davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

On XX/XX/2022, I submitted two documents certifying employment to Mohela ( federal student loan processor ) for the PSLF program. After several months, they were marked processed on my account with mohela.com. However, the payment counts was not updated to reflect the additional qualifying payments. 

I submitted written questions about this on XX/XX/2022 and XX/XX/2022. I attempted to call their customer service number weekly between XX/XX/2022 and XX/XX/2022. On XX/XX/2022, after being on hold for a couple of hours, I finally reached a customer service representative. When she looked at my account, she was perplexed as to why the documents certifying employment were marked processed, but my account was not updated. She verifying that the employers listed were qualifying employers. She said she would submit tickets to update my payment counts right away. At this time, those payment counts still have not been updated. I am concerned that they will not be. 

Dealing with Mohela has been much worse than the former federal loan processor. Its incredibly frustrating.
Consumer complaint received 2021-03-02
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. (MD)

Several reports from the police department and notarized letters from the XX/XX/XXXXCourt House have been submitted to all 3 credit bureaus to remove Fraudulent accounts that were opened. 

I have proven that based upon section 609 that it requires the companies to provide a contract bearing my signature and no such documents have been produced. I have sent in over 8 requests for deletion of these fraudulent accounts from my credit file. 

XX/XX/XXXXhas successfully removed the negative items listed.

I am awaiting the HARD inquires to be removed as a result of the fraudulent activity. 

Additionally, the credit bureaus have failed to provide accurate information within 30 business days starting from XX/XX/2020. According to the FDCPA and HIPAA collection laws the requested deletion must be honored and adhered to by law. Failure to do so has caused me financial harm and is a violation of my rights.
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (LA)

To Whom It May Concern : This letter is sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major XXXX XXXX ( XXXX XXXX  or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no further telephone contact be made by your office to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit.

All future communications with me MUST be done in writing and sent to the address noted in this letter.

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Best Regards
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: DISCOVER BANK (IL)

I submitted a complaint that was closed unexpectedly. I received a letter saying it was closed because the CFPB believed it may have been submitted by someone else. It was not. I am resubmitting my complaint for consideration. 

On XX/XX/2022, Discover Bank restricted access to the XXXX payment service to all customers who enrolled after XX/XX/2022, which includes myself. They did so with no notice and the method by which they set up this restriction immediately blocked my ability to use the XXXX service with any financial institution. I also have accounts with XXXX XXXX  and XXXX  XXXX and immediately after Discover 's actions I was no longer able to use the XXXX payment service through any of them. Having access to XXXX is more than a simple convenience, as I have signed a lease agreement for my home in which XXXX is the agreed upon payment method. I immediately contacted both XXXX XXXX  and Discover Bank to attempt to resolve the issue. Discover Bank said they are not offering XXXX at this time and insisted ( wrongly ) that their actions would not cause problems at other institutions and also insisted that I work with my other banks to resolve the issue their. So, I immediately began working with XXXX to find a resolution. Several customer support tickets were entered on my behalf after various phone calls. On XX/XX/XXXX a ticket was entered that was escalated to an internal team and I was advised I'd receive a solution in 5 business days. I have continued to follow up on a regular basis and am told that the company is still doing research on the issue and has no updates. I find myself in a situation where Discover advises I contact Ally, Ally advises I contact XXXX, and XXXX insists these issues must be handled through the bank. All the while, being put in a situation where I am denied access to a service by no fault of my own based on an arbitrary date of enrollment at a particular company. It is also affecting my ability to meet the agreement made with my landlord to make payments through XXXX.
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial (NC)

I noticed a charge that was debited out of my bank from Preferred Lease in XXXX, TX. someone had purchased furniture TWICE in XXXX, IL. I put a stop payment on both charges and I also filed a dispute through XXXX I received notification from XXXX that the account " the account belongs to me ''. I live in XXXX, NC, where I've been ALL my life. I have tried to contact Preferred Lease numerous time and the information they provided was erroneous. I need this XXXX charge OFF of my credit report.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC. (PA)

Robinhood intentionally imposed barriers to transferring assets out of their accounts. They stopped a transfer of assets out of my account and provided no notice or explanation. I had to cal the receiving company for an explanation because Robinhood customer service is useless. There is no live support and they only send emails which take days and are not responsive.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MI)

My father passed away earlier this year in XXXX. I am his sole beneficiary, POA on the account, and am managing his estate. I have provided documentation and death certificates to Citi to prove that the account owner is deceased. 

Over the course of the last three to four months, I have been trying to close my father 's checking account with Citi Bank. On numerous instances with online chat and over the phone, the request has been denied. They have assured me multiple times that the account will be closed, but each time it remains open. Now, they have started assessing fees ( $ XXXX ) to the account because there is no balance in the account. 

I have made an earnest effort to close the account to no success and I am hopeful that the CFPB can help close the account and put an end to this drawn out process.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2023-04-04
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. (NY)

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2021-03-26
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)

all not mine fcra violations : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX   XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX Account XXXX The information you disputed h
Consumer complaint received 2019-04-30
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. (NY)

THE ACCOUNT DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE, PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2020-06-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC (NJ)

Quality Asset Recovery unlawfully reported a medical debt to credit bureau as an individual that was already in the process of being addressed by workers compensation company XXXX XXXX XXXX. ( claim number is available upon request ). 
on XX/XX/2020 I received a Quality statement of amount due {$150.00}. 
I immediately informed Quality Asset with XXXX XXXX XXXX claim number with all the information required. I requested to correct the issue to send the statement to the XXXX XXXX XXXX. Also, I requested to remove the medical debt report from my credit report. However, it was never removed and the issue was never corrected. Again, I checked my credit report and I found that Quality Asset recovery updated the report with the same wrong information without removing it. I called on the date XX/XX/2020 XX/XX/2020 XX/XX/2020 and many more dates. requested to remove the false report, I have been threatened that the false information will not be removed from my credit report and it will remain in my account with the same information as an individual responsible for the statement for 7 years even if it's been paid from the workers compensation company.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (UT)

The credit bureaus are reporting a very old Bankruptcy on my credit file and it must be removed. I recently checked my credit and noticed that this bankruptcy was still reporting and this was discharged over 10 years ago. I had sent a previous round of disputes to the bureaus, specifying that it was past the credit reporting limit but it continues to report on my credit. This must be removed.
Consumer complaint received 2021-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

I began financing a vehicle with Kia Motor Finance in XX/XX/2020 ; first payment due in XXXX. Since then I have paid on time and overpaid, every month. My payment is {$720.00} and I pay either {$800.00} or {$1000.00} every month so I can pay the loan off quicker. These payments appear on my Kia payment history so I know theyve been received by the company. 

I received a Notice of Default in the mail threatening to " exercise their rights under the law '' which I take to mean collections. I have an impeccable and unblemished credit history so this is infinitely frustrating. I called Kia Customer Service about two weeks ago to request that my extra payment money be applied to the principle balance. I assume this representative inadvertently messed something up with my account because that triggered this Notice of Default. Kia 's financing website is outdated, useless, and barely functional which is why I couldn't just opt to have my extra payment applied to principle to begin with. 

I attempted to call the number on the notice last night and the rep told me she wasn't equipped to handle my inquiry. She told me to call back between XXXX and XXXX. I called back and spoke to another representative who ( apparently ) was also not equipped because he transferred me and was on hold for an hour and 20 minutes before the call dropped. I spoke to two more representatives that same day and the final one seemed like she would be able to help me, but my account is still showing as overdue. A manager was supposed to call me back and never did. I have also filed a complaint with the XXXX XXXX XXXX that they have ignored.

Not only has Kia Motor Finance managed to XXXX up my account and is jeopardizing my credit history, they are too inept to correct it or to allow me to try and correct it.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items 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 verifiedthat this item are being reported correctly? Who verified this items? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised th
at under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items 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 THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Student loan accounts were under Teacher Forgiveness. They were forgiven after completing long process with this agency. Everything was squared away. First this agency was servicing the account when it was forgiven. 
US DEPT OF ED/XXXX  XXXX Installment Closed XX/XX/XXXX US DEPT OF EDXXXX XXXX Installment Closed XX/XX/XXXX Then, after two years, this agency started servicing THE CLOSED FORGIVEN ACCOUNT [ XXXX XXXX XXXX ] and below is what they did to my previous TEACHER FORGIVENESS ACCOUNTS WITH US DEPT OF ED/XXXX Then, I have contacted XXXX XXXX XXXX  and tried to resubmit the same information that I submitted to US DEPT of ED/XXXX ; however, rude customer service representative, no answer in regards of my student loan forgiveness that I was already granted by the previous servicing agency and also accounts blow-up my credit report with seperate accounts in total of 15, while in the first agency it was a simple one account. 
I have did my time teaching and I am still in the education field in administration and I am trying to purchase a home, but these accounts that came up last year need to be removed from my credit report as they were in the first place forgiven. XXXX  XXXX XXXX does not care about the consumers and is not aware of the accounts they are actually servicing. My accounts were closed and forgiven through my employment at XXXX County Public Schools from XX/XX/XXXX-XX/XX/XXXX. 
Please review my case, I have been trying to contact this agency via mail and phone, but no response at all. 


XX/XX/XXXXXXXX XXXX XXXX {$2000.00} Installment Current XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX {$1500.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$26000.00} Installment Current XX/XX/XXXX XXXX  LXXXX XXXX XXXX {$2900.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$5700.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$5600.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$4600.00} Installment Current XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3100.00} Installment Current XX/XX/XXXX
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

To whom it may concern There are a few accounts that are on my credit report that should not be there. The credit bureau stated that they did an investigation and the information was Verified. I sent them additional letter a few weeks ago requesting verification information ; such as the person who verified the information, their position with the company and the date and the phone number so I can follow up with said person who verified it.