davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MD)

I started payments on the student loans XX/XX/XXXX to the U.S. Department of Education FedLoan Servicing. I was accepted in the PSLF program XX/XX/XXXX. One year later I received an email from XXXX stating that it has been one year since my Employment Certification Form ( ECF ) was approved. Reminding me of the need to make 120 qualifying payments and noted that I was not required to re-submit an ECF annually but said it would be a way for me to keep track of my progress.

Subject : Public Service Loan Forgiveness - Employment Certification Reminder Date : Wednesday, XX/XX/XXXX, XXXX XXXX It has now been one year since your last Employment Certification Form ( ECF ) was approved. Since this was the last approved ECF we have on file for you, we wanted to encourage you to submit a new one as a way to help you track of your qualifying payments toward Public Service Loan Forgiveness ( PSLF ).

As you may know, you will have to make 120 qualifying payments on your loans.

while employed full-time by an approved public service organization before applying for loan forgiveness. Although you are not required to re-submit an ECF annually, doing so will help you keep track of your progress toward PSLF eligibility.

by confirming that you are still employed with a qualified public service organization.

I was asked to submit another ECF even though I was previously informed that it was not required to resubmit annually, I submitted another ECF signed by my HR office in XXXX XXXX, then in XXXX I was notified there was an issue with the electronic signature, and I submitted another form from HR with a handwritten signature. However, my forgiveness date did not return to what was originally promised and Im really concerned as to why!

I have been employed with the Federal Government since XXXX with no breaks in service. I did not think it necessary to keep track of my progress if I remained employed and made regular payments. After forty-eight years of Government service, Im planning to retire soon and would like to know when this loan will be forgiven.

Now, after the loan was transferred to MOHELA, I was asked to provide another Employment Verification Form signed and dated from my HR Office. Also, Im seeing the loan witch I thought was combined into one loan is actually four separate loans for each of the four years my daughter was in school.

With the first one only to be forgiven at this time. And one and two more years for the other three.

Is there any way I can have these loans combined to one and maybe be forgiven. As I mentioned earlier, I am ready to retire.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS TOMOCREDIT Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MI)

I repaid my loans sometime in XXXX and have since had a negative account balance for my subsidized and unsubsidized loans. I have tried contacting my servicer ( aidvantage ) many times since then. When I could not get in contact with anyone I tried contcing the numbers listed on the Federal Student loan website, anybody i got into contact with told me I had to speak to my servicer. I submitted a complaint on said webite on XX/XX/30 and have not gotten any information since the,. i do have a case number but no representative or any new imformation. On my studentaid.gov account it says I still owe {$1.00} on each loan.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (MI)

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlly FinancialXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm a victim of ID Theft. Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX of 1999 there was a fraudulent account opened without my knowledge nor permission. Someone opened this fraudulent item and the amount of {$1100.00}. 

I have never had an account with capital one. 
Nor have I received any goods are authorized anyone to open this fraudulent account I noticed it was opened when I went to go try a pre approval and my social was blocked. 

Given that this fraudulent item is so old it is not reporting but it is tied to my social security number at capital one
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc. (MN)

I received an email from National Credit Management on XX/XX/2023 concerning a {$330.00} debt that they stated I owed. The XXXX XXXX XXXX XXXX XXXX XXXX placed a due balance of {$260.00} in their office for collections. However, the {$260.00} was paid on XX/XX/2023. National Credit Management and the XXXX XXXX XXXX XXXX XXXX XXXX both acknowledge that the {$260.00} was paid, but are requiring me to pay a {$66.00} charge, which is wrongly being put on me instead of the XXXX XXXX XXXX for mistakingly taking this to National Credit Management when it was already paid.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX, our bank charged me a {$37.00} overdraft fee for a XXXX XXXX XXXX XXXX purchase that they said put my account in the negative. I tried to place that order twice the first time I placed that order it was declined because I didnt have enough funds and XXXX XXXX XXXX XXXX sent me an email saying that the order was not going through the second time I placed the order I did have the funds in the account so Im trying to understand why Im being charged a {$37.00} overdraft fee for funds I clearly had in my account because I had to have the funds in the account before they can even place the order for XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (MI)

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX. Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2023-10-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I am XXXX XXXX, and I am filing a formal complaint with the Consumer Financial Protection Bureau regarding an incident involving a purchase I made at XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with Comenity Capital Bank sponsored credit card. 

I was enticed by an offer presented by Comenity Capital bank in collaboration with the XXXX XXXX XXXX, which advertised that I would not incur any interest charges if I paid the total balance by XX/XX/XXXX. Trusting in the integrity of this offer, I decided to open a XXXX  card account with your bank and made a substantial purchase of appliances totaling XXXX. I firmly believed that I would be exempt from any interest charges until the specified date of XX/XX/XXXX. 

To my satisfaction, upon receiving my statement on XX/XX/XXXX ( see attached XX/XX/XXXX statement ), I discovered a warning on PageXXXX. This warning indicated that I needed to pay the sum of XXXX in full by XX/XX/XXXX to avoid accruing interest charges. I took this warning seriously and understood that prompt payment was essential to avoid any unexpected interest costs. 

In response to this, I promptly made XXXX separate payments XXXX amounting to XXXX  on XXXX ( as evidenced in the attached by the XX/XX/XXXX Closing Date Statement ) and another payment of {XXXX on XX/XX/XXXX ( as indicated in the attached XX/XX/XXXX Closing Date Statement ), totaling XXXX. I believed that I had taken the necessary steps to meet the payment requirements. To my dismay, despite my efforts, I was still charged XXXX  in accrued interest. 

What further exacerbated this situation was my subsequent discovery that buried within XXXX of the bank 's statement was an undisclosed " minimum payment '' requirement, which was never mentioned in conjunction with the " XXXX interest '' offer. This requirement was not provided in the XXXX XXXX XXXX on XXXX XXXX of the bank statement. It appears that this additional " minimum payment '' requirement was intentionally omitted from the warning, which is deeply concerning and unfair. This lack of transparency is highly disconcerting and has left me feeling deceived and frustrated. 

I reached out to the company to refund XXXX  accrued charged but they denied it.
Consumer complaint received 2023-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Markoff Law LLC (WI)

This was a payday loan from 4 years ago. I have asked for proof as I have paid off many loans in the last 3 years. No proof was given for legitimacy. I have just got notice that someone attempted to serve me at my home, and double checked my ccap. They are now pursuing payment through small claims without responded or sending any documentation. I have never worked with this debt collector. I have left voicemails with my reference number and no messages back.
Consumer complaint received 2023-10-05
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

I ASKED AMERICAN EXPRESS ( AE ) FOR A PLACE TO GIVE INFORMATION ON INVALID EXPENSES ON MY CREDIT CARD. THEY GAVE ME AN INVALID WEB ADDRESS. WHEN I ASKED THE SECOND TIME, THEY GAVE ME ANOTHER INVALID WEB ADDRESS. THE THIRD TIME I REQUESTED THE INFORMATION, I WAS UNABLE TO USE MY LOGON TO GET INTO THE PLACE TO GIVE THE INFORMATION. THIS HAPPENED AGAIN. I WANT TO GET MY BACKGROUND IN THIS COMPLAINT. I HAVE A XXXX XXXX FROM XXXX XXXX XXXX XXXXXXXX AND BECAME A XXXX XXXX AND WORKED ON THE CLASSIFIED XXXX XXXX XXXX. THE REPLY FROM AE CAUSED ME TO NOT TRUST THEM. I STILL DO NOT HAVE A VALID ADDRESS TO GIVE AE THE INFORMATION ON THE INVALID EXPENSES ON MY CREDIT CARD.
Consumer complaint received 2023-10-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I was given XXXX American Express XXXX XXXX in the past year at work, one for {$75.00} and another for {$100.00}. I now have {$9.00} left on the {$75.00} card and {$22.00} on the {$100.00} card, but because neither card can be " split '' with my XXXX card to cover an online purchase, I'm having trouble using them.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Marlette Funding, LLC (MI)

This issue has been going on for months now I try to use the card and every transaction gets declined. Ive tried using it at multiple locations makes no difference if Im at a gas station and grocery store or buying a movie ticket for the life of me I cant get the card to work I have called on multiplications you said that youve restarted the card reset the card you told me to wait XXXX hours other time you tell me to wait XXXX hours But nothing ever works. What does it take to get you to fix the card so I can use it like Im supposed to be able to? Im not at my credit limit Im not behind on anything never missed a payment I mean Im a good customer I do have a small balance but its very small, so why doesnt the card work?
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX Has Not Been Reporting On My Account Since XXXX. I Have Been Making Payments And My Balance At This Time Is Only {$1900.00}. I submitted a dispute with Experian and Experians results came back stating that XXXX XXXX reported the balance as correct that is clearly incorrect.They have been reporting I owe {$4600.00}