davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

I am filing this formal complaint with your office as well as sent a complaint to the Mohela Ombudsman, and also sending complaints to the SC XXXX XXXX XXXX XXXX, Federal Student Aid, SC XXXX attorney general as well as my congressional representative. 

As of XX/XX/2022, I have reached my one-hundred twentieth ( XXXX ) payment in the Public Service XXXX XXXX XXXX XXXX For more than XXXX ( XXXX ) years and a total of one-hundred XXXX ( XXXX ) payments, I have worked tirelessly to maintain the correct payments, maintain those payments on time, and submitted the correct Forms year after year required to remain in the Public Service XXXX XXXX XXXX XXXX Now, today, on XX/XX/2022, at what should be a celebratory and happy time for me, I have spent over XXXX ( XXXX ) hours on the phone with Mohela representatives trying to get a simple letter indicating the facts stated above : That as of XX/XX/2022, I have reached payment number one-hundred XXXX ( XXXX ), and therefore my loan will be submitted to the Department of Education for XXXX XXXX XXXX However, I am simply being told, " Sorry, it might take up to XXXX ( XXXX ) days for us to even verify your employment, before even submitting your loan. '' Not to mention, they tell you in the most condescending way possible. If Mohela was going to service XXXX loans, they should have been prepared for this very scenario. Not only does it take HOURS to even reach someone on the phone initially, but once you do, they are not at all helpful and couldn't care less. Up until this last leg of my loans, I have been serviced by XXXX XXXX and never once did I have any of these issues. 

The purpose of my request for a formal letter indicating I have reached my one-hundred twentieth ( XXXX ) payment in the Public Service XXXX XXXX XXXX XXXX XXXX because I am in the process of purchasing a new house. This letter will allow the Mortgage underwriter to exclude from my debt ratio the balance of these Federal Loans. Reaching this point in the XXXX XXXX XXXX XXXX XXXX is a milestone that Mohela employees should go out of their way to expedite processing. XXXX XXXX employees take very low-paying jobs all while serving their communities and in some cases, like mine, risking their lives on a daily basis. Instead of being of assistance, Mohela is operating as if they don't want to process these loans for forgiveness. 

I am requesting a response to this complaint. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (VT)

I opened a Citibank XXXX Checking account on XX/XX/22. Since then I have connected my direct deposit to the account, and have used the account to pay various bills and make any transfers needed for an upcoming move. As far as I am aware, I have not violated any terms of service with Citibank. Today I received an email stating that my account will be automatically closed within 60 days due to violated terms, however the violation itself was not stated. My account is now locked, and I have zero access to my funds. I have spoken with multiple reps across different teams and no one will tell me anything. As expected, I am rightfully XXXX, and need my account reopened expeditiously. Please assist, if possible.
Consumer complaint received 2022-07-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please thank you
Consumer complaint received 2022-07-28
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. How many letters and how many complaints will it take me to have Experian take action and have the disputed account corrected on my File? Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXXXXXX XXXX XXXX Late Date XX/XX/16
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

The finance company that I purchased my car from sent me a letter stating that the loan was paid in full and that they have released their interest in the loan. I sent the documents they sent to me to all three credit bureaus certified mail and received a response that the information on my report was correct.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc. (MD)

XXXX XXXX XXXX keep reporting interest on a charge off account. U have requested a debt validation which was ignored. Every month Im billed interest rate on a closed account. Ive tried disputing with credit bureaus and always comes back as verified. This account reporting is deceitful and need to be checked out asap. This company has already had finalized deal with my insurance when I had an accident with supposed vehicle.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (OH)

Recently a debt was added to my credit report, the original creditor was XXXX, but it has since been transferred to a debt collector, CKS Prime investments. However, XXXX, formerly known as XXXX is the company that's actually collecting on the account for CKS Prime Investments. 

I agreed to a settlement offer of {$500.00} and started making payments to XXXX as instructed, to date, I've paid {$160.00}. Upon checking my credit reports, the amount reported as due in collections is actually {$470.00}. I asked XXXX why there was a discrepancy, they advised I reach out to CKS Prime Investments. I've reached out to them XXXX, and left XXXX voicemails. They refuse to return my call. 

Moreover, XXXX has reached out to them on my behalf in XX/XX/XXXX, and XX/XX/XXXX. CKS Prime Investments has not returned their request either. If the amount to be collected is {$470.00} why is CKS Prime Investments reporting to XXXX that I have to pay more? They are obligated to report accurately. 

Because CKS Prime Investments are delaying communication, XXXX has halted my settlement offer until they get an precise answer. I want to get this off my report.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have noticed the following on my credit file XXXX XXXX Bankruptcy These are not mine. They are either a result of identity theft I have experienced or an error. Please remove immediately and do not report again.
Consumer complaint received 2022-07-28
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of theFCRA you are required to... promptly CORRECT all information which can not be verified.Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXXXXXX XXXX XXXXXXXX Late Date XXXX
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (VA)

My Loan was sold to Shellpoint Mortgage around XXXX of XXXX. Since that time I have been unable to access my online account after multiple attempts over the past several months dealing with there Costumer Service. The fact that I am an Essential Employee working 12+hrs per day ( Out of State ) in an industry that is vital to Our Health and Environment, it is often hard for me to spend the necessary time Shellpoint requires with hold times, misinformation and unknowledgeable customer service at times. Their customer service has been little to no help with any major or minor issues, and no access to escalate a call or issue to be expedited. Your only options are to send emails to departments and wait for a response that seems to never come. Ive been relying on the pay by phone service to make all of my payments with Shellpoint mortgage. On XX/XX/XXXX and XX/XX/XXXX of XXXX when I called to make a payment the automated system showed a XXXX balance. I discounted this as I must have already paid my balance earlier in the month with the payment that was made in the middle of XXXX. I thought nothing of it until I called in XXXX to make my next payment and it showed two payments due. I immediately paid both and called customer service the following day. On XX/XX/XXXX a the representative I spoke with told me that everything was fine and nothing was going to be reported to my credit. On XX/XX/XXXX I received a notification that Shellpoint had reported the missed payment to the credit bureaus. On XX/XX/XXXX I contacted Shellpoint who said I can only email the loan servicing department at Shellpoint with my dispute, and wait for a response from them on the matter. I have yet to receive anything other than a confirmation they received my email that says Do Not Reply. I have contacted costumer service twice in the last two weeks to try and resolve my Online Account issues again. They submitted my issues to there IT department, and stated that there is an issue with my account that IT needs to debug. I still have not been contacted for that issue. My bank, as of XX/XX/XXXX, stated that Shellpoint has not even updated my payment status with the credit bureaus since XX/XX/XXXX. I called and spoke with a representative who said she was sending a request to have that looked into also. This company has falsified information on numerous occasions, and will not correct/update my credit report. This has been my worst experience with a mortgage company in the past 14 years.
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. (CT)

In accordance with the fair credit reporting act XXXX XXXX  XXXX account # 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-28
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2020-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (TX)

speedy Cash would not stop renewing the loan. I was told my payments would not go towards paying off the loan because I was " current ''. Rep at XXXX XXXX, tx location said I would have to default first before the corporate office would speak to me about making sure payments would go to pay off loan. This forces consumers to keep paying monthly amounts without getting anywhere. Then if you default you may or may not be able to work with corporate office. This resulting in negative reporting on your credit report. Speedy Cash also hurts people by falsly reporting " open '' account status so it continues to look like a new credit ding and uses collection agencies to do the same. Doing this does not let the account age and has a severe continuous monthly impact on credit.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Upon noticing a drastic drop in my credit score of XXXX points all at once I pulled my credit reports and found 2 Unauthorized Hard Inquiries added by Capital One on two separate dates ( XX/XX/2022, XX/XX/2022 ) The fraudulent imposter failed to include my correct address, Instead he used a mix of my current address and one of my past addresses that together results in an address that I have never been associated with at all never received mail nor lived there. 
The Fraudulent Imposter used My name and possibly my social security number in attempt to obtain Credit from the below mentioned lender. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX This operatic fraudulent action has negatively affected my credit score after many years of carefully tending to it and improving it.
Consumer complaint received 2020-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (PA)

On XX/XX/2020, the debit card company, Direct Express, which handles my SSA funds, allowed a fraudulent charge to pass through them. I reported this to the company that day and ordered a new debit card. They, and I, had to wait 5 business days for the " pending '' status to close ( keep in mind the $ was already removed ), at a total of {$310.00}. The company which withdrew the $ is called XXXX and is located in XXXX, XXXX. The debit card transaction line is ridiculous. Hold for usually hours, and usually get hung up on 'accidentally '. On XX/XX/2020 they closed it and the $ was redeposited. On XX/XX/XXXX, however, they allowed the same company to do the same thing with my old debit card # and took the $ from the new. They refuse to give me their address to write a hardcopy letter to them for myself as directed by many sites regarding fraudulent debit card activity and which would also allow me to file a complaint with law enforcement. It's now XX/XX/XXXX. They told me on the XXXX that now I must file a report with them and that they were sending out a time-sensitive packet that I must complete and said that it would arrive within 3-5 days. It has not arrived and this information they 'need ' is due in days. I do not know who to turn to and I honestly need this $ returned. I can't even buy my medication or any necessity at present because of this fiasco. Can you please help me?
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE.THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT FILE. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.
Consumer complaint received 2024-09-02
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. (IL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.