davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-05
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX I attempted to file a dispute online with Experian requesting the investigation and removal of the XXXX XXXX  account XXXX. The account is more than XXXX XXXX XXXX. Experian would not allow me to file a dispute stating I had already filed a dispute for this item. However, if you look at the last time this account was disputed was XX/XX/XXXX.
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IA)

I am receiving so-called invoices, supposedly originating from PayPal. These invoices state that I have purchased bitcoins. I have not purchased any such alternative or virtual currency because I view XXXX as a glorified Ponzi scheme which is nothing but a bunco grift run by a confidence men. 

The latest invoice is loaded with details that scream FRAUD. This one states PAYPAL, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; Invoice : XXXX ; XXXX {$470.00} ; Phone # XXXX All of this contained in an email to me from one XXXX XXXX XXXX through and by XXXX XXXX XXXX. Neither individual is known to me, nor do I know anyone currently residing or doing business in California.
Consumer complaint received 2024-05-08
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. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-07-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (FL)

I have a previous complaint under reference number XXXX that was closed prematurely before a resolution was obtained. 

I have since sought legal counsel and am ready to go to court against MOHELA if they can not comply with placement on a SAVE/REPAYE plan as I am supposed to be and have made several requests for lets just say a very long time. 

Yes, this is a FINAL WARNING to MOHELA that if they do not properly process, with the wealth of information I have continuously provided them, my REPAYE status ; then I will be seeing them in court. 

As detailed previously I have been waiting well over 90 days, and my initial request to be on a repaye plan is well over 1 year old. My information was never processed. Communications were never held nor provided on my status, instead they tried to bill me and even at some points threaten collections on me. 

I have several documented lines of communication that I have attempted with MOHELA that yielded no response. I am attaching in this complaint my documents they requested and my Tax return info to show proof. 

I am tired of this and I am absolutely done. Either use the info provided to grant me the XXXX plan I am eligible for or don't, I will gladly see you in court MOHELA for the abuse and XXXX XXXX that you have thrust upon me. My lawyer is ready... Are yours?
Consumer complaint received 2024-05-04
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am requesting an investigation for my consumer report because after reviewing my credit report I noticed multiple fraudulent accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681 the consumer reporting agency is required to investigate these accounts and remove anything that has not been verified by these creditors. I have never signed any contracts and I did not authorize the use of my non public information. Now I expect a fair and reasonable investigation resulting in the removal of these fraudulent accounts.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX Sent Verification letter XX/XX/XXXX Sent another verification letter XX/XX/XXXX Sent XXXX verification letter XX/XX/XXXX Sent another verification letter XXXX another verification letter XX/XX/XXXX Sent another verification letter XX/XX/XXXX I Sent a complaint to CFPB and XXXX and am resending letters to get the address removed from my credit report. I can not receive mail at the address I want the address removed and XXXX dollars for the violation
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OK)

Nelnet purchased my loan from Great Lakes. When covid hit, i opted to continue making my scheduled payments as i was not impacted by the pandemic in a negative manner that others were. However they chose to not charge me interest. When it got sold to Nelnet, i am now seeing capitalized interest from what i presume is the covid forbearance period. I feel it is deceitful and unfair to charge this when i was given no other option, especially at such high rates. I emailed nelnet when the transferred occurred, but never recieved a response that i was able to find. I am requesting the removal of the capitalized interest as i never entered into an agreement for this.
Consumer complaint received 2024-07-08
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. (WI)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$8200.00} XXXX XXXX Balance Owed : {$96000.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I acknowledge receipt of your computer-generated letter, wherein you state that you've halted the investigation of my credit reports due to your suspicion that I've engaged a third-party credit repair agency. However, I perceive this action as a mere delay tactic on your part, aimed at granting yourselves an additional 30 days to comply with my original request. Furthermore, I consider it a clear violation of the FCRA. 

I must express my profound dissatisfaction with your company 's persistent neglect in addressing the inaccuracies within my personal credit profile. Despite my repeated correspondence urging a thorough investigation and the removal of such misleading information, it appears that my concerns have been ignored. It's imperative for you to comprehend that, by law, you are obligated to promptly act upon receiving such requests. 

Your credit reporting agency has consistently furnished inaccurate and incomplete account information on my credit file. I am deeply troubled by the presence of these misrepresented accounts on my credit profile. Your agency 's failure to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information reported may render you liable under 15 U.S.C. 1692g validation of debt. Additionally, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your agency may be liable for false reporting.

Credit reporting laws mandate that bureaus report only 100
% accurate credit information. While these third-party collectors attempted to collect a debt that is not mine, they have violated 15 U.S. Code 1692k - Civil liability. I am meticulously documenting my communications with your agency and the false reporting collectors, with the intention of filing a complaint with the FTC if this non-compliance persists. Similar to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX ), the below-mentioned false creditors will be held liable for your willful non-compliance. Furthermore, as highlighted in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting. 

By law, these inaccuracies should be expunged, especially considering I possess evidence of their removal from other credit bureaus. 

17 days I have sent documents certified mail to to company and yet the items has not be removed. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements ofmy constitutional rights via federal court proceedings.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

Found multiple hard inquiries on my credit that does not belong to me and also found multi hard inquires that were never removed after 2 years. 
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 2024-05-08
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. (NV)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted..

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Status : COLLECTION Date Opened : XX/XX/XXXX Balance : {$200.00} According to Cushman v Equifax 1997 , Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account # : XXXX Account Status : COLLECTION Date XXXX Balance : {$580.00} According to Cushman v Equifax 1997, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Consumer complaint received 2024-07-08
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX # XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

I have called XXXX XXXX ( XXXX ) XXXX multiple times and get transferred to multiple departments and no one at XXXX XXXX can seem to locate this erroneous duplicate account # XXXX or send me proof, that they are showing on my credit reports. 

It is very frustrating that no one at XXXX XXXX can even locate this information for me and furthermore delete this error. Again, I only had one loan with XXXX XXXX and it was paid in full and closed. That was account # XXXX in the amount of {$17000.00} and paid in full. I have no idea where this duplicate erroneous account # XXXX originated or who opened this account without my signature or knowledge. It is obviously an error/duplicate and needs to be removed from all three credit reporting agencies.
Consumer complaint received 2024-05-05
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: Experian Information Solutions Inc. (IL)

Once again, I want to stress my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence significantly harms my credit score, particularly concerning the XXXX XXXX Account XXXX. As outlined in The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I am entitled to the names and business addresses of each individual you consulted to verify the aforementioned items. Please provide this information promptly to facilitate my follow-up. Upon the completion of your investigation and necessary corrections, I kindly request an updated credit report.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX,2017 numerous disputes were sent out to the 3 credit bureau about unauthorized inquiries on credit report. i also sent out certified mail 's to creditors no response. XXXX inquires on XXXX. XXXX inquires on Experian credit report. XXXX inquires on XXXX.
Consumer complaint received 2024-07-06
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-07
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

i tried to make a check payment of {$140.00} to JC Penney in person on XX/XX/XXXX. The clerk said the computer was having issues and my check did not process. So I paid my bill with my debit card. Got my receipt and my bank statement in XX/XX/XXXX showed payment received and processed. 
Synchrony bank said they sent me a letter in XXXX stating my payment was returned by my bank. I never received this letter and there was no notice from my bank stating they reversed my payment. When I received a statement of payment due from JC Penney in XXXX I called them and got nowhere. They told me to write to Synchrony Bank and file a dispute.I filed a dispute in XXXX and sent them all the requested documentation. Nothing was resolved and evidently my case was closed without any notice from the bank. So I got their phone number and started calling. I opened a new dispute and again sent all documentation. Again they said they would look into it. 
Their records are wrong and when you call the person you talk to usually doesn't know what they are doing. Their dispute dept. is a joke. I called again this morning and spoke to XXXX who said he was a supervisor. He was not helpful, kept insisting the payments were returned by my bank. He said he would keep the dispute open but I don't have any faith my claim is going to be resolved. Meanwhile I will continue to receive statements from JC Penney with late charges and 34.99 % interest charges, I'm not sure how much longer to hang in there
Consumer complaint received 2024-05-04
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am XXXX 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, XXXX, Experian, and XXXX.