davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I applied for Public Student Loan Forgiveness under the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) opportunity on XX/XX/XXXX. Through the TEPSLF I have over ten years of qualifying payments as my documentation clearly indicates. 

In XXXX of XXXX I received a regular mail notification that Mohela would be assuming the administration of student loans and the PSLF and TEPSLF programs. I was informed that they were processing documents and that I should receive an update within 60-90 days. When I did not receive an update in that timeframe, I called Mohela for an update. Below is the log of my calls to Mohela, their responses, and any messages I received from Mohela. 

XX/XX/XXXX - Initial call to Mohela. Spoke with CSR who could not find information about the request. Transferred to manager. Remained on hold for over 45 minutes. Hung up. 

XX/XX/XXXX - Follow-up call to Mohela. Spoke with CSR, who confirmed that my request had been received but not processed. CSR requested re-processing. CSR told me to follow up in XXXX  months if I did not receive notification from Mohela. 

XX/XX/XXXX - Received a message from Mohela with calculations showing that current employment was still not processed. 

XX/XX/XXXX - Follow-up call to Mohela. Spoke with CSR who told me it had yet to be processed, but the information was in the system. She told me to check the system if nothing came through in the next 30 days. 

XX/XX/XXXX - Received a message from Mohela with calculations showing that current employment was still not processed. 

XX/XX/XXXX - Follow-up call to Mohela Spoke with CSR and with a supervisor. Was told by supervisor that XXXX information was in the system, approved, but not processed. Was told it was tagged as a priority and it would be 5-10 days to process. I asked to speak to a manager and was told that the higher-ups don't take calls. Explained I would be filing a complaint with the CFPB and my congressperson. 

This pattern of activity indicates incompetence, negligence, intentional malfeasance, or a combination of all three on the part of Mohela. I am an individual with the time and the understanding of bureaucratic and capitalistic systems to pursue this issue. I can imagine that there are hundreds or thousands of other individuals who will not have the time or ability to pursue this issue in the same way. I recommend that an investigation be launched to determine how many individuals who clearly qualify for loan forgiveness have not received it to date due to Mohela 's incompetence, negligence, or intentional malfeasance.
Consumer complaint received 2023-06-01
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: SYNCHRONY FINANCIAL (NJ)

I've noticed some hard inquiries on my XXXX credit report that i did not authorized. 1 ) the first company is " XXXX XXXX '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below. 
2 ) the second company is " Synchrony Financial '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below.
Consumer complaint received 2023-04-17
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. (NY)

My name is 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 reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2023-06-01
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. (AZ)

I have request Transunion supply me with original documents with my name, signature, DOB, address and any other legal identification connecting me to these accounts. It has been past the standard 30 days and have NOT received anything my physical mail. 
I am still showing accounts and hard inquires on my account that I have requested to be removed. 
XXXX XXXX XXXX  {$490.00} ( I did receive a mail copy from Transunion stating this item was DELETED however it is still showing on my report. ) XXXX XXXX XXXX {$1300.00} XXXX - XXXX {$21000.00} XXXX XXXX XXXX - XXXX {$3500.00} XXXX - XX/XX/XXXX {$1800.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX - XX/XX/XXXX {$6800.00} XXXX XXXX XXXX - XX/XX/XXXX {$2200.00} XXXX XXXX XXXX - XX/XX/XXXX {$3500.00} XXXX XXXX XXXXXX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX$3500.00} There is also hard inquiries. 
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 I have requested numerous times to have all of these removed from my report as this is HIGHLY effecting my score and the future of my family.
Consumer complaint received 2023-06-01
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. (TX)

Incorrect hard inquiries on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

I have disputed with Experian on several occasion regarding the incorrect information on the credit profile they hold under my name and social security number. The first dispute was sent to Experian on XX/XX/XXXX to remove incorrect information from my report. The company claimed to not have been able to identify me. The second dispute was sent out XX/XX/XXXX. The company failed to remove incorrect information including personal information and accounts. The most recent dispute was opened XX/XX/XXXX. Experian again failed to remove these damaging inaccuracies. Due to the inaccurate reporting I have not been able to receive funding, lease a home or car.
Consumer complaint received 2023-05-17
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : 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 2023-06-01
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. (NJ)

I've noticed some hard inquiries on my TransUnion credit report that i did not authorized. XXXX ) the first company is " XXXX XXXX '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below. 
XXXX ) the second company is " XXXX XXXX '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I am a victim of credit fraud on XXXX accounts that I did not open. Avant lending, Pentagon Federal and XXXX XXXX XXXX XXXX insurance was applied for in my name and I did not open these accounts. My information was leaked from my email address XXXX. I have sent multiple disputes for each of these accounts. Please delete these accounts from my credit report.
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Theft of property at XXXX XXXX XXXX, XXXX XXXX, NY XXXX with proof of Satisfaction of Mortgage filed by servicer PHH Mortgage aka XXXX, thefts, fraud, malicious manipulation, and neglect of wrongful filing acknowledgment under oath by XXXX. The previous servicer.manipulation of Insurance claims and fund with XXXX. Abused of elderly mother on the mortgage with me. Just spent over $ XXXX in recent renovations. Fraud.violation of Federal Truth in Lending, billing, and credit reporting act.
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (PA)

I am being contacted by Spring Oaks Capital numerous times a day since XXXX. I have attempted to settle the debt with them for less than what is owed due to the fact that I did not make the charges to the accounts they are attempting to collect on and I need them to stop calling me at my job OVER AND OVER AND OVER again daily. I just want to get rid of them, but they will not stop calling. The debts are very old and I have disputed them with the companies and I am sick of them jeopardizing my job and my mental health. I request that they cease and desist with all further activity since they are unwilling to negotiate and practice illegal collection practices.
Consumer complaint received 2023-05-17
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. (SC)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2023-07-06
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. (LA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days ( about 4 and a half weeks ) and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished in my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN General to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency PERMISSION to report anything on my consumer report which violates my rights as a federal consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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. (TX)

I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.
Consumer complaint received 2023-06-01
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. (CA)

Three accounts fraudulently opened without my authorization. Filed identify theft report as well as multiple police reports and sent to credit bureaus for removal of fraudulent information not belonging to me. They have either not responded or continued to leave incorrect information on report. Have not provided me proof that anything was investigated or verified to date.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (NY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Experian must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

On XX/XX/XXXX, Bank of American posted a charge of {$4500.00} to our business account for an item purchased from XXXX XXXX ( XXXX ). The item was delivered the third week of XXXX ; however, we refused delivery as the item was damaged. 

In the past, when we've had similar issues with XXXX  items, they have issued a refund of our money as soon as they have confirmation that their shipping company has possession of the item. We also made sure to call our customer support rep at XXXX to let them know the item is being returned and why. 

Generally, the refund is back in our account within a week. After XXXX weeks of nothing happening, we contacted XXXX and were given the run around about not being able to locate the returned item. We then went ahead and disputed the charge with Bank of America. 

At the end of XXXX, I contacted Bank of America to get a status update because we had been told by XXXX that the refund had been issued. Bank of America told us that they submitted our claim to XXXX 's bank on XX/XX/XXXX and were still waiting for a response. Over the course of the next two plus weeks, we would get conflicting information from Bank of America and from XXXX. 

On XX/XX/XXXX, I was instructed by XXXX to drop the claim we filed as that was the reason the funds were not coming back. They also informed me that they had approved the chargeback dispute and authorized the funds to be sent back to me. They even provided us with a screenshot showing their release/authorization. 

I had multiple calls with Bank of America on XX/XX/XXXX and XXXX about this. I told them what XXXX had said, and that the funds were not with them but with Bank of America. Bank of America refuted that, stating they are a receiving bank and credit funds as soon as they are received. 

In XXXX final effort, I got representatives of Bank of America and XXXX on the phone with me. Bank of America acknowledged that there was a chargeback, but said that no funds were pulled back from XXXX, which is not, from all that we know, possible because the chargeback is the pulling back of funds from XXXX to Bank of America. And XXXX 's records show that the money was reversed back to my bank. 

I contacted XXXX today. They said they have seen nothing from Bank of America and are now telling me I need to get Bank of America to take action because my funds are with the Bank. I am getting extremely frustrating because, contrary to what they are saying, I do believe my money is sitting in a suspense or hold account and they, for whatever reason, are refusing to release it to me.
Consumer complaint received 2023-04-21
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the fair credit reporting act, Capital One, account number XXXX has violated my rights. 

15 USC 1681 Section 602 Says that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Greetings! I am submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received a check from my job and told them that someone deposited it and then they called me and told me they closed my account for fraudulent reasons when I did nothing wrong and I just got money because they told me I won a prize. The agent was super rude to me and called me a liar and hung up on me.