davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CO)

I applied for the XXXX repayment plan XX/XX/XXXX. After several weeks of no response I asked Mohela for an update. They were not able to provide any information. I applied through the XXXX XXXX XXXX website XX/XX/XXXX and that website now says Mohela has completed reviews of both the XX/XX/XXXX application and XX/XX/XXXX application. However, Mohela did not share information about whether they've accepted my application for the XXXX plan or not, and nowhere in my profile on their site ( correspondence, notices, etc. ) does it say anything about having accepted or denied my application. This discrepancy is a problem. My payments are set to restart XX/XX/XXXX according to Mohela 's site ; but the minimum amounts are clearly incorrect, as they're based on principal numbers from XX/XX/XXXX ( one of the issues I originally filed a complaint about with CFPB and asked Mohela several times to explain, to no avail ), and those numbers would change on the XXXX plan. 
Mohela 's lack of timely and competent response is unacceptable, when they're expecting payment.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc. (FL)

Provided me with a deceptive pay off amount, and tried to collect more money than the quoted payoff amount. They refuse to work with me, stating in XXXX of 2023, to check back after XX/XX/2023, for a payment arrangement, in XXXX of 2023, contacted Avant and told me to check back after XX/XX/ 2023 for a payment arrangement, stating that they can not provide me with one. I started with a {$300.00} credit limit, and they total balance on the account is currently {$700.00}. They refuse to work with me as the consumer on getting the account resolved. Have asked for a settlement to get account paid and closed and still no help. The account currently continues to negatively affect my credit with fees even though I have tried to every avail to work with Avant in getting the account situated. I told them on numerous occasions the minimum payment they are asking for of almost {$400.00} is out of reach and wanted an arrangement, instead they try to instruct making small payments, which will do nothing to the overall balance of the account as it constantly is collecting late fees and outrageous interest fees.
Consumer complaint received 2023-09-27
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)

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. I demand immediate and unwavering attention to my identity theft disputes. The languid pace at which your bureau has operated is nothing short of negligence, and it has amplified my suffering. It is high time you realize the real-world consequences of your inaction. PLEASE DELETE THIS ACCOUNT : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-27
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. (AL)

I submitted a letter to the XXXX and Transunion Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$41000.00}
Consumer complaint received 2023-09-27
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. (GA)

I am writing to dispute Inaccurate Credit Reporting for XXXX Account # XXXX I called this company, and they were not able to find an account for me. I informed all 3 credit reporting companies, and they still reported the incorrect information. 
So, I am now seeking your help to request an investigation into the reporting of account # XXXX on my credit reports, I have attached copies of my credit reports from XXXX XXXX Experian , and XXXX for your reference, which demonstrate inconsistencies in the reporting of this account as well. This account is not mine and should be deleted from my credit file. I did not sign any contracts with XXXX and I do not owe them any money. 

In addition they are reporting discrepancies with is an FCRA violation which include the following : Account Type : The account is reported as an " Installment '' type account. However, it is reported as an " Educational '' account on XXXX and Experian. This is incorrect and misrepresents the nature of the account. 

Account Status : The account status is reported as " Derogatory '' on XXXX and XXXX 's reports, while Experian reports it as " Paid. '' Date Opened : The date the account was opened is reported as XX/XX/XXXX, on XXXX 's report and XX/XX/XXXX, on Experian 's and XXXX 's reports. 

No. of Months ( Terms ) : XXXX and Experian report 360 months ( 30 years ) for the terms, which is accurate. XXXX, however, reports " XXXX, '' Last Reported : There are variations in the last reported dates, with XXXX reporting XX/XX/XXXX, Experian reporting XX/XX/XXXX, and XXXX reporting XX/XX/XXXX. 

Date Last Active : The date last active is reported as XX/XX/XXXX, on XXXX 's report, XX/XX/XXXX, on Experian 's report, and XX/XX/XXXX, on XXXX 's report. 

Date of Last Payment : XXXX reports the date of the last payment as XX/XX/XXXX, while XXXX and Experian do not provide this information. 

I am formally disputing these discrepancies and requesting a thorough investigation into the accuracy of the reporting for account # XXXX. 

Please conduct a comprehensive investigation into these discrepancies and provide me with the results of the investigation. This account needs to be deleted from my credit file. Please request documentation and show me proof ( a signed contract with my signature. ) I understand that, according to the Fair Credit Reporting Act ( FCRA ), they have 30 days to investigate and respond to this dispute. 

I look forward to a prompt resolution of this matter and the correction of my credit reports. 

Please send me written confirmation of the actions taken as a result of this dispute. Thank you for your attention to this matter.
Consumer complaint received 2023-09-27
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

Mohela owes me a refund for the overpayment of student loans for my PSLF. I was forgiven last summer, Mohela representatives have told me over the phone that I am deserving of a refund and I shouldve gotten it in 60 days or something and recognize that I havent. 

Thats where the good will ends. You call and are told you will be talking to a professional but the professional has been told to pretend they are in training whenever someone asks about getting a refund owed to them. If you ask for a supervisor or someone who knows what they are doing they put you on hold for upwards of XXXX minutes. They XXXX do this a handful of times then give you a varying number or reasons they cant give you a refund. ( I have talked to at least XXXX people personally who have heard these excuses and been given the run around ). 

XXXX. You have to resubmit paperwork- no I dont. Its all on the website, the situation is visible to everyone involved but they want to keep the money instead of refund it. 

XXXX. This aint our job you have to call the department of education XXXX this is also an untrue. Mohela handled every part of the XXXX process. They are paid by the government to do that. 

XXXX. We dont know why you didnt get it but we cant make it happen- this is probably true but they refuse to put you on the phone with someone who can. 

I think I made XXXX payments too many. The last payment I made was I think between $ XXXX {$570.00} a month. XXXX XXXX and that is a lot of money for my family who is both public servants raising XXXX children on public servants salary. 

Please help, its hard being XXXX person against a corporation who has built a structure to subvert the duties for which our tax dollars are paying them to execute so they can keep peoples overpayments.
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

My loans were forgiven in XXXX of 2022 However, I had filed a borrowers defense case against XXXXXXXX XXXX and I was approved for discharge. 

I should be receiving a refund on those payments made prior to the forgiveness. 

I am now with a degree that I was promised career choices with and that did not happen. I spent two years working so hard on this degree with the intent of transferring positions to find out the degree did not allow that. 

I am now in the discharge group, I have contacted Department of Education in regards to my payments refunded, they told me to contact Mohela. After 4 failed email attempts, I called and was told they don't know anything about the discharge or refunds. 

I made payments and need the money returned for this loan
Consumer complaint received 2024-01-24
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. (PA)

I contacted TransUnion to request select Hard Inquiries be removed because I did not authorize them. They advised they cant remove them. 

Only These listed below Hard Inquiries I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27
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. (VA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-27
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. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CHOICE CAPITAL FUND (FL)

I took out a loan on XXXX XXXX the amount was {$400.00} I was able to make two payments the first payment was {$57.00} and the second payment was {$28.00} on Friday. On XX/XX/XXXX I reached out via the consumer finance protection bureau explaining my situation. I received a response from XXXX XXXX XXXX on XX/XX/XXXX telling me to take the time I need on my finances. And to reach out at my convienience. I got an email from the loan smith on XXXX XXXX telling me that my account is past due i sent an email to XXXX XXXX on XXXX XXXX. And I attached the email and I explained the situation stating that I did get my debit card but I had to cover other debts. And explained that I needed more time. I havent received a response and I even called and left a voicemail I did not receive a response. To this date I have not received a email or a call back. Today on XX/XX/XXXX I received an email from the loansmith saying to settle for 25 % and the email says to take action or else I will go into collections. I do not like being threatened and this company takes advantage and preys on the vulnerable. I am on a fixed income and I am barely making it.
Consumer complaint received 2023-09-27
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-28
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. (PA)

Transunion is not being compliant and they are not properly following the FCRA as stated by law.I filed a grievance on them back in XX/XX/23 I had filed the following grievance on transunion which stated To whom it may concer this letter is a formal complaint tht this company is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However your company is reporting a late payment which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which this company has failed to do.the following accounts on my credit report which are reporting illegal. XXXX XXXX XXXX account # XXXX latepayment. Dept of education account # XXXX payment. Dept of education account # XXXX payment. Dept of education account # XXXX Payment. Dept of education account # XXXX payment. Dept of education account # XXXX payment. Dept of education account # XXXX payment. The response I received for my above stated complaint was in quote In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX OF XXXX / XXXX ( XXXX ) XXXX XXXX XXXX-UPDATED. ( Plz refer to the original complaint and response ) They did not state the outcome of the investigation and give a explanation on the outcome of the complaint they just gave an elusive statement. I am still in a Quandary to what action was/is taking to correct the information displayed on my credit report.
Consumer complaint received 2023-09-27
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-09-27
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting in my file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-28
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: W&A Intermediate Co., LLC (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt Vs. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-09-27
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.