davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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 (MO)

I requested a refund for student loan payments made during the Covid-19 pause. The payments were approximately {$7000.00} in total. I requested the refund in XX/XX/2023. The refund has been added back to my balance and accruing interest, but I have not received the funds almost 4 months later. I was told the refund would be processed by the federal government, but the department of education is saying the loan provided would handle the refund. Multiple calls to Mohela have resulted in no definitive timetable for the refund.
Consumer complaint received 2023-08-07
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. (AR)

I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. The Equifax intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern, and where are the proof of payment history for these accounts? I am asking for your assistance to investigate properly and correct them from my personal credit file. The Equifax Credit Bureau should correct the following accounts right away : DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2016-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Progressive Financial Services, Inc. (CA)

I am an XXXX XXXX XXXX man living at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My son lived on the same property in a separate structure, but we shared our mail box at the XXXX XXXX address. My son, died XXXX. He had cable, phone and internet in his name with XXXX XXXX and paid the service monthly and I paid for my own cable for my house with XXXX XXXX XXXX. When he died, I turned off the service with XXXX XXXX immediately, and told them he was deceased. I gave them my name and told them I was his father. My son was on XXXX when he died. XXXX XXXX continued to send bills in my dead son 's name and my name. I sent all XXXX XXXX bills back to XXXX with recipient is DECEASED written on the envelope. On XXXX/XXXX/16, I received a bill from Progressive Financial Services in my name ( XXXX XXXX ) for a XXXX XXXX bill stating I owed {$680.00}. I have not subscribed or ordered XXXX XXXX, my cable and internet provider is XXXX XXXX XXXX. Please help me with this financial injustice.
Consumer complaint received 2023-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

Bank account at Truist at XXXX XXXX XXXX XXXX XXXX XXXX brookneal, va phone XXXX There were 2 transactions that charged to my debit card one on XX/XX/2023 and one on XX/XX/2023. 
I reached out to Truist fraud department and filed two claims XXXX and XXXX. 
They quickly replied that i did make these transactions, in which i did not. They said that i would have to prove that i would have to show proof. They said the transactions were made thru XXXX. 
I contacted paypal and got a listing of all transactions made from XXXX  XXXX to XX/XX/XXXX, and it showed no transactions was made to XXXXXXXX. 
This is what showed on my debit card account XXXX XXXX XXXX. {$72.00} XXXX XXXX XXXX {$940.00} These are the amounts that were charge to my debit card checking account. 
XXXX does not show any transaction related to this. 
It seems like someone gotten into my account through their server. lately i have not had any response from them. I would like for them to put my money back into my account. and to do a deeper investigation into what happened.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (TX)

Experian is reporting non mailable addresses that is causing me harm. I have sent numerous documents proving my address and Experian continues to report inaccurate information. My correct address is XXXX XXXX XXXX XXXX TX, XXXX. My name is XXXX XXXX. Please stop reporting any other information as it is not correct. 

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. 

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. 

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-08-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (MI)

I opened a dispute with the Go-Program ( Prepaid, Way2Go Card ), on XX/XX/2022. After my purse with wallet inside was stolen from the airport. The card was used after my son 's father paid his arrearage of {$3600.00} out of the blue without me knowing. I only found out when I received a letter in the mail from the Friend of the Court of XXXX XXXX. I looked at the app on my phone and noticed that the amount was loaded on the Way2Go card and noticed several transactions and immediately realized that I did not re-order a new card due to my son being XXXX now and never really receiving more than {$50.00} from him on that card in the past. I didn't have a valid number to reach out to Way2Go, so I started XXXX ways to reach them, and finally got to a live person, but only by putting incorrect information in the automated system. On XX/XX/2022 I spoke with a live person and was told in 7 days that I would receive a questionnaire form and to complete it and email it back to them asap. The form took over two weeks, and when I receive it, I completed it that same day and sent it back ASAP on XX/XX/2022. My dispute was denied due to my card being used in XXXX XXXX, MI, ( which is where my purse was stolen ), and told that if I wanted to go further to send a letter explaining what exactly happened. I did that as well and emailed it to them on XX/XX/2022, two days after that I was denied again for the same reason, and pretty much was told that I had one more chance, and then after that they were done with me. I spoke with two supervisors named XXXX and XXXX and both were rude and unhelpful. They informed me that there wasn't a higher power and that it ended with them. I sent another attached letter to their email on XX/XX/2022 and was told on XX/XX/2022 that I was denied again due to the same reason and that they were done with me. This company is XXXX and very unprofessional, I do not believe that this was properly investigated because if that were the case, they would have refunded me the funds.
Consumer complaint received 2023-08-21
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. (GA)

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.

has violated my rights. Or list of inquiries 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 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 2023-10-09
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

Shellpoint Mortgage Servicing sent me a first notice of default, filed on XX/XX/. The notice states that I failed to make my mortgage payments of {$2300.00} for the months of XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX totaling the amount to {$11000.00}. I was very skeptical about the amounts and months they stated I missed, but because I had 10 days to pay this amount, I didn't have time to look deeply into the amount they stated I owed. I had 10 days from XX/XX/XXXX XXXX which was XX/XX/, to cure the default. I sent a payment in the amount of {$11000.00} to Shellpoint Mortgage Servicing and they received it on XX/XX/, curing the default. 

My lawyer spoke with me on XX/XX/, and informed me that she received a package from Shellpoint Mortgage Servicing dated for XX/XX/, that states " As of the date of this letter, your account is 3 payments past due, total amount of past due payments : {$6900.00}. '' My lawyer informed me that this is very strange because she received the Withdrawal Notice of Default and 3 days later, received a letter stating that I am 3 months behind. '' She informed me that this is not uncommon for Shellpoint Mortgage Servicing as they tend to add unexplained hidden fees. Explain to me how you all received {$11000.00} on XX/XX/XXXX XXXX XXXX curing the Default to now 26 days later I am 3 months behind owing {$6900.00} all in the month of XXXX. 

After speaking with my lawyer, this is when I knew that Shellpoint Mortgaging Services was doing Fraudulent activity. I also checked my online statement dated XXXXXXXX XXXX and it states that the total past due is {$8800.00} in which you have included unexplained fraudulent legal fees for {$1900.00}. 

I have sent my XX/XX/ XXXX  Payment in the amount of {$2300.00} and I only owe for the month of XXXX. Even if you were to " hypothetically '' state that I am behind for XXXX and XXXX, the fact of the matter is that none of these numbers are adding up to my actual mortgage payment which is why I know Shellpoint Mortgage Servicing is conducting fraud. 

These notices and false claims are very concerning. After looking up the reviews and negative complaints along with several lawsuit settlements from Shellpoint Mortgage Servicing addressing this same issue, I am very disappointed, and furious that my mortgage was transferred to this company. 

I am requesting that Shellpoint Mortgage Servicing sends me a copy of all my payments that I have made since my mortgage was transferred from XXXX XXXX XXXX. I am also requesting a breakdown of the unexplained legal fee that was added to my XX/XX/, invoice, and a breakdown of all the unexplained fees that Shellpoint Mortgage Servicing has added to my previous invoices. 

Enclosed I will be adding documentation.
Consumer complaint received 2023-08-07
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

I am writing to dispute the accuracy of the information being reported on my credit report by the listed creditors. I have already disputed these items with the credit bureaus, but the creditors have failed to provide verified information in response. As such, I am seeking your assistance in enforcing my legal rights under the FCRA and FACTACT.

The inaccurate reporting by the creditors is causing serious harm to my financial wellbeing and has been affecting my ability to secure loans or credit. These inaccuracies have caused my credit score to be artificially low, making it difficult for me to obtain credit at reasonable rates. This has also resulted in me being denied credit opportunities and has made it difficult for me to obtain the financing I need to make important purchases. 

For instance, XXXX XXXX XXXX ( XXXX XXXX XXXX has been reporting inaccurate account type and monthly payment information, which is a clear violation of the FCRA. Similarly, XXXX XXXX XXXX has been reporting inaccurate account type and monthly payment information. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all been inconsistent in their reporting of account type and monthly payment information across different credit bureaus, which is a violation of FACTACT. 

These inaccuracies have had a significant impact on my life. For example, I have been trying to secure a mortgage to purchase a home, but due to these inaccuracies, I have been denied the loan. Additionally, I have been unable to obtain credit for other important expenses, such as a car loan or a student loan, which has further hindered my ability to improve my financial situation. 

Therefore, I request that you assist me in enforcing my legal rights under the FCRA and FACTACT. Specifically, I request that the listed creditors remove these unverified collection accounts from my credit report. I believe this will help me improve my credit score, which will, in turn, enable me to obtain the credit and financing that I need to live a better life. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to follow up on my previous dispute regarding inaccuracies in the account information listed under account number XXXX on my credit report. Despite your initial investigation, the information remains incorrect, and I respectfully request a thorough reinvestigation. 

The discrepancies in my credit report are as follows : Balance Details : The account is marked as " Paid off '' with no balance or balance update information provided. This lacks clarity and completeness. Additionally, the original balance is shown as {$14000.00}, which needs to be verified and corrected if inaccurate. 
Payment Summary : The payment summary for the years XXXX through XXXX is incomplete and inconsistent, showing only " XXXX '' for XXXX each year. This does not accurately reflect my payment history. Please review and correct these entries. 
Account Status : The account status indicates " Closed, '' but no information is provided about the closing date or any associated details. Please verify and update this information for accuracy. 
Additionally, I would like to state that this account was consistently paid on time and never late. The current information does not accurately reflect this fact and unfairly affects my credit report.