davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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. (NC)

Experian report # XXXX is reporting the following 24 addresses fraudulent. 
XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX
Consumer complaint received 2023-10-21
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. (OH)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX {$12.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} ; XXXX XXXX XXXX XXXX  : {$0.00}.
Consumer complaint received 2023-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I have two federal student loans administered by MOHELA. The calculation for my second loan grossly miscalculated by MOHELA and they charged me far too much for the most recent auto-draft of the student federal loans now that the loan payments resumed. Loan # XXXX is for a principal balance of {$21000.00} at 4.05 % for 10 years ( 120 months ), though for some reason they have it posted in my loan details as 115 months. {$21000.00} at 4.05 % for 115 months should be a monthly payment of {$220.00}, though they are charging me {$220.00}, which is pretty close. Loan # XXXX is for a principal balance of {$16000.00} at 5.05 % for 10 years ( 120 months ), though for some reason they have it posted in my loan details as 119 months. {$16000.00} at 5.05 % for 119 months should be a monthly payment of {$170.00}, though they are charging me {$320.00}!!! This is grossly miscalculated. I called MOHELA on XX/XX/2023 to draw attention to the fact that they grossly miscalculated my monthly payment for XXXX # XXXX. They phone associates did not understand that the calculation was incorrect and were asking me to look at other loan repayment options, but I explained the calculation was incorrect based on the principal balance, interest rate, and loan term. I asked to speak to a manager, who admitted the loan calculation was incorrect but could not explain why. He said that he recalculated it and the new monthly payment for both loans would be for a combined {$410.00} ( this is still not quite correct, but much closer ). Even though the manager said he would fix the issue I was still charged {$540.00} for the most recent loan payment in XX/XX/2023.
Consumer complaint received 2023-10-21
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. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$48000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX. XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

My Student loans were dischargeable in bankruptcy in XXXX  only because of undue hardship. please see attachment. 

DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Balance {$160000.00} XXXX XXXX XXXX XXXX {$150000.00}
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Student loans were dischargeable in bankruptcy in 2015 only because of undue hardship. please see attachment. 

DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Balance {$160000.00} XXXX XXXX XXXX XXXX {$150000.00}
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding the numerous attempts I have made to have late open accounts to correct them from my credit report. Despite my persistent efforts to rectify this issue, these late open accounts continue to negatively impact my credit profile. 

I have attach my supporting documents, such as copies of dispute letters, responses from the creditors, as well as my DL, SSN, and POA. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open accounts remain on my credit report, impairing my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A thorough and immediate investigation into the late open accounts in question, including verification of the accuracy of the information with the creditors. 

If the accounts are found to be erroneous, the immediate correction of the late open accounts from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit report once the issue has been resolved. 

A detailed explanation of the actions taken during the investigation and the outcome. 

I urge you to address this complaint as a matter of urgency. Timely resolution of such issues is critical for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your assistance to correct the late open accounts : XX/XX/XXXX XXXX Balance : {$3000.00} ;XX/XX/XXXXXXXX Balance : {$12000.00}.
Consumer complaint received 2023-08-24
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)

My name is XXXX 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.
Consumer complaint received 2016-11-28
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (CA)

I tried to pay my bill with Chase online and then on the phone. And they informed me that they only accept payment from a checking account routing number. I have not used checks in over 3 years and pay all my bills online with XXXX or by debit card. When I told them that they just kept repeating that they required a routing number. I 'm going back in time just to please their antiquated payment method. They must be the only company out there that does n't accept XXXX or debit cards. Can they do that?
Consumer complaint received 2022-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

The following address are not associated with me, and are incorrect. Please update your record immediately. 

XXXX XXXX XXXX, XXXX XXXX, Indiana, XXXX XXXX XXXX XXXX, XXXX XXXX, Indiana, XXXX
Consumer complaint received 2023-08-21
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. (FL)

In accordance with the fair Credit reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus States my account properly investigated but XXXX is that possible is there The past due balance that the creditor is reporting is incorrect the creditor reported I owed XXXX When I do a breakdown of my Explanation of Calculation of Surplus or Deficiency which I requested from the creditor is a breakdown of what I owe after the car was sold in auction on XX/XX/2022 Which left me a Balance of XXXX The creditor is reported to the credit bureaus this is a violation of my rights and I would like this to be investigated as of XX/XX/2022 its still showing on my credit report on all three bureaus that I owe XXXX this is incorrect when the car was sold to a third-party Also The address listed XXXX XXXX XXXX XXXX Fl XXXX is listed on my XXXX Report as the address linked to this account number XXXX XXXX Account number XXXX when I do a thorough investigation on my three credit report I see that this account is not linked to any address on my XXXX XXXX XXXX account number XXXX But when I look through transunion XXXX XXXX XXXX XXXX Fl XXXX is linked to this address which mean everything on or three credit bureaus is not accurate I would like you to do an investigation on all three bureaus on the address link into the account number XXXX and to make sure that all addresses are matched and linked to this account accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. 2 : it States A customer reporting agency can not furnish A account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation in the night give me a tracking number which is in direct violation
Consumer complaint received 2023-01-18
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

{$430.00}, Portfolio Recovery, I have talked to representatives multiple times about a debt Portfolio Recovery states I owe and told them numerous times that I do not remember ever applying for a XXXX XXXX card and that my ex wife in the past had applied for credit cards in my name and used my ss #. We are now divorced and I recently pulled my credit report to find this negative tradeline on my credit report by surprise. I have asked for proof of this debt a number of times from Portfolio Recovery and have never received any documentation in the mail. This has been going on for months and months now. I have written disputes to Portfolio Recovery and also to XXXX, XXXX, and XXXX to ask for this tradeline to be removed since this debt does not belong to me.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

These Accounts have violated my rights According to FCRA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report. 
15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status. 
Everything reported here does not meet the FRCA. 
Also, in accordance with the Fair Credit Reporting Act. These Accounts has violated my rights. 
15 U S.C 168Q 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. 
I HAVE NOT INSTRUCTED ( XXXX, EQUIFAX, OR XXXX ) TO FURNISH ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (TX)

XXXX Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX Charge accounts should not have any payment history due to them being late by default. 

XXXX XXXXXXXX This is another charged off account that should not have any payment history because charge accounts are late by default. 


XXXX Can I get verification of these late payments. 

.. I want this late payments updated to pays as agrees. 

I
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

Disputing Personal Information, Collections, Inquiries ( See Attachments ) Inaccurate Personal Information ( Name, Address, Employment, Social ) Collections ( see attached ) XXXX XXXX  XXXX XXXX XXXX XXXX FDCPA & FCRA Violations ) Requesting ( Validation, Verification, Proof Validation Letter Sent, Address on file for consumer ) ( All Documentation in Cease and Desist Letters ) Attached Hard Inquiries ( no authorization ) Permissable Purposes
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (VA)

I'm unable to check my finances on my banking app. The problem is the banks online banking staff won't allow me to have my password reset information sent to my current phone, but always notifies me that I can only get this information through a phone I no longer use. This online banking app is the only way I can keep up with transactions and keep up with where current finances are. For the last 3 years customer service has taken my new phone information and advised me that 3-5 days the issue will be fixed and it never does. I've called customer service numerous times to deal with the issue. At times the customer service will hang up the phone mid call. Last time I called and told them I'm trying to have the 'password reset ' information sent to my new phone they told me the same thing they did the last 3 years. I told her my concerns that she's telling me the same thing the last string of customer service reps told me. She let me know the higher departments of the bank make discretionary decisions on these kind of matters. 5 years ago I tried to get my money out of the bank and tried to get it transfered to a local credit union. They stalled and for an unknown reason the transfer never happened. How am I able to get to the bottom of this issue. The bank I'm with is called XXXX XXXX XXXX. U.S. Bank XXXX XXXX is a XXXX or XXXX, reloadable prepaid pay card program that provides an alternative to paper checks etc
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a dispute with XXXX credit report dispute. they had XXXX account updated to a further date. Now with your help they deleted the account. 
I had the same problem with XXXX and Transunion credit reports. 
i have attached the following dispute and i still have not fix the problem.
Consumer complaint received 2023-04-03
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2024-03-14
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. (NY)

These inquires are not authorized or related tk any transaction by me : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the law 15 U.S 1681b these need to be removed.
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX  XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-04-16
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. (MI)

On XX/XX/2023 I sent disputes to all three major credit bureaus due to unauthorized or fraudulent inquiries on my credit reports. The bureaus did not remove the inquiries at all.