davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

In sum : Mohela account marked " past due '' before the 2-3 business days passed for payment clearance confirmation. 

I enrolled for auto debit for my federal consolidation loan managed by Mohela. I received confirmation stating my first payment may have to be done manually. On Mohela 's website it stated that payments processed in 2-3 business days. 

My payment was due XX/XX/23. I checked XX/XX/23, 1-2 business days later, just to be safe. My account said it was past due. I paid it immediately. 

There was no way for me to verify if my auto debit payment completed before my account became past due.

How am I expected to verify if the auto debit was successful after 2-3 business days after due date if I am marked " past due '' immediately? 

I see many other consumers are having the same problem. I attempted to call and the office was closed. I filed an online complaint with Mohela. With some forum searching I see many users are facing call holds of 3+ hours.

Please address this ASAP. I do not want my loans serviced by Mohela. Their practices are completely unacceptable.
Consumer complaint received 2023-10-22
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. (MO)

According to the consumer law, you are in violation. Code 15 usc 1692j states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 12 U.S. Code 582 - Receipt of United States or bank notes as collateral. No national banking association shall hereafter offer or receive United States notes or national-bank notes as security or as collateral security for any loan of money, or for a consideration agree to withhold the same from use, or offer or receive the custody or promise of custody of such notes as security, or as collateral security, or consideration for any loan of money. Any association offending against the provisions of this section shall be deemed guilty of a misdemeanor and shall be fined not more than {$1000.00} and a further sum equal to one-third of the money so loaned. The officer or officers of any association who shall make any such loan shall be liable for a further sum equal to one-quarter of the money loaned ; and any fine or penalty incurred by a violation of this section shall be recoverable for the benefit of the party bringing such suit.
Consumer complaint received 2024-03-15
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (LA)

In accordance with the fair credit reporting act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 -XXXX  XXXX XXXX  acct # XXXX -XXXX XXXX acct XXXX XXXX -XXXX  acct # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX acct XXXX XXXX & acct # XXXX 15 U.S.C 1681 section 602A states I have a right to privacy.

15 U.S.C 1681 section 604A section ( 2 ) also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-22
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. (LA)

In accordance with the Fair Credit Reporting Act. The list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XX/XX/XXXX 

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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-22
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. (LA)

In accordance with the Fair Credit Reporting Act. The list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX 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 

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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-22
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: Experian Information Solutions Inc. (FL)

XXXX has a lot of inaccurate and negative information on my report. When I tried to go online to obtain and dispute these information, I am getting to call and request a copy in the mail. I called XXXX and they can't give a reasoning I was told I had to wait for my credit report to be mailed to me within 4-5 business days. I think that is ridiculous.
Consumer complaint received 2023-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023 I legally requested ( via certified mail ) for this creditors to verify that this account is 100 % accurate as i have proof that there are several inaccuracies. The credit bureau ( Transunion ) will remove these items and they have " NOT '' been verified as 100 % accurate as i have requested now several times and i will pay immediately. There have been repeated noted inaccuracies and the bureau ( Transunion ) continues to disregard my investigation request within a legal allowable timeframe ( 30 days ) or remove these items. This Bureau ( Transunion ) have repeatedly violated my legal rights by ignoring my requests to remove these accounts. I am willing to contact my attorney at this point as i am not getting any resolutions through CFPB, the Bureaus or the creditors directly. Below is a list for the following inaccurate accounts that are being disputed : Transunion 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  SD XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-14
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. (NJ)

I was looking at my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor did not notify me 21 days before with a statement, so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. The items below should all be updated to PAANL ( paid as agreed never late ) in my consumer report. XXXX XXXX XXXX Late payments incorrectly reported between XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As a consumer, by law the account in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Please update my credit report to PAANL ( Paid as agreed never late ).
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I had a mortgage with XXXX atXX/XX/XXXXXXXX, Ohio XXXX and filed aXX/XX/XXXXbankruptcy they are reporting that my account was 90 days late but that was due to bankruptcy under their protection when setting up the payment plan thru court and was not truly late and it is hurting my credit. I should not be punished when I was under court protection and they are the ones that took so long to distribute the payments. I paid on time myself. Please remove these inappropriate reported late payments
Consumer complaint received 2018-05-12
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: Experian Information Solutions Inc. (NJ)

DISPUTED A BANKRUPCTY WITH EXPERIAN ON XX/XX/XXXX THEY SAID THE RECEIVED MY LETTER DISPUTING MY CLAIM BUT DID NOT RECEIVED MY PROOF OF DOCUMENTS STATING THE THE BANKRUPCTY COURTS TO NOT REPORT TO THE CREDIT AGENCIES AS CONVERSATION WITH A LADY NAME XXXX SO I SENT THE LETTER AGAIN ONXX/XX/XXXX AND EXPERIAN GOT MY LETTER MT SECOND LETTER ON XX/XX/XXXX THAT THE COURTS DO NOT REPORT INFORMATION TO THE CREDIT AGENCIES SO AS IN THE THE FAIR CREDIT ACT THAT THIS HAS TO VERIFIED THREW THE COURTS AND IN THAT CASE THE NO ONE FROM THE COURTS WILL RELEASE THAT INFORMATION TO CREDIT REPORTING AGENCIES THIS IS A THIRD PART WHERE THEY GETTING THIS INFORMATION .ATTACHED ARE MY PROOF FROM THE BANKRUPCTY COURTS SIGNED BT THE COURT CLERK STATING THAT DO NOT REPORT TO CREDIT AGENCIES PERIOD
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/ I contacted Bank of America to let them know that I was having an issue with a continuous pop up about a gift card that I redeemed for {$3.00}. I never redeemed it as a gift card but rather as a statement credit and even though they applied it as such it is still popping up as a gift card and no matter how many times I try to hide the pop up I am unable to do so. I did speak to a representative earlier, although it took me quite some time to reach someone, she said she was sending me an email to let me know how to edit my notifications but I have been unable to do so. This is unacceptable and I want to get rid of this pop-up card which is quite annoying.
Consumer complaint received 2023-10-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I called XXXX XXXX durning Covid and the company stated I wasnt to worry that I would be covered until the worst day came and I had a wreck. I called them and they did not help me. It left me with a total lose and now I owe the loan company and the person whos car I hit
Consumer complaint received 2023-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

After reviewing my credit file on XX/XX/, I identified a discrepancy with account listed under Lanier Collection Agency and Services , Inc. I requested validation on XXXX  as this was not an account that I recognized. On XXXX they responded with a copy of the debt that I don't recognize without any validation. I reviewed my credit file again on XXXX  and this account continues to reflect on my credit report. On XX/XX/, I sent out a 2nd validation request letter. I have not received any response and as of today XX/XX/, this account is still being reflected on my credit report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2023-10-22
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (PA)

I had a former roommate steal my Direct Express card, call the # on the back and change my pin #, and charge XXXX XXXX XXXX of purchases then take out XXXX at the atm. Direct Express verified this themselves as they showed it was her cell # that called to change the pin and not mine. In fact it was their fraud dept that contacted me about it then sent me a statement to issue the dispute. I also filed charged with yhe police. I filled out all paperwork plus provided Direct Express with the police report but I got back the same standard letter everyone else has gotten saying my claim is denied because I authorized the charges - even though it was them that caught it in the first place!
Consumer complaint received 2023-09-06
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)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge 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: NAVY FEDERAL CREDIT UNION (NC)

I filed a claim on XX/XX/XXXX regarding multiple charges made on my Card. Navy federal then sent me a new card and refunded the charges back to me. However on XXXX just 3 days letter I get a letter stating the charges will be debited back due to them finding that no billing error occurred which is far from the truth. I have never done any business with any of these merchants in the past and if navy federal would of actually did their due diligence on this claim they would clearly see that. Furthermore I'm curious as to how it only took 3 days for them to come up with the determination doesn't seem like they investigated at all to me and I am not paying for charges that I DID NOT make. I have asked navy federal to provide proof on how they came up with their conclusion and they have refused to. Now I am being held Reliable for {$200.00} of charges I never made. I also filed a complaint back in XXXX with the XX/XX/XXXXagainst this company for the same charges and they never even responded to the complaint at all!
Consumer complaint received 2023-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (OR)

I requested they correct the escrow analysis to reflect the correct taxes due. They have completed the escrow analysis and my account still shows the higher taxes due for the XX/XX/23 and XX/XX/23 payments due. I have paid a mortgage payment of {$1400.00} on XX/XX/23 and they sent me a letter stating that they can not apply the payment and that its in suspense until I pay the complete amount that they are charging me. My mortgage will be transferred to chase bank on XX/XX/23 and is currently being handled by XXXX XXXX XXXX XXXX that have told me they have taken care of the situation but the mortgage statements dont reflect the corrections to my account. Also, I live on a XXXX XXXX  property and lot # XXXX is tax exempt as you can see in the tax statement I attached. The bank is charging me {$3100.00} taxes on this property which is why the mortgage payment on XXXX and XXXX is increased and not correct.
Consumer complaint received 2023-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have recently been dealing with a company that collects for LVNV. This process has gone on for months. I have sent letters and letters for validation. After meeting with the plaintiffs attorney we set a court appearance For the trial The trial was set for XX/XX/XXXXat XX/XX/XXXX. The plaintiffs attorney said they had mailed out for a change in the date I never received in mail the notice of change of date. The new date was set for the XXXX of XX/XX/. On that date the clerk of the court called and said we missed the date. At that point we told her we were ready for the XXXX of XXXX. I immediately sent a letter to the judge with no response. The amount due on the claim was {$1400.00}. While this claim was being validated they continued to try and collect. The next time they send a notice to pay the amount went up to {$150000.00}. I could not get an answer to why. 
Since we did not show on the new date a judgement was ordered. I firmly believe this action violated my XXXX amendment for due cause. I should have been given the right to defend myself. I recently wrote to the judge referring my XXXX amendment rights were violated. I have requested that the judgement be reversed. So now I am sending an affidavit to the court and a letter explaining the circumstance. While this is going on I receive a letter from Resurgent that they can't validate my claim. So now I have a judgement for something I don't owe. 
Resurgent, LVNV and the plaintiffs attorney are discussing and probably knew that all along. They most likely did not present it to the judge
Consumer complaint received 2023-07-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2018-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have disputed account listed below that does not belong to me and XXXX, XXXX and TransUnion XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX., opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, reporting XXXX XXXX  XXXX XXXX., opened XX/XX/XXXX XXXX XXXX, opened XX/XX/XXXX
Consumer complaint received 2024-03-14
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. (FL)

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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 XXXX 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 2023-10-22
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. (CA)

There is an account appearing on my credit report under XXXX XXXX with a current balance of XXXX. This account is not mine and is appearing on my Credit Reports. 

I contacted XXXX at the address listed and provided a copy of the credit report as requested. By letter dated XX/XX/XXXX, I was informed they had concluded their investigation into my issue and was advised the account data would be removed. 

It has not been removed from my credit report as of yet. I would greatly appreciate any assistance in getting this erroneous acct information removed from my credit report.