davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

MOHELA 's poor managing of student loans is cause emotional distress and possible irreversible damage to future credit. 

On XX/XX/XXXX - I submitted IDR application for both lender XXXX and MOHELA. I also sent MOHELA a message on XX/XX/XXXX due to concerns about the XXXX being reviewed before my due date of XX/XX/XXXX. 

XX/XX/XXXX - XXXX emailed to notify that my application was received and approved. At this point I have not heard anything from MOHELA. 

ON XX/XX/XXXX MOHELA finally responded to the email I sent on XX/XX/XXXX and instructed me to submit an XXXX via Studentloan.gov. I panicked because I thought I submitted the application appropriately on XX/XX/XXXX. 

On XX/XX/XXXX at XXXX - I called MOHELA 's customer service number and chose the prompt to receive a call back once it was my turn in the cue because it was a XXXX wait. I never received a call back at all! 

On XX/XX/XXXX at XXXX - I called MOHELA and chose the call back when it's my turn in the cue ( wait time was XXXX mins ). 

XX/XX/XXXX at XXXX - I called MOHELA and stayed on the line while driving to work. After XXXX mins I decided to hang up due to work obligations. 

XX/XX/XXXX at XXXX - I called MOHELA and after XXXX they hung up on me. 

XX/XX/XXXX at XXXX - I called MOHELA and waited a total of XXXX hours and XXXX to be helped. An hour and a half into this call I was able to speak to XXXX ( MOHELA rep ) for 5 mins who stated " we just received the approved XXXX today but won't reflect until next month ) '' and then transferred me to another " agent '' to discuss possibly retroacting the new amount {$37.00} ( original amount due = {$1500.00} ). I explained that I could not pay that amount and would cause financial distress. I explained the above time lines to them and asked why XXXX was able to receive my IDR app so soon and they weren't? They responded that XXXX does not have as many accounts as they do and which is why it took so long to process my IDR. I asked if I could get an extension on the {$1500.00} amount and was informed by MOHELA that if I did not pay the {$1500.00} in full within 60 days then my account would be sent to collections. I asked for 90 days and she stated, " it's a federal loan regulation '' and declined to assist with an extension. 

The delayed response time to process the XXXX application, long customer wait times, and poor solution focused approach to assist people in financial distress is disheartening. " If you don't pay {$1500.00} in full we can't help you. ''
Consumer complaint received 2023-09-18
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. (IL)

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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 an 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. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-10-23
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)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-18
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. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-10-29
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. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX Bankruptcy Account Number : XXXX
Consumer complaint received 2021-01-13
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. (IN)

For the last 2 months the balance reported from XXXX XXXX has been incorrect. One payment of XXXX was made XX/XX/XXXX. I was given a payoff of XXXX which was paid XX/XX/XXXX. XXXX then renigged on the payoff balance after giving me the quote over the phone not one but twice leading me to believe that late fees would be waived. While on the phone the XXXX, a payment was made at a local branch of XXXX and immediately once they saw the payment in the system they transferred me to a different department and told me they were not waiving late fees and refused to close the account til i paid {$280.00}. As upset as I was, I did pay the final payment of {$280.00}. This payment was made the XX/XX/2021. 

I filed a dispute and XXXX did not even fact check and deemed the balance accurate. Even though when you called the number to verify the balance owed as of XX/XX/XXXX, the automated system told you the final payment was made of {$280.00} and the account was now closed. I called Transunion and explained this on XX/XX/XXXX. They told me the case will continue til XXXX verified the amount owed. I wake up XX/XX/XXXX XXXX to an email saying Transunion checked this and the dispute was closed and I still owed {$1500.00}. Transunion did not accurately investigate and closed the case without doing a thorough investigation. This loan is paid in full and needs noted as closed.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (OH)

My wife and I were contacted by Chase probably about XX/XX/2023, or so. They noticed two charges from XXXX that were suspicious, and asked if we had made them. We had not. When looking at our purchases online we noticed an earlier charge from the same place. it was from XX/XX/XXXX, and apparently their software had not flagged that one. We also highlighted that charge. That charge was for XXXX. They then issued new credit cards and took all 3 charges off of our account. We had to look up what agoda.com was. We have never dealt with them. 3 or 4 week later the charge they missed came back on our card, with no notice to us. I did notice it, and have spent a couple hours on the phone with many chase people to get it removed. They claim they did an investigation and it is a valid charge. They did not investigate the other twXXXX charges from the same place. Apparently since their software missed the 1st fraudulent charge either Chase pays for it, or we pay for it. They already allowed the charge. They have chosen to stick us with the bill instead of paying it themselves. During my hours on the phone with them I found it it is for some vacation place in XXXX. We have never been to XXXX. Chase claims to have done an investigation, during which they never talked to either me or my wife. No one in chase seems to be able to take the charge off. Some mysterious investigation group we can not talk to has to do that. I wonder if whenever they miss a fraudulent charge, they stick the consumer rather than paying for this mistake. It is hard for an individual to fight a large corporation. We would be very happy to talk to someone and provide more information. Please help prevent Chase from stealing almost {$2000.00} from us.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my ongoing frustration and concern regarding the numerous attempts I have made to rectify inaccuracies on my credit report. Despite my persistent efforts, the incorrect information continues to adversely affect my financial standing. I am writing this letter in the hope of drawing your attention to this matter and seeking a prompt resolution. 

I am fully aware of the importance of accurate credit reporting and how it influences my ability to secure loans, credit, and financial opportunities. These inaccuracies have caused significant harm to my financial well-being, leading to higher interest rates and missed opportunities for various financial transactions. 

I respectfully request that your bureau takes immediate and thorough action to investigate and remove the inaccurate information mentioned here from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct these inaccuracies, along with a timeline for their removal. Transparency in this process is essential to help me understand the resolution timeline. 

Should these inaccuracies persist on my credit report without corrective action, I may have no choice but to explore legal avenues available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Please assist me to removed the following inaccurate information : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

In XXXX of 2023, I reached out to Citi Bank concerning that I could not log into my online account. I was informed that my account was locked and asked to verify information. I verified all required information and was still locked out of my account. I then reached back out and was told that they could not unlock my account. I asked why not and how was I to access my money in the account and I was hung up on. After multiple attempts to get any type of information other than " the account is locked and I don't have authorization to unlock it '', I received an email in XXXX stating that in 60 days, my account would be closed. I called and was told that in 60 days the account would be closed and a check sent to my address on file. I verified the address. 60 days later on XX/XX/XXXX, I contacted Citibank again and was told the check had already been sent. So I waited a week to receive it. When it did not arrive within 14 days, I reached back out. I was told that they would send an email to their " back office '' and send out a new check. I verified the address on file again. I was told this check would be to me in 10-14 days. I waited and again, 14 days later, no check. This has been a repeated cycle since XXXX. 5 months and the funds are still in the OPEN ACCOUNT, and I am still receiving monthly statements that I can not access and being told I am not allowed access to the account.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (PA)

The lender is forcing the escrow to my account. 
Last year they bought the mortgage from the other lender and they just decided to add the escrow to my account even though I didn't agree on it with them or with the previous mortgage lender. I never received the letter about it but found out during setting up my mortgage payment. During settlement with the previous lender I check the box that I will pay my taxes and don't need the escrow, this lender decide to sent the money to tax collector and pay the taxes even they are paid already they added {$12000.00} to my mortgage and my credit dropped XXXX points because of that. They went and send {$10000.00} for property taxes and thanks god my tax collector didn't deposit the checks, but they credited my account even thir checks were not depositedand i never approved that. I tried to ask them why they are doing that they try to tell me that there is delinquent taxes on my account which wasn't true. I provided all the needed statements, checks and even a certified tax letter and I am just stock with them, they are not willing to listen, they even told me that the township call them and asked for the money that was a lie because I asked township if my bank lender called about my taxes and they said no. They did not stop harassment against me and I think that they are doing discrimination because of my first and last name, that how I feel. I even call them and they are saying that they can do that, even I have all proofs that all taxes are paid. 
PLEASE HELP, DONT KNOW WHERE AND WHAT TO DO ANYMORE.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-09-18
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXXXXXX Balance Owed : {$480.00} XXXX  XXXX Balance Owed : {$410.00}
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CO)

Call from a number that looked like US Bank The gentleman said there was a problem with my account and he sent me an activation code so I could reset it. Had me read him the number and he got into my account and XXXX himself one payment for {$500.00}, {$700.00}, {$450.00}, and 2 {$90.00} transactions. The fraud department opened up an investigation and said it would be 7-10 business days before I received an answer in the mail. After getting the response I called asking for documentation of why they denied it on XX/XX/XXXX. I then spoke to someone on XX/XX/XXXX and they were missing so many details in the investigation that I had originally gave them so they now reopened the investigation and will be another 7-10 business days