davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (FL)

All inquiries have been made on my credit profile between dates of XXXX XX/XX/2022 I have reached out to all creditors to get information deleted and there has been no response I have provided the credit bureau XXXX proper documentation stating that the inquiries are ongoing and they need to be deleted but I have not received any response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-11
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$25000.00} XXXX/XXXX  XXXX {$660.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$710.00} XXXX  XXXX {$3600.00} XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX XXXX XXXX {$360.00}
Consumer complaint received 2020-05-11
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. (TX)

There is 2 debts being reported to all 3 credit bureaus from XXXX XXXX. I have disputed these charges. There are 3 accounts and I only had one account with XXXX XXXX, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted XXXX XXXX about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XX/XX/2020. I contacted World Finance again and spoke to XXXX on XX/XX/2020 and she informed me that if I pay {$200.00} that XXXX XXXX would remove this debt from credit, although this is not my debt, so I sent XXXX XXXX a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent XXXX XXXX. It still remains on my credit report.
Consumer complaint received 2023-07-10
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. (CO)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-05-29
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. (TX)

I received notification from the creditor that they couldnt find record of this account, so how did you come back and say that it was verified as accurate? Unverified and illegal reporting, remove the following account from my credit report immediately : XXXX XXXX XXXX. You are also reporting errors in the payment history which is another violation of the fcra and I can take this to small claims court.
Consumer complaint received 2022-05-20
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. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reported on my Credit Reports : XXXX XXXX/XXXX/2022
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$300.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-10
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 have written numerous letters to Transunion within a 6 month time span advising 2 collection accounts ( XXXX XXXX and XXXX XXXX ) weren't mine. I have also written numerous letters to XXXX within a 6 month time span advising 2 collection accounts ( XXXX and XXXX XXXX ) weren't mine as well. Each response they sent back stated the accounts were verified. When asking for how they were able to verify the accounts, I would receive no response. After advising them, the companies as well couldn't verify nor confirm the accounts were mine, they continued to report the negative information on my credit reports. 
In addition, I advised both Transunion and XXXX that a collection account, XXXX was not mine. Transunion closed the account and XXXX  still has the account open. There is no reason why this account should be on my credit reports.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The info being reported is incorrect According to FCRA the statue limitation has past. Original date being reported is incorrect. Aside from the fact it is not valid No documentation has been received proving the accuracy. No response regarding the proof of accuracy
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have sent four certified letters to Equifax - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all XXXX Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of XXXX have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on XXXX. I have called numerous of times XXXX  starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and XXXX is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these XXXX Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # XXXX )
Consumer complaint received 2022-11-11
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. (NY)

I sent you a letter on XX/XX/2022 but it's been over a month now I still haven't got a response nor have you guys updated the status of the dispute on my credit report. This time I am seeking help from the CFPB with the hope that you're going to comply this time. This error is affecting me so much.
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

Due to the coronavirus pandemic, my wife and I have lost all of our income for the foreseeable future. Therefore, it has become very difficult to make our monthly mortgage payment to XXXX XXXX PHH Mortgage Services XXXX I called them in XXXX as soon as our businesses began shutting down and spoke with a representative. I was told at the time that the only option they were offering was 3 months without payment or penalty. But on the 1st day of the 4th month, the previous 3 months payments plus the 4th month would be due. Having absolutely no income, this would be impossible. I hung up being very angry and disappointed at their offer. Around XX/XX/XXXX I received the attached letter offering the same plan : three months forbearance and a balloon payment due on the fourth month. We went ahead and paid the mortgage for the month of XXXX because we didn't really see a balloon payment as anything helpful. We also don't trust the idea of " renegotiating '' with this company at the end of three months if we were to forego paying the mortgage. What could they potentially do to us? How would we know that they would offer to attach the missed mortgage payments to the end of the loan as we believe they are supposed to do? The plan doesn't seem to be fully outlined and we are concerned. We are now dipping into our limited savings to stay afloat.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020, I made a TransUnion Account thinking that it was a free credit report. As it turned out, I found it wasn't free and it was false advertising to say that it was free, but instead a subscription service after my account was created. I was charged XXXX not knowing that. I have canceled my subscription, but I currently don't trust them in refunding the initial cost due to this occurrence alone.
Consumer complaint received 2023-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MO)

I received a letter from Wakefield and Associates LLC on XX/XX/XXXX identifying themselves as a collections agency and stating I owed a balance of {$10000.00}. I sent them a certified letter on XX/XX/XXXX asking to identify the original creditor and a copy of the original written agreement that stated this balance was owed by me. I received on XX/XX/XXXX 15 pages, including an " Account Detail '' that only listed dates and balance owed and all these service dates were listed XXXX XXXX as the original creditor. The rest of the pages each listed all of my personal information such as name, date of XXXX, social security number, address, phone number, and place of employment along with a " date of service '' and again a balance due. I did not receive any copy of the agreement with Wakefield and Associates nor XXXX XXXX in this package. I then sent out another certified letter to Wakefield and Associates on XX/XX/XXXX, once again asking for any copy of the agreement with either their collection agency or XXXX XXXX a breakdown of supposed medical charges and collections costs, as well as a copy of my signature with said provider to release my medical information to Wakefield and Associated. It has been well over 30 days and I have yet to receive any of this information or any communications from Wakefield and Associates LLC since sending out this letter.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The initial notarized dispute letter was mailed certified to TransUnion, and with a return receipt request by me on XX/XX/2020. The letter was disputing inaccurate and unverified information on my credit report. The notarized dispute letter was received by TransUnion on XX/XX/2020. I waited the required 30 days, plus allowed more time for a response from TransUnion, and 45 days later I received no response. 

On XX/XX/2020, I mailed another certified letter of non-response, along with a copy of the initial certified letter of the dispute ( also certified and requesting a return receipt ), and a copy of the initial return receipt stamped by TransUnion on XX/XX/2020. I requested all negative unverified items to be removed since they had not responded within 30 days or more. I also asked them to send me an updated credit report to reflect this update. But instead of the items being removed, and getting an updated credit report, I received a letter stating that the investigation was now complete, verifying items as accurate with no proof and also stating that I could dispute the items with 100 words or less. It also stated that I could pay {$9.00} to request a copy of my credit score since I did not order one.

Not only is this an insult and a slap in the face, but it is also a clear violation of FCRA, 611 ( a ) ( 5 ). Please help me to resolve this matter as I am a 100 %  XXXX veteran fighting to resolve a matter that has been an issue for some time now. I know my status as a XXXX Veteran may not appeal to you, but it surely does frustrate me after fighting for a country that can not seem to give me a little justice regarding a matter that harms no one but me. Thank you for your attention to this matter.
Consumer complaint received 2023-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I applied for TEPSLF in XX/XX/XXXX for my federal student loans. 

I've been continuously employed since XX/XX/XXXX with a PSLF-qualified gov't agency. I never missed or deferred on a single loan payment. 

My loans were transferred from XXXX to U.S. Dept of Education to MOHELA in XXXX XXXX. Since that time, it has been a nightmare trying to get information on the status of my loans with MOHELA. 

After finally reaching one of their customer service reps in XXXX XXXX, I received a memo which indicated I had " 182 PSLF Eligible Payments '' but could provide no other information about TEPSLF. 

In XX/XX/XXXX, the details of my loans disappeared from the MOHELA website, but it displayed a {$0.00} balance. There were no memos or notices on the website explaining what had happened. 

I called MOHELA customer service repeatedly to verify the status of my loans. They informed me that my loans had been discharged under PSLF, but could provide no information on TEPSLF and the 62 over-payments eligible for refund.

I was told I would have to wait 90 days for MOHELA to provide an update on TEPSLF ... then it would be up to the U.S. Department of Education and that could take another 90 days or more. 

If that estimate from MOHELA is accurate, I would be looking at approximately 16 months from the time I applied to determine if I qualified for TEPSLF??? 

It should be noted that according to MOHELA 's XX/XX/XXXX Investor Presentation, they are using the same servicing platform COMPASS to perform its servicing operations as my original loan holder ( XXXX ) -- with whom I never had a single hiccup. 

So, the lack of communication and delays with MOHELA are genuinely hard to fathom, not to mention terribly stressful for me and my family.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Im really unsure where Experian got the indication that my XXXX XXXX credit card was closed. It is still active, never been late, and the limit was just increased to {$700.00}. Id like them to correct their mistake instead of making me wait 30 days for something that isnt my fault.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union, XXXX and XXXX XXXX  XXXX has opened. My account is no longer close. All of my everything delinquent is supposed to come off my account. Im going to attach a letter from the bank from XXXX XXXX.
Consumer complaint received 2023-05-19
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. (SC)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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
Consumer complaint received 2023-03-31
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-31
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. This items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Date Opened XX/XX/04 Balance {$300.00}, XXXX XXXX Date Opened XX/XX/04 Balance {$2700.00}