davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
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)

I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. US DEP ED XXXX {$11000.00} XXXX   XXXX {$610.00} XXXX  XXXX {$460.00} XXXX  XXXX {$570.00} XXXX   XXXX {$1000.00} XXXX XXXX {$390.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX   XXXX {$280.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX / {$8900.00} XXXX XXXX XXXX
Consumer complaint received 2024-11-27
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IL)

IC System has attempted to collect on a debt REPEATEDLY that they have not validated, even through they were sent a letter of validation on XX/XX/XXXX, they have continued to report negatively to my credit profile. 

My current report has a listing and/or listings, in which, has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ). I am writing to request validation of the debt referenced in your correspondence dated XX/XX/XXXX and XX/XX/XXXX in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter serves as a formal request for verification of the debt, and I request that you provide the following documentation : 1. **The original contract or agreement** between myself and the original creditor that establishes the debt. 2. **A copy of the assignment contract** ( or written agreement ) that evidences your legal right to collect on the debt. 3. **A complete statement of the account**, including the amount of the debt, the date it was incurred, and any interest or fees that have been added since its origination. 4. **Any judgment or other legal documents** that support your claim to the debt, if applicable. Under the FDCPA, I am entitled to request validation of the debt. If you do not have the requested documentation, or if you can not verify that you have the legal right to collect this debt, please immediately cease all collection efforts and remove any negative reporting from my credit history that is related to this account. Please respond to this request in writing. I look forward to your prompt response. Be further advised that I am closely monitoring my credit profile. Per the Federal Law, you have exactly 30 DAYS to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 

Without even validating this debt, this company has negatively reported to the credit bureaus which has obviously impacted my credit report negatively, and which is a CLEAR violation of my consumer rights, per the XXXX law
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingUSA (GA)

I am submitting a complaint concerning LENDINGUSA ( Account Number : XXXX ) due to inaccurate reporting on my credit report. Despite several disputes, the incorrect information has not been corrected or removed, significantly harming my credit score and misleading potential lenders about my financial history. I have contacted LENDINGUSA and the credit bureaus multiple times, yet no action has been taken to address these errors. The continued reporting of false information is causing me financial distress and limiting my ability to secure credit.
Consumer complaint received 2024-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NJ)

XX/XX/year>, Opened account with M & T Bank. 
XX/XX/year> Transfered money from another account I have and they flagged it for fraud. 
I sent documentation that it was me that performed the transaction. 
Called the bank teller I worked with, she informed the bank was going to 'end the relationship '. 
l even sent in a notarized letter first week of XXXX requesting to jist close the account. 
I have not received the money thay was/in the account back. 
I would like my money returned to me {$2400.00}.
Consumer complaint received 2024-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NH)

I deposited XXXX into the bank, had it up for like 1-2 days, try to withdraw through XXXX they frooze my account, and every time I call they say, your account is under investigation, I will have to disconnect and they hang up on me, I have tried to access with everything I got, they are not helping at all
Consumer complaint received 2023-04-14
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. (NY)

Hi got the following on my credit report which is not known to me. 

XXXX ) XXXX  35 hard inquiries and 2 late payments. 

XXXX ) Equifax 22 hard inquiries and 2 late payments. 

XXXX ) XXXX 18 hard inquiries and 2 late payments All this late payments and hard inquiries are not from me must have been an identity theft of wrong identity case and it is wrongly reflecting on my credit report
Consumer complaint received 2022-06-30
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. (NY)

In XX/XX/2021 I sent you a letter regarding inaccurate and unknown things on my credit report. This letter is in response to your response in my CFPB complaints with closed authorization needed, Is it not clear that I have attached my State ID and Utility bill to certify that is in fact me submitting the disputes. I wrote you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit scoring.
Consumer complaint received 2022-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VT)

Navient claims to have a Tuition Answer Loan co-signed by my father. The documents Navient has sent me claim the loan was disbursed at the XXXX  XXXX XXXX XXXX. I never attended the XXXX  XXXX XXXX XXXX. 

I believe we qualified for the loan, but the loan was canceled on our end at the XXXX XXXX XXXX XXXX student loan office. My documentation for the loan was lost during one of my many moves do to being unable to afford housing. 

I don't recall accepting this loan and the fact that the loan documentation in the hands of Navient incorrect is beyond concerning. 

Further, I just filled out my PSLF forms and it noted none of my loans are in an income based repayment plan. This is incorrect, my loans have been in an income based repayment plan for over a decade. Again, this a failure to properly account for and maintain loans. 

Additionally, I was fraudulently placed and steered into a full forbearance ( not want I wanted or understood ) on my loans during a long period while recovering from a serious XXXX XXXX  that almost left me XXXX. I would also like to note that a Navient employee told me that my wife and I shouldn't have had a child during this process. Just absolutely sickening and vile behavior by Navient and its employees. 

XXXX XXXX XXXX XXXX XXXX XXXX Current Owner NAVIENT XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (IL)

I have tried to look my PNC account to different services, such as XXXX or other external banks for transfers and it will not link. This prevents me from using the services, as I can not transfer any money to or from them.
Consumer complaint received 2019-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

Dear CFPB : I am writing to make a complaint about my loan servicer, Missouri Higher Education Loan Authority ( MOHELA ). Quite simply, I am trying to obtain my loan history dating back to my direct consolidation in XXXX. But MOHELA has been unable or unwilling to provide this information. Thus, I would appreciate your assistance in prompting MOHELA to provide this information. 

Here is a summary of the facts : On XX/XX/XXXX, I submitted a request through MOHELA 's secure message system for all my payments since XXXX. 

The next day, MOHELA replied with an attachment that it claimed was " the financial activity from XX/XX/XXXX through XX/XX/XXXX. '' But it wasn't ; rather, MOHELA sent me an attachment that -- quite strangely -- only covered XX/XX/XXXX to XX/XX/XXXX. Even stranger, the attachment was titled, " Payment History Before Mohela [ sic ]. '' Again, it wasn't. Further, MOHELA indicated they would send a separate message with the payment history from XX/XX/XXXX to the present. 

The same day, XX/XX/XXXX, I replied to MOHELA, explaining that their attachment didn't cover the timeline specified. 

On XX/XX/XXXX, MOHELA responded with the second part of their message. MOHELA write in part, " We apologize for any confusion or frustration this matter may have caused. The attached document lists the payments made during time prior to your loans being serviced by MOHELA. '' This was unresponsive. I was asking for the period from the date I consolidated the loans ( XX/XX/XXXX ) to the present. I don't understand why MOHELA kept reverting back to wanting to provide my payment history before my loans were serviced by MOHELA. No matter, the attachment that MOHELA provided this time was unopenable. 

So on XX/XX/XXXX, I sent MOHELA yet another message simply trying to get the same information. In my e-mail, I wrote in part, " I could not open your attachment. When I tried, it gave the error message " could not open ... because it is either not a supported file type or because the file has been damaged ( for example, it was sent as an email attachment and wasn't correctly decoded. '' Can you please either make the corrections and resent it as a secure message attachment or simply print and mail it. 

From this most recent experience with MOHELA 's customer service, I suspect that the company is still struggling with low service employees, low tech systems, and poor management.
Consumer complaint received 2019-10-27
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: EQUIFAX, INC. (AZ)

The following fraudulent accounts keep reappearing on my Equifax credit report : XXXX XXXX, {$1100.00} account was opened on XX/XX/2015 and XXXX XXXX XXXX, {$2600.00}. The fraudulent accounts has been deleted numerous times from my credit report.
Consumer complaint received 2019-10-27
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: Nelnet, Inc. (AR)

XXXX refuses to remove a federal Stafford loan that was approved for XXXX Discharge on XX/XX/XXXX and met the 3-year post-discharge monitoring period on XX/XX/XXXX. Nelnet, the loan servicer for the U.S. Department of Education stated by letter that the loan would be reported to credit reporting agencies as discharged. XXXX   continues to report the loan as an unresolved dispute, not specified. Furthermore, since the loan was connected to a proven fraudulent student loan history that is massive known fraudulent signatories and a wrong university I never attended, I requested that the loan be removed from all credit reports and not re-posted. Additionally, XXXX   re-posted a phone number that was disconnected more than 3 years ago after removing it and informing me by letter that no phone numbers would be put on my credit report. I asked all credit reporting agencies to not post any phone numbers to my credit reports since I change the number frequently, sometimes 4 times in a month. All credit reporting agencies have compiled with the request to remove outdated, inaccurate information, and also, removed the student loan that is no longer subject to monitoring and thus no longer subject to being reported - every credit reporting agency except for XXXX. The other credit reporting agencies, including XXXX, are reporting correct up-to-date information, no phone numbers, and removed the loan that is connected to massive fraud.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I opened an account with a bank for the sole purpose of getting my bills drafted from the account. I received my stimulus check from the federal government that was issued to me from the federal government. I drove to my bank to deposit the check in my account, which seemed to be a normal process. The following morning my debit card was declined while attempting to purchase my groceries. I couldn't understand why so I checked my account online only to discover that my account was over a half million dollars in the negative, so I called the bank, only to be told that it was normal when there is a hold on a check. I still was confused, considering that it was a check from the federal government. I called my bank where the account was opened, and was told something different, so I called back the 800 number and was told that much check was fraudulent. I proceeded to tell them to let 's contact the IRS since that's who sent it, they didn't care to wan na help me resolve this. They assumed I was trying to get over on the bank. It's seemed a bit odd that everyone I know that received a stimulus check was real, but the bank wants me to believe that the federal government issued a fake check to me, or in the banks words, altered. The bank never even considered a courtesy call or email advising me that there was an issue with my account. Besides, if I passed a fake check that came from the government, I strongly encourage the bank to send the police to muff house with an arrest warrant so we can get the court proceedings on the way. The bank closed my account disregarding my monies that I already had in there. I want my money and my check back!
Consumer complaint received 2022-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CommonBond, Inc. (PA)

I refinanced my loan with Commonbond ( held with XXXX XXXX ) over a XXXX XXXX  ago. In that time I have never failed to make a payment and even paid extra per XXXX. I went back to school in XX/XX/XXXX and entered into a school deferment period that would end when my program ended. 

I attended XXXXXXXX XXXX  in XXXX, XXXX. My final assignment, classes, and time on campus ended as of XX/XX/XXXX however my graduation date is not until XX/XX/XXXX. 

I was contacted about repayment beginning again by CommonbondXXXX XXXX XXXX and was told repayment would begin on XX/XX/XXXX. I applied for post-graduation grace period XXXX XXXX after my end date, and was denied. 

They told me I was denied because " I agreed to instant repayment plan ''. When I said I never agreed to that, they told me that because I didn't call XXXX XXXX of** my graduation, I forfeit the right to have a post-graduation grace period. 

The need to call in the XXXX of my graduation was *never* expressed in my deferment agreement or in the letters/emails they sent that if I didn't call ( from abroad ) the XXXX  of my graduation I give up the right to apply for graduation grace deferment and " agree '' to instant repayment. 

When I mentioned this and that this policy wasn't published anywhere, I was told " too bad, that there was nothing they can do ''. 

It is not only unfair, but surely a legal gray area ( at best ) to create a binding policy that is never covered, mentioned, or agreed to ; but then hold students to the claim " I agreed to start payments immediately ''.
Consumer complaint received 2021-10-14
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( Bankruptcy Chapter XXXX ( 2 ), XXXX, XXXX, XXXX , XXXX, XXXX XXXX , XXXX XXXX, XXXX/XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

XXXXm so depress because paypal closed my account very fast and for no reason. My account to them is new and im not familiar for all the features they have in the paypal apps. I am working as a freelance coach and virtual profesional together with my staff. Im the owner of my company computer technology services world wide. The date i created my account to them is on XX/XX/2022 then i decided to closed account on XX/XX/2022 because of some mistaken information about me and my company. On the same day XX/XX/2022 i decided to try to create new one for my personal account then upgraded to the business account coz i had a true business and i believed that is the right move to grow and to expand also to get know my business better. Then on that date a day after a created my accnt i already getting and receiving payment to my paypal business account for my work and for my company services then suddenly i got some email coming to paypal asking me to upload my identification card also to explain my business. I do answer them and already upload my i.d and sent back to them. A day after after review dated XX/XX/XXXX, i got shock because of the email i received from paypal, saying im no longer do business with them because they said my account is engaged in activity to deceive paypal and its customers. Paypal company accusing me deceiving them and its costumers, why they said that? Im not doing wrong things to get paid by others i am doing very good and right business as per law. If i do wrong things to paypal. please i ask them to give any proof that im doing wrong things or i violated any rules. I am not sure if this is some mistake. Why im here to report this kind of situation. I feel they are not doing their job in the rightful way and its affecting me a nice and great deal as of now. My account still have funds and i can not manage to use it because paypal permanently limit my accnt. I get that money because of my services and not for deceiving anyone like they said to me. My email linked to my paypal account is XXXX XXXX XXXX
Consumer complaint received 2022-03-25
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. (GA)

I've attempted to submit disputes through the mail for several different accounts that don't and never have belonged to me. There are fraudulent accounts from Credit cards to Auto loans that I never applied for. 
I've been trying to get these fraudulent accounts off my credit reports and off the original creditors for years now and they still appear. 
i need my name and credit restored to the accurate status immediately!
Consumer complaint received 2021-08-27
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rapid Auto Loans LLC (FL)

This is a debt I have that I asked the debt owner rapid loans to stop calling me and my relatives a A cease and desist. They are continuing to phone everyday and text me as well as email me. Now the other day XXXX recalled me from rapid loans then emailed me afte tried explaining to him that I sent A cease and desist written as well as text as well as email. He explained to I broke the law that committed felony and that he was going to report me to the cops since I didn't work out a Payment option. I explained to over and over and says he keep writings me and give this information over to the police. He called me a fraud person. He told I intended to do this on purpose. My add on XXXX says has lean on it why they only gave me XXXX for the csr it alot body damage to it. Now man from rapid loans call me criminal and Threaten me to Have all the emails still from him as well
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Checked credit report after being diagnosed as XXXX and forced to retire. Saw on TransUnion, that XXXX was reporting my student loans as adverse and unpaid. When I became XXXX in XXXX of 2018, I contacted XXXX for a forebearance extension, because of my XXXX. They advised that I contact XXXX to have my loan forgiven due to my XXXX, and they told me XXXX would take over the loan. Contacted XXXX at XXXX. Was advised that I no longer had to make payments on the loan, they would notify XXXX, and XXXX now had the loan. I would now enter into a 3-year probationary period with XXXX, and after 3 years, my loan would be forgiven. But XXXX is reporting my loan with TransUnion as adverse and closed for non-payment. I filed a dispute with TransUnion online, which they say never happened, I have a TransUnion File #, and filed with them over the phone as well as mailed documents. They sent a letter back advising that they investigated it for 1 day, and changed the status as transferred to another office. I have documents to include, please. Why take this action against me because of my XXXX. I never asked to be XXXX. I just want to get back to work, which will never happen, and now XXXX and TransUnion work together to trash my credit.