davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NC)

In XX/XX/XXXX my loans were transferred from XXXX to Mohela. Once they were transferred, I submitted my Employment verification form under the temporary waiver on XX/XX/XXXX to meet the XX/XX/XXXX deadline. I received notification from Mohela on XX/XX/XXXX my form was missing information. I called Mohela shortly after ( I think XX/XX/XXXX ) and spoke with XXXX XXXX employee ID XXXX ) who verified there was no missing information and he would resubmit it with those notes and that " it should '' still be considered as on time for the XX/XX/XXXX deadline. I received notification from Mohela on XX/XX/XXXX that I was not yet eligible for forgiveness. At that time they also provided me with an updated PSLF loan count, which was incorrect. Fine, not eligible under the waiver, but I needed my PSLF loan count to at least be correct. 
Before my loans were transferred away from XXXX I had them provide me with an updated PSLF count. The XXXX count showed that Loan Sequence 7 & 9 would be eligible for forgiveness XX/XX/XXXX, Loan Sequence 11 & 12 in XX/XX/XXXX, and Loan Sequences 1-6, 8 & 10 in XX/XX/XXXX. Mohela 's dates were off by more than 12 months, thus extending how much longer I had before I would be eligible for forgiveness. 
I have only had two employers the past 10 years and with no gaps in employment and have verified my employment every year and always made qualifying payments under the right payment plan. 
I called Mohela XX/XX/XXXX to attempt to have this fixed - I spoke with XXXX ( employee ID XXXX, in training ) and went through each loan sequence in detail and reviewing my employment dates to verify the correct counts - she said it would take 10 days to receive an updated count on the website but that it looked correct on her end after we spoke. I then waited a couple days and submitted an updated Employment Verification Form on XX/XX/XXXX verifying my employment with my employer through XX/XX/XXXX so that they could verify Loan Sequence Loan Sequence XXXX & XXXX would be eligible for forgiveness XX/XX/XXXX, Loan Sequence 11 & 12 in XX/XX/XXXX. Instead I received notification that I submitted a duplicate form, which was incorrect, it was not duplicate. So I called Mohela again on XXXX and spoke with XXXX XXXX employee ID XXXX, in training ) who confirmed my form was not duplicate and that on XX/XX/XXXX I should see the updated/corrected PSLF counts XXXX that should reflect what I had from XXXX  ) and that my XX/XX/XXXX form would no longer say Duplicate and instead Processing. on XX/XX/XXXX I received notification from Mohela that I was not eligible for forgiveness yet ( even the ones I should be ) and the updated count they gave was again incorrect. I am on the phone with them again trying to get this resolved. This madness needs to stop. I have had only two employers without gaps in employment and verified my employment every year and have always made the eligible payments.
Consumer complaint received 2022-11-03
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)

I recently checked my credit report and found multiple inaccuracies and accounts that does not belong to me. I understand these credit reporting agencies are not supposed to be reporting inaccurate information and it's hurting me and making it hard for me to acquire credit.
Consumer complaint received 2022-11-03
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. (KY)

Between the months of XX/XX/2022 through XX/XX/2022 i received email notifications that my social security was compromised and was on the dark web. I ignore it thinking it was spam however it was sent to my inbox. I received another email stating that my social security was compromised again and was on the dark web. I soon put a freeze on my credit report until i find answers on what with my social security being compromised. I temporarily lift the freeze and once again another inquiry on report again. I have not authorized any of these inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (LA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (TN)

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 U.S.C 1681. 

( Experian ) Dept of educationXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX ( XXXX ) Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX Dept of Ed/XXXX XXXX XXXX Dept of Ed/XXXX  # XXXX Dept of EdXXXXXXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/NelNet # XXXX Dept of Ed/NelNet # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX XXXX XXXX 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. State I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agencies CAN NOT furnish an account without my written instruction and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that 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.

15 U.S.C 1681b-2 States permissible purpose must be given to corporations to report any information on the consumer.

15 U.S.C 1681a-2 ( A ) ( 1 ) States that the transactions and experiences between the consumer and the person making the report is not to be included on the consumer report.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sezzle Inc. (GA)

Sezzle account tried to make payments arrangements with the amount of {$660.00} and not its showing a different amount .I was affected with XXXX was sick in the hospital and had an emergency XXXX and lost wages and became XXXX  and didnt try to work with me concerning the debt. And it reported to credit reports.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax Information Services LLC. 
XXXX XXXX XXXX XXXX, GA XXXX Request for Investigation of Unauthorized Hard Inquiries on Credit Report Dear Sir/Madam, I am writing to formally dispute the following hard inquiries listed on my credit report : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I have the right to verify the accuracy of information reported on my credit file. After reviewing my credit report, I have identified unauthorized hard inquiries that I did not initiate or authorize. 

I request that you conduct a thorough investigation into these unauthorized inquiries and provide me with the following information : XXXX. Verification of the purpose of each inquiry. 
XXXX. Proof of authorization for each inquiry. 
XXXX. Documentation showing that each inquiry meets the permissible purpose under the FCRA. 

I also request that you promptly remove any unauthorized hard inquiries from my credit report as they are negatively impacting my credit score and may affect my ability to obtain credit in the future. 

Please provide a written response to this dispute within 30 days, as required by the FCRA. If you are unable to complete the investigation within this time frame, please inform me of the delay and provide an estimated timeline for resolution. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this dispute.
Consumer complaint received 2022-11-24
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX XXXX XXXX, FL 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-11-03
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. (IN)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello cfpb, the following list of dates and corresponding company names are fraudulent inquiries on my credit report that I did not authorize the companies to pull my credit and should be removed from my credit report. 

XXXX. XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX - XXXX FCU XXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX - XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Thank you in advance, Respectfully, XXXX XXXX
Consumer complaint received 2022-11-03
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-03
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-03
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-03
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. (NC)

Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXD XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2017-05-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am aware that on  XXXX   XXXX ,  XXXX , and again on  XXXX   XXXX , TransUnion deleted everyone 's credit inquiries on their TransUnion credit report. Later in the year, they were added back to my credit report. I did not recieve a legally required written notic e five days  prior. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with  XXXX , a United States supervisor, on  XXXX   XXXX ,  XXXX  and while I had  XXXX  inquiry removed, I was told that the others were not impacted. I know this is not true. These inquiries being removed and then re-added has caused a hardship for me and has violated my rights. My goal in this complaint is that you can help force TransUnion to stop victimizing me. I am asking in resolution that my credit inquiries be removed permanently as violation took place when they were illegally added.     Thank you and have a blessed day.
Consumer complaint received 2022-11-03
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

This is the third time I come here to file a complaint. These bureaus keep sending me the same letters! How is nothing being done??? XXXX XXXX and Experian continue to respond with verified I have already submitted the letter from XXXX XXXX  where it has come back as UNVERIFIABLE and it has been removed from their system! How are the bureaus still reporting it as verified I have also been in contact with the courts and they DO NOT report to any bureau!!! Why do they continue to waste my time and send me the same letters! This is a mockery! Im in the process of purchasing my first home and this is greatly affecting me and stressing me out! I demand they take accountably for reporting inaccurate information and remove it from my credit. Please take action! I have submitted yet again, the letters XXXX, XXXX and Experian have sent me, the same letters they continue to send me as verified I have also attached yet again the XXXX letter where they were NOT ABLE TO VERIFY IT AND HAVE SINCE REMOVED IT FROM RECORD! XXXX has removed it since XX/XX/XXXX!!! We are now in mid XXXX! Why is this still being allowed!!!
Consumer complaint received 2024-03-27
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 have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a customer of Bank of America. I have noticed that when I cancel a transaction made from my debit card the transaction is simply removed from my transaction history but I never receive my money back to my balance. This has happened several times so yesterday I had to cancel a transaction, and I also took a screenshot of the transaction history and balance before the transaction was cancelled and another screenshot of the transaction history and balance after the transaction was cancelled. The balance remained the same even after the transaction was cancelled. The transaction was simply removed from my transaction history, but the money was NEVER refunded back to my account balance. I also have a screenshot of the email from the merchant stating that they were issuing me a refund. I tried to upload the files for you to view on this complaint, but I could not. However I did email you a copy of the screenshots I have and a detailed report about my concerns.
Consumer complaint received 2023-05-16
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. (OR)

I have asked XXXX XXXX and experian to have XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX to provide proof of contract with my signature on it stating I owe these collection companys money and if proof of contract is not provided to have them deleted immediately
Consumer complaint received 2022-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SG and Associates (OH)

Original debt was from XXXX XXXX XXXX  sold to debt collector paid XX/XX/XXXX. Received receipt that was off collections. In XX/XX/XXXX new debt for XXXX was put on account through Stafford group and associates. Stafford is not Better Business Bureau accredited phone number goes straight to voicemail. Ive called XXXX XXXX XXXX XXXX disputed the debt almost 8 times now spoke with XXXX  and second creditor. Stafford is a scam. XXXX XXXX will not take off.