davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

My federal student loan servicing company is Mohela, and I have been working toward Public Service Loan Forgiveness since XXXX. I have submitted the same request to CFPB, but given the lack of responsiveness and accountability to date I am reaching out to both Senators XXXX and XXXX and Representative XXXX. 

XX/XX/XXXXXXXX  is the 120th month of eligible payments on my 13 separate loan accounts, which would make them eligible for Public Service Loan Forgiveness ( PSLF ). The due date on my account is the 1st day of each new month. Following the end of COVID-era forbearance, I resumed payment under the SAVE plan with a monthly payment of {$160.00}. The XXXX payment ( due XX/XX/XXXX ) of that amount was made on XX/XX/XXXX, following receipt of the billing statement. The XXXX payment ( due XX/XX/XXXX ) was made on XX/XX/XXXX, following receipt of the billing statement. The XXXX payment of the same amount was made on XX/XX/XXXX, following receipt of the billing statement. 

The PSLF " Payment Tracker '' on my Mohela account reflects the XXXX and XXXX payments as being eligible and are reflected in my current count ( as of XX/XX/XXXXXXXX XXXX XXXX  ) of 118 eligible payments. XXXX is reflected as " ineligible '' for " Deferment or forbearance exists for this period. '' XXXX is not yet reflected in either, as the month is not yet complete although my billing date ( XX/XX/XXXX ) has passed. I submitted a PSLF form, signed by my public sector employer, on XX/XX/XXXX. Because this is after my payment due date ( XX/XX/XXXX ), I was advised by Mohela that this would be an eligible payment for XXXX and should have marked the 120th month of repayment and full eligibility for PSLF. 

I called Mohela today ( XX/XX/XXXX ) and following a 90-minute wait, was told that this forbearance was placed on my account after my XXXX billing statement had been issued and payment had been made on XX/XX/XXXX. I requested that this forbearance be removed, as it was not requested and a payment was made in response to the XX/XX/XXXX7 billing statement for the XX/XX/XXXX due date. 

I was told this was not possible, though the account never should have been placed in forbearance since a billing statement was issued and payment received for the month. I was advised that I could either wait for the XXXX status to be updated ( estimated date of XX/XX/XXXX according to the representative ), or make a payment in XXXX ( ultimately the 121st payment, beyond the requirements for PSLF eligibility ) and request yet another PSLF form be signed by my employer. I have met the requirements for PSLF forgiveness, and Mohela 's negligence and lack of responsiveness are unnecessarily delaying this federal benefit. Furthermore, there is no recourse for me as the borrower.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-01-18
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

I have been filing out the PSLF form each year that I have worked for the State. Back in XX/XX/XXXX, I submitted my PSLF form and Mohela emailed and stated that the request was denied due to insufficient information. I called Mohela and resubmitted the form, confirmed the accuracy of the form submitted. I have been working for the State since XXXX, somehow since Mohela have taken over my loan, it has been difficult to verify my employment in order to get the eligible qualifying waiver towards my loan forgiveness. Since XXXX, I have made attempts to submit my PSLF form to verify my employer and it's always something. 
Finally in XX/XX/XXXX, I called, verified with a rep the PSLF form was filled out correctly and submitted. There is an employment verification gap from XX/XX/XXXX to XXXX XXXX again remindig that I have worked for the State since XXXX. When I submitted the form, I was told this would take 45 business days minimum. Finally on XX/XX/XXXX, I received an email that my account was updated and to my surprise the XXXX through XX/XX/XXXX gap is still there. Since then I have called 7 times, each time I am told there was an error on Mohela 's part, my account would be updated and noted. On XX/XX/XXXX, I requested to speak to a supervisor to ensure my account does get update. Spent over an hour on the phone and was not able to speak to a supervisor. I was told one would could me back within a business day or same day I called. 
Today XX/XX/XXXX, not only did I not get a call back from a supervisor ; I also called to speak to a rep yet again about my account that have not been updated. I was on a hold for a hour and 30 minutes, was able to briefly speak to a rep who wanted to verify my information even though during my call I had to punch in my ssn and date of birth. After a couple of attempt from rep to verify my ssn/dob, the call was dropped to no call back.
Consumer complaint received 2024-01-22
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. (MD)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-07-11
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
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)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved inaccuracies on my credit report held by Experian. Despite my numerous attempts to resolve this issue, including sending certified letters in XXXX and XX/XX/XXXX, the errors remain uncorrected, significantly impacting my life and infringing upon my rights under the Fair Credit Reporting Act ( FCRA ). 

The erroneous information has had a significant impact on my ability to secure employment, obtain credit, purchase a home, and more. For example, I was recently denied a job offer due to the inaccuracies on my credit report. I have also been denied credit for a car loan and a mortgage, which has limited my ability to purchase a home. This has caused me significant financial hardship and stress. 

Therefore, I urge the CFPB to intervene and ensure a thorough investigation by Experian into the disputed accounts listed below XXXX XXXX XXXX | {$8800.00} | Account # XXXX XXXX XXXX  | {$10000.00} | Account # XXXX XXXX | {$2100.00} | Account # XXXX XXXX XXXX XXXX | {$1600.00} | Account # XXXX XXXX | {$11000.00} | Account # XXXXXXXX XXXX XXXXXXXX | {$4300.00} | Account # XXXXXXXX XXXX XXXX | {$4300.00} | Account # XXXX XXXX XXXX  | {$5600.00} | Account # XXXX XXXX  | {$11000.00} | Account # XXXX XXXX XXXX XXXX | {$580.00} | Account # XXXX XXXX XXXX XXXX | {$6400.00} | Account # XXXX XXXX XXXX XXXX XXXX | Lates on XXXX XXXX, XX/XX/XXXX, and XXXX and XXXX XXXX I request the CFPBs assistance in rectifying this matter promptly. Thank you for your attention to this matter.
Consumer complaint received 2024-01-18
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. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I just got my credit report and was devastated to find that I had so many errors showing on my reports. This inaccurate information being reported is very frustrating and I need this corrected immediately. I currently work XXXX jobs and need a new car, but can not get approved at an affordable rate. I can not rely on my current car for much longer and I need these inaccuracies fixed at once. This is not only affecting my ability to buy a car but has taken a significant toll on my mental health. I insist you remove any and all inaccuracies because it is a violation of my rights.
Consumer complaint received 2024-01-18
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. (IL)

These accounts and inquiries are not mine they were made without my permission, consent, inquires. 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 XXXXXXXX XX/XX/XXXX Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit report with your bureau. Upon reviewing my credit report, I have noticed that there are late payments marked on my account, and I am writing to request their immediate removal. 
I understand the importance of maintaining a positive credit history, and I take full responsibility for any oversights that may have led to these late payments. However, I kindly request your understanding and consideration in removing these late payment entries from my credit report. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX I believe that my overall credit history demonstrates responsible financial behaviour and I am committed to maintaining a positive credit profile. The presence of these late payments is impacting my credit score adversely, and I am eager to rectify this situation promptly. 
Please find attached supporting documents that provide additional context and clarification regarding the circumstances surrounding the late payments. I assure you that I am committed to ensuring timely payments moving forward. 
I kindly request that you conduct a thorough review of my credit report and take the necessary steps to remove the late payments at your earliest convenience. I understand that the accuracy of credit reports is crucial, and I trust that you will handle this matter with the utmost diligence.
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (PA)

My wife and I are forty year customers of Wells Fargo. We have a first mortgage that we originated with Wells Fargo in XX/XX/XXXX which was sold after being modified to 40 years as part of a home preservation program after I XXXX XXXX XXXX  and had my pay reduced by half ( i.e. {$30.00} per hour to {$15.00} ) 7 years ago, and a HELOC in XXXX for $ XXXX. Our first mortgage has been paid on time and our HELOC is currently reporting 60 days late to the credit reporting agencies and we are over {$5000.00} past due in payments and late fees. We have been repeatedly denied for loss mitigation as we are being advised that we make too much money. We applied to refinance our Wells Fargo debt with Wells Fargo including the mortgage that Wells Fargo sold to XXXX XXXX XXXX  and included the balance of a Wells Fargo credit card totaling approximately @ $ XXXX in order to put ourselves in a stronger financial position by bringing the HELOC current, and reducing our monthly obligations. As long standing customers, we find it difficult to believe that this company has no options for which we can qualify. We do not have {$5000.00} to bring our HELOC current, we do not qualify for loss mitigation and we are only asking that this company find a product in which we can consolidate all of our Wells Fargo debt including the sold mortgage so that we can get one affordable payment and get our credit back on track.
Consumer complaint received 2023-11-23
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. (GA)

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 XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : AT T ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

I made a payment in XXXX on time, then my account was placed on forbearance ( with no notice given to me until XXXX ) that was back dated for XX/XX/XXXX. I later received a notice that any payments made during that period would be applied to future payments, such as in XXXX. I believed this to mean that my XXXX payment was covered, so I did not pay. I have now received notice that my account is delinquent, and I have tried multiple times to reach out to Mohela to clarify the situation, but I can not get ahold of anyone to talk to.
Consumer complaint received 2024-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

The company placed me on administrative forbearance without my permission for the month of XX/XX/year>. Due to this forbearance my XX/XX/year> payment does not count towards my PSLF progress. After several calls and attempts to remove this payment from forbearance, the company refuses to do so.
Consumer complaint received 2024-01-17
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. (WI)

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. 

For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Equifax : XXXX - XX/XX/XXXX
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Acceptance Corp (FL)

In XXXX of XXXX I startes receiving alot of solicitations from people knocking at my door including a salesman selling a vac up cleaning I unfortunately took the bait and purchased him telling me if I hhave any issues I can return the vaccuum in less than a month later I attempted to because the vaccumm was not working. I tried no one called me back in regards to my issue.. I made several attempts. Now XXXX XXXX I was giving a summons for court stating these people are attempting to sue me for a faulty product that never worked that no one called me about and Im finding out its not just me several people are going thru the same thing. Faulty product was giving and this company is trying to swindle money from me to pay. Without any form of written communication before today.