davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

Mohela is transitioning to a new payment platform and is providing no help and no information. They are unable to provide any details about my account - at all. They can not tell me how much I owe per month, no even the specific due date. They suggested I look at my bank account records to see how much I paid last time, and that would be how much I would owe for the current months. They informed me that I was responsible for each month 's payments, but that they wouldn't do any negative reporting to credit agencies if I don't pay during the transition. They are completely unable during the transition to process any payments online or by phone. They told me if I want to pay, I can send a physical check with my old account number for now, but that it would likely take awhile to process. She then proceeded to tell me that even that wasn't a good idea, because by the time Mohela gets to that check, my account may have be transferred by that point, and the individual with the check in their hand won't be able to process it. At that point, a new check with my new account info would need to be sent to a different address. Oh, and by that point it could be up to three months, at which point THREE MONTHS OF PAYMENTS COULD BE MISSED. This is an abhorrent abuse of everyone who is managing debt with this company. Even the barriers to payment are prohibitive. They were so useless that I am now losing sleep over this.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (IL)

ED Financial Services reports a balance on two studient loans on my XXXX credit report. I made the dispute in XXXX of XXXX. 
Balance {$14000.00}, and {$11000.00}. These loans were acquired by servicer XXXX XX/XX/XXXX. I attempted to resolve this dispute with XXXX. They did not resolve it, and I called ED Financial, and they would not remove this balance. 
The loans, since being transferred to XXXX, are shown Paid in Full by Dept Of Ed under the PSLF program. 
They seem to think this is the responsibility of XXXX, but XXXX insists that they are ED Financial 's responsibility The amount previously owed to both was duplicated, which then showed my total student loans as over XXXX USD. 
I am attaching the letter that shows the loan was transferred to XXXX and that US Dept of ED shows I have a XXXX balance.
Consumer complaint received 2024-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OH)

I submitted an official application for XXXX unemployability discharge due to service connected XXXX rating from the XXXX XXXX accepted the application and sent MOHELA the notice for indefinite deferral of payments on XX/XX/XXXX. MOHELA is still trying to collect payments despite receiving the paperwork from XXXX. Upon calling MOHELA they are saying they have no record of it because the claims department has not applied it to the account within the XXXX business day period. The account is now past due and XXXX is unable to send another notice to MOHELA for 150 days. MOHELA will also not defer the payments for discharge without the documentation from XXXX.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-10
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)

I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX XXXX XXXX is reporting late payments FOR 32 MONTHS ON XXXX AND EXPERIAN. 

and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX XXXX XXXX, XXXX OR EXPERIAN written instructions to report anything to my consumer report, let alone this late payments/utilization. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX XXXX XXXX, XXXX AND EXPERIAN-violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2023-05-10
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. (NE)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX Date of inquiry : XX/XX/2021, XXXX Date XXXX inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/2021
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. (SC)

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.
Consumer complaint received 2024-05-14
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. (IL)

Delinquent, derogatory, and collection accounts that should be removed. 
XXXX XXXX acct : XXXX XXXX  acct terminated. This is not my account, and I wa t it removed. 
*XXXX XXXX XXXX XXXX XXXX {$4200.00}. This loan was paid in full by court order. Should be removed. 
*XXXX XXXXXXXX XXXX XXXX collection/derogatory {$1400.00}. 
*XXXX  XXXX XXXX XXXXXXXX {$170.00} charge off/collection XXXXXXXX XXXX acct : XXXX {$970.00} collection/derogatory *XXXX XXXX acct : XXXX {$740.00} XXXX/derogatory collection *XXXX XXXX XXXX {$34000.00} student loan opened XXXX XX/XX/1998 transferred to XXXX . It's been paid all school loans paid. Old social security number XXXX XXXX, XXXX XXXX 

REMOVE INACCURATE WITH FAIR CREDIT REPORTING ACT 15 USC 1681 SECTION 604A STATES I HAVE THE RIGHT TO CONSUMER PRIVACY.
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. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I requested accurate information about required monthly payment, but they keep withdrawing ( {$1200.00} ) more money than what I am required to pay ( {$880.00} ) through the SAVE Plan. I have requested the issue to be fixed but the issue persist. I called XXXX, XXXX, & XX/XX/XXXX. I tried two more times this year but was provided wrong/ conflicting information about my monthly payments. I was also placed on administrative forbearance without notice until half way through the forbearance period. The website also showed that my next payment was supposed to be {$130.00} on XX/XX/XXXX. MOHELA has failed to explain why the website said this and why I am paying {$1200.00}.
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: EQUIFAX, INC. (AZ)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
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: EQUIFAX, INC. (NM)

I'm reaching out once again to address my confusion regarding how your credit bureau has handled the investigation into the fraudulent account on my credit report. 

Furthermore, I've directly contacted the company associated with this account, and they confirmed the removal. So, I'm puzzled as to why your bureau is still reporting this account. 

It's crucial to acknowledge that as a credit bureau, you have a legal obligation to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only breaches this obligation but also puts me at risk of further harm. I've already submitted the necessary FTC report to the Federal Trade Commission regarding this fraudulent account. Following this submission, both XXXX and XXXX have removed this account from their records : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (LA)

See attached Doc Despite my previous written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. Why is this errouneous reporting showing a balance owed if the account was charged off? INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 



I am writing to request the immediate deletion of this information provided to you by XXXX XXXX that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with civil/federal court proceedings such as Dixon-Rollins v. Experian Information Solutions
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. (OK)

I XXXX XXXX have been not only apart of data breaches but also the one from Equifax!! I have multiple items and addresses and inquiries that are on my XXXX  reports that are not mine. I do not and have NEVER given these companies my consent for anything. I filed as instructed by Federal Law under 605b to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Instead Equifax said they no longer follow this procedure?? They DO NOT make the Rules and who are they to go back to the very accounts that were apart of Aggravated ID theft and verify through electronic buttons?? THIS IS NOT THE LAW AND I NEED YOUR HELP TO ENFORCE THIS CRIMINAL ACT. They had XXXX  days to block, and send a letter, they DID NOT DO THIS. The accounts are hurting me financially and they are committing conspiracy now. ALL three are Criminals and not protecting the Consumer They are Violating the 605b and other codes with intent to harm me
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: EQUIFAX, INC. (PA)

XX/XX/XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX 

Correct Data : Account PAID As Agreed ( In FULL ) ON Time 100 % -All Bureaus.

Current FICO Equifax Report : Older Derogatory Events : 60 Days ( XX/XX/XXXX ) Older Derogatory Events : 90 Days ( XX/XX/XXXX ) The information, containing derogatory dates, is unique and misaligned in comparison to the same account data across both XXXX and XXXX Credit Bureaus. I did not authorize these inputs or inaccuracies. 

This Data Needs to be removed.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ZIONS BANCORPORATION (AZ)

Complainant : XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona, XXXX. Telephone : ( XXXX ) XXXX. Email : XXXX Financial Institution : National Bank of Arizona, ( a division of Zions Bancorporation N.A. ) XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX. Telephone ( XXXX ) XXXX. Branch manageXXXX XXXX XXXX. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 The response to my complaint is for the CFPB to allow the the bank to hide behind the small print of their paperwork and to try and pass responsibility to XXXX XXXX. 

The responsibility remains with National Bank of Arizona. They, not XXXX XXXX, effected the foreign exchange transaction that gouged approximately {$90000.00} dollars from me by using a rate far from the market price. 

I have provided the Open. High, Low and Close of XXXX XXXX on the day in question in my initial complaint. For more evidence, here is the official XXXX XXXX XXXX statement regarding the market price on the day. 
https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They and their agent used a rate of 1.18, when the market rate was 1.24. 

It is obvious that National Bank of Arizona have not complied with their fiduciary duty to protect my best interests. They have not exercised reasonable skill and care, and there is no sign of honesty and fair dealings in their behavior. They have materially adversely affected my financial position. 

Should there be any doubt, I am happy to proceed in the court of public opinion.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I seek your help in addressing this mistaken account on my credit report. It has severely impacted my reputation, and I require your support. Your improper reporting has caused major damage to my standing, and I demand you remove this incorrect data from my credit report.
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: EQUIFAX, INC. (CA)

I HAVE SENT SEVERAL DISPUTES to REMOVE THESE HARD INQUIRIES ON MY CREDIT REPORT. THESE INQUIRIES ARE NOT FROM ME and I WANT THEM REMOVED RIGHT NOW! 

XXXX XXXX XXXX ( XXXX & XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX " I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. " [ FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, 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, not later than XXXX business days after the date of receipt by such agency ] INFORMATION NEEDED : Full Name : Social Security Number : Date of Birth : Current Address : Primary Contact Number : Email :
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 Account XXXX Account Name : XXXX  Account 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 2023-08-04
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: ENCORE CAPITAL GROUP INC. (IL)

I will not provide my full social in regards to my consumer rights You have violated the right fair credit act section 15 U.S.C. 1681e ] as well as 606 section ( b ) & ( c ) ( d ) 1 I ask that you remove This account under the guidelines of metro 2 format compliance this account is inaccurate under fair Credit section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as 609 ( A ) 1 Sec 611-2A1 ( 2B There is full credit report that supports my statement of this illegal matter on page 20 thats clearly has this account listed under my social
Consumer complaint received 2024-05-30
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. (DE)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.