davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (TN)

I was recently dismissed from bankruptcy we notified Ally financial and requested a work out plan because I want to keep my vehicle. We spoke with XXXX in the skip dept. Friday XXXX XXXX, 2016. He stated the account was still under bankruptcy and requested we fax over documents to start the negotiation. We fax the requested documents. He also stated the vehicle would not be reposed and I would keep my vehicle. My vehicle was reposed this afternoon XXXX XXXX, 2016. I have not received a demand letter for payment or correspondence stating Ally was requesting the vehicle to be picked up. XXXX gave us misleading information and I was calling to work out a payment plan. Ally is still mis treating the customer with their unfair collection practices. I 'm aware of the recent class action suit that the company was involved in.
Consumer complaint received 2023-09-26
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: FIFTH THIRD FINANCIAL CORPORATION (PA)

I have been disputing this Fifth Third account since XX/XX/2023. I recently received a letter on XX/XX/2023 from Fifth Third stating that per their investigation, they have the understanding that the account was not opened by me and that i wasn't being held accountable for the account. The stated that they were contacting the credit bureaus to delete the information off my credit file. The account was deleted by all 3 credit agencies, however it has been placed back on my XXXX report.
Consumer complaint received 2023-03-02
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. (NV)

XXXX XXXX XXXX This companies used my information improperly, without my consent, I applied for business equipment credit lease and they used my personal report instead of my EIN.
Consumer complaint received 2018-10-08
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. (IL)

On or about XX/XX/2018 I requested Equifax to remove a previous address that was I no longer lived at that was exposed during Equifax data breach. I received the results of the above dispute and Equifax successfully deleted the previous address from my credit report. 

That same day I tried to submit another dispute but received an error stating that my personal information couldn't be verified and to send in additional documents to verify my identity. I did so by mail sending Equifax a copy of my ( Driver 's license, social security card, utility bill for my current address along with a additional document with my previous address. 

On or about XX/XX/XXXX I checked my Equifax credit report and noticed that Equifax had reinserted the previous address which had been previously deleted. That same day I submitted a request to have it removed again via a customer service representative via phone. 

On or about XX/XX/2018 I received a dispute completed email regarding the removal of my previous address. The results stated that the address couldn't be removed due to previous documents I sent to Equifax previously!
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I made payments towards my student loan balance during the pandemic freeze. I requested a refund from Mohela in XXXX of XXXX for the payments made during the pandemic. I called on XX/XX/XXXX and was told by Mohela that the request was submitted on XX/XX/XXXX. I was told it would take XXXX weeks to get a refund in the mail. They never send me any information regarding the application I submitted over the phone requesting the refund or any paperwork to show that they filed my request. It's been over 7 months now and I have not received a refund check in the mail from Mohela. I called Mohela last in XX/XX/XXXX ( on XX/XX/XXXX ) and was told they could not find anything regarding a refund check and that they could not tell if it was processed and sent. I received a follow up call from a Mohela supervisor in the following week. The supervisor was unable to provide any updates or answers. Instead, I was told a new request will be submitted. I called Mohela again last month ( XX/XX/XXXX ) and each time I was on the phone for over XXXX hours just to be informed that they need to do more investigation. This is their routine every time I call- The first representative to answer always states they are in training and can not provide any answers and would transfer my call to an advance agent in which I have to be on hold for hours for nothing. Mohela was quick to add the {$21000.00} back to my student loan balance in XXXX of XXXX ( on XX/XX/XXXX per Mohela rep ) but they never issued me a refund check. I am currently paying interest on the {$21000.00} added to my account without ever receiving the refund. I would like assistance resolving this issue as it is a nightmare getting any answer from Mohela and a nightmare getting anyone on the phone. They are deflecting all calls and can not provide any updates or answers. I also filed the following complaint with the XXXX XXXX XXXX against Mohela.
Consumer complaint received 2023-06-01
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. (TX)

You are in direct Violation of the Fair Credit Reporting Act and several of my rights has been violated 15 USC 1681 Section 602 A. Clearly states that I have a right to Privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an 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.

Remove late payments, collections, and charge offs ands update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) - Exclusions the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681n Civil liability for willful non compliance Furthermore, any CHARGE OFF remarks are not only a violation of the FCRA but also the IRS Tax Publication that states a charge off written off by the creditor must be claimed as income on a 1099C and income is NOT to be reported on a consumer credit report/file.
Consumer complaint received 2018-03-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I graduated from XXXX XXXX in XXXX, MI in 2003, although for some reason it is not on your list. Navient has proven to make it extremely difficult to repay my loan as they only accept a limited payment option by debit or check only. I was on disability for 7 months and they would not send me the proper paperwork. My loan balance for graduating now 15 years ago is still totally over {$20000.00} dollars. I find that very hard to believe considering is was a 2 year XXXX college. I tried recently to get my transcripts from XXXX  who is supposedly servicing XXXX students. I paid {$10.00} only to receive a measly certificate with the name of my degree. Right now employers do not even recognize XXXX as an accredited college for education. So my degree is worthless. I'm looking for a loan discharge as I feel that this is fraudulent, and are prepared to take legal action if necessary.
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MA)

I disputed XXXX chapter bankruptcies on my credit report thru Equifax starting XX/XX/XXXX I have done the inline disputes as well as the disputes via USPS. Each time Equifax continues to verify these and other things on my report without proof. I recieved notifications from equifax stating to call or mail The BK court here in Massachusetts on XXXX XXXX then 2 weeks later at anothr address at XXXX in XXXX, ma. I called the BK court and asked the clerk about Validation and Verification with the Credit bureaus. The clerk told me that they do not report, inform, validate or verify anything to credit bureaus or any other outside enitities. If that is the case then how are they verfifying this information. They also violated the FCRA by not adding the term consumer disputes on my credit report, i have proof of these things. Equifax also continues to validate and verifyother account and inquiries on my credit report that are lowering my credit rating, things that should n't be there as well. I have sent many letters to them, and have called, theyre very unprofessional and semi corrupt in the way they do business.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filling this complaint because transunion has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, 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. (LA)

On my Equifax credit report on ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 


On my XXXX credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 

On my XXXX credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.
Consumer complaint received 2023-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (OH)

I have provided documentation to XXXX XXXX XXXX and to the three credit bureaus regarding the inaccurate information contained on my credit file. I have disputed the credit information numerous times as well as calling XXXX XXXX XXXX several times- all to no avail. Even with documentation showing the information listed on my credit report is incorrect, the information remains uncorrected. 

Again, Im disputing the following inaccurate information listed on my credit report. Below are the facts and documentation to support why my credit file should be corrected. 
XXXX XXXX XXXX I. Explanation. 
XX/XX/XXXX, I filed XXXX XXXX bankruptcy, case # XXXX. 
The plan was confirmed on XX/XX/XXXX. 
I completed the case on XX/XX/XXXX. 
All checks distributed by the trustee cleared the bank See Attached Documentation. 
XXXX XXXX XXXX was approved and was classified as a Secured creditor. They claimed {$22000.00}, which was allowed, and they also received {$2400.00} in interest payments. The total amount paid to XXXX XXXX XXXX was {$24000.00}. See Attached Documentation. 
I completed all required payments to XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX separately mailed two letters. The first letter stated that there were no liens or encumbrances on the vehicle, and I was able to obtain my car title from the Ohio BMV. See Attached Documentation. 
I obtained a clear title from the Ohio BMV on XX/XX/XXXX. Title Attached On my credit report, XXXX XXXX XXXX list that the original balance on the car was {$22000.00} and as of XX/XX/XXXX, the company charged off {$960.00} and written off {$5800.00} past due. 
This information is not accurate based on the courts documentation. 
According to the XXXX XXXX Standing Trustees Final Report and Account, I paid {$22000.00} and {$2400.00} in interest for a total of {$24000.00}. See Attached Documentation As of XX/XX/XXXX, XXXX XXXX XXXX now states I owe {$6000.00}! 

II. Update/correct/remove Information. 
I request that the current information contained on my credit file be updated/removed/corrected based on the documentation that I have included. 
My credit record should reflect that I paid a total of {$24000.00} through the XXXX XXXX Bankruptcy Court plan. 
III. Copy of the Portion of my Credit Report in Question Copy of the XXXX XXXX XXXX page from my credit report. 
The XXXX XXXX Standing Trustees Final Report and Account ; what XXXX XXXX XXXX claimed and was paid.
Consumer complaint received 2023-06-01
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. (FL)

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 XXXX XXXX XXXX  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 finish 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 2016-01-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I am still having a problem with Equifax in XXXX. They continue to send mail to an old address of mine in XXXX, XXXX, even though I have not lived there since XXXX. Of all the credit reporting bureaus, I find Equifax the most difficult to deal with. 
In the spring of XXXX, I discovered I was the victim of major identity theft. I contacted the XXXX main credit reporting bureaus to place fraud alerts and security freezes. I found out that the identity thieves were using XXXX addresses to open up fraudulent accounts using my personal information : XXXX, my old apartment address in XXXX, XXXX, and XXXX, a phony XXXX in XXXX, XXXX. 
The Equifax Security Freeze Department continues to send mail to my old XXXX, XXXX address, even though I have told Equifax REPEATEDLY that I have lived in XXXX, XXXX since XXXX. 
I gave Equifax copies of my XXXX, XXXX utility bills, SSN, and other personal information to confirm my identity in the spring of XXXX. I also provided a letter from my former landlord in XXXX, XXXX, stating that I had not lived there for 8 years. 
Yet, on XXXX, I received yet another " change of address '' letter from Equifax. If I call the Equifax Security Freeze department phone number that is on the letter, they will not talk to me, as I do not have an " Equifax Security Freeze number. '' Equifax never gave me a security freeze number ... I reviewed all of my correspondence with that company, and a number was never provided. 
Online sleuthing and additional reports indicate that XXXX of the identity thieves, a male, lives in my old XXXX, XXXX apartment. This thief used my personal information to open up several fraudulent accounts, including a home mortgage loan, an auto loan, bank credit cards, and a personal installment loan. 
I am going to ask Equifax , ONE MORE TIME, to stop sending my personal mail and personal credit reports, to XXXX, XXXX My son is contacting law enforcement on my behalf, in hopes that the XXXX identity thief will be arrested. In the meantime, I need Equifax TO PROTECT MY PERSONAL INFORMATION, AND TO STOP SHARING MY PERSONAL CREDIT REPORT WITH OTHERS! I NEED EQUIFAX TO STOP MAILING EQUIFAX LETTERS AND PERSONAL CREDIT REPORTS TO MY OLD ADDRESS FROM EIGHT YEARS AGO!
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act 15 U.S. Code 1681, a consumer reporting agency must maintain accurate reporting. Reinvestigate the account in question, see attached form 1099-C as verification that the debt has been canceled and is no longer enforceable. According to the IRS, form 1099-C is used to report canceled debt, which is generally considered taxable income. Therefore, late payments shall not be reported. 

Immediately remove all late payments from my consumer report, and adjust account # XXXX to reflect the true and correct statement of account. Failure to comply with instructions within 5 days, shall result in a {$1000.00} responsibility per violation. Provide me with a copy of my new consumer report. Thank you for your time and attention to this matter.
Consumer complaint received 2024-03-02
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. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
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. (TX)

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX 6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account XXXX : XXXX Delete this account. 


7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


11. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 


12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 




16.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


19.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.