a large fee for, if I can't use them? The XXXX rep I spoke to referenced a software issue that won't allow for it. AMEX blamed them. I am a senior citizen on a fixed income. {$100.00}. is a lot of money to me and I saved it for this ticket. The voucher ( ecredit ) expires tomorrow and they never gave me any other options. Again, this is not the way to treat customers. These rewards cards take advantage of consumers.
Consumer complaint received 2024-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

I called my student loan servicer ( Mohela ) on XX/XX/2024 to inquire about the change in my repayment terms from an email I received on XX/XX/2024. According to this update a few of my loans were put on a different repayment plan ( it is referred to as the Level plan ). I NEVER requested any change to the Level plan. When I called to ask what was going on I was told it was an accident or a glitch. I asked if it would be fixed and I was told it would be fixed when my new IDR/SAVE repayment application gets reviewed and a decision has been made. The Mohela representative told me if it is not fixed to call back on XX/XX/2024 to have my administrative forbearance extended and have the Level plan fixed. Again, I never requested my loans to be put on the Level plan because it greatly increased my monthly payment.
Consumer complaint received 2024-05-24
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: BARCLAYS BANK DELAWARE (NY)

I didn't recognize 2 inquires on there report, one dated XX/XX/XXXX and the other Dated XX/XX/XXXX both from XXXXXXXX XXXX XXXXXXXX  on Credit Wise website associated with Capital one Bank Account.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute an item that was previously removed from my credit report but has been reinserted. The item in question is : [ Description of Creditor : XXXX XXXX XXXX Date of Original Dispute:XX/XX/2024 Date of Reinsertion : XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the accuracy and validity of this information. I previously disputed this item on [ Date of Original Dispute ], and it was removed from my report. However, I recently noticed that it has been reinserted without proper notification or verification. 

Please provide me with all documentation that supports the reinsertion of this item, including any communication or information received from the data furnisher. If the item can not be verified, it must be permanently removed from my credit report. 

I am enclosing copies of my previous dispute letter, the CRAs response, and my recent credit report showing the reinserted item for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response within the time frame specified by the FCRA.
Consumer complaint received 2024-05-22
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. (GA)

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 2024-05-21
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. (FL)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-22
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)

I reviewed my XXXXonsumer Reports and noticed that It is reflecting a balance. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I do not owe a balance to this company. 
( XXXX XXXX : XXXX ) Please investigate and provide Proof with statements showing that the balance was never paid.. If proof can't be provided I demand this account be updated to reflect current and paid, or removed from my credit report.