davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax, put and XXXX XXXX on my credit report without my consent. I sent them and copy my social security card # my Driver License #, my XXXX. I did everything that Equifax asked me to do and they still kept a Fraud Alert on my credit. Also I got and email from XXXX, on XX/XX/2022 at XXXX am saying the they place and XXXX alert on my credit. I did ask XXXX to place and XXXX XXXX on my credit,. I spoke with two XXXX agents on Friday XX/XX/2022 and aske if I have and Freezes and Fraud Alert on my credit and the agent confirmed that I had no Alerts or Freese on my credit. I also called XXXX and was told the same result that on alerts or freezes was on my credit. I was trying to get cell phone carrier XXXX XXXX XXXX and when they ran my credit it's and hold on my social security number my credit won't go though. I have been going though this for two weeks. Now XXXX want 's me to write to them to have the XXXX XXXX removed that is not fair to me when I didn ; t ask them to put the alert on my credit. Please help me XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Hi, a while ago I contacted Mohela to request my deferment be removed. I was told that I could not do that because I was still in schoool. Mohela gave me the runaround multiple times so I moved to XXXX XXXX. Now Mohela is handling PSLF so I have no choice but to use them as my servicer. I am trying to remove deferment retroactively to XX/XX/XXXX. Payments were paused around that date and since that point payments were {$0.00}. 
Mohela gave me bad information and I have since learned that XXXX WAS allowing PSFL eligible people to retroactively remove deferment for this reason. I didn't take out more loans since before XXXX, so I wasn't adding to my loan balance. I want to get credit for the payment pause toward PSLF as I had asked previously. 
Mohela is also not showing my dates correctly now -- all of my loans show as XXXX but I stopped needing to take out money to pay for graduate school much earlier than that. My old messages are gone from Mohela as it shows they delete messages after 12 months. But I DID contact them with this request. 
Also, they sent me a tax statement claiming I had paid over $ XXXX in interest last year which I had not done. All I had done was move to XXXX XXXX. 
I know these are multiple issues, but the one I'm most concerned with is why they claimed I couldn't take deferment away while still enrolled in graduate school to take advantage of the {$0.00} payments counting toward PSLF. 
I do have record of correspondence with Mohela dating back to XXXX wanting to update my status, but do not have the emails since Mohela deletes them and they don't send the content of e-mails in their notice of a new message. 
Please feel free to contact me with questions. I really hope I can get credit for those payments since I did ask them to remove it.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (PA)

I have tried to get these items corrected with the credit reporting agencies back in XX/XX/2022. I recently noticed that they still have not deleted the items i reported to them that were wrong. I am requesting again that these items be deleted from my credit report asap. because they are hindering my mode of living and causing me from getting a mortgage. I have reported this to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX. 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. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

In XX/XX/XXXX, there were allegations of fraudulently account activity regarding payments to the account. Exeter Finance refused to investigate all the payments applied to the account. Exeter Finance allegedly not applying interest paid on the account throughout the duration of the loan. This was brought to Exeter 's attention and they did nothing to investigate or correct the account payments. 

At this time, was notified that XX/XX/XXXX the car will be paid off in full. We had a discrepancy on the loan terms. I agreed to 5 years or 60 months. Exeter terms were 8 years or 84 months. I requested a copy of the signed contract on the date of the sale. Exeter never sent me a copy of a original bill sale with terms. 

During this time, I could not get a record of all payments and other transactions, So, I went through my records and came up the total payments as XX/XX/XXXX was approximately {$29000.00}. When the purchase total was approximately {$23000.00}. 

Another discrepancy, According to Exeter as of XX/XX/XXXX, total balance owed on the account was approximately {$23000.00}. After 4 yrs and 5 year terms, I still owe the purchase price of {$23000.00}. This did not make any sense to me. Exeter refused to send me a copy of a signed contract on the date of sale, which was XX/XX/XXXX. Exeter prohibited copies of all payments made to the account, and request for payments made at the time of repossession. They never sent the documents. In XX/XX/XXXX, I refuse to continue making payments to the account because of their accounting practices on how payments were posted. In XX/XX/XXXX, Exeter reported the vehicle as a repossession. After I sent them a copy of all the payments, fees, and other payments totally over {$29000.00}. Exeter never returned documents requested. It may word against Exeter.

Today, Exeter send a document saying I still owe them {$18000.00}. After 2 years of silence or contact.
Consumer complaint received 2021-07-06
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. (NC)

To someone who can help me, I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help in this matter.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

THE CREDIT REPORTING AGENCY   XXXX  ,  XXXX   XXXX  AND EQUIFAX WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF MY CREDIT FILE
Consumer complaint received 2022-09-04
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. (NJ)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-07-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Portfolio Recovery Associates # XXXX, XXXX XXXX : # XXXX, XXXX Portfolio Services : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, However, they stated everything was complete and accurate. I have not talked to them by phone or in person about the debt, or electronic communication about the debt, nor have I received a validation notice. I do not recognize these accounts are reporting on my credit report. I do not recognize the account numbers. I do not recognize the account statuses. I do not recognize the account high balances, nor do I recognize the late payments associated with it. everything reported does not meet the FCRA But that is not possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent 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. 45b The Act generally makes provisions of form contracts between sellers and individual consumers void from inception if the provisions : ( 1 ) prohibit or restrict individuals from reviewing sellers goods...

15 U.S.C. 41-58, as amended The Federal Trade Commission Act is the primary statute of the Commission. Under this Act, as amended, the Commission is empowered, among other things, to ( a ) prevent unfair methods of competition and...
Consumer complaint received 2023-02-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update or correct the following inaccurate information that is hurting my credit. 
XXXX XXXX XXXX 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/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-16
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)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX 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 To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX  has repeatedly communicated with me both directly and indirectly by duress and coercion. My vehicle was repossessed which they had no right to do as there is no UCC filed meaning no lien is present. Theyve sent multiple correspondence lowering the price in order for them to remove. They went as low as requesting me to pay {$2000.00} and they would delete and remove because they are aware that I truly owe them nothing. The car was paid for at the consummation of the transaction to which I had no awareness. The contract was also subject to arbitration to which XXXX XXXX  failed to comply by and illegally and unlawfully repossessed my car and still trying to purchase the debt.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation. Please remove it as soon as possible.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (GA)

I have a Suntrust XXXX XXXX XXXX and for the last 2 months the amount due shown in the credit card app has been incorrect. I have paid the amount due on time and have been charged a late fee each month. The representative this time has indicated that I can not trust what the app says and that I need to pull my statement and pay what it shows is due on the statement. They have not been able to provide any explanation for why the two amounts do not match. After the first months issue, I did call the customer service line on XX/XX/23. I was told my account still reflected a {$40.00} balance and that it was incorrect. They said the payment had been misapplied and a form was being submitted to fix the issue. I was provided submit ID XXXX. I was told not to make the {$40.00} payment. On XX/XX/23 I was charged a late fee. On XX/XX/23 I called customer service again. I was told the previous rep was incorrect, and I needed to make the {$40.00} payment. I made the payment on the phone with that rep immediately but was told they could not waive the late fee. I then made my XXXX payment as represented in the app. On XX/XX/23 I was charged another late fee. On XX/XX/23 I called again and was told that the amount I needed to pay was actually {$170.00} not {$40.00} and they could not waive the fee even though I was provided incorrect information. I have filed complaint # XXXX. Suntrust is deliberately displaying incorrect minimum payment information to the consumer in their payment app in order to defraud the consumer and charge illegitimate late fees. And then they are falling back on the consumers need to review their statement for accurate minimum payment info.
Consumer complaint received 2023-07-26
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2017-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (OH)

In   XXXX   XXXX   XXXX     mariner finance sent me a check that I could deposit and would be a loan. At the time my son was in the middle of a divorce and needed money so I borrowed it and he was supposed to pay it.     I gave him all the information and he was supposed to pay it. I found out he had n't paid it as promised so I tried to call them to get the information I needed to make payments on line. I am  XXXX  so getting to the store was n't an option. I called and left detailed messages no less than  XXXX  times without a single return call.     they filed suit in  XXXX , in the suit they put down an amount higher than the principal I had borrowed, and when I paid it off they had the whole balance listed as principal, when I asked how the balance was broken down they would n't tell me. I have no idea what I paid or if they compounded interest. I also noticed they collected more than what they filed suit for and I never got a square answer about that, they just said do n't pay it and deal with out lawyer and the court. very unprofessional.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In 2015 I was involved in a scam where I was given fraudulent checks and asked to deposit them and subsequently send the funds to someone via XXXX XXXX. This situation was extremely disheartening, I filed a police report and I lost a significant amount of money in the tune of over {$5000.00}. The issue regarding this situation as that I walked into the bank and deposited the check. The teller took the check for an extended period of time and proceeded to deposit it although it was fraudulent. There were funds in my checking account temporarily and then I was scammed out of the entire amount of the check. I spoke with several representatives over the phone and I explained the entirety of the situation and I was told over the phone by a representative verbatim that they would give me my money back from the transaction and that promise was inevitably not honored.
Consumer complaint received 2021-12-16
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. (FL)

This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. XXXX XXXX responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. XXXX XXXX never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : Experian, XXXX and XXXX. The results of my disputes were that XXXX XXXX RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while XXXX XXXX defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with XXXX XXXX written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.