davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

Between XXXX and XXXX of XXXX, I sent several messages to Mohela via their online message feature requesting that in-school deferment status be removed from my account. Every response told me I needed to request in-school deferment removal in writing. On my final request, I asked to be directed to a form since none are listed on their website and noted that this was my third time requesting the removal in writing. On XX/XX/XXXX, I called Mohela and, after XXXX and a half hours, was told by a representative that the only way to permanently request the removal of in-school deferment is to call in, make the request, Mohela will XXXX send a form via USPS, and after sending it back, the deferment would be removed. I was told the form would be sent out immediately. On XXXX in the evening, I received several messages from Mohela stating my in-school deferment had been reinstated ( the exact opposite of what I was requesting ). On the next business day, XXXX I called Mohela and, after waiting XXXX hours on hold, was informed that the previous associate I spoke with entered the incorrect code and placed me back in deferment. 

Mohela does not have information anywhere on their website directing borrowers on how to request the permanent removal of in-school deferment status. I was only informed that there was a form after calling in and waiting hours to speak with a representative. Even after going through this process, the representative was able to enter a code and reinstate the deferment status without my consent and without my signature. 

Mohela offers several other forms via an electronic format, yet for some reason, this form must be sent via USPS, which only adds unnecessary delay.
Consumer complaint received 2023-06-02
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. (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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-19
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. (TX)

This is my XXXX 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 an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
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: DISCOVER BANK (NY)

I am writing to follow up on the matter concerning my Discover account, which I have previously disputed in my response to the XXXX letter you sent. 

As of the date of this email, I have not received any response or acknowledgment from your institution in relation to the issues I raised in my previous communication. Given the seriousness of this situation, I wish to emphasize the importance of a timely resolution. 

I must reiterate that I am a victim of identity theft, and there is no existing written contract or agreement between myself and Discover pertaining to the accounts in question. The absence of a legally binding agreement, as required by federal laws such as the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), underscores the need for your institution to provide the necessary evidence and documentation to substantiate any claim made against me. 

In my previous communication, I requested that Discover provide any legal documentation, evidence, or information that supports your claim and establishes my liability in this case. It is my sincere hope that you will promptly address this request to facilitate a fair and just resolution. 

I understand that resolving matters of this nature can be complex and time-consuming, but it is essential that my rights are protected as a victim of identity theft. The FCRA and other federal laws are in place to safeguard consumers from fraudulent accounts and ensure that victims are not held liable for actions they did not authorize. 

I kindly request that you prioritize this matter and provide a timely response, as I am eager to bring this issue to a satisfactory conclusion.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On Friday, XX/XX/1931 fraudulent transactions to XXXX were made on my Chase checking account in a matter of minutes. The day before I had received a fraud alert from my Chase app for an XXXX charge of {$31.00}. That happens to be the exact amount of my monthly XXXX XXXX subscription, so I just assumed it was that and approved that. But then the next day I had the flood of XXXX transactions totaling nearly {$1200.00}. I called Chase within minutes of the charges and disputed them. Chase told me I'd have the money put back in my account within XXXX hours. XXXX hours passed and nothing happened. On Sunday, I got an email from Chase saying the had completed their investigation and were closing the case and had concluded that the charges were valid. Somehow, they felt XXXX small transactions in a matter of minutes was normal spending behavior. I called on Monday and spoke with a supervisor who said she would try and re-open the case but couldn't promise anything. It's a couple of days later and I've heard nothing from Chase, the case still says closed in my account, and I'm out {$1200.00} and Chase doesn't seem to care. I need help getting my money back.
Consumer complaint received 2023-10-19
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. (TX)

I filed 4 different disputes. Record available. Each time Experian stated that XXXX XXXX confirmed a balance of almost XXXX. I was told personally by XXXX, there is no balance. I logged onto XXXX and my balance states XXXX balance. I have the screenshotXXXX and XXXX have documented the forgiveness correctly ; however, Experian refuses to do so.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

Aidvantage : I attempted to change my repayment plan to the SAVE plan. I was told via inbox to call to make the changes permanent. I called and was told I needed to pay over {$400.00} to get my payments changed over to the new payment system. I could not pay and was put into a forbearance for 1 month and paid {$5.00} to have the plan changed over. 

I called again because I was not seeing any changes and the gentleman I spoke to was confused as to why the previous agent did that and that what she did was incorrect. 

I called yet again because I was not seeing any changes or confirmation emails that I had a new repayment plan. I was then told that my old repayment system had to be cancelled or exited before getting onto a new payment plan. I put in to exit my current plan and answered all the questions to qualify for the SAVE plan. I was told my payments would be {$0.00}. 

Now I just received a letter saying my payments is due of over {$400.00}. And that I needed to recertify. At this point this is taking so much time away from my family and XXXX XXXXXXXX.
Consumer complaint received 2024-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (KS)

My loan was transfered to shellpoint from sls around 4 months ago. My sls loan was for 15 years. The first XXXX was interest only at {$210.00} a month. The last XXXX were a repayment period at 0 %. I am in year XXXX of interest only. Shellpoint changed it to XXXX  years at XXXX XXXX at {$420.00} a month. Then the next month they changed it to a XXXX year loan at XXXX  % at {$870.00} a month! Now the XXXX statement ( received the XXXX, due the XXXX ) shows XXXX for XXXX ( and a late fee because i didnt budget for it and couldnt pay it ) XXXX XXXX payment is XXXXXXXX I sent a letter. Nothing has been fixed. The XXXX reps are clueless and make stuff up as they go. After calling several times I am convinced they are using stalling tactics. They sent a letter stating they are requesting original loan documents which means they are making up numbers!
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (GA)

The company 's response is all after the fact. I requested the disclosure of the 2 year 0 % promotion that they never disclosed nor explained to me that led to a compounded interest balance. I only signed the doctors sales receipt and was never told that I was put into a higher interest rate compounded interest promotion. This has lowered my credit score after they added a compounded interest rate balance that is more than double the previous balance. I was supposed to be on a standard amortization principle and interest schedule not this promotion that was never disclosed nor agreed to. 

They never disclosed nor provided the documentation request which was the financial disclosure explaining the program and/or me agreeing to the promotion before signing the doctor 's sales receipt. 

They never provided the financial disclosure where they explained the promotional program. The information Care Credit sent is all after the fact. The documentation request which was the financial disclosure explaining the program and/or me agreeing to the promotion before signing the doctor 's sales receipt.

Disclosure Agreement has been requested numerous times. As of this date Care Credit still refuses or is UNABLE to provide the so called signed and acknowledged Disclosure Statement for this loan.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-26
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 
Account # 's 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 an account without my written instructions.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (TX)

I contacted the original creditor of the alleged debt for the account NATIONAL CREDIT SYSTEM XXXX and asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. National Credit System is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Remove this account from my credit report immediately. FDCPA and FCRA violations have up to {$1000.00} fee per violation.
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Premier Auto Credit (CA)

On XX/XX/XXXX the vehicle XXXX XXXX XXXX XXXX ( financed ) was stolen from XXXX XXXX in XXXX, California and XXXX. I contacted XXXX XXXX to open a claim. During the process of the claim XXXX ( Premier Auto Credit ) had retrieved the vehicle and sold it without the insurer properly surveying the damage. Furthermore, the finance company took 20 pictures of the car and did not provide any documentation or a full report about the car to XXXX. I have been a customer for years and paying on time and after the car was stolen XXXX immediately repossessed and sold the car.
Consumer complaint received 2023-10-19
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-19
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (NV)

On XXXX XXXX, I sent an email to the company, way2go to file a dispute. ( I didn't have time to sit on the phone and list all the transactions, so I used the email I was given. ) I did not receive any kind of response or confirmation that the dispute was received or processed. So, I went ahead and called customer service and was told that I did not type the email in the correct way, so I got the correct email and sent it off AGAIN on XX/XX/XXXX, I still haven't received any kind of response. The card was from unemployment, and I was trying to save as much as possible and still be able to pay things. So, when I got in a jam, XX/XX/XXXX, I figured I could use the money I was given. I explained in both emails that the money was needed badly because I was close to being evicted, and had to borrow money and take out loans to pay it after realizing the money o was no longer in my account. I went through the same thing prior to this one, and hid my card in a different spot, but not good enough obviously. I owe loans and family members so getting this money back is very critical for me right now, in the midst of paying rent and bills while trying to pay back money I shouldn't have had to borrow in the first place.
Consumer complaint received 2023-10-19
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. (CA)

15 usc 1681 ( b ) ( 2 ) Permissible purpose of a consumer report- In accordance with written instructions of consumer ( Me ) to whom it relates. I did not give written instructions. To any bureau to pull my report and therefore all hard inquires must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report.

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following companies did not have permission to request 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (TX)

I'm writing to you because after looking at my credit File which you report, there seems to be data Which i can not make heads or tails of. Please view the item below. XXXX XXXX XXXX Account XXXX XXXX Date of last activity has been re aged. And 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 and vou 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 on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Account was removed by XXXX and place right back after the original creditor didnt respond within the 30 days XXXX placed it right back on my credit profile. The data furnisher did not respond to the request for investigation and the disputed account was removed from your credit report. The result summary was sent to you on XX/XX/2023.