davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NJ)

Ever since Mohela took over my loan it has been a comedy of errors. To add insult to injury just as payments returned after Covid funding ended, they decided to change their system. I started receiving notices that my account was in arrears via email. I called them and spend multiple hours on hold for them just to hang up on me. 

I finally was able to get someone on the phone, and setup my " new account '' along with setting up an autopay function with my checking account, and made a single payment. Wouldn't you know it, the auto pays are not happening, and I can not get into my new account. I can enter the old account, but not see payments since it tells me that I am in the process of being transferred to their new system. I already did this!!!!!!! 

When I attempt to create a " new account '' it says that I am not in the system. If I try to use forgot password, it says that I do not have an account. I tried all email addresses that I have, and get the same thing. It is and remains a Sisyphean XXXX in dealing with bureaucracy. 

I have once again tried to get someone on the phone to fix the issue, and spent multiple hours on hold after going through the labyrinth that is their phone system. The last time I was on hold for over 4 hours in my place of employment in the background. I heard someone pick up the phone after the 4 hours, and I could clearly hear a conversation and laughing in the background. They promptly hung up the call after a few seconds. I spent another subsequent hour on hold after that, and I had to return to my job. 

At this point I am considering suing Mohela for damage to my credit report due to their lack of professionalism, and inability to even deal with simplest of requests by consumers of their product. 

Please end this XXXX!
Consumer complaint received 2022-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Re : Reinvestigation and NOTICE OF DEFAULT AND OPPORTUNITY TO CURE WITH THE INTENT TO SUE FOR DEFAMATION. The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999. Because of your data breaches, along with your inaccurate incomplete reporting of my nonpublic personal information, you have FAILED in your obligations to protect me as a consumer/natural person. You say that you verified these negative inaccurate items that are still listed on my consumer report. I want to know HOW were they verified? What was the method and or process of your re-investigation? 
Who did you speak with? 
What is their job title and/or position within the company? 
What is the address where they are located? 
What is their direct phone number? 
Where are the documents including accounting ledger and contract?
Consumer complaint received 2022-11-08
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. (PA)

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I contacted XXXX XXXX in attempt to notify of my current XXXX XXXX XXXX movement during my XXXX. I was on restricted movement traveling and had minimal access to phones and internet. I was charged late fees and my credit report was marked with a 30 day delinquency. Ive been trying to resolve this issue and am being told that there is nothing they can although the account is current.
Consumer complaint received 2022-11-08
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. (MI)

This is a notice of dispute for XXXX XXXX XXXX ; account # XXXX. Whenever Equifax prepares a consumer report it shall follow reasonable procedures to assure XXXX possible accuracy of the information concerning the individual. This notice is to inform Equifax that the accuracy of the information as it pertains to me has been compromised and Equifax must delete this account. 

I have disputed the alleged debt and requested debt validation. XXXX has failed to provide evidence that I owe them a debt. XXXX has used my nonpublic private information in the creation of this account with the intent to coerce payment from me for an alleged debt that is not owed to them. XXXX provided deceptive statements from XXXX XXXX XXXX XXXX that contained two different account numbers. XXXX has received my notice to cease and desist ( see attachments ) yet continues to furnish inaccurate information to my Equifax consumer report. 

Equifax must exercise their grave responsibility with fairness, impartiality and a respect for the right to privacy. XXXX XXXX XXXX has violated my right to privacy by purchasing my nonpublic private information without my consent. Equifax is REQUIRED to adopt reasonable procedures for meeting the needs of commerce for consumer credit with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. Therefore, Equifax is required to DELETE this account. XXXX has furnished Equifax with inaccurate, irrelevant information, and has improperly used that information to harm me. 

XXXX can not furnish any information relating to me, to Equifax or any other consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX knew and had reasonable cause to believe that the information was inaccurate by failing to validate the alleged debt, sending me deceptive statements, and continuing to communicate with me after they received my cease and desist notice ( see attachment ). 

The completeness and accuracy of information furnished by XXXX to Equifax was disputed directly with XXXX by me so that XXXX may not furnish the information to any consumer reporting agency without notice that the information is disputed by the consumer. XXXX failed to provide notice of dispute by consumer to Equifax both after they received my dispute and multiple times after the account was updated both during the validation period and after the cease and desist notice was received.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (IL)

XX/XX/XXXX got a email from chime Bank saying that XXXX recouped money out of my sons account that passed away on XX/XX/XXXX I was trying to close his account I called XXXX and they did not take any money from him. He was not on XXXX. I asked Chime again what happened the money and asked to send me a copy of the paperwork and now they are not responding to me My son had {$690.00} and {$270.00} in credit builder account. They sent me a check from XXXX XXXX for {$160.00} which I will not cash cause it is not correct
Consumer complaint received 2022-12-09
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-08
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. (ID)

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. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-15
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. (SC)

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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (OK)

I deposited a check written to me by my fianc four months ago. The funds left his account in my account was locked. I have not been able to receive these fun summing up to {$6000.00}. when I go in the branch, they say theres nothing they can do and to call XXXX. When I call, they tell me I need to go to a branch and its just a never ending cycle of people telling me theres nothing they can do. My money has been locked for XXXX months. All my credit cards are maxed out and this is my rightful money. Regions refuses to give me more information or even submit a ticket request and tells me to wait with no details of what I am waiting for.
Consumer complaint received 2022-11-08
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. (NY)

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 XXXX-Open XXXX XXXX XXXXOpen dateXXXX XXXX XXXX-Open date XXXX XXXX-Open date- XX/XX/XXXX XXXX XXXX-Open date XXXX XXXX XXXX ( Original Creditor : ( XXXX XXXX XXXX XXXX ) Open date XXXX XXXX ( Original Creditor : ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) -Open date XX/XX/XXXX 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information or any other adverse item records of convictions of crimes that antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I trust this letter finds you ready to address a matter of significant urgency concerning the integrity of my credit report. However, given the gravity of the situation, trust and patience are virtues I can no longer afford. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I recently obtained a copy of my credit report and was appalled to discover the presence of blatantly fraudulent accounts that have maliciously marred my financial standing. The accounts in question, detailed below, are utterly fictitious and were not initiated or authorized by me : XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

Let me be unequivocally clear : I did not open, request, or participate in any financial dealings with the aforementioned creditor. These entries are the result of a malicious act that has compromised my identity and wreaked havoc on my financial reputation. 

I demand an immediate and exhaustive investigation into this matter, and I insist that you take swift and decisive action to purge these fraudulent accounts from my credit report with immediate effect. The impact of these spurious entries on my creditworthiness is not only a gross violation of my financial standing but also an egregious affront to the principles of fairness and accuracy that should define the credit reporting system. 

I expect nothing short of an aggressive pursuit of the truth and an unwavering commitment to rectifying this grave error. The clock is ticking, and the longer these fictitious accounts persist on my credit report, the greater the damage to my financial credibility and the more severe the consequences for those responsible. 

I demand a written response within 15 days outlining the steps being taken to rectify this situation, as well as a detailed plan for the swift removal of these fraudulent accounts. Failure to meet this deadline will leave me with no choice but to pursue legal remedies available to me under the Fair Credit Reporting Act ( FCRA ). 

This is not a plea for your assistance ; it is a demand for the immediate restoration of justice and accuracy to my credit report. I trust that you comprehend the urgency and severity of this matter and will act accordingly. 

I await your prompt and decisive response.
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (SC)

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 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I paid off my credit card bill with Bank of America with the paid in full option on XXXX of 2022. I got a letter a few months later saying I needed to make a payment, they had added some charges on to the bill and said they would collect a late fee. I called and spoke to a representative and then they said they would waive fees. I got an email notice this month in XXXX that I still had a balance due and tried to log on. Somehow I had an over XXXX balance. I am not able to log into the account even having the proper credentials. I changed the password and then I will still am unable to log into the account. I am not sent statements and I am not able to log on to see the balance.
Consumer complaint received 2022-11-08
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. (TX)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX -- Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX  -- Account number : 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-08
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX
Consumer complaint received 2024-03-08
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2022-11-08
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. (NV)

I looked into my Experian credit report to try and figure out why my score was so low. I found an unpaid auto loan account with " XXXX ''. 

The account no. was shown as XXXX, opened on XX/XX/15, and was shown as a joint account with a person named XXXX XXXX. 

I have never done any business with XXXX, and I do not know any person named XXXX XXXX.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.