davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (CA)

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.

has violated my rights. 


XXXX XXXX XXXX Original creditor XXXX XXXX Last activity XXXX Balance {$820.00} XXXX XXXX XXXX Original creditor XXXX XXXX Last activity XXXX Balance {$640.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Last activity XXXX Balance {$840.00} XXXX XXXX A Original creditor XXXX XXXX  Last activity XXXX Balance {$510.00} XXXX XXXX XXXX XXXX creditor XXXX CREDIT CARD Last activity XXXX Balance {$1200.00} XXXX XXXX XXXX Original creditor XXXX Last activity XXXX Balance {$690.00} XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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

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 2024-01-23
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. (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 Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX has violated my rights. Or 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 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are multiple fraudulent inquiries being reported on my credit report by XXXX and Trans Union. I already contacted XXXX XXXX Trans Union and disputed/requested for the fraudulent inquiries to be removed. There has been little to no progress. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681, these inquiries must be removed expeditiously. Furthermore, I'm seeking legal action in regards to these inquiries being reported to my credit reports. The inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION 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 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 XXXXXXXX
Consumer complaint received 2023-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

My student loans were part of the Sweet v Cardona lawsuit and have been discharged. I received a letter on XX/XX/XXXX from the Department of Education. Mohela is stating they know nothing about this. I know this is not true since a copy of the letter from XX/XX/XXXX was sent to Mohela. I would like my account updated with these loans discharged per the settlement agreement. Other student loan servicers have already discharged their clients student loans.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally lodge a complaint against XXXX, a debt collection agency that has violated my consumer rights as protected under the Fair Debt Collection Practices Act ( FDCPA ). I believe that this agency has engaged in deceptive and prohibited practices by listing and attempting to collect a debt they do not legally own. Despite request for verification and validation along with proof of alleged debt via certified mail, XXXX stated they are not required to send notices through certified mail. 
XXXX has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of XXXX XXXX ( d ) and XXXX XXXX XXXX ( XXXX ) ( A ). Based on XXXX 's response to the CFPB complaint submitted on XX/XX/year> ( document attached ), XXXX is not the owner of the account and should not have sent nor listed the account to be reported to my consumer reports thus damaging my credit, adversely affecting my XXXX XXXX and causing significant undue stress by violating my rights. In my previous complaint, I revoked all rights of XXXX communicating through email/text/telephone calls. On XX/XX/year>, I received a voicemail from XXXX which is a violation of my rights.
Consumer complaint received 2024-02-22
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. (NY)

I attempted to log into Equifax 's website and submit a dispute and it ALWAYS say error and does not allow me to do it. There are no fax numbers, email attachments or other electronic methods to submit dispute info AND I am locked out. To add, I was a victim of the Equifax settlement group and I have received info I was breached because of it. I have received no check nor any compensation for this, as I submitted paper work 2 years or so ago showing proof of over a few thousand in fees, improper interest and other effects from this breach to my data.
Consumer complaint received 2023-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IL)

ONE MAIN FINANCIAL- XXXX IL Gave initial loan for {$7000.00} roughly. Through a multitude of years I have paid back over XXXX and their claim is I have paid -3 %. Out of the total balance. I would like to report this as theft and complete predatory lending. This is all after having multiple customer service and payment issues such as automatic payments, that lead to a forced refinance and increased APR.
Consumer complaint received 2024-04-29
Product: Credit reporting 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. (WI)

I am attempting to obtain a mortgage loan. The bank requested my credit scores from all three credit agencies XX/XX/2024. Only Equifax posted my scores. I assumed my freeze on the acct was to blame so I unfroze everything for approx XXXX days. ( twice actually ) During this time a credit check was made, and again even though the accts were unfrozen they did not provide any score. I have had auto loans and a long credit life however they came back with a statement about me having no credit history-that is a lie. Equifax had a score reported for me on XX/XX/2024 of XXXX, and the others are hiding my score, they want money to access my credit, and will not report my scores to authorized people I had pull my score. I have all freezes lifted permanently now. 
XXXX is blocking me from accessing the website, they say I have to call, I do and get a phone tree with no resolution. I am still unable to access my account after several calls. Again, the XXXX are not reporting my correct credit either, they claim I have none despite a long auto loan. 
I believe that XXXX and XXXX companies are extorting people for money to have their credit scores accessed. XXXX XXXX has scores up, but no one will use them.
Consumer complaint received 2024-01-23
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)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Company or Organization : Account Number : XXXX XXXX XXXX XXXX XXXX  Date fraud began : Date that I discovered it : FTC Report Number : XXXX Total fraudulent amount : {$750.00} Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$3400.00} Company or Organization : Account Number : XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$3000.00} Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$35000.00} please correct the late payment on XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX  Please repair and update.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (MI)

Hello, MOHELA is my student loan processor. In short, they have wrongfully reversed my loan discharge AND disclosed inaccurate information to XXXX XXXX without my consent leading to the denial of my mortgage just before the loan closed. 

The reversal of my loan discharge and the lack of transparency and incompetency of MOHELA has led to excessive cost, potential homelessness, and a mortgage denial. Please see below. 

In addition to the end result of MOHELA 's inability to correctly process my loan forgiveness, they just disclosed the following to XXXX XXXX without my consent and I'd like to discuss my options. 



From : XXXX, XXXX Sent : XXXX, XX/XX/2024 XXXX XXXX  To : XXXX XXXX XXXX XXXX Subject : RE : Auto Payoff XXXX XXXX I just called but was unable to reach you. 



We are running into issues with the Mohela student loans. The underwriter called them for clarification on what we discussed yesterday regarding the forbearance vs forgiveness. They did not provide/ allude to the same information that we were under the impression of yesterday. 



The Mohela agent told our underwriter that the loans are not being forgiven and are not eligible for forgiveness. She then stated that the letter stating that the forgiveness was sent in error and that there was a letter sent XX/XX/2024 stating that the forgiveness letter was sent in error and that your loans are not forgiven. ( seems very unethical and shady  ) They then told us the loan is only in forbearance until XXXX XXXX XXXX, and that there is a separate forbearance showing a date of XXXX but that is just a place holder and they told us that is there because the loans are being disputed and once that dispute is completed then the forbearance will end. 



Essentially, they are telling us, that nothing is going to be forgiven and that you dont qualify for any of the forgiveness programs yet, they told us the forbearance is until end of XXXX XXXX and then there is a forebearance due to XXXX disputing XXXX loan and that forbearance has a date of XXXX but they told us that is just until the dispute is over. 



I am really not sure what to do here. With this information, we must use .5 % XXXX % of the balance as a payment and that would push your debt to income ratio out of line. 



Please give me a call to discuss. 



Thanks, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX, MN XXXX XXXX XXXX Tel XXXX Ext. XXXX XXXX Thank you for your time and consideration. I look forward to hearing from you. 



Kind Regards, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NV)

Filed complaint last year with previous servicer : XXXX To whom it may concern, The IRS have approved the 1099C for student loan XXXX on XX/XX/XXXX. Mailed to XXXX XX/XX/XXXX. Received my copy of the Copy B For Cancellation of Debt. My account has not been corrected to XXXX XXXX as of today XX/XX/XXXX. Student loan balance was settled. XXXX Balance. 
Applied the IDR loan but XXXX has credited my student loan prior to application being assign to Mohela.

Per reporting my account as delinquent, they are violating my privacy Title 34 part 99, I never given them consent to put this infromation on my report. The Family Education Rights and Privacy Act ( FERPA ) is a Federal law enacted in 1974 that protects the privacy of student education records.
Consumer complaint received 2024-04-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NC)

XX/XX/XXXX - I contacted One Main Financial to settle my debit, in the hopes of raising my credit score. I needed to refinance my home and take cash out adhere to my divorce settlement agreement. I negotiated a settlement amount of {$4500.00} and set up monthly payments for XXXX, XXXX, and XXXX ; I promised to pay the balance in XXXX. 

XXXX, XXXX, XXXX XXXX I made monthly payments, including an extra payment in XXXX. During this time I made numerous calls to OneMain ( check their logs as proof ). It was difficult reaching them, and they initially sent my settlement confirmation to my XXXX, XXXX XXXX, as his name was also on the loan. 

I expressed many times, I was trying to improve my credit in order to refinance, as I was facing potential legal trouble with my XXXX  if I could not honor our XXXX XXXX I expressed time was of the essence. 

XX/XX/XXXX - I checked my credit report and the information was inaccurate regarding my account. The only change was that instead of " not paid, '' it now said I had paid 30 days late ( based on my first settlement payment in XXXX ). They reported my settlement payments as late payments. 

One Main failed to disclose the settlement balance, so it appeared as if nothing was being paid down. Additionally they marked my settlement payments as late payments - something that was never disclosed to me. 

XX/XX/XXXX - I paid the remaining balance off. I asked for a statement showing my paid balance and was told they could not provide it ; that something would be mailed to me. in 30 days. So I gave my mortgage XXXX permission to call One Main in order to expedite proof that the settlement was paid and he could rerun my score. 

It's now XX/XX/XXXX and I still do not have proof from them. They said they emailed the mortgage XXXX, he has not received it. 

One Main 's business practices are deceptive and aimed to keep people with poor credit down. I want this creditor off my credit report! I've paid them back and it's not right that their unfair and deceptive business practices are helping to keep my credit score down. They are slow to respond, don't answer the phones, and take days and weeks to send letters that should be easily auto-generated. They report erroneous information to the credit bureaus, their departments work in silos, and they don't disclose their business processes.
Consumer complaint received 2024-01-23
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. (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 : DPT EDXXXX Account Name : XXXX Account Name : DPT EDXXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : DPT ED/XXXX  Account Name : XXXX Account Name : DPT EDXXXX Account Name : XXXX Account Name : DPT EDXXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : DPT EDXXXX Account Name : XXXX Account Name : DPT EDXXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or 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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-01-23
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. (MI)

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 XXXX : XXXX Account XXXX : XXXX has violated my rights. Or 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.