davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I currently have federal student loans that were transferred to MOHELA. They are federal loans that qualify under the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. I have beee enrolled in this program for over XXXX  years at this point. 

My XXXX qualifying payments ( XXXX  years ) have been completed as of XX/XX/XXXX. Prior to that I submitted a XXXX  form on XX/XX/XXXX to update my payment counts. This should have updated my count to XXXX. However, almost XXXX months later it still registers as XXXX ( last updated XXXX of XXXX ). I also sent a form in on XX/XX/XXXX that has not been updated either. 

The most recent form I sent in was on XX/XX/XXXX. This form was to indicate that I have completed the XXXX  program ( XXXX qualifying payments ), and to discharge me from the program by waiving my federal loans. As of today, XX/XX/XXXX, my paperwork has not been processed, dating all the way back to XX/XX/XXXX. According to MOHELA I have not fulfilled my end of the XXXX program, when in reality I have. 

This lack of updating, not current information, and subsequent delay in waiving of my federal loans is preventing me from seeking better paying employment. This is putting an undue hardship on my life and budget. I am effectively trapped in this low paying job until further notice. Currently I am struggling to make ends meet, and am only remaining in this job because as part of the XXXX program I am required to continue working at my current position until they finish processing my paperwork for waiving my loans. 

I have fulfilled my end of the XXXX program and now it is time for MOHELA, and the XXXX XXXX XXXXXXXX to uphold their end as well and waive my loans.
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-01-31
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ive sent in disputes letter with certified mail and the report remained even after being inaccurate BANKRUPTY case dismmised i sent letters verify that the courts do not report to them nor am i resposible for the case due to XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX 2018
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (WA)

I made a principal payment to bring my XXXX to 77.8 %. After it cleared I sent in a PMI waiver form to ask to have the PMI automatically removed. They are now saying the bar has been moved and I will need PMI until 65 % XXXX. NO where in my original loan documents from the original LOAN I signed did it state that. Also Washington state law does not allow PMI to be charged on any mortgage after 80 % PMI. They also said I need o get an appraisal which is crazy cause I have only been in the house for 4 years. How much value could it have lost i n the recent market. I have argued numerous times and now they want a check for a XXXX appraisal at my expense. I was always have been on the understanding PMI automatically removes unless there is some special circumstance such as a blighted neighborhood where the house may have lost value. This is with Flagstar Bank who is currently servicing the loan.
Consumer complaint received 2023-01-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Greetings, My name is XXXX XXXX XXXX ; and I work as the XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm assisting a XXXX with a loan modification and worked very hard to fax the documents to PennyMac before the XXXX of the foreclosure. Unfortunately, PennyMac gave me 4 different fax numbers which were busy. Today, I was able to reach their Escalation Team and spoke to XXXX who walked me through uploading the documents through their portal, which she stated is her company 's preference. I'm very disappointed with the customer service of PennyMac because each time I called them to either get another fax # or check on their fax machine, the customer rep said it must be my problem. I went to XXXX different locations to fax to the following numbers XXXX, XXXX, XXXX, & XXXX to no avail. 
I'm disappointed that a company as large as PennyMac does not have adequate electronic services to handle the financial requests made by their Homeowners.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (CO)

It started with calls every day to collect a debt with a XXXX mobile. It was linked to the last 4 of my SSN and the call center could not give me any info without an account number. I have never had an account with them or any other affiliated company. The debt people keep calling every day and telling me to get in touch with the XXXX fraud department XXXX So I called the XXXX customer service line and talked to a gal who told me to go into a corporate store and show my ID and they would be able to help me. The store manager lady said there was nothing they could do and gave me a paper with an email to the " Fraud Department ''. They asked me if there was anything XXXX  mobile on my credit report and there was not on any of the 3. Before this, there was never even an inquiry from XXXX mobile on my credit report. Once I sent in the information to the fraud department all of the sudden it hit my credit report. Now I have been tied to fraudulent accounts. I have been to the XXXX mobile stores they can't do anything but give an email to a department that the call center has no clue about. The fraud department keeps sending emails wanting a police report but the police we got a hold of just gave us a number and a letter XXXX  # XXXX, the phone number for this case is XXXX. I am XXXX and have a hard time with all this computer stuff. I just got off the phone with the call center who told me the police will take care of it all. I am so confused and just want this matter resolved! I feel hopeless I worked so hard for my credit score for a company that clearly doesn't check an ID or require a card on file to mess it up. Please Help!
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On the XXXX of XXXX I went to chase bank XXXX XXXX XXXX, in XXXX XXXX California. I opened a checking accounting to deposit a refund check issued by my insitutuion where i'm enrolled for school, The personal banker XXXX advised me to electronically deposit the federal issued check even through my suggestion to deposit XXXX in person. I was made aware I would have a regular wait time of XXXX days to receive access and XXXX dollars was made available in the meantime. After the bank received my funds they automatically flagged my account and restricted access, after numerous calls back and forth between customer service and my school there is no clear answer on why my money has not been made available to me, but yet is available and circulating through the bank itself. The common request is for a verified phone number of the check issuer, and my school has no idea what a verified number refers to. I've met with the head banker and still can not access any of my funds even though as a college student on the verge of homelessness they will not help. So much misinformation, and no clear cut answer, I really want my funds and it feels extremely unethical the way I've been advised and how they are handling my money, the money is present within chase and they're actively accruing interest for there own profits, at my own expense and livelihood. I do not know what to do at this point, and the response time has been lackluster.
Consumer complaint received 2023-02-03
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. (IN)

XXXX, Experian, XXXX, as a consumer reporting agency, is governed by 15 USC 1681 and I have evidence that they have violated my rights under this act multiple times. The following accounts listed below were furnished by XXXX, Experian, XXXX without my written consent and I demand their immediate deletion : XXXX XXXX XXXX  Account Number : XXXX According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) also states that a consumer reporting agency may not make any report containing adverse information that antedates the report by more than seven years. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) requires that a person shall not furnish any information about a consumer if they know or have reasonable cause to believe that the information is inaccurate. 

I also did not authorize the following companies to access or pull my credit report, and these inquiries were fraudulent. I have contacted these companies and they have no proof of authorization or permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In conclusion, I demand immediate removal of these blatant violations of my rights. Failure to do so will result in me taking legal action against all parties involved. I request that the Consumer Financial Protection Bureau takes swift action in resolving this matter and ensuring that my rights are protected. Thank you for considering my complaint.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2023-02-03
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: Bank of Baroda - New York Branch ()

Hello sir my name is XXXX XXXX XXXX and On XXXX XX/XX/XXXX i applied for XXXX Baroda credit card on XXXX XXXX they opened it but didi not say that its activation charge are XXXX that not a major problem on XXXX XXXX i made a payment on XXXX that got failed but XXXX charged in credit card did not reversed till now also when i using my card they unfortunately blocked my card when i contact them they says you have called and request for card blocking and this will not unblocked you have to replace your card with charge XXXX also that is not a major problem. I have made advance payment of XXXX rupees in advance and i closed my credit card on XXXXXXXX XXXX XXXXXX/XX/XXXX and i mailed them from XXXX XX/XX/XXXX but till now they have transferred just XXXX of my advance payment in my bank account. Such a worst experienced i faced from them.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I have did a thorough investigation on my credit report and seen a collection on my credit report that doesn't look right. 

XXXX XXXX Date Opened : XX/XX/2022 Amount {$770.00} I sent the company a cease & desist. This account is not mine. Lastly this account is not reporting on XXXX. ( refer to screenshots to see both accounts via XXXX XXXX )
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I have collection accounts on my credit report and late payments that do not belong to me. I want the accounts removed from my credit report. Here is my FTC report as well. 


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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH INVESTMENT RETRIEVERS IN, FOR ( {$2200.00} ) ISN'T MINE. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH INVESTMENT RETRIEVERS IN, FOR ( {$2200.00} ) ISN'T MINE. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$640.00}
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-03-08
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. (NJ)

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 don't ignore my request to correct or repair the following items from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (GA)

ON XX/XX/XXXX I RECEIVED AN ALERT BY XXXX MY COMPUTER WAS HACKED AND ID THEFT WAS TAKING PLACE. I IMMEDIATELY CONTACTED XXXX FOR ASSISTANCE, I WENT INTO MY PAY PAL ACCT AND NOTICED THERE WERE CHARGES WHICH WERE NOT MADE BY ME IN EXCESSIVE OF XXXX PLUS DOLLARS. THE PAYMENT WAS TO XXXX XXXX XXXX. I FILED A DISPUTE WITH PAYPAL HOWVER THE REPRESENTATIVE STATED I ORDER SOMETHING FROM PAYPAL AND REFUSED TO PAY BECAUSE IT HAD NOT ARRIVED. THIS WAS TOALLY INCORRECT AND I SUBMITTED N ADDENDUM NOTHING I NEVER ORDERED ANYTHING FROM PAYPAL IN THIS AMOUNT. HE INTENTIONALLY NOTED THIS IN ORDER TO BUY TIME SUCH AS 7 DAYS IN ORDER FRO SYNHCHRONY BANK TO GATHR THE MONEY TO RESTORE MY ACCOUNT. ON TODAY ALL OF MY MONEY WAS TAKENFROM MY ACCOUNT BY PAYPAL FOR A TRANSACTIONS I DID NOT MAKE. 

I PERSONALLY THINK THIS WAS INTENTIONALLY DONE DUE TO PAST RUN INS WUTH SYCHRONY BANK. THEYHAVE CREATED A SITUATION IN ORDER TO CLOSE MY PAYPAL CREDIT ACCOUNT. IN ADDITION, I TRAVELED TO THE BABK AND FILED NECESSARY PAPER WORK THE AMOUNT CHARGED ON THE PAYPAL ACCOUNT FOR THE HIGHEST TRANSACTION WAS XXXX. THE AMOUNT DEDUCTED FROM MY ACCOUNT WAS XXXX WHICH IS A TOTALLY DIFFERNT AMOUNT AND TRANSACTION. 

IN ADDITION I HAVE RETURN ITEM PURCHASED THROUGH PAYPAL CRREDIT AND HAVE NOT RECEIVED CREDIT FOR THEM. 

ON XX/XX/XXXX A PAYMENT OF XXXX WAS SENT. THIS PAYMENT WAS ACCIDENTLY SENT TO A LANDLINE NUMBER. THE RECEIVER STATED SHE DID NOT RECEIVE THE PAYMENT. BUT PAYPAL STATED THE RECEIVER DID, GUESS WHAT? SYNCHRONY WILL CLOSE THIS ACCOUNT ALSO.! OH WELL!