davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

I applied for teacher loan forgiveness to Mohela last XX/XX/XXXX. Within a few days I was approved. I never received a letter or an email but when I logged in to mohela it said I was approved. Its been over a year and still, I have not received loan forgiveness. I have called multiple times. First they said oh its a backlog.. we are extending processing time to 120 days. Then another time ( XX/XX/XXXXXXXX  ) they said " oh we are transitioning to a new platform..wait till XX/XX/XXXX ''. Called again, was on the phone for 2 hours waiting for the supervisor. The supervisor said i will call you back in 5 business days ..her department needed time to research. She never called me but I did get a general email from mohela saying they need 30 business days with an extension of up to 15 days to research my case ( Based on the California Student Loan servicing Act ). More calls were made for updates but no one gives me an answer, they just keep transferring me to someone else. Now they are violating my rights because I have not been given an explanation of what is going on. On XXXX, a supervisor did confirm that my teacher loan forgiveness was approved since last year ( XXXX ). She said it was " written off '' but my balance was still the same. She said she was emailing the loan department to take care of my loan forgiveness ... to give her 5-10 business days. On XXXX, I called again because the initial 30 days plus 15 day extension they needed to research/review my case is now up and i still have not received any notice. The resolution specialist I spoke too, again confirmed that I was approved. She acknowleged that my case should have been taken care of awhile ago. She said she is sending a 3rd email to the loan department to expedite my loan forgiveness. The previous two emails that were sent from prior mohela agents have not been answered. 

I submitted a complaint on XXXXXXXX  to studentaid.gov but it still says " in review '', I complaint to the XXXX, XXXX, and most recently to my congressman XXXX XXXX. I received a response from Mohela through XXXX  saying they are waiting for my loan to be written off... they are lying though. Two previous agents said that they were written off and couldnt understand why my student loan balance was still the same. Again they are lying ... every single time I call I get a different answer.
Consumer complaint received 2024-10-11
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. (FL)

Im processing disputes on my credit report to delete & remove all invalid an inaccurate information that is reporting to my file. I have been a victim of identity theft. None of the accounts listed are following the FCRA guidelines. This has caused major effects to my credit report please review an remove the accounts listed to clean my credit report asap
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Concerto Card Company (OH)

I am starting this complaint so that I can dispute any hit to my business credit score. Out of nowhere, XXXX XXXX decided to cancel my Paypal business card for no real reason. This was at a time when I was going to make a bulk payment for my first trip out of the state. I was going to take only this card and nothing else. How great it is that I happened to see the email or I would have been stranded 3 hours away without gas or the ability to get a hotel ; absolutely nothing. Therefore, I am not going to make a bulk payment. I was going to pay that and then use for whatever other necessary purchases I had. Suddenly, now I am nervous and I am not making any bulk payments on any credit cards anymore. If I can't pay it in full, I'm only paying the minimum. The last thing I need is to pay a credit card off expecting to use it, only to find that the card was cancelled without my knowledge when I am away from home. Every payment was made on time until this happened. I have been trying to log into the links they have sent me for weeks to pay my bill but never have been able to. I have the email chain on hand in the event that they try to hurt my credit score. The only reason the bill has not been paid is that they made it impossible to do so. I don't believe they did this intentionally, but unfortunately, the due date was normally yesterday and I still have not paid it because it says that my account no longer exists. I don't want that interfering with any of the other credit cards and loans on my personal side because I really need access to all of that right now. I have been pre-approved for several things that I may need in the near future and I do not need ANYTHING interfering with that. I recognize that I am rebuilding my credit and trying to rebound, but none of my payments have ever been late. I was in the process of snowballing several but now I think I should be careful even with that too.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

My " myEquifax '' online has absolutely ZERO information on my credit report even though I have XXXX credit card accounts that are valid and current. XXXX XXXX and XXXX are reporting my information correctly and religiously yet Equifax has refused to do so. This is not the first time I am dealing with this negligent anomaly from Equifax.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am reaching out to request the removal of a particular negative account from my credit report. Upon a thorough review of my credit report, I have identified an account that is having a significant adverse effect on my creditworthiness and financial stability.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MN)

Hello. On XX/XX/year>, I received a credit card statement in the mail, for merchandise charged at a XXXX XXXX in XXXX, MN- with a XXXX XXXX line of credit. The account # is XXXX XXXX XXXX XXXX. On my credit report, it shows as XXXX XXXX for the amount of {$4300.00}. Second, I also have been receiving text messages and phone calls from a XXXX XXXX XXXX XXXX group I believe. I never open them, nor do I answer them because I assumed it was obviously spam. Nonetheless, on my credit report I discovered the XXXX XXXX  listing for the amount of {$2200.00}. This is also fraudulent. I am in the process of contacting all three credit reporting companies : XXXX, XXXX XXXX XXXX XXXX either by phone or online with the option to dispute these. I have also contacted XXXX XXXX fraud, and successfully reported it. I have not, however, contacted Synchrony at this time- but will attempt to. Thank you. 

XXXX
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (OK)

Have tried multiple times asking for proof of contract with company and also let them know that there was inaccurate information being reported. I was told that they could not remove it and that it will continue to damage my credit if it wasn't paid. I also let them know I have never done business with them and I have never given them permission to share my private information and they still refused to remove it.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

The account listed on the identity theft report is the result of fraudulent actions and is in violation of our rights as a consumer. Per 15 USC 1681c-2 We have attached : ( 1 ) appropriate proof of identity of the consumer, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer and, ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Per 15 USC 1681c-2, we are requesting the immediate and indefinite block and removal of the accounts that are listed in the identity theft report attached. Per 15 USC 1681c-2, Upon receipt of request to block the consumer reporting agencies have 4 business days to block and remove all of the accounts that are the result of identity theft.
Consumer complaint received 2024-11-19
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. (SC)

I am writing to inform you that I am a victim of a data breach and that the following accounts on my credit report are fraudulent. As per the guidelines of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit file.

Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$740.00} XXXX & XXXX XXXX XXXX XXXX - XXXX - {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, this is stressing me out, I value my credit a lot but the inaccuracies in my report has negatively affected my financial opportunities as well as my mental health, hindering me in achieving financial stability.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXXXXXX XXXXExperianXXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX/ExperianXXXX
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC (NY)

Loan Number : XXXX Issue : The servicer failed to respond to the appeal of my loss mitigation application denial. I submitted a Notice of Error and servicers response again failed to address the lack of appeal. Further, the servicer has evaluated me for different products for XXXX loss mitigation applications. The first denial was due to income. I increased my income and re-applied shortly after and then I was denied for an investor restriction that the delinquency exceeds the maximum allowable amount. I am disputing that this requirement is an investor restriction and whether the servicer asked for an exception to the restriction. Further, I believe that the denial violates RESPA because it is not detailed enough. I want to know what the maximum delinquency is and what does the servicer allege my current delinquency to be. I am attaching all relevant documentation hereto.
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OR)

I have been eligible for PSLF for 13 months. My Federal Student Loan dashboard accurately reflects that I have completed my obligation of XXXX qualifying payments. The dashboard of my loan servicer, Mohela, STILL does not reflect this reality. I have had to request multiple administrative forbearances from the loan servicer in order to avoid unnecessary payments while forgiveness is being processed. I will need to do so yet again on XX/XX/XXXX. 

Once more, I have been eligible for PSLF for more than one year! Both the loan servicer, Mohela, and Federal Student Aid who is handling PSLF and has not yet notified Mohela that my loans must be forgiven should be held to account. This is ridiculous. 

Months ago, I submitted a similar complaint to the CFPB. There was no resolution other than Mohela is " looking into it. '' Will the Consumer Financial Protection Bureau actually do its job this time? Or is a private attorney necessary? My patience is gone.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

XXXX XXXX {$240.00} XXXX XXXX XXXX  {$300.00} XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX BANK {$4700.00} XXXX  XXXX XXXX Acct XXXX XXXX XXXX Acct {$440.00} XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX {$3200.00} XXXX & XXXX XXXX {$290.00} XXXX XXXX {$2000.00} XXXX looked at my Experian credit report on XX/XX/year>, and noticed some things are incorrect or incomplete and not accurate at all. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also, according to 15 USC 1681i ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed too not furnish any information relating to a consumer to reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-08-26
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)

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1- Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries : XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inaccurate employment : XXXX, XXXX XXXX XXXX XXXX Incorrect name : XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (AZ)

Student loans managed by MOHELA were reported XXXX times to the XXXX credit bureau, indicating my loan balance was XXXX when the actual balance was XXXX. My XXXX credit was negatively impacted by approximately XXXX points to this error. My credit report shows that MOHELA closed these duplicated accounts as of XX/XX/2024 instead of reporting the error to the credit bureau, which has again negatively impacted my credit report.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I made a purchase from XXXX for {$630.00}, and the seller sent a defective item ( shoes that had major damage not shown in the listing ), and XXXX refused to honor their money back guarantee, so I filed a dispute with my synchrony bank PayPal Mastercard, and XXXX claimed I had not completed the return, despite having denied the return.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I knew the economy was tough, but after reviewing my credit report, it's painfully obvious which one is in worse shapemy report is full of inaccuracies, and the stress its causing is overwhelming. As a consumer, I have rights that I intend to uphold, but dealing with this situation is incredibly disheartening. What makes it even worse is that the financial toll of these errors is so severe I wouldnt even be able to afford a therapist for the stress, since my cards are likely to get declined with my credit score dragged down by all this false information.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I would like this to be remove from my credit report immediately this has ruined my credit please remove these items immediately XXXX XXXX # XXXX amout of {$270.00}. XXXX XXXX .acc # XXXX .amount of {$430.00}. XXXX. XXXX XXXX. XXXX # XXXX .amount of. {$3900.00}. XXXX XXXX/ XXXX, XXXX # XXXX .amount of {$340.00}. XXXX. XXXX XXXX, XXXX XXXX .acc # XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX2024 Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for my XXXX XXXX  XXXX account. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The reported late payments are incorrect, as I have consistently paid on time or had an alternative agreement. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting inaccuracies misrepresent my creditworthiness, violating my rights under the FCRA ( 15 USC 1666 ( b ) ). 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : False reporting of late payments may also constitute a violation of the FDCPA. 
Truth in Lending Act ( TILA ) : These reporting errors breach the TILA 's requirements for accurate credit reporting. 
Under the FCRA, sections 15 U.S. Code 1681i and 1681s-2 mandate that credit reporting agencies and furnishers ensure the accuracy of information. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline liability for noncompliance. 
Summary of Errors and Discrepancies Across All Bureaus : Late Payments : TransUnion : Reports late payments, including 30 days late in XXXX, 60 days late in XXXX, and 90+ days late from XXXX to XXXX, which are inaccurate. 
XXXX : Similar late payment errors as TransUnion, with reports of 30, 60, and 90+ day late payments during the same timeframe. 
XXXX : Reports late payments, including 30 days late in XXXX, 60 days late in XXXX, and 90+ days late from XXXX to XXXX, which are incorrect. 
Discrepancies in Reporting Details : Account Status : All three bureaus report the account as closed, but only TransUnion provides a closing date ( XX/XX/XXXX ), while XXXX and XXXX omit this information. 
Balance Owed : Consistent across bureaus at {$1100.00}. 
Payment History : TransUnion and XXXX show errors starting in XXXX, while XXXX begins reporting errors in XXXX. 
Requested Resolution I request TransUnion to conduct a thorough investigation and correct these inaccuracies by removing all erroneous late payments from my credit report. Specifically : Remove reported late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
Update the account to reflect accurate, on-time payments for all disputed months. 
I expect written confirmation of these corrections within 30 days of this letter. Failure to resolve this issue may result in further actions to protect my rights as a consumer under the FCRA. 
Attachments Provided : For this dispute, we have included the following documents : A copy of the clients government-issued ID. 
A copy of the clients Social Security Number. 
Bank statements showing proof of timely payments during the disputed months. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX