davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transaction by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact, I am in fact, requesting this block on behalf of myself. On XX/XX/2024 and on XX/XX/2024 XXXX, XXXX, and Equifax were all notified by certified mail. According to FCRA my rights are in violation of 15 usc 1681c-2 consumer request to block information from alleged identity theft making the credit reporting agency civilly and criminally liable according to 15 usc 1681n and 15 usc 1681o.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received, from a third party debt collector called XXXX XXXX XXXX XXXX XXXX, COPIES OF MY PRIVATE ACCOUNT STATEMENTS. I NEVER authorized Bank of America to release my PRIVATE account information to anyone. This is in direct violation of several Federal laws and does not prove anything about anything.
Consumer complaint received 2019-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (CA)

The XXXX XXXX in XXXX XXXX claims to have sent me bills for a {$4.00} toll from XX/XX/2018. 
I just received a collection notice from Lineberger, Groggan, Blair and Sampson for {$52.00}. 
I contacted the firm to get details. I was informed by XXXX that the XXXX XXXX tollroad in XXXX XXXX claims to have sent me bills for a {$4.00} toll from XX/XX/ 2018. 
I have paid several toll bills from that time and asked how I could find out or dispute the amount. 
XXXX told me that I could only fax a request to the XXXX XXXX. However, I did not take her at her word and called XXXX XXXX instead. They immediately waived {$20.00} told me to call the debt collector back, XXXX immediately reduced the debt to {$32.00} which I paid. 
Lying to consumers who may not have access to a fax machine is an obvious attempt to increase the amounts collected.
Consumer complaint received 2024-04-24
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. (LA)

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 2023-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstCredit, Inc. (OH)

I received a letter from the First Cred deb collector of {$9000.00}. I don't understand why I have to pay this amount, I visited the XXXX XXXX two times for a XXXX XXXX XXXX XXXX XXXX, and I make a payment that day. 

Reference number : XXXX Date : XX/XX/2023 2023
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-12-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (NE)

We recieved a statement from a credit card company on XX/XX/2023 that had a {$680.00} LATE FEE on it. Was informed from someone overseas that the payment was recieved 3 days prior to the due date. Therefore no late fee should of been applied to the account. They informed me, after getting disconnect twice that we needed to pay this and they would credit our account next month. Each time I called back I requested to speak to a manager, finally did speak to him, which he informed me we would need to pay the total amount on the statement, once again this person was overseas. I told him I wanted a new statement without the LATE FEE on it. After he stated that again, I requested to speak to someone here in the United States, which he did transfer me to a lady who said she was in the United States, after explaining once again what happen, she informed me I would have to speak to someone else about this. Therefore she would transfer me. She transfered me to an automated system. I pressed the number for customer service, which took me to a payment line for a CREDIT card. There was no way to get back to the main menu. After hanging up, I called the service number on the statement was returned to the overseas service center. The guy that answered the phone said he couldn't transfer me back to the United States. After 1 1/2 Hours on the phone I'm very upset with this company and have gotten no where!!
Consumer complaint received 2024-04-24
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)

Subject : Dispute of Hard Inquiries and Fair Credit Reporting Act Concerns To Whom It May Concern, I am writing to express my concerns regarding the handling of my credit report disputes with Equifax. Since XX/XX/2024, I have been actively trying to dispute multiple hard inquiries on my credit profile that I believe are inaccurate and are negatively impacting my creditworthiness. 

Despite my repeated attempts to dispute these inquiries, I have found Equifax 's response to be unsatisfactory. It appears that they are not taking the necessary time or effort to conduct a thorough investigation into the matter. Instead, I receive updates shortly after my dispute submissions, which suggests to me that Equifax is not adequately reviewing the information I have provided. 

I believe that this practice is unfair and violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation into disputed items. By not taking the time to investigate the disputed inquiries properly, Equifax is not fulfilling its obligations under the FCRA, and I am unfairly being penalized as a result. 

I request that Equifax conducts a comprehensive review of my disputed inquiries and provides me with a detailed explanation of their findings. I also request that any inaccurate or unsubstantiated inquiries be removed from my credit report promptly. 

I appreciate your attention to this matter and look forward to your prompt resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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)

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX  XXXX XXXX Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated
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: Experian Information Solutions Inc. (NJ)

Experian is not reporting the updated balance in my XXXX account. 

I paid the entire balance ( XXXX ) of my XXXX account by XX/XX/XXXX. They have reported a decrease in my balance to all credit agencies. XXXX, XXXX, and XXXX XXXX reports have the correct statuses already. 

However, even by XX/XX/XXXX, this information was not updated in my Experian XXXX and XXXX scores. I requested Experian to update the information after confirming this with XXXX. 

I saw no change in my credit report after XXXX days. Because of this, I lost a {$3000.00} offer for my car purchase, as my credit scores were not updated on time. All XXXX and XXXX scores were up to the mark, and only Experian reports failed my credit inquiry. 

Experian shows updated information only after getting subscribed for a XXXX  XXXX month. I feel Experian is misusing public information and creating issues in the lives of people like me by not providing the right information in my credit report.
Consumer complaint received 2024-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

In the last year I have attempted and thought I was making payments on my student loan. After signing into my own personal account through Mohela and using the app. I began making payments through the app. Only to find out after my due date the system would kick my payment back in turn, charging me interest and making payments more difficult. I have been in touch with representative back in XXXXXXXX XXXX  and they resubmitted my checking info. Again, I thought I was making payments again and payments are continued to get kicked back to me three four days after my due date. I think this has been happening for sometime and I believe and my bank " XXXXXXXX XXXX '' believes I am being XXXX  for interest money. My next step is to search for a lawyer to persue the wrong doing of Mohela and how they have misrepresented their intentions over the last year in handling my student loan. I believe this has been illegal behavior on Mohela and I am unsure how much interest before I began paying they have added to my loans. This matter is serious and I hope I am taken serious. I can be contacted through my email or personal number XXXX. With all that have happen with student loans since covid 19, I am unsure if my loan information is close to accurate. Also, I signed up for loan forgiveness a year ago almost. This ruins my loan forgiveness efforts as well. I hope someone contacts me asap. 

PS. Funny, the app. I was paying through for weeks, no longer works and you can not reach anyone on the phone any longer. I have called several times. 

Thanks, XXXX XXXX
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$10000.00}, US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$45000.00}
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (GA)

I appreciate your assistance in removing some of the fraudulently obtained data from my credit report, but there is still information that has been passed along that has to be deleted or blocked. Credit Bureaus are required to delete any records listed on an ID THEFT REPORT in accordance with FCRA segment 605 of the law. I am including this report again because I proactively remembered it from a previous correspondence. My attorney is eager to hold you accountable for your obstinate rebelliousness now that they are aware of my intentions and what I intend to accomplish. 
XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$610.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 

1. XXXX XXXX XXXX account ( # XXXX )
Consumer complaint received 2024-04-26
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)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have contacted XXXX XXXX on multiple attempts for the account XXXX XXXX XXXX to remove the charge off on my credit report. They have violated 15 USC 1611. It is now a charge off which is considered a certificate of indebtness on my credit report and income can't be reported on there. Not only that, I've never gave them permission to report transaction history to third party companies nor have they asked me for permission 15 USC 6802. They also have violated the following 15 USC 6801 - Protection of nonpublic personal information. In the terms & conditions of XXXX, it specifically says that my information will not be reported to third parties in which the 3 credit bureaus are a 3rd party. This blemish on my credit report has caused grief to feeding my family as I can't apply for business loans or credit cards at all. According 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods, they were supposed to provide me a form of opt methods but I have never received anything, via mail, verbally, or email. I have attached a letter that I've sent to XXXX in XXXX. I've sent the letter multiple times with no resolution despite citing 26 CFR 1.1232-1 - Bonds and other evidences of indebtedness ; scope of section
Consumer complaint received 2023-12-21
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. (NY)

XXXX XXXX XXXX XXXX XXXX This Information is Incorrect. Please remove this inaccuracy from my report XXXX XXXX XXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NY)

My home was acquired from XXXX XXXX XXXX XXXX and paid for at closing with my signature or the contract will be resented also discharged via 1099C through IRS to Corporation yes they double dipped and then sold my information to the XXXX XXXX XXXX XXXX XXXX which happens to be fraud and commercial mischief along with others very unfair to a 100 % XXXX veteran with XXXX  young children.
Consumer complaint received 2024-04-24
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. (OK)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-04-24
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. (SC)

As I was reviewing my credit report on XX/XX/2024, I saw some disturbing and harmful information. I called Equifax and sent in writing requesting that they please remove the inaccurate information and to please provide me with the original documents showing me where they received this information. Equifax, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX  all stated that they do not give out nor share my personal information. Once I tried to resolve the issue and they weren't cooperating, I was left with no other option, except to reach out for help.

5 U.S.C 552 a ( i ) ( 1 ) 5 U.S.C.552 a ( i ) ( 2 ) 5 U.S.C.552 a ( i ) ( 3 ) FCRA
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MA)

My student loans were transferred between loan servicers from XXXX to MOHELA over a year ago. When this happened, XXXX began reporting my student both from XXXX and MOHELA, resulting in my balance showing as double. I owe over {$400000.00} and now its showing over {$800000.00} and will likely hurt my chances of buying a house in the near future. The other credit bureaus are accurately reporting my loans so this must be a problem with XXXX. 

Ive disputed this with XXXX 3 times over the past year, and each time XXXX says the dispute has been resolved without fixing it. XXXX told me they stopped reporting my balance to XXXX a year ago and theres nothing they can do. Please help. I dont know what else to do.