davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OK)

Mohela has been servicing my loan and they have mishandled a very large payment that my employer sent them. I signed a contract with my employer to keep working for them for a number of years to make a large sum payment to my loan. I work for the federal government ( USDA ), and they sent a check that was never applied to my loan. I was on the phone 4-5 different times to follow up on where the money was because my employer said the check had been cashed, but never applied. The check was sent in XXXX, and I have provided the follow up asking where the money was and no responses ever to the written messages. And on the phone the provider said they were just backlogged with work. I received a message from my employer saying the funds were returned to them this XXXX. I have called the loan servicing provider 10+ times over the course of the last 2 weeks and can not get ahold of a live person to discuss why they were never applied like I was assured they would be. 
I have attached supporting screen shots reflecting correspondence on this issue. 
Thank you.
Consumer complaint received 2024-03-25
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. (FL)

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Account opened XX/XX/year> reported as balance of XXXX which is correct. Bank of America then updated XX/XX/year> with a balance of XXXX and a missed payment when no payment is due until XX/XX/year>.
Consumer complaint received 2023-08-14
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. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX 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 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear TransUnion Im very unhappy at the fact that there is inaccurate information on my credit report, and the creditor failed to submit sufficient proof to validate the inaccurate account. This is my third letter to your company. I know the XXXX allows me to dispute directly with the creditor after disputing with you. You told me that you verified the account with the creditor but they could not provide me with sufficient proof to back up their reporting. How can you verify if the creditor could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 

Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. 

XXXX : Account number : XXXX, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXX XXXX : Account number : XXXX, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX : Account number : N/A, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, The account type detail has another name. Date last active should be the same, fix or delete. 

I hope we can resolve this issue without complaints to the Consumer Financial Protection Bureau and other agencies. 

Looking for your help. 

CC : FTC, Attorney Generals Office.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-25
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
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)

I am 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.
Consumer complaint received 2023-12-07
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-13
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. (MO)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (OR)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
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: Experian Information Solutions Inc. (CA)

I do not recognize these inquiries on my credit reports and the CRAs will not remove. I'm providing an Identity Theft report, as I have found out I have been a victim of identity theft. I'm requesting they be removed from my report as they are inaccurate and not mine. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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. (IL)

on XX/XX/XXXX i sent a dispute in regards to fraud that occurred on my consumer report to Transunion. It has been over 30 days and i have not receieved any information about these inquiries that should be removed.
Consumer complaint received 2023-12-07
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-11-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc (FL)

I was put on a repayment plan with this collection agency. The payment plan was put in place so I could make small payments and help reduce my debt. The payment was due on XXXX XXXX. I did not have the funds in my bank account at the time but got paid today on XX/XX/XXXX. When I called to make my payment I was told my account was passed over to the legal department. I was not given any notice via letter, email or call regarding the matter. They stated that they called but i did not have any voicemails. They usually leave me one. I successfully made a payment on XX/XX/2018 of XXXX to show that I am willing and able to continue the payment agreement.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To Whom It May Concern : To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

A XXXX XXXX account was listed as " charged off XX/XX/XXXX '' and has remained in that status until recently when the status was changed to " charged off XX/XX/XXXX ''. The change in " charge off '' date caused my score to drop more than XXXX points. Due to the age of the account and the last payment, the account should be removed from all bureaus.
Consumer complaint received 2024-03-25
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. (MI)

Issue : ** Despite clear evidence of violations provided, Experian has chosen not to remove the debt, even though there have been no changes to report. **Experian Violations : ** XXXX. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** Experian failed to conduct a reasonable reinvestigation within the mandated timeframe, as evidenced by inadequate documentation from XXXX XXXX XXXX XXXX This violates FCRA XXXX XXXX ( a ) ( XXXX ) ( A ) and the corresponding XXXX XXXX XXXXtandard, XXXX XXXX. XXXX. XXXX*Delay in Responding ( Code : XXXX ) : ** Experian did not respond within a reasonable period despite my letter dated XX/XX/2024, violating FCRA Section 611 ( a ) ( XXXX ) ( A ) and the Metro 2 standard, Field XXXX. XXXX XXXX XXXX Violations : ** XXXX. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** XXXX XXXX XXXX XXXX documentation inadequately ties the debt to me, violating FCRA XXXX XXXX XXXX a ) ( XXXX ) ( B ) and Metro 2 standard XXXX Field XXXX. XXXX. **Neglecting to Address Dispute ( Code : XXXX ) : ** Medical Merchants Credit failed to promptly investigate and address my dispute, breaching FCRA XXXX XXXX ( a ) ( XXXX ) and the corresponding Metro 2 standard XXXX XXXX. **Shifting Burden of Proof to Consumer ( Code : XXXX ) : ** XXXX XXXX XXXX inappropriately shifted the burden of proof to me, violating FCRA XXXX XXXX XXXX a ) ( XXXX ) and its Metro 2 counterpart XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.