davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a complaint with XXXX XXXX and called the XXXX XXXX. They verified that the account was paid on time for the months in question but claimed that XXXX XXXX has inaccurate information. This is not true because I had a hard inquiry on my report which indicated that the false late payments were indeed stated on my credit report. This letter has been sent, along with my full name and address to TransUnion and XXXX. 

Amount of Debt : {$26000.00} Provider of Service : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly delete all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be completely DELETED. 

The following derogatory accounts allegations are either, untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : Alleging Creditor and Accounts as is reported as having a late payment my credit report : XXXX XXXX XXXX XXXX Payment History XX/XX/2023 XXXX XXXX XXXX XXXX Payment History XX/XX/2023 I am demanding that this account be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Sincerely,
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (GA)

On XX/XX/2024 I out and noticed I couldn't use mt debit card. I went to the bank to next day and asked why I was having this problem, because I previously had XXXXXXXX XXXX XXXX in my account. The bank XXXX XXXX informed me that XXXX XXXX took out an unauthorized charge of XXXX from my business bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed my account on XXXX XXXX and they stated I closed my account on XXXX XXXX and they stated I had a XXXX balance and a XXXX liability. I explained this information to bank and they opened an unauthorized debit or incorrect debit written statement, because I never gave XXXX permission to debit my bank account XXXX. Furthermore, XXXX closed my account then debited my bank account after my XXXX account was closed and the bank teller told me XXXX has not authority to debit my bank account after the account was closed. XXXX broke the law and its fraud for taking my funds and stating I had a XXXXXXXX XXXX, but XXXX still debited my account. I am willing to press charges on XXXX for fraud and theft.
Consumer complaint received 2024-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (IL)

Servicer : Mohela for federal student aid. 


I am part of the PSLF program. Mohela went under a transitioning period where they placed all loans part of the PSLF ( meaning my loans ) to a new servicing platform. I was notified in XXXX that this would take place and that all loan would be forcibly placed on forbearance during this period to allow the transition to occur. I was very concerned about this forbearance as I knew that capitalization occurs after forbearance. I relayed this to Mohela over the phone with customer service in XXXX and was told that the forbearance was required and that this would not occur. I received a letter dated XX/XX/year> stating " Mohela has competed its Loan Servicing Platform Transition for your student loans. '' Today I received a letter dated XX/XX/XXXX reporting Capitalized interest following the forbearance. I called Mohela and the representative I spoke to was very generic and stated that this occurs. I again enforced the fact that this forbearance was required and not optional. I am hoping to have this remedied and for this interest to be removed as it is incorrect and quite frankly unlawful.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America stole {$300.00} from my checking account on XX/XX/year> and then lied about it. A manager told me a transaction was paid for around {$160.00} worth, even though there was supposedly insufficient funds in our account. They've NEVER done this before. Furthermore, last night around XXXX I checked our account and it was in the black by XXXX XXXXXXXXThis was yesterday XX/XX/year>. Today, XX/XX/year> I've got an account so messed up. My XXXX had to take {$300.00} out of savings to cover this error. A {$50.00} transfer from one account to another, all of a sudden had to be verified. This has never happened before. So. basically, I check my account last night, everythings fine. This morning, I'm {$300.00} short because of their negligence. XXXX XXXX, president of private banking, I want my {$300.00} back!!
Consumer complaint received 2024-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I have automatic payments on my account. The automatic withdrawals aren't aligned with the billing cycle and every month I get an email from MOHELA saying a payment is past due. I have made multiple payments on my account in some months because of these messages to avoid any late payment fees or default. 

I have attempted to contact the company but there are no representatives answering the phone. After close to 10 minutes of hold music the line goes silent with no indication that the call queue is being managed. I tried to submit feedback through their provided feedback link in their email but it leads to a 404 error page not found. 

I am seeking help aligning the payments, which I have scheduled to their terms, with their billing cycles. MOHELA is unresponsive and provides no reliable support methods.
Consumer complaint received 2024-07-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (GA)

My loan was approved for XXXX loan forgiveness in XXXX. My balance is still reflecting a balance of over $ XXXX. I am trying to buy a new home and this is impacting my ability to. I do not want the account removed from my credit report but I would like the balance updated to XXXX and account noted as closed on my credit report.
Consumer complaint received 2024-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NM)

I continued to make payments to my student loan servicer, mohela, while under forbearance because they continued to list my account as owing a balance. I have requested a refund of those payments. I was initially told that it would take 23 business days at most for a refund to be issued Now that 23 business days have passed, I'm being told that it can take up to 90 business days. I do not appreciate the endless deception or constant change in policy. I also do not appreciate that my servicer has changed 3 times in the last 10 years.
Consumer complaint received 2023-04-13
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. (CA)

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.
Consumer complaint received 2024-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I have a Parent Plus loan with Mohela. Today I called them and spoke with XXXX. I wanted to apply for a hardship forbearance for my loan, of which the first payment is due XX/XX/year>. Before calling, I went to the Mohela borrower portal. All of the balances on my loan are {$0.00}. 

XXXX advised that Mohela was moving to a new website and that she could not see my loan information. I was advised to call them back in XXXX  days and then the agents could see my loan. 

This is completely unacceptable to put the onus on the consumer to follow up, especially on who is looking for assistance. 

My portal states I have no balance due and that my account is in good standing.
Consumer complaint received 2024-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

Mohela refuses to send me documents pertaining to my loans they took over in XXXX. I tried to get help by complaining about them online multiple times. The Ombudsman Group for the Department of Education keeps closing my online complaints on studentaid.gov without addressing them! It has been every complaint Ive filed regarding Mohela in XXXX. At least 5 have been filed online. Who are these people that have no empathy or compassion for others? They are NOT doing their job! Since XXXX I have been trying to get help. But most recently, I called Mohela XX/XX/XXXX and requested all of what XXXX sent them when they took over my loans. I was told it would be received in 30 days. As of XX/XX/XXXX I still dont have what I asked for. I called Mohela on XX/XX/XXXX and was told I will have the documents in 2 weeks from today. I called again XX/XX/XXXX today and was told they will send it and it will take 2 weeks. They are not sending my documents. Who can help me with retrieving the payment documentation including all payments made by me and Pell grants received that XXXX sent to Mohela. They are liars and have not mailed what Ive requested 3 times already, with the first being almost 60 days ago! 

Is there a human being that can help me? Please let me know.
Consumer complaint received 2024-07-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I'm trying to buy a house and I've realized that I have damages on my credit report. According to the 15 U.S.C 1681 law, there shouldn't be any damages on my report. It's a defamation to me character
Consumer complaint received 2024-07-18
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: ENCORE CAPITAL GROUP INC. (MD)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXXXXXX Maryland FCRA Laws Dear MIDLANDCRE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws applicable in XXXX XXXX , Maryland.

It has unequivocally come to my attention that MIDLANDCRE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Maryland state law emphasizes the necessity of consumer consent for credit reporting. XXXX XXXX 's identity fraud laws underscore the severity of unauthorized access and misuse of personal information, adding another layer of protection against such violations. 

I assert with unwavering certainty that I have not provided consent for MIDLANDCRE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MIDLANDCRE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Maryland laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Maryland state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MIDLANDCRE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (NJ)

I have found a complaint with XXXX  XXXX XXXX  and West Lake financial company and XXXX  XXXX warranty company I had a car for two weeks that have a bad engine they told me repaired the part they did not do it I voluntarily gave the car back from Westland financial every time I called I could not talk to someone I got the runaround I ask for papers in writing. From Westlake Financial company and also XXXX  XXXX the car dealership told me to get the warranty and it didnt cover anything the car has {$18000.00} worth of damage from the XXXX theyre all working together and I checked my credit report and it was ran like XXXX times this is a fraud. Also on my financial records the car was supposed to be XXXX And they upped the price to XXXX and Ive tried numerous of time to get paperwork to talk to someone.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$500.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$150.00} XX/XX/XXXX XXXX  XX/XX/XXXX {$14.00} XX/XX/XXXX XXXX XX/XX/XXXX {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} XX/XX/XXXX reporting agency excises their grave responsibilities with fairness, impartiality, and a respect for the consumer rights to privacy Pursuant to the fair credit reporting act 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy not granting me my right is in direct violation of 15 usc 1681 and it subsections furthermore. 
My identity has been stolen, and this serves as your official notice. This constitutes aggravated identity theft under 18 u.s.c 1028A by furnishing a consumer report without my written permission, as stipulated by 15 usc 1681b, you have facilitated this fraud. Congress mandates fairness, impartiality, and respect for consumer privacy in the fair credit reporting act ( 15 usc 1681 ). Additionally, 15 U.S. code 1681c-2 requires the blocking of information resulting from identity theft upon request Specific violations Failure to provide validation information ( 12 cfr 1006.34 ( b ) ( 5 ) ) : the collection agency has not provided me with the written validation notice required by law. This notice details the debt, it creditor, and my rights to dispute it Denial of dispute opportunity ( 12 cfr 1006.34 ( c ) ( 4 ) ( I ) without receiving the validation notice, I havent been given the chance to dispute the accuracy of the debt.

False, misleading, and deceptive practices ( 15 usc 1681-s 2 ( 7 ) ( a ) by placing a collection account on my credit report without my proper validation and dispute opportunity, the agency is using deceptive means to collect the debt.

Unauthorized furnishing of information ( 12 cfr 1006.34 ( d ) & 15 usc 1681-s 2 ( 7 ) ( a ) the collection agency has no right to furnish this debt to credit reporting agencies without following the required legal disclosures
Consumer complaint received 2023-06-25
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: Experian Information Solutions Inc. (CA)

XXXX and XXXX are the same institution. 

Due to a recent transfer of government loans providers ( early XX/XX/ ), my student loans are duplicated by all 3 credit agencies ( XXXX, Experian and XXXX ). Current balance totalling {$100000.00} instead of {$50000.00}. 

XXXX sent me an official letter stating the issue they encountered with their system which I already provided to them. 

I have been contacting all 3 credit agencies online and by mail to correct the duplicated balance without having a successful outcome. 

This is affecting my ability to buy a house due the debt is showing on my credit report.
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was scammed out over {$160000.00} from XX/XX/year> to XX/XX/year> via international wire transfers on 11 transactions from Bank of America ( BoA ) for fraudulent investment scams. While a customer is being scammed, he/she does not realize that he/she is being scammed, BoA does not provide any fraud transaction detection nor any fraudulent investment detection system for customers to check or self-examination. My international wire transfers were too weird, and they should be easily identified, but BoA did proceed the abnormal transactions, resulting in customers losing the savings. 
Additionally, some intelligent wire transfer systems have been developed to accurately detect fraudulent investment wire transfer transactions within seconds by XXXX XXXX XXXX XXXX  ( XXXX ) within seconds, BoA may take actions to combat pig butchering fraudulent investment and protect customers ' life savings.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OK)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violatedand that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-17
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-17
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-17
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. (CA)

I am writing to dispute these accounts on my credit report once again. As I previously mentioned, I am a victim of identity theft, and these fraudulent accounts were opened without my knowledge. I have already sent the necessary FTC report to the companies, and they have confirmed the fraud and removed the account. However, I have noticed that your bureau continues to report these accounts, despite its removal by the other credit bureaus. As a credit bureau, you are legally required to ensure that your records are accurate and up-to-date. By not removing these fraudulent accounts, you are not complying with the law and are putting me at further risk. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX