davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

XX/XX/XXXX : Via https : //studentaid.gov/ I submitted to be put on the SAVE plan as a new applicant. As of XX/XX/XXXX this remains in review with my loan servicer, MOHELA. 
XX/XX/XXXX : I checked the MOHELA website to see when my next payment is due. It states {$3600.00} is due on XX/XX/XXXX which is beyond the SAVE amount quoted to me ( approximately {$550.00} ). It also notes that " We haven't received annual documentation to renew payments on your repayment plan, which causes an immediate change in your monthly payment. To see if you qualify for monthly payments based on income and family size, sign into StudentAid.gov and select " Recalculate my monthly payment ''. '' though this was submitted on XX/XX/XXXX and is supposed to be in review. 
XX/XX/XXXX : I resubmit the IDR Plan Request as a " recalculating plan '' to be put on the SAVE plan. 
XX/XX/XXXX : I receive a bill in my email from Mohela reflecting the {$3600.00} noted above. 

I have been told that Mohela should not be asking me to recertify my income before XX/XX/XXXX, which I believe it is asking with the " annual documentation '' as my tax information was used to calculate IDR plan estimates on studentaid.gov. They have also not processed or reviewed my submissions in a timely manner, and I am being adversely affected with a bill that is 6 times the amount it should be. Mohela has given me no communication in this manner.
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

When re-entering post-COVID federal student loan repayment, MOHELA miscalculated my monthly payment under the SAVE plan. While my correct payment is {$67.00}, my first bill was calculated at {$140.00}. Since XX/XX/2023, my account has shown a past due amount of {$74.00} after I was instructed by a representative via phone to pay only the {$67.00} that was correctly due. All of my bills after XX/XX/2023 have been for {$67.00}. Since XX/XX/2023 I have called MOHELA customer service 7 times and have spoken to at least XXXX representatives. I have sent multiple messages through my account portal. No one has been able to clear the incorrect balance due of {$74.00} from my account. I am repeatedly told that the only way to clear the balance is to recertify my income and submit another application for an Income-Driven Repayment Plan. I am not willing to do this as I did not make this mistake. I need this past due amount to be cleared as I am fearful it will yield negative repercussions on my credit in the future.
Consumer complaint received 2024-01-30
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (CA)

Good morning, Im reaching out due to identity theft I filled out a police report and an identity theft report. 

These accounts that is listed arent mine. Please help me correct this information. I have no connection or knowledge of the said accounts. 

Back in 2017 my identity was stolen and has been reported.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have asked at least 3 times for the original purchase agreement from the original creditor and signatures from all parties involved. Because I have had different companies reach out to me about this same alleged debt.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX is reporting XXXX as derogatory on my consumer report when Experian is reporting paid. XXXX is reporting this account as a charge off but according to the IRS charger-offs are considered a certificate of indebtedness, which is considered income. Income can not be reported on a consumer report. Also, the fact that the info is not being reported the same across all three agencies is a violation of 15 USC 1681. All info should be reporting fair and accurately according to this code.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-01-30
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. (IL)

I am writing to formally dispute the presence of a charged-off account on my credit report. I believe there are inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681eb.

I have reviewed my credit report, and the aforementioned account is adversely affecting my creditworthiness. I am disputing the accuracy of this information for the following reasons : 1. Lack of Verification : I request that creditor provide verification of the charged-off account in question, including the date of first delinquency, and any other relevant information supporting the accuracy of this entry.

2. Non-Receipt of 1099-C Form : As of XX/XX/2024, I have not received a Form 1099-C ( Cancellation of Debt ) from the creditor for the charged-off debt. According to IRS guidelines, creditors are required to provide this form when a debt is cancelled or forgiven. Failure to do so may violate tax regulations.

3. Violation of 15 USC 1681eb : I believe that the reporting of this charged-off account without proper verification and documentation may be a violation of the Fair Credit Reporting Act, specifically 15 USC 1681eb . I request that the creditor investigate this matter thoroughly.

Please provide a detailed investigation into the accuracy of the reported charged-off account, and if it is found to be inaccurate or incomplete, I request its prompt removal from my credit report.

Additionally, I request that you investigate the failure of this Creditor to provide the Form 1099-C, as this may have tax implications for which I am not currently informed.

I appreciate your attention to this matter and expect a timely response within the XXXX period stipulated by the FCRA. If you are unable to complete the investigation within this timeframe, I request that you inform me of the delay.
Consumer complaint received 2024-01-30
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2024-06-05
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: Bread Financial Holdings, Inc. (CA)

I complained about the late payment they reported in XXXX because of an error the company made and i submitted a dispute through XXXX and the account came back closed. I never closed the account. they closed it without my consent. Please investigate this company
Consumer complaint received 2024-06-05
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: American First Finance, Inc. (TX)

I am writing with grave concern over a derogatory rating that has appeared on my credit report. This inaccurate negative mark is already causing me significant financial hardship and emotional stress. Due to this erroneous rating, I have been denied a recent loan application and seen interest rate hikes on my existing credit accounts. I can not overstate the detrimental impact this is having on my finances and wellbeing. 

I am formally requesting that you take immediate action to remove and block the improperly reported derogatory information from my credit files at all three major consumer reporting agencies, as mandated by law. I expect you to promptly delete these inaccurate negative entries within the legal timeframe requirements.
Consumer complaint received 2024-01-30
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-30
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. (MA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have previously submitted documentation and successfully had these accounts removed from other credit bureaus. However, they continue to appear on your report, causing ongoing damage to my creditworthiness. I want these fraudulent accounts to be remove as what other bureaus have done. I am confused how these accounts keeps on persisting on your report when other bureaus already fixed the issue. Account Information : XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance {$0.00} and XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX  Balance {$17000.00}. It is perplexing and unacceptable that your bureau persists in reporting these accounts, which not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also hinders my ability to secure credit and financial stability.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

XXXX  XXXX -- -- XX/XX/2016 XXXX  -- XXXX XXXX XXXX XXXXXXXX These are not mines and need to be blocked and removed from my credit repor! 
I contacted each company and they said they removed but the bureaus arent removing for whatever reason. I sent proof and the foreign people at bureaus arent ever helpful. 

In accordance of the Fair credit act the list of accounts and letters sent to the ftc and bureaus shpid protect my rights. 15USC 1681 C ( A ) ( 5 ) AND 604 ( A ) AND IT STATES IT CANT DO ANTTHING WITHOUT MY CONCENT! pLEASE REMOVE THIS INFO AS IT ISNT MINES THANKS. I AM ME I AM NOT A CREDIT AGENCY SO DONT TRY AND SEND THOSE STALL LETTERS ABOUT A CREDIT COMPCLINIC CAUSE IT DONT RELATE TO ME. NO TIME TO STALL LETS UPDATE AND BLOCLA ND REMOVE THESE ITEMS PLEASE. THANKS!!!!
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my KIKOFF LENDING LLC account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2024-06-12
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)

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 has violated my rights. 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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reported fraudulent activity on my credit report to XXXX Regarding them reporting a fraudulent account that was opened in my name along with a police report showing proof and its still on my credit report negatively affecting my credit and inability to obtain credit. Which is in violation of my rights from XXXX under the FCRA law.
Consumer complaint received 2024-01-30
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. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-01-30
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I was trying to reschedule a flight with XXXX XXXX that I booked through Chase Travel. On the XXXX XXXX website, it was free for rescheduling, but since I booked through Chase, I needed to contact Chase so they could reschedule for me. 
Chase Travel customer service told me that I could only reschedule it for a penalty as well as the differences between two flights. I'm very dissatisfied that Chase Travel doesn't honor the airline company 's policy and instead tried to charge the customers as much as possible.
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (GA)

I have been trying to get help keeping my home, specialized loan servicing wont help me, I called and spoke to a associate today XX/XX/XXXX and they told me to apply for unemployment forbearance, I was working when I was diagnosed with my XXXX XXXX. I had to quit my job XX/XX/year> I get XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX. The associate said that my investor allows unemployment forbearance. I am asking for a 4 month unemployment forbearance. In 4 months I can bring my account current. I am still on XXXX XXXX and I am still XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to bring my account current.
Consumer complaint received 2024-04-11
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. (MO)

I filed a complaint with Experian to dispute this account as it is not mine and instead they did not complete an investigation. The account says it was opened in XXXX of this year, but is already in collections for over XXXX XXXX dollars. This is a fraudulent account that I did not open.