davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I am unable to get Mohela to review my account under the new XXXX XXXX XXXX XXXX XXXX XXXX ) waivers and guidelines. My loans were consolidated into the correct loan type in XXXX. I've been with a qualifying government employer since that time. My PSLF history goes back to XX/XX/XXXX when the program started. I've submitted employment certification regularly ( to XXXX and now Mohela ) during that time. My account currently reflects XXXX qualified payments, an additonal XXXX needing employment certification and XXXX ineligible payments. The XXXX ineligible are all forbearance months that will become eligible and qualifying once my account is reviewed. I submitted an application in XXXX that was processed in XXXX with an update to only the more recent months. I was again denied forgiveness. I submitted another application recently and am just trying to get someone to review and update my seemingly straightforward account information and path to loan discharge. Once reviewed, I will have XXXX qualified payments and my loan forgiveness will date back to XX/XX/XXXX, resulting in a substantial refund of payments. Every touch to the case seems to start a new " 90 BUSINESS day '' clock for review. It has now been almost a year that new policies regarding forbearance months were announced and there has been XXXX movement on my case. I am asking for timely review of my account and submission for discharge of my loans under XXXX.
Consumer complaint received 2023-02-23
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. (ID)

I filed bankruptcy in XXXX and Equifax is showing my payment history as N/A. Immediately prior to that I had 100 % payment history. No late payments. But for some odd reason, Equifax decided to show my payment history no longer has 100 % excellent payment history, but rather theyre showing an N/A status which is further hurting my credit score. Its like they erased my excellent past 100 % past payment history.
Consumer complaint received 2023-02-23
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. (CA)

I am a consumer by law and this is not sent in error. My private information that is protected by law is being used without my written consent. I am demanding compensatory damages for this violation.
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed. Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ....
Consumer complaint received 2023-06-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I contacted Capital one about to XXXX hard inquiry that is reporting on my credit report. They told me they do not see any applications on my file and there should be no hard inquries reporting on my credit. I Called transition and sent them a certified letter but they told me they can not help me without a letter from Capital One. I called Capital one back but they said they can not give me a letter and just call XXXX back. I want these hard inquires removed from my report immediately.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am wanting to dispute the late charge that dropped my XXXX XXXX on the XXXX credit bureau. It showing that my vehicle a XXXX XXXX was delinquent and I traded in this vehicle and the payment was received with them on XX/XX/XXXX for {$32000.00} to Capital One XXXX and they reported that my payment was late. This vehicle was in my mother 's name XXXX XXXX and I was the co-borrower ( XXXX XXXX ). She has not received a late payment notice but I have.
Consumer complaint received 2023-02-02
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. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-22
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. (LA)

Greetings! 

In accordance with the Fair Credit Reporting act XXXX Account numbers below are in strong violations of my consumer rights. 

XXXX XXXX XXXX XX/XX/XXXX {$5600.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XX/XX/XXXX {$51000.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} To my understanding, in 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 that A consumer reporting agency can NOT furnish any account without my written instructions to do so.
Consumer complaint received 2023-05-13
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. (RI)

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, RI XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2016-03-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OH)

I had an overpayment of property taxes last year. The city refunded over {$600.00} to my mortgage company for the over payment. That money should have been sent to me within 30 days. It has never been refunded. They 've told me several times that it would be and that " a check request has been submitted ''. I started talking to them in regard to this situation in XX/XX/XXXX. They are holding my money illegally.
Consumer complaint received 2023-08-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO. (ID)

I received a call ( XX/XX/2023 ) from a supposed law firm stating legal action was being taken against me for an old debt on my old checking account. Saying they tried to reach me and sent letters to an old address that my grandmother still lives at she hadnt received anything for me. Thinking it was a legit claim I tried to see if I could do anything to prevent legal action. The paralegal said she would talk to the lawyer. It only took her a few seconds to find out that JP Morgan would drop suit if I paid in full the $ XXXX. I called the said bank and they said that they were not taking legal action. I canceled my debit card that I gave them to make a payment Friday.
Consumer complaint received 2023-05-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (IN)

CREDIT CORP SOLUTIONS , INC. has apparently filed suit against me, regarding a debt that I DO NOT owe them I have never applied for, agreed to, and/or signed for any form of credit with this company. 
I have been receiving solicitation letters from bankruptcy attorneys, offering their services to me, due to this unsubstantiated debt. I am being threatened with up to 25 % paycheck garnishment, and/or freezing of my bank account. II have never received a letter or any form of payment request ( in which i would have denied and disputed ), because I have NEVER received a loan, credit card or any other form of credit from this company. 

I will not be threatened and i do not appreciate this company 's attempt to EXTORT money from from me, directly nor through false legal filings.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to by property the lender pulled up FICO score but the score does not show their report. Without the FICO score lender can not process the loan XX/XX/2021 So I want to fix FICO score I have all the reports from company There is no problem on the on the report but only there is no score
Consumer complaint received 2017-05-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA (MA)

Account Name    XXXX   XXXX      XXXX   XXXX   XXXX   Account #  XXXX  I sent this organization via CERTIFIED MAIL  XXXX  items and they never responded.     Notice and Demand to Validate Debt Claim Affidavit to Prove Real Funds of Value Were Transmitted Privacy Act Request They need to remove this item from my PERSON 's credit report immediately. I will record a perfected security interest in  3x the a mount noted plus damages if they do n't remove this item from my credit report immediately.     I will also report them to the  US  ATTORNEY and ATTORNEY GENERAL for Loan Fraud and Securities Fraud.
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TN)

I submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. COMENITY BANK/EXPRESS HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCORRECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAYFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT.

HAS INSURANCE BEEN FILED ON THIS ACCOUNT?

HAS A 1099C BEEN FILED ON THIS CHARGEOFF ACCOUNT? 
DO YOU HAVE ERRORS AND OMISSIONS INSURANCE?
Consumer complaint received 2023-05-13
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-04-24
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. (VA)

I have repeatedly attempted to dispute items with Experian that do not belong to me : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian often ignores the dispute, not responding waiting the required 30 days. 
Other times, they are unable to verify the items, yet fail to delete them. 

These items do not belong to me. The FCRA requires removal if they are not mine and can not be verified. XXXX  has failed to provide any documentation of these items, has failed to verify them, had failed to respond to me, and has violated the FCRA on many occasions. 

They are required by law to delete these items immediately, since they have failed to do so within the timeframe prescribed.
Consumer complaint received 2023-02-02
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)

i've tried to have my credit report fixed through disputes, to no avail with all three major credit bureas. They are infringing on my common law copyright without authorization, they have caused me tremendous damage and suffering. I can not get approved for credit cards because they're willfully and knowingly violating their role in doing proper investigations. I've sent proof of XXXX XXXX credit cards paid in full with a XXXX balance and they are still reporting that i owe a debt when in fact I do not. Furthermore, I never authorized these agencies/creditor ( XXXX ) to furnish my non public information. They're not able to produce evidence of this, so now I've sent in my XXXX XXXX XXXX, Notice of demand, XXXX financing statement, and my legal/lawful notice of demand to which i'm demanding my credit file be updated with demands requested. I will continue business only if demands are met. I've been denied credit on numerous occasions due to the improper use of my credit report by these companies. They continue to ask for the same information when I was clear on the accounts in dispute, I also spoke with these agencies wherein experian was very disrespectful and threatening with abusive speech. They're assuming a vital role in furnishing information without authorization and will/shall be held liable if credit report demands aren't met. I urge them to aquire my written authorization from these so called creditors verifying that I authorized them to report anything on my behalf, which I never done. If these reporting agencies can not verify I want demands met effective immediately. This is the correct thing to do. My notice of demand must be adhered to. They're not authorized to furnish
Consumer complaint received 2023-06-21
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. (TX)

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 XXXX XXXX XXXX. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX BANK - XXXX - CLOSED - XXXX - XX/XX/2021 XXXX BANK - XXXX - CLOSED - XXXX - XX/XX/2021 XXXX BANK - XXXX - CLOSED - XXXX - XX/XX/2021 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2017-05-12
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. (VA)

The Credit Bureaus are reporting information without a copy of my original signature, I have submitted section  609 claim  to all   XXXX   of the Credit Bureaus, which states that the credit bureaus can not report information without a copy of the original signature. They continually fail to removed the items off of my credit report.
Consumer complaint received 2020-02-10
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. (NY)

Hello I was on my XXXX  XXXX  today XX/XX/XXXX noticed there was some fraud and unauthorized things on my credit report I need fixed. First off on my transunion I never applied for a XXXX  XXXX card on on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX i did not give any authorization for any of these companies to look at my credit so this was done without my consent. 

Now as for XXXX  I have more fraud and unauthorized things I want off my credit file. XX/XX/XXXX I am getting hit with 2 hard pulls i never authorized. Also on XX/XX/XXXX I am being hit with 2 hard pulls I never applied or have any knowledge of. 

I just want all credit reporters to be aware and fix this problem thank you guys.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Acct # XXXX Re : Acct # XXXX To Whom It May Concern : I recently received a copy of my XXXX and XXXX credit report, and I noticed some late payments posted on my credit reports : Mercedes Benz Financial Services . Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2022-12-28
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. (CO)

I have requested an investigation to update inaccurate information two times, once in XX/XX/2022and then a follow up in XXXX of 2022. Experian has not even started an investigation XXXX XXXX months. 

They are reporting a derogatory payment status on a closed account that was paid in full. 
Its reporting as " Paid was past due 30 days '' - This is an fora violation and needs to be updated to the CURRENT payment status " paid as agreed '' or completely removed from my credit report. 

I've included both certified letters that I sent and a copy of the report showing the inaccurate information Experian is reporting.