davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

The credit reporting agencies keep violating my rights as a consumer. They havent made or investigated any changes, and it's been over 90 days. The accounts that I'm complaining about are reporting on my consumer report incorrectly and need to be removed. Every negatively alleged account is reporting inaccurately and erroneously, which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting Incorrectly. Please have them conduct a full and complete investigation on my credit report. Please don't just have them do it by e-oscar. My life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Moreover, they didn't follow the proper 5-step validation procedure, which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. 

They are also suppose to send me investigation letters which i have not received about disputes.
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Mohela transitioned me to their new platform on XX/XX/2024. I received notification via the mail that the new platform was available. I was able to log into the new platform and confirm. 
On XX/XX/2024 I made a conglomerate payment of {$650.00} that was divided between my subsidized and my unsubsidized student loans through the new student portal. 
On XX/XX/2024 the funds from this payment of {$650.00} were drawn from my bank account. 
The payment had not posted by XXXX XX/XX/2024, so I called and was instructed to continue waiting. I called twice a week until XXXX XX/XX/2024 where an 'investigation ' was opened to 'find ' the funds that were withdrawn from my account. My situation was escalated to a 'supervisor '. I called two to three times a week in hopes of an update, as the payment still had not posted to my account. Each call I was met with different waiting times, each longer than the last. 
On XX/XX/2024 another 'investigation ' was opened to 'search ' for the funds. I was once again escalated to a supervisor, who did not help. 
I have called time and time again to absolutely no avail and to no update. The funds are still not posted to my account, thus resulting in the accrual of undue interest. 
At the beginning of XXXX, I logged into Mohela on their new platform and submitted my bank statements. When I called to ensure that my statements were received, I was informed that the customer service representatives could not access them. So I submitted them again, while on the phone, to no avail. I was told to continue waiting, up to 68 BUSINESS days for a resolution. This is unfathomable.
Consumer complaint received 2023-12-18
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. (HI)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL XXXX COMMISSION or https : XXXXftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed XXXX ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission.Inaccurate Addresses : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-04-11
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. (MD)

I am writing concerning inaccurate negative reporting on my credit reports from XXXX XXXX. As of, XX/XX/XXXX, my Transunion and XXXX reports reflected that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the XXXX APP to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with XXXX XXXX. I have email confirmations of my payment schedule and payoff dates from XXXX XXXX  to confirm. I have attempted to dispute this inaccurate infomation with XXXX and Transunion, and I have contacted XXXX XXXX via email to resolve this issue. XXXX XXXX refuses to remove the inaccurate reporting from my credit reports. As of XX/XX/XXXX, XXXX has updated my credit report to reflect the correct infomation, ( account paid satisfactory ), as a result of my dispute. I was never late on this loan, and my XXXX report now reflects this. Transunion needs to hold XXXX accountable for not honoring their agreement to reschedule my payments just as XXXX held them accountable.
Consumer complaint received 2024-04-19
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. (IA)

I called the company back. I spoke with a guy the second time. I told him that the young lady filled in all of my information for me over the phone. Now, I a n't log into my account. I don't exist. So, we put my information again. This time On my computer. He checked his end and everything was okay. But once I put my information in. It said the same thing. I didn't exist. He just said he was sorry and will look into it. So, I cancelled my account. I looked at Equifax reviews. They have a lot of complaints about this. People are not able to getinto their accounts. But they are charged.
Consumer complaint received 2024-04-23
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)

After a review of my latest XXXX, Equifax and XXXX credit reports, I noticed that the following inquiries were submitted to my credit report without my permission : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax Mortgage Service XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

On XX/XX/23 I received my refund to my chime account... I went to use my card once and came back home to being logged out of my account I had an email from chime support telling me my account has been frozen and I needed to send in info confirming the deposits and myself. That afternoon I sent on the information as for by evening time my account has been closed right before closing the next moringi reached out through phone SD they verified over the phone that all the correct documentation had been submitted and they could see it I was given and id number and put through escalation I waited 24 hours and in that time frame I received several emails with the same link to upload the same documents that were already provided. I reached out again on XX/XX/23 for them to tell me my escalations a team member put in was canceled because it was not done correctly, which I has never been notified of. The team member put in another one and I was transferred to a supervisor where I was told my funds were still in my account and I just needed to send in the documentation that I had already sent in to reopen it... On XX/XX/23 I was given the runaround the whole entire day after calling three times I sent out an email and on XX/XX/23 I received another email asking for more documentation.. I responded to the email and reached out to the source whole told me to login to my account where the funds came from to verify and give them the documentation needed..as of XX/XX/23 my account is still closed and I haven't received an email back. Also it states you will be responded to within 4 hours and I wasn't receiving responses on even 24 hours I have to keep calling and still I am not provided any information. I read after 3 days the funds should be sent back to the sender.
Consumer complaint received 2024-04-19
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. (TX)

I've recently checked my credit report and noticed some inaccurate credit accounts reporting. 


Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Date Assigned : XX/XX/XXXX Amount : {$300.00} Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Date Assigned : XX/XX/XXXX Amount : {$250.00} I do not have contracts with these companies, and I don't owe the debt. Please verify that my personal information is accurate when verifying this debt. I've noticed these companies falsely reporting inaccurate information regarding my social security number. My social security number listed on my credit report is completely different from my own.
Consumer complaint received 2023-12-20
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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: AAA Auto Title Loans, LLC (NV)

Cash1 loans took out a double payment making my checking account negative and they refused to correct it or refund me. Was told that only one payment would be processed and they proceeded to charge me twice and have little to no help from them.
Consumer complaint received 2024-04-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (IN)

The account westlake financial XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and The Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 U.S.C. 1692c ) law Clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication in they continuously keep trying to contact me and reporting to all credit bureaus XXXX XXXX XXXX and XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (OR)

My student loans were forgiven in XXXX ( per a letter to me from Mohela ), but the balance and updated status has NOT been reported to XXXX. I have disputed the incorrect balance three times, and contacted Mohela asking them to send XXXX the correct information. Mohela is incorrectly reporting the balance to XXXX.
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (CA)

Hi, Since the return of student loan payments, I have made several attempts to temporarily delay payments by means of general forbearance. Ive spoken to Mohela ( my servicer ) reps twice, who gave me conflicting information. 

The other XXXX attempts I made were denied with the following reasons for each : - request date too far into future ( which isnt true because I have over two years of forbearance left on my account, verified by Mohela employees ) - digital signature not accepted - wrong document uploaded, even though it wasnt I am simply trying to delay my payments for one calendar year so that I may get my finances in order so I can pay my loans, which I proudly accept as my responsibility. Mohela, on countless occasions, has given me the run around and has denied my attempts by moving the goal post for what is needed for a seemingly simple request. I am happy to speak to whoever can assist so I can get this moving forward. Thank you.
Consumer complaint received 2024-04-19
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. (KY)

The Consumer Financial Protection Bureau ( CFPB ) is a government agency tasked with protecting consumers in the financial marketplace. If your credit report indicates inaccurate addresses and accounts upon review, it's important to notify the CFPB promptly. Inaccurate information can affect your credit score and ability to obtain credit, loans, or even employment. By contacting the CFPB, you're taking proactive steps to correct any errors and safeguard your financial reputation. They can investigate the discrepancies and work with credit reporting agencies to rectify the inaccuracies, ensuring your credit report reflects correct and up-to-date information.
Consumer complaint received 2023-12-18
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. (MA)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I am filing this joint dispute and demand for investigation regarding the unlawful actions of credit reporting agencies Experian and XXXX. 
For over at least 1 month I have disputed fraudulent and unverified accounts reported through both bureaus. Despite legitimate requests for documentation and verification under the FRCA, neither agency upheld their legal obligations to properly handle multiple disputes. 
Experian and XXXX merely stated the debts were 'verified ' yet failed to ever provide a single original document proving these accounts belong to me or that I owe the reported balances. 
I am requesting the CFPB open an immediate investigation into Experian and XXXX for their blatant and ongoing disregard of my consumer rights.
Consumer complaint received 2023-12-18
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. (IL)

Experian has not given me an updated credit report and score for XXXX XXXX. Also, I paid for a subscription, and they still did not update my account or show me the current report and score. 

I called them XXXX times and was on the phone with a rep for XXXX XXXX each time, they were not able to update my account saying it's a glitch. even on my other apps the credit report comes back over XXXX XXXX XXXX 

I have been turned down magnitude off times because Experian has not been able to show a credit report or score for me in over XXXX XXXX  please update my report and score and fix my Experian account please.
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I need these periods covered and I have reached out to Mohela multiple times about them and they told me they were looking into it : Verified employment gaps include XXXX XXXX verified arc XXXX XXXX XXXX XXXX  ; they responded to another complaint on this XXXX XXXX XXXXXXXX= verified XXXX
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

My loans are with Mohela. Just recently Ive opted to go into repayment. The first payment amount was XXXX and some odd dollars which was unaffordable. The next payment amount was XXXX and some odd dollars which was also unaffordable. I signed up for the XXXX program and was told my payment would be {$210.00} monthly. I was also informed that once I make my first payment that my account would be adjusted and recalculated to reflect being current. I made the first payment on XXXX and the XXXX is still reflecting on my account causing my account to be delinquent. Ive spoken called messaged mohela several times about this and Im being told it will be fixed or Im being offered forbearance. Im four payments away from the bulk of my loans being forgiven so forbearance is not an option. Mohela is purposefully making this difficult to resolve making people to believe theyre really doing this on purpose. I just want my account brought current so that it doesnt go into collections. Please help.
Consumer complaint received 2023-04-26
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)

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-07-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

As per guidance from the Consumer Financial Protection Bureau ( CFPB ). I have attached the documents needed and a victim determination letter from an approved government group helping me due to XXXX XXXX debt bondage, which falls under XXXX. As defined by XXXX- debt final rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I request that you block this information from my credit report within ( 4 ) business days pursuant to section 605B of the Fair Credit Reporting Act. I am a victim of human XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted by Equifax delete all of the accounts listed on this FTC and the accompanying letter stating I am a verified victim of XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )