davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I applied for Public Service Loan Forgiveness through the Temporary Expanded PSLF limited waiver after consolidating my current loans to fit the then temporary criteria for loan forgiveness. My application was approved and my Perkins loans consolidated under the new Consolidated loan. That was XX/XX/XXXX. I have had my counts towards loan forgiveness tracked and MOHELA shows 122 payments. I know that 120 payments qualifies me for the loan forgiveness, however I have reached out on 5 occasions asking the count be corrected as my total count should be around 187 total payments. MOHELA customer service staff do not seem to understand what I am asking them. I explained that I began paying loans back since before the PSLF program started and that my loans repaid since XX/XX/XXXX to my last verified employment for the PSLF should be counted. MOHELA continues to only count dates starting in XX/XX/XXXX to current date as my qualifying payments. That is partly incorrect. My qualifying payments have been since XX/XX/XXXX when the PSLF program began. I have overpaid by 5 years under the new temporary rules of the temporary PSLF program. I explained that I have been paying my loans back while working for this same qualified employer since XXXX. I would like my count to reflect the date starting in XXXX not XXXX. I have asked MOHELA to update several times. I sent proof from my old student loan lender XXXX showing my payment history. I have called MOHELA several times only to be told inaccurate statements. I told the customer service people to put me in touch with whom handles the count and they have no information on who handles count they say. They just keep saying the count is being reviewed but I don't see any changes nor has anyone been able to give me reassurance that my count will be adjusted. Though I have far exceeded the qualifying number for 120 payments I do push to have my total count be reflected accurately in the event that the Department of Education have the funding to credit and reimburse any overpayments that I have made.
Consumer complaint received 2023-03-18
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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Consumer complaint received 2019-11-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (CA)

I was a member of Section 8 Voucher beneficiary under the County of XXXX XXXX in XXXX, California and also enrolled in one of their other program called FSS ( Family Sufficiency Program ). One of the goal of the program is to help members to become self sufficient again by obtaining a stable job and obtaining a decent house and be out of other Government programs and benefits. The program also requires member to get Financial and Credit Counselling in preparation for First Time Home Purchase. Last XX/XX/2019 I attended the Counselling/Orientation for First Time Homebuyer Program of NACA ( Neighborhood Assistance Corporation of America ) held in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. and I was registered as a prospect member with NACA ID # XXXX and was assigned to counsellor named XXXX XXXX, which I never neither met or have conversation. I filled up all the necessary forms of information and requirements about my case and housing situations. Since then, I have been in contact in them through emails and phone calls. I have gathered all my papers and documents ( Letter of Verification of Housing Assistance from Housing Assistance Office, Employment Verification, Pay Stubs, Bank Statement, Proof of Identity, Drivers License, Social Security and other Personal Information ). Last XX/XX/2019, NACA had its BIG EVENT held in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I attended the finalize my first time Home Buying goal and to submit other requirements and meet a Counsellor. They had me log in the computer to finish my membership requirements through the members portal. Then had me sit and wait to meet a counsellor, the called me after more than an hour and took all my documents and information including Bank Account Number and Routing Number. But after sitting for an hour with her and providing everything, another Counsellor who just happened to walk in her desk just said my application is not going through because the program was SUSPENDED. And had me just walk away and leave the event. The counsellor just simply told me, GOOD LUCK AND KEEP IN TOUCH!!!
Consumer complaint received 2019-10-17
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. (FL)

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 


XXXX Reported : XXXX. XXXX, XXXX {$910.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX DOB XXXX XXXXXX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-18
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Second Round Limited Partnership, Austin, TX Branch (FL)

On XX/XX/2019 I sent Second Round Sub , LLC a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. Second Round Sub did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to Second Round Sub , LLC and they continue to report negative information to my report and did not respond to my letter with the proper information, which is a continued violation of FCRA. Their reporting is a violation and continues to prevent me from moving forward with my life and preventing me from providing a better life for my family. Than you in advance for all of your help.
Consumer complaint received 2019-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

On XX/XX/2019 I sent a dispute letter to Fed Loan Servicing about the student loans they claim I owe. I asked them to send me verifiable information for the accounts and the information that they sent me did not constitute the {$210000.00}. They sent me a promissory note from a school and had a lot of information redacted and if this was supposed be a document that was mine it should not have had information withheld and if one school has charged this amount of than they were doing some money laundering and should be charged Federally. They sent me an itemized bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to Fed Loan Servicing and they continue to report negative information to my report and did not respond to my letter. Their reporting is a violation and continues to prevent me from moving forward with my life and prevents me from finding means to provide for my family.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2019 I viewed an update copy of my credit reports and noticed that Capital One Is reporting incorrect information on my credit bureaus file. Capital One is reporting that this closed Credit Card account has been included in a Chapter XXXX Bankruptcy. I have previously on " XX/XX/2019 '', " XX/XX/2019 '' and XXXX XXXX disputed this closed credit card account directly with Capital One. Capital One responded back to me each time that I am claiming " Account Fraud '' and that they will not investigate due to limited information. ( please see attached letters from Capital One ). 
I have never documented in any of my disputes to Capital one " Account Fraud ''. I requested to them in writing that they are reporting incorrect information to the credit bureaus that should be deleted immediately. Capital One last reported this incorrect information on XX/XX/2019. As of XX/XX/2019 I do not have an active or closed Bankruptcy filed under my name or my SSN. ( Please see highlights on attach file showing Proof of no bankruptcy file. )
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (WA)

Good Morning, Today Experian emailed me stating that there was a change on my credit, knowing that I have not touched any part of any credit anything I was extremely alarmed so I called the number Experian provided, the number they told me to call and the number just routes me to an automated service that sends me back to the website, after hours of trying to reach a live person to no avail I have emailed them up to 50 times with no response ... 

I have been VERY diligent about my score because I have been trying to buy a home so as you can see I would be VERY VERY on edge if something were to affect my credit. 

experian reached out with a number that will not allow me to do anything but go online THIS IS UNBELIEVABLE THIS IS HARRASSMENT THIS IS INSANE WHY DID THEY EMAIL ME A PHONE NUMBER THAT TELLS ME TO GO ONLINE AND WHEN I GO ONLINE THEY TELL ME TO CALL!!!!!!!!!!!!! 


I WANT ANSWERS - I WANT AN OFFICIAL COMPLAINT AND OFFICIAL ACCOUNTABLILTY EXPERIAN HAS TOTAL ABSOLUTE CONTROL OVER MY PERSONAL FINANCIAL WELL BEING AND THEY ARE ABSOLUTELY UNPROFESSIONAL, NOT AVAILABLE AND WREAKING HAVOC ON MY PERSONAL WELL BEING THIS WEEKEND BECAUSE WHO COULD RELAX OR HAVE ANY PEACE WHEN THEY SOLICIT YOU TO CALL THEM BECAUSE OF NEW ACTIVITY THAT IS DEROGATORY AND WHEN YOU CALL THEY TELL YOU TO GO ONLINE AND WHEN YOU GO ONLINE THEY TELL YOU TO CALL THEM???????!!!!!!!!!!!!!! 

WHAT THE XXXX XXXX?????? 
THIS IS PSYCHOLOGICAL WARFARE THIS IS CRAZY
Consumer complaint received 2019-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Received bill for tolls by mail. The bill showed me as a class 1 vehicle in one direction and a class 4 vehicle in the other. I was in a class 1 vehicle in both directions. Same vehicle, same license plate as shown on the bill. I notified XXXX XXXX and XXXX authority by mail and included payment of the corrected toll by postal money order. They ignored my notification and continued to bill me the additional money adding on fines as they went. They gave the account to Transworld Systems in XXXX OH. I sent them all my paperwork along with a letter outlining the problem. They have ignored my proof of payment and continue to bill me for the extra toll and fines. 
I think XXXX XXXX is acting in a capricious and arbitrary manner, ignoring my proof of payment. I tried to file a complaint with the XXXX  but was turned down, as it is outside of their ability to address a concern with a state government agency. I am attaching my correspondence that is dated and speaks for itself. 
Thank you in advance for any help you can provide.
Consumer complaint received 2020-03-16
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I took a taxi in XXXX XXXX  XXXX, used my Chase Sapphfire Reserve credit card and was charged {$1100.00}. This was fraud as the taxi ride was only {$11.00}. I have submitted two fraud claims to Chase, both being denied due them stating the transaction was valid, as my card was used before and after for valid transactions and my chip was used. I did not authorize the amount of {$1100.00} for this taxi ride. Please help me get this fraud claim approved.
Consumer complaint received 2019-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I opened Capital One account in the morning of XX/XX/XXXX by visiting one of your locations in XXXX, MA. In the evening of the same day I attempted to link an external bank account to my Capital One account and was not able to do so. 

I telephoned Capital One to inquire about the problem and learned the following things : 1. The combination of my name and my phone number was not stored in some Capital One internal database and therefore Capital One, as I was informed by one of your associates named XXXX XXXX XXXX. XXXX, MN that Capital One banking products and banking platform is not appropriate for customers like me. 

2. The same individual named XXXX, informed me that Capital One is only serving customers who can directly and effectively communicate with Capital One associates like XXXX over the phone in XXXX or XXXX. Capital One refuses to serve customers who can not effectively communicate in XXXX or XXXX and prohibits the use of interpreters when communicating with Capital One. 

3. When I contacted Capital One throuhg an XXXX language interpreter, Capital One blocked my account completely claiming that some sort of criminals possibly from a XXXX group associated my ethnicity was trying to break American banking system. 

None of the requirements that a ) my name and phone number should be listed in an internal proprietory Capital One database or a database of one of its business partners, and b ) Capital One must have an ability to communicate effectively and directly with the customers in XXXX or XXXX, are listed in Capital One 's disclosures.
Consumer complaint received 2019-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

CHECK HOLD BY WELLS FARGO FOR A DEPOSITED CHECK FROM XXXX XXXX CHECK HOLD VIOLATES WELLS FARGO CHECK HOLD POLICIES CHECK DEPOSITED XXXX XX/XX/2019 REASON GIVEN TO ME FOR CHECK HOLD : WE HAD TO BE SURE WE GOT THE FUNDS FROM XXXX XXXX.
Consumer complaint received 2019-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CT)

I went to the XXXX XXXX XXXX TD Bank location on Thursday, XX/XX/2019 after I got out of work to use the atm. Naturally, the bank was closed, so this was the only option. After I deposited my {$78.00} into the atm, it jammed and asked me on-screen to enter the amount of money I put into it. I did so, and it forced the deposit into my account, while printing a receipt for this. The next morning, I wake up and notice that only {$58.00} of my {$78.00} has been deposited. I drive from three towns away to speak to an employee, as the phone number listed on the receipt and online makes it virtually impossible to speak to a real person, and they tell me that machine jams happen " all the time '' and that " they only found {$58.00} in the atm when they opened it up ''. I'm sorry, but should I be held liable because of employee error, or the fact that it could have gotten cycled into the machine unlike the rest of the money and they did not look and consider this? Furthermore, couldn't it have been possible this happen to other people the same night before me, as this " happens all the time '', and there were multiple transaction errors? Instead of providing me with any assistance, this employee make it clear he wasn't going to do anything about this, and walked away to the other end of the store to make someone else deal with it. I have not been provided with a proper deposit slip as it says " error '' online, and the one I have clearly is not that if they didn't give me the amount printed on it.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My second mortgage with Bank of America was charged off XX/XX/XXXX. At that time we agreed to a settlement amount of {$25000.00} with a initial down payment of {$10000.00} with a monthly payment of {$310.00} to be withdrawn directly from our Bank of America account on the XXXX of every month. We have been making this payment since XXXX and have NEVER been late. I checked my XXXX  account and it shows that there is a Bank of America charge off listed  with an amount of {$75000.00} with a balance of {$47000.00}. It also shows on our credit report that we have been listed as FP failed to pay for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and FP for XXXX, XXXX and XXXX of XXXX. We have bank statements and the original settlement agreement with Bank of America that prove we have NEVER failed to pay the agreed amount. The XX/XX/XXXX FP failed to pay report lowered our credit score 11 points, right at the time we are trying to refi our current mortgage. We would like the FP failed to pay be removed from all credit reports for all months starting in XXXX up to XX/XX/XXXX and for Bank of America to show the settlement amount and the balance.
Consumer complaint received 2023-03-18
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. (MI)

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 corrected : XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$3100.00}