davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

On XX/XX/23 I had to wait 1 hour and 20 minutes on hold with MOHELA just to speak to a representative about my student loans. Those of us with federal loans do not get to choose our loan provider and my loans were transferred to one with such poor customer service. I ended up having to spend a large portion of my day just to get ahold of someone to fix a problem with my loans. I do not find this appropriate that MOHELA, who knew well in advance of the student loan repayment, didn't properly staff for these calls, despite the federal government paying them close to {$400.00} XXXX to service the loans.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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

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

I demand the late payment reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> to be removed. 

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

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


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


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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( XXXX ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (TX)

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.

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 2024-06-19
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. (TX)

I am writing to formally request the correction of an inaccurately reported late open account on my credit report. This is my attempt to address this issue, and I am becoming increasingly concerned about the lack of response and resolution. It is imperative that this error be corrected immediately to reflect my accurate credit history. Despite my previous XXXX attempts to resolve this matter, this account continues to be inaccurately reported. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct inaccurate information on my credit report. This error is affecting my credit score and overall creditworthiness, which is unjust and unwarranted. Kindly assist me to conduct a thorough investigation of this account and correct the information immediately. I request that you provide me with written confirmation of the correction within XXXX days of receiving this letter. Kindly help me correct this account for no more late payment : XXXX XXXX AUTO XXXX Balance : {$7200.00}.
Consumer complaint received 2024-06-04
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. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-06-19
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: EQUIFAX, INC. (PA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-19
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. (FL)

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.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

XXXX, XXXX, AND EQUIFAX, all have inaccuracies on my credit report. They have unmailable addresses on my report some of the places I've never stayed. They are reporting late payments on my credit report and it, reporting credit card utilization, reporting inquiries and have XXXX party debt collections on my report and they are certificates of indebtedness and considered income and you can't report income on a credit report. They've shared my information and identity without my consent.and they are furning negative items on my credit report. I have not given permission to do any of this.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My compliant is against Capital One bank, account # XXXX, date open XX/XX/XXXX, account status open. On XX/XX/XXXX. I sent a dispute letter so that Capital One bank can investigate on a 30-day late payment back on XX/XX/XXXX, which they did and decided to leave the 30-day late payment in my reports. When I contact them I was told that sending proof of my hospital stay that late payment was going to be removed from my report, I sent all the required documents to Capital one and they decided not to remove late payment. This is an unfair business practice and Capital One is not being reasonable with a client that has been loyal to them since years back. I also didnt receive any notice of late payment insertion required by California Credit Reporting Act, which it is a clear violation to the FCRA. Im attaching letter sent back on XXXX and request Capital One to reconsider removing 30-day late payment from my reports.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (CA)

Two inquiries on my credit report from XXXX XXXX XXXX XXXXXXXX that was done XX/XX/2022 and XXXX I provided the police report. Equifax removed the account but not the inquiries. I didnt even apply to them at all and not sure who applied using my credit. Im attached a police report.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (OR)

The collection agency/attorney LOCKHART, MORRIS & MONT has put a hit on my credit report stating that i owe a collection from XX/XX/2013 WHich this is illegal and i have didputed this before and came off cause of ID theft. 

The balance states {$1400.00} and they keep reporting this still after ID theft and after 6 years. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2024-06-19
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. (FL)

OVER A MONTH AGO I BEGAN TO REVIEW MY CREDIT REPORT AND I FOUND FRAUDULENT MEDICAL AND COLLECTION ACCOUNTS ALONG WITH PERSONAL INFORMATION ASSOCIATED WITH IDENTITY THEFT ON MY CREDIT REPORT. 

I CONTACTED THE BUREAUS AND REPORTED IT ONLINE AND OBTAINED A REPORT. 

I ADDED A FRAUD ALERT AND FREEZE AS WELL THE OTHER BUREAUS INVESTIGATED AND REMOVED THE ITEMS BUT EQUIFAX IS REFUSING TO PROPERLY INVESTIGATE AND REMOVE THE FRAUDULENT ACCOUNTS. 

XXXX XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I ordered my XXXX XXXX report after being alerted to do so because my personal information was included in a data breach. After receiving my XXXX XXXX report I noticed information that was inaccurate including a bankruptcy. I decided to freeze my XXXX XXXX report to prevent the misinformation to be used for fraud. I then disputed this information with the XXXX credit reporting agencies, XXXX, Experian and XXXX XXXX which included the bankruptcy. XXXX deleted the information as they could not verify it however, Experian and XXXX XXXX did not. I followed up with Experian and XXXX XXXX asking how they verified the inaccurate info associated with the bankruptcy. XXXX XXXX responded they get the info from the XXXX XXXX and Experian said they get the info from XXXX XXXX. I then contacted the Federal Courts and they sent me a letter stating they DO NOT share any information with the credit reporting agencies. I then contacted XXXX XXXX and they said they CAN NOT Share any information with Experian since my file was frozen. I then sent letters to both XXXX XXXX and Experian wanting documented proof of how they are verifying the misinformation they're reporting concerning the bankruptcy. Instead of sending me proof they sent me letters stating that they are not going to investigate or provide the information to me because I'm not authorized or they believe my request was sent by a third party who was not authorized. I have received these same letters from XXXX XXXX and Experian before when they don't want to investigate or admit they are violating my rights by reporting inaccurate information. So, they're refusing to send me documentation that shows how they are verifying the inaccurate bankruptcy on my credit report.
Consumer complaint received 2024-05-17
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. (IL)

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 2024-06-18
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: EQUIFAX, INC. (GA)

I am writing to formally complain about an unauthorized credit inquiry conducted by XXXX XXXX XXXX on XX/XX/year>, during my recent interaction with XXXX. 

Despite not providing explicit consent for a credit inquiry beyond the terms of my agreement or prequalification offer, XXXX XXXX XXXX proceeded with an inquiry. 

To address this issue, I request the following actions : Verification of Authorization : Please conduct an investigation and provide documentation demonstrating my authorization for the credit inquiry conducted on my behalf. This should include any signed agreements or consent forms related to the inquiry. 

Removal of Unauthorized Inquiry : If it is confirmed that the inquiry was unauthorized, I request the immediate removal of this inquiry from all major credit reporting agencies ( Equifax, XXXX, XXXX ). 

Enforcement of Consumer Protections : Ensure that XXXX XXXX XXXX complies with consumer protection laws regarding credit inquiries. Require them to implement robust procedures and training to prevent unauthorized credit inquiries in the future. 

Restitution : As compensation for the inconvenience caused by this unauthorized inquiry, I request consideration for restitution, such as reimbursement for any associated fees or a suitable resolution that addresses the impact on my credit profile. 

I appreciate your prompt attention to this matter and request regular updates on the progress of your investigation and resolution of this complaint. Please contact me at the above-mentioned phone number or email address if you require any further information. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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. (MN)

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.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
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. (CA)

I am writing to dispute the inaccurate, incomplete, and unverifiable information on my credit report obtained from your agency. This erroneous data is damaging my creditworthiness and financial stability. The reporting of this information appears to violate federal statutes, including the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Credit Reporting Act ( FCRA ). The issues I have identified are as follows : 1. Inaccuracy : The reported information is incorrect and does not accurately reflect my financial status. 
XXXX. Incompleteness : The report is incomplete and fails to present a full and accurate picture of my credit history. 
XXXX. Unverifiability : I believe certain information in my report can not be verified or substantiated by the credit reporting agency. 

I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to correct the inaccuracies in my credit report. Additionally, I ask that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a detailed written explanation of the findings.
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Once again Mr. Cooper has failed to review my file for a retention option, neither did they ask for any documentation when rendering their decision. Prior to a decision being made and my need for additional financial assistance at the time, I contacted XXXX XXXX XXXX  XXXX, a federal organization whose goal it is to assist homeowners impacted by the pandemic with a grant. I was approved for {$10000.00} check # XXXX. Pursuant to the guidelines for distribution of those funds, XXXX XXXX XXXX XXXXXXXX mailed the funds to Mr. Cooper directly, in turn a staff member of the mortgage company sign a release form authorizing the processing of the monies received on their end. As of now Mr. Cooper is in violation of the contract signed and dated by XXXX XXXX on XX/XX/2021. 

Just a note, I am fully employed and not asking for my payments to be lowered, just to begin making regular or modified payments.