davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

The US Federal Student loan program has restarted loan collection. The program has been postponed on two fronts. 1 ) COVID Pandemic and 2 ) President XXXX XXXX 's effort to seek loan forgiveness through the legal channels. 

The COVID Pandemic has end and the Presidents efforts were not successful.

The US Department of Education outsourced the collect of the loans to a dot com company Mohela. This is where the issue begins. 

XXXX of 2023 is the month for the billing restart, however Mohela has not mailed any billing notices to the loanees. Normal business practice for almost all businesses is to send a bill showing the account information, payment amount and date due. 

Mohela has intentionally avoided normal billing process. They have have not mailed any billing information. This permits Mohela to force loanees into default status. If you are unaware of the bill, due date, and penalty, then there is a very high percentage chance that you will be leveraged into default for non payment. 

Leveraging loanees into default is a strategy used by the dot com Mohela. It is unethical, and not legal. In a word, it is wrong. 

Mohela has been aware, for most of 2023, that the loan collection restart for the month of XXXX. Mohela stands to make perhaps millions by forcing default. Students on a payment plan which goes into default, loses reduced payment status immediately, and transitions to the highest possible payment scenario. A loan repayment with monthly installments at {$250.00} could instantly become a {$1000.00} or more while in default. The remedy to default is very laborious and should be avoided. 

Mohela is manipulating the default by bypassing the standard procedure of sending out monthly bills at the restart of loan collection. No notice was sent by Mohela, who tries diligently to force you to go online to open an account at their dot com web site. Many loanees do not have access to the web or choose not to use their website. This should not prevent Mohela from sending bills in advance of due dates. 

Mohela 's bypassing of the billing process is highly suspect and most likely illegal. 




# In addition to the complaint category selected there are other categories which also apply including : *Trouble with how payments are being handled *Received bad information about your loan ( no information, incorrect, incomplete, or inaccurate information ) *Need information about your loan balance or loan terms
Consumer complaint received 2023-10-14
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. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2018-10-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZARVAD III S.A. (LA)

I TOOK OUT A PAYDAY LOAN A WHILE BACK WITH MYPAYDAYLOAN.COM FOR {$1400.00}. I PAID THEM BACK WHAT I COULD AND THEN IT WENT INTO DEFAULT CAUSE I GOT HOSPITALIZED. THEY LOAN AGENCY TOLD ME THEY WERE OUTSOURCING THE COLLECTION OF THE ACCOUNT TO XXXX XXXX XXXX. NEVER HEARD FROM XXXX AND THEN ALL OF A SUDDEN I STARTED GETTING VOICEMAILS FROM XXXX XXXX XXXX OF XXXX, NY. THEY HAVE CALLED ME FROM SEVERAL DIFFERENT NUMBERS AND GIVE ME NAMES FOF XXXX XXXX AND XXXX XXXX, BUT IT SOUNDS LIKE THE SAME PERSON. THEY HAD ME SO FREAKED OUT CAUSE HE SAID HE WOULD SUE ME FOR THE PAYDAY LOAN. HE ALSO CALLED VARIOUS MEMEBERS OF MY FAMILY AND MY SUPERVISOR AT MY JOB AND KINDA TALKED TO HIM ABOUT ME AND THE DEBT. HE CALLS FROM XXXX, & XXXX EXT XXXX FILE NUMBER XXXX. I HAVE BOTH VOICEMAILS SAVED ON MY PHONE AND I HAVE A LETTER ALSO FROM THEM CONCERNING PAYMENTS. I WAAS STUPID AND PAID TWO MONTHS TO THEM ALREADY THEN DID SOME RESEARCH ONLINE AND IT SAID TO NOT PAY THEM ANYTHING AS THEY WERE A SCAM, AND USING SCARE TACTICS TO GET PEOPLE TO PAY. NO LONGER WILL MYPAYDAYLOAN WORK WITH ME EVEN THOUGH I HAVE TRIED TO EXPLAIN TO THEM WHAT THIS FLY BY NIGHT SCAM IS DOING.
Consumer complaint received 2018-10-19
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. (FL)

I Have been disputing this account named XXXX XXXX  for some months now, i inform all the credit bureaus that the account don't belong to me and that it was a result of identity theft but they keep update the account instead of removing it from my report.
Consumer complaint received 2023-04-28
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. (NC)

This is XXXX XXXX and I am submitting this CFPB Complaint asa follow up to the 1st round Complaint I recently submitted. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX requesting the Credit Bureaus to remove the Accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$710.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$580.00} XXXXXXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} CXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2018-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (MA)

On XX/XX/18 I pd monthly payment of {$450.00} @ that time asked how many payments left due to my 6 yr loan was reaching maturity. I was told XX/XX/18 was last payment, but I had rolled over 6 payments to the end of the loan when I had lost my job, so I figured it was 6 more months after XXXX. But I was informed that in XXXX I would owe my last payment of {$450.00} & an additional {$13000.00} for interest accrued for 2 payments that were 60 days past when I was out of work. ( BUT I HAVE MADE A MONTHLY PAYMENT ALWAYS ) I was in shock & stated I could not pay this & new nothing about it. He stated that letters were sent to my online account ( WHICH I DO NOT HAVE ) & they did not need to send me anything in writing. At this time I asked what happens if not paid & was told even though loan had reached maturity they were going to REPO my car in XXXX for the interest owed. They stated that they DID NOT NEED TO SEND REPO PAPERWORK BY MAIL & would just take the car in XXXX. BUT he also stated that EXETER FINANCE CORP out of TEXAS could decide to WAIVE the $ $ $ or LEAVE it what is was & make me pay $ $ it. They make the final choice. I NEED HELP before it gets to the point of them taking my car after I paid if for 6 years & DON'T GET HOW THEY CAN XXXX  IT IF THEY CHOOSE OR MAKE YOU PAY SUCH AN OUTRAGEOUS AMOUNT OF MONEY. I have NO DOCUMENTATION due to the fact that they NEVER mail anything to me & I have requested numerous times to have things sent to me & they IGNORE MY REQUEST
Consumer complaint received 2018-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I opened an account with Santander bank online on XX/XX/2018. I opened this account because they sent me a promo bonus in the mail. The promo promises to grant {$220.00} to an individual that opens a Simply checking account with Direct deposits that equal over {$900.00} within 90 days. After that the {$220.00} promo bonus is supposed to be added to account. I called the first time about this situation on XX/XX/XXXX and spoke with a bank rep that stated she will open a case about the inquiry. I called back a week later, and spoke with another representative that told me that the case was reviewed and closed and it was denied by the marketing team because I supposedly opened an account a year ago. 

When I opened the account the first time was never officially opened because they delayed to process the signature form that was signed off by me to open my account more than a year ago. I also never used a promo code or received any promo bonuses whatsoever the first time I opened an account with Santander. 

A few days ago, I spoke with a marketing representative from Santander and explained the situation again to her. Her name is XXXX and her number is XXXX. She stated she will reach out to me in a couple of days. 

I would like to open a case through this portal to ensure Santander keeps its promise.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. The accounts XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Harmon Law Offices, P.C. (MA)

Once again XXXX XXXX XXXX XXXX XXXX now represented by Harmon Law PC ( attorney XXXX XXXX ) is attempting to use the name XXXX XXXX again, this time on foreclosure actions and has already been told to stop using it, and XXXX promised to stop using it!!. XXXX XXXX was on the XXXX deed as Co Joint Tenant meaning his name is removed at death which ocurred in XXXX and XXXX already has the death certificate. I am demanding Harmon Law PC and any other representative of XXXX XXXX XXXX XXXX  XXXX stop using it!! IMMEDIATELY!!!
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: COMMERCE BANK (IN)

I had a credit card with Commerce Bank. While I had charges on the account, I was paying the billing per the amount requested and on the due date in the approximate sum of $ 100+ per payment. I never receive any statements from this creditor and I never requested digital copies as I prefer paper copies. My card was misplaced or lost and they reissued a new card and new number. All of a sudden I have charges in the thousands, and payments in the thousands. I can not now or ever have such luxuries and would not being paying sums of money that were more than the fraudulent charges. I attempted a resolution of this account when the balance was $ 6,000+. Now the account is over $ 17,000+ and the charge limit was and is {$9000.00}. I know that I have been abused by fraudulent charges by someone, but the many thousands of dollars of payments lead me to believe that Commerce may possibly be laundering someone else 's money through my account and who knows how many others. I have no explanation other than that for what has been going on in this account, only that the charges and high payments are NOT mine. Furthermore, high amounts were charged to XXXX XXXX electronics. If I wanted something at XXXX XXXX, I would have used that charge account and not Commerce. This account makes no sense to me.
Consumer complaint received 2018-10-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. As I understand, Federal reporting laws. especially the XXXX XXXX data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable XXXX XXXX compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite XXXX XXXX compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Consumer complaint received 2018-10-19
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)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please
Consumer complaint received 2024-08-20
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-20
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. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

What are these accounts doing on my credit report?? I filed a dispute with the credit bureaus but no word from them! I am so disgusted seeing all these errors messing up on my credit report..The student loan should not be reported on a credit report since this is a government funded loans and only private  accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal ... XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 2024-08-20
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; TXXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.