davidheineman/consumer-finance-complaints-large huggingface dataset:
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was placed as an authorized user on a credit card without my knowledge, after going to that person and asked that they remove me they did. after 30 days of it still showing on my credit report. we called they " confirmed '' i was removed. after 90 days it was still showing, so i disputed with XXXX XXXX XXXX and XXXX XXXX. its now been 6 Months all disputes were denied. I called Capital One only to find out i was never removed as a authorized user. I requested to be removed and capital one said to call on Monday. This inaccurate information has caused me to miss opportunities, my own credit cards and other loans due the the users bad/inaccurate reporting.
Consumer complaint received 2022-11-14
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. (CA)

The incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. Their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

Formal Complaint Against MOHELA for Failure to Implement Public Service Loan Forgiveness ( PSLF ) To Whom It May Concern, I am writing to formally file a complaint against MOHELA for their failure to implement the Public Service Loan Forgiveness ( PSLF ) as mandated by federal law after my completion of 120 qualifying payments. Despite fulfilling all the requisite criteria set forth by the Department of Education and the PSLF program, I have been met with administrative hurdles, lack of clarity, and ultimately a failure to forgive my loans as promised.

Chronological Overview of Events Initiated loan repayment plan on XX/XX/XXXX. 
Completed 120 qualifying payments as of XX/XX/XXXX. 
Submitted PSLF application on XX/XX/XXXX. ( Several prior attempts as well. ) Application on hold pending processing as of XX/XX/XXXX. 
Attempts to Resolve the Issue I have reached out to MOHELA 's customer service multiple times to resolve this issue. Each time, I have been given vague or contradictory information, complicating the process further. Despite supplying all necessary documentation to prove my eligibility, my application for forgiveness continues to be denied. 

Violation of Federal Law I believe that MOHELA 's actions are not just an administrative error but a violation of federal law concerning the Public Service Loan Forgiveness program. They have failed to honor the commitment made to borrowers who dedicate their careers to public service.

I kindly request that the CFPB investigate MOHELA 's business practices related to the PSLF program. I also request that actions be taken to ensure MOHELA complies with federal regulations and proceeds with loan forgiveness as stipulated in the PSLF program.

I am prepared to provide further documentation or testimony if required. I look forward to a prompt resolution to this serious issue.
Consumer complaint received 2023-10-14
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 XXXX  Account # ( LISTED BELOW ), 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. XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Chap XXXX XXXX. I didn't say that's its incorrect. I asked to remove it because I'm a small business owner and my vendors have dropped me because of XXXX now remove the accounts or I'll sue for violation of my rights under the constitution!!!!
Consumer complaint received 2023-10-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: First Technology Federal Credit Union (WA)

On XX/XX/XXXX I placed a Membership Savings application with First Tech Federal credit union, bearing the Online Reference Number : XXXX. On XX/XX/XXXX I was asked for documents such as Driver License and Social Security Number and I provided all the needed documents. On XX/XX/XXXX I received an email from First Tech saying " Thank you for your recent share account application, XXXX. Unfortunately, we are unable to approve your request at this time for the following reason : We are unable to validate the information provided. '' I called First Tech on the phone and asked to know which information they were not able to validate, the representative said that he can not get this information and that I will get a callback from a representative. First Tech never called back. On XX/XX/XXXX I sent First Tech an email asking " XXXX you please tell me which information you were not able to validate, and which information should I provide again for you to be able to validate it. '' First Tech never replied.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The three main credit bureaus do not have accurate information on my credit reports. 
They are impossible to reach either though their individual sites as well as the contact numbers they provide. 

Due to their inaccurate information, my FICO scores are not only below that they should be, the decline with no specific information given by the credit bureaus. 

Two  issues that they have incorrect is they show I have no installment loan and according to their models, this hurts my credit  score. If fact, I do have an auto loan that they showed all of last year but for some reason fail to show it now. 

They also show a debit balance on my credit card that has impacted my score by XXXX basis points. When in fact, I have a credit balance. It appears they looked at the credit balance as a debit balance. 

My FICO scores should be much better than they are reporting. I track them and the information provided several times a month. 

I often receive a notice that their sites are down and when calling their contact numbers only get into a calling tree that does not allow me to reach a representative. 

Thus my scores are now so low I am not able to gain a favorable mortgage rate. 

I've been frustrated with these " for profit '' credit bureaus as long as I can remember. 

Any assistance would be greatly appreciated.
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. (NC)

XXXX XXXX is reporting that I have a collection balance with them for {$90.00} left over on an account that was closed back in XX/XX/2012. I don't remember having this account, but nonetheless I wanted it off of my credit report. So today, I called XXXX XXXX to pay it. I gave them the account number they were reporting, my name, address, ss #, etc ; and they told me that they had no record of the account. So since they do not give me an avenue to resolve this debt, I want them to take it off my credit report.
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: EQUIFAX, INC. (NC)

XXXX XXXX is reporting that I have a collection balance with them for {$90.00} left over on an account that was closed back in XX/XX/2012. I don't remember having this account, but nonetheless I wanted it off of my credit report. So today, I called XXXX XXXX to pay it. I gave them the account number they were reporting, my name, address, ss #, etc ; and they told me that they had no record of the account. So since they do not give me an avenue to resolve this debt, I want them to take it off my credit report.
Consumer complaint received 2023-10-13
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. (TX)

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

15 U.S.C 1681 section 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 2023-10-14
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. (IL)

Improper and inaccurate information on my Credit Report, from Equal Fax that in includes. False information from XXXX XXXX, that was Prepaid in full by where of ALL ACCOUNTS are Prepaid see. Title 31 section 3132 Payment of the public interest on the public debt. see title 31 section 3130. Title 18 section 8 Obligation or other security of the Unites States, more importantly see Title 31 section 3124 of the United States Exemption from Taxation. MCM is harassing causing Irreparable harm and trying to extort me of an amount of XXXX where it is paid to the Bearer in full whereas by Law they must Accept for Value and return the debt instruments legal tender of the United States which in the UCC 3-306 / UCC 1-304 / UCC 3- 306 without prejudice and recourse 1-308. This is EVIDENCE OF DISHONOR. again, MCM ( violation of 15 U.S.C 1692b ( 2 ) ) a state i do not live in and is Tring to collect a DEBT of XXXX that's prepaid in full XXXX # XXXX, that was ( XXXX ). Also First premier Bank balance was paid in full XXXX # XXXX XXXX XXXX XXXX, These accounts was paid off ( XXXX ) to the XXXX either by, insurance or. using my social security card trust fund account without my permission filing a 1099a allegedly. Wherefore XXXX XXXX  use this fraud information to lower my XXXX XXXX wantonly, and deliberately. Some of or all of these company 's reporting to XXXXXXXX XXXX  does not have pursuant FAFA of XXXX as amended. Violation of UCC 3-305 ( c ) and 3-601. for I'm left without action or recourse _NO REMEDY AVAILABLE. " Liability DISCHARGED, without prejudice Pursuant to UCC 1-207, 3-305 and 3-601. Receipt of government " benefit is under PROTEST, pursuant to UCC 1-207, 1-308 and 3-305 ( c ). Wherefore I am already a victim of Equal Fax security breach from 2017. 15 U.S.C 1681 section 604 ( 2 ) States i have a right to privacy. this is willfully FCRA violations in which i Fraudulent willful intent by two or more Officials, whereas in title 18 U.S.C 2831 is Treason. U.S.C section 1692 ( F ) unfair practices ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) - ( A ) ( B ) ( C ) - ( 7 ) ( 8 ) as amended Oct 10 2023. 15 U.S.C 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) ( i ) ( ii ) FCRA 623 and FDCPA violations 15 USC 1692c ( c ) and to many violations to mention unbeknown to me at the time of complaint.
Consumer complaint received 2019-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

This has been going on for about 20 years, my name was forged on a document and they keep telling me I have to file a forbearance ... I have never heard of this college, I am XXXX and would never take out this kind of money.
Consumer complaint received 2023-10-13
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. (NM)

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

15 U.S.C 1681 section 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 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (SC)

XXXX, XX/XX/2023, I called Discover Bank at XXXXXXXX XXXX XXXX with instructions to issue a Cashiers check. The agent processed the check without asking who I wanted to check to be payable to. When I let her know she didnt ask who the check would be payable to, she said no problem, XXXX get someone to help reverse the error. I was transferred to a second level who informed me I would have to wait XXXX business days before the funds would credited. I asked for a supervisor and was told the same. I explained I didnt have the funds to send for a second check and needed my money credited back. These proceeds were for a legal settlement. The supervisor refused to credit my account while acknowledging their error. How can they refuse to credit my account for their error?
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, 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. (CA)

XXXX XXXX XXXX made a hard inquiry on my account with identifying information on XX/XX/2018. 
I contacted the customer service of XXXX XXXX XXXX XXXX immediately to inquire and on XX/XX/2018, I requested the information be removed since I have no prior business relationship with the firm or have not authorized this illegal inquiry or gave my consent to any other third party to act on my behalf. I was instructed to dispute with the credit reporting agency, Transunion. 
I contacted Transunion concerning this issue on XX/XX/2018 and today XX/XX/2018. I stated that the information on my credit report is inaccurate and requested a dispute be opened for the inquiry, however, I was shut down and told that the FCRA does not cover an inquiry even when it's unauthorized. 
I sent an email to XXXX XXXX XXXX and Transunion with an affidavit stating the inquiry was unauthorized and illegal and needs to be corrected.
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. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I have reached out to XXXX XXXX XXXX at Truist Banking which he did call and I went to see him to submit my court-certified POA paperwork pertaining to my mother. XXXX XXXX stated after a week that the paperwork was denied because the paperwork was not in the correct order. he said someone else has power of attorney over my mother which is impossible due to the fact that she has XXXX, I have been her POA since XXXX and the court has not revoked my paperwork. I tried contacting XXXX XXXX by phone and by email and have not received a response on this matter. I have asked for the denial letter from the company as he stated it was not accepted and to take it back to the courthouse in XXXX XXXX and they might provide me a letter. I am requesting that this bank freeze her account due to the mishandling of her funds.
Consumer complaint received 2018-10-19
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: Experian Information Solutions Inc. (KS)

In the previous Complaint number : XXXX - I sent to Experian I said the following : " Please reach out to the credit bureaus as well as XXXX XXXX to remove 4 people from receiving offers at my address. These 4 below people DO NOT live at my address and are not associated with me or any of my family members in any way. Please remove from getting unsolicited offers from these people specifically for any bank as well as XXXX XXXX. I received 4 pre-qualified offers in the mail for these 4 below people. We do not want to receive these again, please. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I did never say in any way that I wanted myself to be removed from pre-screened offers ... I said I do not want to receive pre-screened offers for those 4 people specifically. So now theres a separate issue. I myself, XXXX XXXX want to receive pre-screened offers. But i do not want to continue to receive those 4 people information to our address.
Consumer complaint received 2023-10-13
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. (AL)

You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right.

The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after two written requests, is also evidence of your willful disregard of Federal Law.

Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request.

The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law, and the Court will order you to delete them. 

You say that you have reinvestigated, and/or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is parroted information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of 1681 ( a ) ( 4 ) of the FCRA.

In my previous formal request and correspondence, I asked you to give me the name of the person in your company who verified the accuracy of these accounts, but you also ignored this request, which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ), if you fail to comply with this Federal Law.

I will repeat myself, and state that I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

Account name Account number roadrunner XXXXXXXX XXXX XXXX INQUIRIES I DID NOT APPROVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX