davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX :
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-23
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. (FL)

In accordance with the Fair Credit Report Act 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I submitted an application to studentaid.gov for the SAVE ( IDR ) repayment plan on XX/XX/2023. It was sent to my student loan processor MOHELA. However, ever since it was received it has been under " processing '' phase. MOHELA put my loans under administrative forbearance on XX/XX/XXXX to end on XX/XX/XXXX. I continued to wait until XX/XX/XXXX when I contacted them via their message platform regarding my application still processing. It is XX/XX/XXXX and I have not heard back from them nor has my application been processed. I received a notice that the forbearance ends XX/XX/XXXX and I will have to start repaying my loans without the SAVE repayment plan in place. My first payment is due XX/XX/XXXX a few days before XXXX. This is ridiculous.
Consumer complaint received 2023-11-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC (FL)

In XXXX of 2022 I took a {$44000.00} loan for solar panels to be installed first the sales people took the phones in put information and electronic signature since my wife and I did not have knowledge on how to so instead of showing us they took both phones and signed the contract second they never took out a permit to do the solar panels they were installed in wrong place it's crooked after trying to contact XXXX XXXX XXXX we were informed in XXXX of 2022 that they are no longer in business the panels have never been inspected or even turned on after fighting with Goodleap loan company sent someone out to fix the issue they came out took all panels electrical boxes wires ECT off stacked them in my yard safety hazard never heard from them since Goodleap keeps calling wanting payment which we were paying to collect payment promised to fix issue now they want to raise my payment from {$180.00} a month to {$250.00} for something sitting stacked in my front yard don't forget the steel poles to hold panels sticking up in my yard please help I don't want the solar it's already took down they can easily pick it up I'll cut the poles down myself thx for your time XXXXXXXX XXXX
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

Mohela is illegally trying to force borrowers to recertify before they are required to even though it says on the Student Aid. Gov website that borrowers did not have to recertify during to the pandemic or for 6 months after. 

Because of Mohelas illegal behavior, I am now in forbearance waiting to be placed back on the IDR plan I was on before the COVID pause. My loans have accumulated interest that they should not have because of this. 

I have already filed one complaint and I am still waiting to for Mohela to correct their mistake. 

I believe Mohela is committing a crime by intentionally giving out misinformation that is easily verifiable.
Consumer complaint received 2023-11-23
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. (MI)

In accordance with the Fair Credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2. It is also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1681c ( a ) ( 5 ) section. States no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items information, other than records of convictions of crimes which antedates the. report bu more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information ice inaccurate.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

My grievance is with the loan servicer Mohela. I should be at XXXX payments of my loans this month ( XX/XX/2023 ), however I was placed in a random forced forbearance in beginning of XXXX. I waited on hold for XXXX XXXX hours to get the forbearance lifted. I was told that my XXXX payment ( already paid ) would retroactively count towards XXXX despite their mess up. XXXX forbearance was lifted. XXXX weeks after that I got a email stating that I missed my XXXX payment. I signed back in to find that Im again in forbearance until XX/XX/. My XXXX  count still shows only XXXX out of XXXX, but now also shows XXXX ineligible payment ( my XXXX payment ). I did not receive any letter, stating that interest does not accrue during this current forbearance, or that it will count towards XXXX. I actually got a letter stating that interest will continue to accrue during this time of forbearance, not mentioning anything about XXXX. It is almost impossible to get anyone who can actually help on the phone for XXXX reasons ; XXXX. It takes hours of holding to actually get anyone on the phone, and XXXX. Once they answer they are generally training so do not know how to help you. This is too time consuming for someone with a full time job. Irritatingly, different people you talk to give you different answers for the same question.
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

In early XXXX, I applied for all XXXX of my XXXX XXXX XXXX XXXX MOHELA to be put on the XXXX XXXX XXXX XXXX anticipation that XXXX would become XXXX On XX/XX/XXXX, all XXXX were approved for XXXX. On XX/XX/XXXX, I received a letter saying only XXXX of my loans were switched to XXXX, while the other XXXX were still on XXXX. I received no follow up emails. On the weekend of XX/XX/XXXX, I logged into MOHELA to check the status of the loans, and say that the XXXX that were on XXXX were switched to XXXX without any notification. The payment amount is somewhere around XXXX what it would be under XXXX. I called them on XX/XX/XXXX to try and rectify the issue, and was told that " there is just no notes on the account so they can't see what happened. '' and I would need to re-apply for XXXX. They made no guarantee this same thing would not happen again, or that the I would be approved in time of my forbearance.
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

On XX/XX/XXXX I inquired with Mohela regarding refunding payments made during the payment pause for COVID-19. I received an automated response stating that the request for refunds had been submitted and there was nothing I needed to do. I subsequently called Mohela a few days later and spoke with someone who told me there would be 2 refunds : one for payments made directly to Mohela and the other for payments made to XXXX during the period of XX/XX/XXXX to XX/XX/XXXX. I received the refund from the payments to Mohela on XX/XX/XXXX, but was told that the XXXX refund could take 90 days. After 90 days passed I subsequently called again in Late XXXX/Early XXXX to ask for a status of that refund. I was told they accidentally closed out the refund request and would re-open it. I messaged them again on XX/XX/XXXX and again XX/XX/XXXX with no response. Today I called ( XX/XX/XXXX ) and was told my refund request was cancelled as it passed a date of XX/XX/XXXX. Even though my original message and request was in XXXX I am now being unfairly treated for money that was overpaid during a very hard financial time seeing prices increase for everything. Now I am struggling trying to make ends meet while counting on receiving this refund.
Consumer complaint received 2024-04-17
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. (NY)

I have disputed incorrect credit reporting to XXXXEQUIFAX/XXXX  several times and asked for this incorrect information to be removed from my credit report several times as well. XXXX/EQUIFAX/XXXX  refuse to remove this information. 

XXXX XXXX XXXX XXXX  NEVER INSTALLED XXXX XXXX on my property at XXXX XXXX XXXX and refused to cancel this debt for XXXX long years AND refuse to remove the INCORRECT " unpaid balance-charged off '' status from my credit report. 

XXXX/Equifax/XXXX  are reporting a {$19000.00} charge off amount for product/services that i never received. The installation NEVER took place. I do not have solar panels! 


My credit score has been adversely affected for XXXX long years. XXXX XXXX canceled the debt in 2023 and refuses to update XXXX. I have informed XXXX that i never received solar panels from this company many times and they refuse to remove this incorrect information from my credit report.
Consumer complaint received 2024-04-17
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. (NY)

I have disputed incorrect credit reporting to XXXXTRANSUNION several times and asked for this incorrect information to be removed from my credit report several times as well. XXXXTRANSUNION refuse to remove this information. 

XXXX XXXX XXXX XXXX NEVER INSTALLED XXXX XXXX  on my property at XXXX XXXX XXXX and refused to cancel this debt for XXXX long years AND refuse to remove the INCORRECT " unpaid balance-charged off '' status from my credit report. 

XXXXTransunion are reporting a {$19000.00} charge off amount for product/services that i never received. The installation NEVER took place. I do not have XXXX XXXX 


My credit score has been adversely affected for XXXX long years. XXXX XXXX canceled the debt in XXXX and refuses to update XXXX. I have informed XXXX that i never received XXXX XXXX from this company many times and they refuse to remove this incorrect information from my credit report.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 I unexpectedly received notice from my banking institution, JP Morgan Chase, that a sudden decision had been made to close all my concurrent credit cards and my personal checking account, without any specific reason. All my credit cards were in good standing. 
I contacted them a few days later via a phone call and they refused to conduct a secondary review of the account closures.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-11-22
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. (NY)

XXXXXXXX XXXX and XXXX account XXXX, has violated my rights. In accordance with 15 U.S.C 1681c, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX  submitted a debt to collections that was not mine, the name on my credit report is Sunrise Credit Services collecting for XXXX. the amount is XXXX in another state. Where I have never lived. The date it was opened falsely was XX/XX/2023. 

address of the creditor, Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Number : XXXX
Consumer complaint received 2023-07-04
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted dispute through Transunion via phone since I am unable to access online portal regarding inaccurate/ incomplete balance history for accounts listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX Its safe to say a thorough reinvestigation was not completed since ALL accounts reported back as verified/updated, but all accounts appear to be reporting the same discrepancies. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify accounts in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to XXXX or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of 1974 and 15 U.S.C 1681E since other consumer reporting agencies has reviewed and removed some of the accounts mentioned earlier. I have attached some documents from my most recent consumer reports from Transunion and XXXX highlighting the discrepancies.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (MO)

There is a account on my credit from XXXX that is with a collection agency called credit management. The amount for the debt collection is XXXX. Discount was made fraudulent. I never opened a account. Ive tried to resolve this several times Ive put in fraud claims theyve removed it from my credit several times and keep trying to put it back on there. This is not my account. This is fraud.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-20
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: Westcreek Financial (IL)

XX/XX/2023 I got a {$600.00} loan from Koalifi West Creek Financial. With the loan about XXXX points were deducted from my XXXX credit score The loan was paid on time in good standing. I only received XXXX points back to my XXXX credit score after the Koalifi West Creek Financial loan account was paid/closed XX/XX/2023.