davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

Hello, I recently received forgiveness of my student loans through PSLF. My loans should have been forgiven years ago. When I consolidated in XXXX, it was a person over the phone who consolidated over 20 loans. I expected my loans to be forgiven after I met my obligation and was told I did not consolidate correctly. The government did my consolidation ( over the phone- before you could go online to do it yourself ). So, I was a candidate for XXXX. After a fair amount of difficulty, I finally got the letter last week indicating forgiveness. Yay! After all of these years as a public servant. 

The problem is I overpaid by 32 payments and they will not refund my overpayments once again because of rules they made up. So some people will get it all back, others none. Also, I paid {$2000.00} through the XXXX until XX/XX/XXXX when I launched this application and realized it was likely to go through this time. I expected I would get the money back through XXXX. I reached out to their servicer, Mohela, today. They will no longer consider giving me my money back now because they have XXXX my loans. Whereas before they XXXX my loans, they " may '' have returned it ( I paid from XXXX XXXX XXXX so yeah, entitled to a refund ). 

Every step of the way, this has been a dishonest, difficult process lacking in transparency. Seems pretty clear to me. XXXX payments. Refund people. Stop the madnessXXXX XXXX  was signed into law. Pay people back who paid through that period. 
I am actively pursuing legal support at this point. It's not okay, and it needs to stop.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

these multiple attempts to collect multiple debts from accounts posted on my credit file from XXXX XXXX {$360.00} acct number XXXX {$51.00} acct number XXXX {$1500.00} acct number XXXX {$630.00} acct number XXXX have all been fraudulently reported on my credit file i do not own these debts and there has been no validation from either company i did not accure these debts NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-01-29
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. (TX)

this XXXX energy account XXXX is reporting on my credit file as oweing debt in the amount of {$1500.00}. 

i previously disputed this account for fraudulent activity, this debt does not belong to me i have not signed any contracts with XXXX XXXX inorder to accure this debt. 

when i previosuly disputed this account i have not gotten any proof or validaton that this debt belongs to me .i have not been provided any documents or anything validating that i opended this account, i did not authorize txu energy to furnish this account in my name to start accuring charges that are now delinquint.

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.

b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately
Consumer complaint received 2020-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK (CA)

Hello CFPB, Thank you for reviewing my case. I sent the below description to TCF Bank 's loan servicing email ( XXXX ) as directed by a customer service rep, but since sending that message on XX/XX/XXXX, I have not received confirmation in writing that their disputes team was working on my case. I called in to ask if they would confirm in writing and they denied my request, stating this process usually takes 30 days. The below description of events and attachments will illustrate how TCF made the mistake ( s ) and 30 days is not acceptable for processing as my family needs to refinance our mortgage now, not later. 

Dear TCF Bank, I am unable to move forward with the refinancing of my current mortgage with XXXX XXXX XXXX because TCF filed two erroneous late payments with all three credit bureaus after I had received formal notice of my TCF account being successfully closed and paid in full. Please see attached Credit Report ( first two pages only and I have blacked out my SSN to protect my PII ). The purpose of this email is to have TCF remove these late payments from my record with all three credit bureaus and respond to me in writing that these late payments were reported in error. My loan was paid off in its entirety in XX/XX/XXXX, and I have attached two notices ( email from XX/XX/XXXX with XXXX XXXX 's signature and mail from XX/XX/XXXX with XXXX XXXX 's signature ) indicating the loan was paid off in full and closed, yet TCF reported late payments in late XX/XX/XXXX and in XX/XX/XXXX. I have attached all the evidence that will be required to move this forward quickly and easily. I know this is a simple mistake by TCF and it shouldn't be a big deal, but it's having a large impact on my household financially. I hope we can remedy this situation very quickly without my having to file complaint with the consumer finance protection bureau ( obviously that's what I'm now forced to do ). 
Attached email notice from XX/XX/XXXX of closed account Attached mail notice from XX/XX/XXXX of closed account Authorization to close line of credit on XX/XX/XXXX when I started the process of making final payments and closure of the account. 
Please note that I copied all individuals on the above email that had either signed off on the closure of my account or reached out to me in XXXX and XXXX about this mistake but neglected to ever mention that I was in threat of having late payments reported to the credit bureaus. 
Again, I am trying to refinance my mortgage immediately to take advantage of the low interest rates, which could really help my family during COVID. Immediate attention to this issue would be greatly appreciated. 

Please send back receipt of this email, contact information for individual that will investigate this case and stay in touch with me, and an estimated time for completion. 

Thank you, XXXX
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (PA)

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 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Consumer complaint received 2023-01-30
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. (CT)

This complaint is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there are still items that are reporting as inaccurate and incomplete information. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within 30 days. I am seeking your assistance in the verification of the disputed data from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

Complaint : Previous complaint file number XXXX follow up. 
Denied by PNC, new input is as follows ; There was a signature card was on this account. said checks were in numeric order, drawn at another bank. with an increase in funds drawn from a small amount to a larger amount and should have alerted thee bank to fraudulent activity. being that the checks were cashed at another bank it created a lag time in the reporting process for the account holder. Nonetheless, fraudulent activities should have been caught by PNC had they been using the tools at their disposal to detect fraud diligently.
Consumer complaint received 2023-01-30
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. (TX)

these multiple attempts to collect multiple debts from accounts posted on my credit file from XXXX XXXX {$360.00} acct number XXXX {$51.00} acct number XXXX {$1500.00} acct number XXXX {$630.00} acct number XXXX have all been fraudulently reported on my credit file i do not own these debts and there has been no validation from either company i did not accure these debts NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-05-20
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: CORELOGIC INC (MD)

On XX/XX/2020, I was discussing a HELOC with XXXX XXXX XXXX XXXX. As I was completing an application a representative emailed me to ask permission to pull my credit. I responded and stated that I was concerned that pulling my credit would result in a hit to the credit score, and so I only would authorize that if I knew that I would at least have the necessary  documentation available to complete an application. Specifically, I asked if paycheck stubs were needed, because I knew that I could not obtain them from my employer due to the COVID 19 situation. 

The representative checked, and confirmed that the application could be processed without those documents. The bank then directed its agent, Credco, to pull my credit. 

On XX/XX/XXXX, a loan processor asked for the paycheck stubs. When I forwarded my previous correspondence, they responded by saying that their representative had made a mistake. 

I contacted the credit bureau and disputed the credit pull, but they claimed that the report was accurate because it reflected an actual ( if unauthorized ) hard pull. They advised that if the pull was unauthorized, I needed to dispute it with the requestor. I contacted XXXX ( XXXX XXXX ) and asked that it direct Credco to reverse the hard credit pull, but they claimed that they had no influence over Credco. I contacted Credco to dispute the credit pull, but they did not respond.
Consumer complaint received 2020-05-20
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)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report
Consumer complaint received 2023-01-29
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. (TX)

this XXXX XXXX  account XXXX is reporting on my credit file as oweing debt in the amount of {$1500.00}. 

i previously disputed this account for fraudulent activity, this debt does not belong to me i have not signed any contracts with XXXX XXXX inorder to accure this debt. 

when i previosuly disputed this account i have not gotten any proof or validaton that this debt belongs to me .i have not been provided any documents or anything validating that i opended this account, i did not authorize txu energy to furnish this account in my name to start accuring charges that are now delinquint. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have loan with ACHIEVE PERSONAL LOANS. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
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. (MS)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$420.00}
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (MN)

On XX/XX/2023 someone accessed my account with chime, a division of XXXX XXXX XXXX, and made an unauthorized transfer of {$800.00} to a temporary email ( XXXX ) at XXXX XXXX  central time. I filed a dispute with Chime at XXXX XXXX central time and was alerted of a decision of denial within a hour. I called chimes customer service back and requested my dispute to be reopened. On XX/XX/2023 I was once again told my dispute was denied due to no error occurring. I have requested copies of the documents chime has that were used to determine the outcome of my dispute. I have copies of the emails alerting me of the transfer ( s ).
Consumer complaint received 2023-01-27
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. (NY)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX, XXXX. XXXX XXXX : {$0.00}
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had my wallet stolen on XX/XX/2020. The loss was reported to Capital One immediately the same day. There was a fraudulent charge of {$120.00} on one of my credit cards with Capital One. 

On XX/XX/XXXX I received a letter from Capital One that my dispute was denied. 

On XX/XX/XXXX I called the Capital One fraud department and spoke to a supervisor there named XXXX who advised me to send a letter and my police report by fax for a reconsideration. I faxed it that same day. I did not hear a response back for two months. 

I have resent the fax to XXXX XXXX in the fraud department at the fax number in the letter. 

I have sent Capital One the police report, a copy of my credit report showing all my credit card account numbers were changed as a result of the theft, another credit card which had fraudulent purchases on the same day reversed, and a copy of my bank statement with reversed debit card charges at the exact same place of business of the disputed charge on the credit card. 
They still have not reversed this fraudulent charge.
Consumer complaint received 2020-05-20
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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