davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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. (IL)

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX In the file you maintain under my Social Security number.Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is XXXX XXXXXXXX XXXX I challenge the accuracy, compliance and reportability of this account. As I was a victim of identity thief. 

Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press releaseincluding documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IA)

MOHELA recently upgraded their systems and triggered an Administrative Forbearance in XXXX. After this forbearance period, my student loan payments ( which were on autopayment ) were deducted out of my checking account, but not applied to my student loan balance. I have confirmed with MOHELA that they have received the funds but will need to work to 'rebuild ' my account to have them applied.

Additionally, I was charged interest during the Administrative Forbearance period. I did not elect to go on this forbearance, and they stopped taking funds from my account for the months of XXXX and XXXX. This ( combined with not applying my payments to my account ) caused interest to become capitalized on my principal, INCREASING my student loan debt. I have worked quite hard to pay these loans off and have already paid more than the original balance. It feels like a slap in the face from the company that sued the federal government to prevent student loan forgiveness ( but that is another tangent ). 

I called them on XX/XX/year>, and after waiting on hold for 75 minutes, having the call disconnected, then calling back and waiting 90 minutes, was finally able to talk to a representative. Once on the phone, the reps were polite, and attempted to help, but I am not sure when or if my request will actually be processed.

Payments were withdrawn out of my bank account on XX/XX/year> & XX/XX/year> in the amount of {$450.00}. Interest was capitalized on XX/XX/year> ( {$180.00} ), and two supplemental payments made on XX/XX/year> & XX/XX/year> in the amount of {$410.00} showed an interest applied of {$70.00} & {$70.00} respectively
Consumer complaint received 2024-12-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Khoury Alternative Claims Management (GA)

-Rented a car from XXXX XXXX XXXX XXXX XXXX XXXX The company claimed I damaged the passenger bumper despite photos showing the damage was pre-existing. 
-The company made an unauthorized charge to my credit card {$1700.00}, filed a claim with my insurance XXXX XXXX and hired a collection agency ( Alternative Claims Management XXXX ). 
XXXX XXXX me not liable and denied the claim after determining the damage was pre-existing damage upon reviewing the before photos. 
-Alternative XXXX XXXX XXXX has issued a payment demand for {$2400.00} despite providing them with photos from the company 's rental agreement which show the pre-existing damage -Photo showing pre-existing damage attached, when magnified, all scratches and marks clearly visible
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

On XX/XX/XXXX all my federal student loans were cancelled through the PSLF program. I received the US treasury check for {$28000.00}. I received one check and I subsequently cashed it. It is my understanding that I made more payment than were required, and that was the reason I was given this check. The loan servicer Mohela continues to incorrectly demand payment from me and they are charging and in addition they are continuing to charge me interest of {$21000.00} for the original loan which was discharged. In addition, Mohela is incorrectly reporting to credit reporting agencies that I owe {$49000.00}. 

On XX/XX/XXXX I requested that Mohela inform credit reporting agencies that the debt is in dispute and at the same time I demanded that Mohela verify the debt which I believe is not owed. On XX/XX/XXXX, Mohela sent me a letter and they did not address my concerns. Mohela continues to demand payment for me from this incorrect debt and they continue to report to credit reporting agencies that I owe this debt. They have not notified credit reporting agencies that this debt is in dispute. 

I would like for Mohela to confirm that all of my federal loans have been cancelled and I do not owe any money to the Dept of Education.
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

My student loans are under the SAVE repayment plan that has been held up in courts for months. Because of this, people who are under the SAVE repayment plan are supposed to have all of their loans placed in forbearance and interest should not be accruing while the court cases play out. 

Much to my surprise, I received notification from Mohela that Although no payments are due now, interest continues to accrue on your loans during the deferment period. How is that even possible with my loans being placed into forbearance because of court cases for the SAVE plan? I also received notification that my interest rates had changed ( meaning gone up ). 

After trying to customer service number and waiting through 10 minutes of automated recordings, I am told the wait time is 32 minutes. Fine. The second the phone call is connected to a live agent after 32 minutes, it immediately hangs up and no one calls you back. I reached out via the message option on my account instead and asked why interest is accruing on my loans. 

This is the response : A review of your account reflects an In School Deferment was placed on your account XX/XX/XXXXXXXX XXXX XX/XX/XXXX. Borrowers are automatically placed on an In-School Deferment when their enrollment status is reported. I NEVER reached out to Mohela to place an in-school forbearance on my account or even hinted to them that I needed anything to change with my accounts. 

The only thing I can guess is that I had signed up for a college class to try it out and paid out of pocket, no FAFSA done, nothing to do with the government ( or Mohela ) and decided after the first week the class wasnt for me, dropped out, and never thought anything of it again.

Im guessing because of that one class ( because that is the only thing I can guess ) that Mohela decided to, without permission from me, place my student loans in a in-school forbearance and continue to charge me interest on my loans instead of the loans being placed in forbearance with no interest being charged due to the SAVE court cases. 

This entire time, I was under the understanding that my loans were still in forbearance from the SAVE court cases up until the time I received notification that my loans were accruing interest. I had never authorized Mohela to change ANYTHING with my school loans and because it shows the " amount '' as {$0.00} and the " status '' as no payment due on all my loans, you're not able to see the interest accruing. 

Mohela needs to figure this out immediately because this is completely unacceptable and they have erroneously charged me interest on loans that shouldnt have interest charged. Because of their phone system that doesnt work, Im not able to actually speak to anyone on the phone to figure this out and ask why they havent bothered reporting to the credit bureaus in FIVE MONTHS. I paid off multiple school loans yet nothing has updated since XX/XX/XXXX and it is now XX/XX/XXXX.
Consumer complaint received 2020-05-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

I paid off my car loan with Fifth Third Bank back in XXXX. As of today, XX/XX/XXXX, I have yet to receive a title. 

When I realized a few years ago I was not in procession of a title, I called Fifth Third Bank to ask about it. The notified me the release was sent to the DMV and I could request a duplicate title, so thats exactly what I did. In XX/XX/XXXX, I sent in the CA DMV form requesting a duplicate title along with the {$22.00} fee. CA DMV returned the form and check notifying me the lien had not been released by Fifth Third. 
I then called Fifth Third Bank notifying them of the problem, and they said the release was sent to Virginia, where the vehicle was previously registered from XX/XX/XXXX XX/XX/XXXX and to contact Virginia. I called the Virginia DMV, and they had no record of the release either. 

I became frustrated and let it go until early XX/XX/XXXX. I called Fifth Third Bank again, explained the prior scenarios and they said a state-to-state transfer from VA to CA must be completed with their third party title provider. I was transferred to this third party, and the third party notified me the release was sent to Connecticut where the vehicle was registered from date of purchase in XX/XX/XXXX to XX/XX/XXXX and to contact CT for the title. I then called the CT DMV ; they did not have record of the release either. After calling the CT DMV, I tried the VA DMV again to double check if they had record of anything, and still nothing. The VA DMV said they needed to receive a release from the bank to issue a title. I called Fifth Third Bank again, and a gentleman told me he would re-submit a release to VA and I should give it 10 business days to get a title from VA. I confirmed VA had my current address, but have not received the title as of today, XX/XX/XXXX. 

I called back Fifth Third bank XX/XX/XXXX where I explained the scenario and told them I just need a title from somewhere to sell my vehicle in the next 30 days. Fifth Third again referred me to their third party, the third party refereed me to CT, and back to Fifth Third again when I told them CT had no record of the release. I am going in circles with Fifth Third Bank. Fifth Third should have record the car was registered in CA since XX/XX/XXXX, notified CA the loan was paid in full and to release the title to me in XXXX. I need to sell my vehicle by mid-XX/XX/XXXX and can not do so without a title.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

My students loans were transferred to MOHELA. I have auto pay set up for above my minimum payment. MOHELA has taken the auto pay out the past two months but continues to send past due notices. I verified my auto pay is set up to be allocated to each loan above minimum payment and the auto pay has come out of my account. Still MOHELA sends me past due notices and shows my account being past due. I have revoked auto pay due to their inability to correct their mistake. Payments are not showing on my account online yet the funds are gone from my account.
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (IL)

I qualify for XXXX and made XXXX payments and certified my employer through XXXX  I am submitting letter from XX/XX/year> of forgiveness from the XXXX but Mohela has failed to forgive loan based on attached. I have made multiple calls every month to Mohela from XX/XX/year>, XX/XX/year> and XX/XX/year>.
Consumer complaint received 2020-05-01
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)

SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-06-03
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. (CA)

In accordance with the Fair Credit Reporting Agency the following companies have made some violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602A states I have a right to privacy 15USC 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-12-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (VA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

Contacted my mortgage loan company on or about XX/XX/2020 about any programs available to delay payment of our home mortgage due to the Covid -19 issue. The PHH Agent said that they could do a forbearance for 90 days without reporting this to the Credit reporting agency 's. I requested information to be sent to my x-wife as she is a partner in our property. The info was to be mailed to the property address. About a week passed without receiving any correspondence. On the XXXX of XXXX I generated an email to PHH I had not received any correspondence. On XX/XX/XXXX I received an email stating that PHH records indicate the Forbearance Plan had been set up. Due to high volume there could be a delay. We did not request to be put on any plan only for information. On XX/XX/2020 I was alerted that my x-wife 's FICO dropped 52 points and when checking mine found it had dropped 62 points even though our mortgage payment for XXXX had been paid. On XXXX I spoke to XXXX  ID # XXXX and was told that a Supervisor from credit reporting would call me back in 24-48 Hrs. XXXX called back and said he was the Supervisor and there was nothing he could do and I should contact the credit reporting companies. I requested his Supervisor and have heard nothing.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IN)

My name Is XXXX XXXX and this is my formal notice of complaint against LexisNexis for furnishing information to the credit reporting agencies XXXX XXXX XXXX without my permission. This has been an invasion of my right to privacy and is causing me XXXX XXXX, XXXX, and inconvenience. 

I have reached out to LexisNexis on several occasions to resolve this issue and my requests have been ignored. 

According to the Fair Credit Reporting Act, in order to furnish the alleged XXXX XXXX  XXXX LexisNexis would need to be able to both VALIDATE and VERIFY my information with the original creditor. XXXX XXXX XXXX  XXXX has assured me it is not within their policies or obligation to validate any public records via correspondence they provided me with via postal mail, please see the attached exhibits. 
So how was this information validated and verified? 

Pursuant 15 U.S. Code 6821 ( a ) -Prohibition on obtaining customer information by false pretenses. 

by providing any document to a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 

Also by providing any document to an agent of a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 

LexisNexis claimed to have reviewed my previous requests for validation and verification in which they mailed a resolution letter with an updated copy of my LexisNexis file on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( See attached exhibits ) ... and is somehow still requesting that I authenticate my identity .... 

If LexisNexis is unable to authenticate my identity then HOW in the world were they able to provide me with resolutions to my previous requests? 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice. Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by LexisNexis. I am aware that XXXX, XXXX and Lexis Nexis may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable if they do not delete these items immediately from my credit reports. I am also aware that this may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnish this alleged bankruptcy. 

Please review the attached Exhibits that support my claims.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX and XXXX XXXX  made 9 unauthorized charges to my Capital One Checking account. These transactions occurred from XX/XX/21 at XXXX hours to XX/XX/21 at XXXX hours. Two of the transactions were for {$1.00}, and seven were for {$1.00}. The debit card that was used for these transactions has never been used by me and has always been kept under lock and key, thus it is likely that a data breach at the bank is how my debit card numbers were likely obtained.
Consumer complaint received 2022-07-14
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. (DE)

In accordance with the Fair Credit Reporting act XXXX  the following accounts, Account name : XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.