davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

XX/XX/XXXX - called Mohela with questions and applied for the XXXX plan. 
XX/XX/XXXX - seemed to have lost my application. Once located, it was supposed to be expedited and should have info in XXXX to XXXX business days. 
XX/XX/XXXX - loan was placed in forbearance when I didn't want ( or ask for ) that. 
XX/XX/XXXX - loan being transferred to new web platform. No info available until at least XXXX. ( Transition actually began on XX/XX/XXXX ). 
XX/XX/XXXX - XXXX hour phone call. Loans I didn't want covered under the XXXX plan were in " paid-ahead '' status. The paid-ahead flag needed to be removed in order to process application. Supposed to be expedited and processed in XXXX weeks. 
XX/XX/XXXX - was told that my loan had been placed in forbearance on XX/XX/XXXX. I asked for it to be removed. Was told it would take XXXX days to process. I was transferred to a XXXX who looked into why my application to XXXX had not been processed. I was not given a reason but case XXXX XXXXXXXX was created. XXXX told me she would follow up with a phone call or email by XX/XX/XXXX. 
XX/XX/XXXX - When I made another payment, I sent Mohela a message asking about the status of my application. I received documents that look like a payment schedule to pay off the loans rather than any information on my XXXX application. My loan payments would be more than doubled rather than reduced, which was my whole purpose for applying for XXXX. 

All but the last items were phone calls trying to get my payments reduced via the XXXX plan. They are not the only calls I made. More than XXXX hours in calls ( most of which were on hold ) where I have been disconnected or there's been some reason they can't process my application. They say they're expediting it and then they keep adding XXXX weeks to the time. My application has not been processed so my payments have not been reduced.
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (VA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX RE : Update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report as soon as possible please. 

Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the follow inaccurate addresses : XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX TX XXXX. 


Please delete the following invalid phone numbers XXXX XXXX Please delete the following inaccurate employers XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I am filling this consumer complaint and consumer check for compliance these particular items that you are reporting under XXXX XXXX XXXX sec. XXXX. I have enclosed copies of my state issued identification and social security number to validate my identity. 


Regards XXXX XXXX
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: Experian Information Solutions Inc. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

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 2024-06-19
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. (CO)

A XXXX account appeared on my credit reports for all 3 reporting agencies in XXXX of XXXX. I filed a police report and followed all of the instructions XXXX and the credit agencies requested. It still shows on my report to this day. It was opened, from what XXXX says, in Florida, which I have never lived in, and is with a company I have never had an account with ( XXXX ) In short they refuse to do anything. I have been trying for three years to fix this and finally found out about this service.
Consumer complaint received 2024-08-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I am a member of XXXX XXXX law suit and my payment supposed to be in forbearance.But Navient who is not even supposed to be servicer for my loan continues collecting money while my loans should be in forbearance.When I ask Navient to put my loan in forbearance they say that they do not qualify.My loans are XXXX on a XXXX XXXX XXXX website but Navient is still trying to collect payment every month and told me that I still own them money.I stopped to pay them and they reported me to a Credit Bureau and ruining my credit.Navient is harass me at work by calling almost everyday and demanding payment on a XXXX loan amount.Navient website is still showing that I own them XXXX dollars
Consumer complaint received 2023-12-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION (FL)

My first call to TRUIST re assisting with lowering my HELOC rate was on XXXX I was on the call, being transferred around to multiple representatives. The only suggestion that was offered was for me to go into a 3 month deferment plan where I would have to pay back the interest within the remaining 9 months of the year after the 3 months were over. When I explained this was an interest only loan, and that wouldnt help me since I would end up owing more money, I was instructed to go into a TRUIST branch to meet with an advisor. This call in total lasted XXXX hours with hold times, and being put into the correct department. 
I met with XXXX XXXX in person at XXXX XXXX XXXX, in XXXX XXXX, fl. at XXXX the very next morning ( XXXX ) and she was told that the branches couldnt provide assistance. She put me in touch with the relief department at HELOC where they encouraged me to fill out a XXXX XXXX XXXX XXXX. This took an hour I compiled everything that was asked of me and submitted the forms on XXXX. 
I received no communication, and even sent a follow up email to confirm they had received all the necessary paperwork. 

I spoke to XXXX, a representative from Truist on XXXX to let me know that the information was under review and they were seeing if I would be eligible to extend the life of the loan with an affordable interest rate. 

On XXXX I was told from my employer XXXX XXXX XXXX that my position had been eliminated and my last day of work would be on XXXX On XXXX I was contacted from TRUISt and told that I was not eligible for any relief, except for the original deferment option that I was provided on XXXX. When I explained that my position had been terminated, they said there was nothing they could do but put me in the same 3 month deferment plan that would essentially force me into owing more on my interest only HELOC within 9 months. I called back later that day to explain my situation again, and I was offered the same 3 month deferment option. today I called back again today, this time with my sister on the line who was trying to assist. The recommended I fill out the application again and add on that my position was eliminated. They recommended I call truist mortgage to try to combine my HELOC and my first mortgage. I did this as well. They said they were unable to do this, and offered the same 3 month deferment plan as the HELOC branch. I am currently on time with all of my payments. When I expressed that I didnt want this option, They recommended to fill out an application for mortgage assistance. Another XXXX hour call. 


Within the past 18 months, I shared with both the mortgage side and the HELOC side that I have undergone a XXXX, and a recent loss of job. I am a XXXX XXXX XXXX XXXX XXXX XXXX 

Bottom line is, I feel like I am being forced to go into default on my payments in order to get any loss mitigation relief.
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

XXXX IVE SENT IN LETTERS DISPUTING THIS NEGATIVE ACOUNT. I ALSO CALLED AND SENT IN A FTC REPORT TO DISPUTE THIS ACCOUNT. I ALSO HAVE SCREENSHOTS THAT SHOWS THIS NEGATIVE ACCOUNT IS NOT REPORTING XXXX PERCENT ACCURATE ANYWAY. ON THE SCREENSHOT THE MONTHLY PAYMENTS ARE NOT THE SAME, THE OPEN DATE ARE NOT THE SAME, THE BALANCE ARE NOT THE SAME, THE DATE LAST ACTIVE ARE NOT THE SAME. EVEN THE LATE PAYMENTS ARE NOT THE SAME. ACCORDING TO THE FCRA ALL ITEMS MUST BE XXXX PERECENT ACCURATE AND THIS ITEM IS NOT. PLEASE DELETE { XXXX } ACCOUNT # XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please Remove this account immediately off of my report. You are reporting inaccurate information which is a clear violation of the law. 15 usc 1681e ( b ) states- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates below I have attached my credit report and evidence of your inaccurate reporting.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDMAN SACHS BANK USA (TX)

My account got taken over few months ago and XXXX refused to revive my old account and there were many fradulent transactions over the time. 

As of today I do not have anyway to see my transactiona and XXXX has not given me any transfer or the credit card or let me see my older transactions. They have been reporting late payments to credit beaureu. 

I would like my account transfered back to me or close it perpetually. I do not receive any alerts and its hard for me to actually work on this account. The only way right now to know my account balance is to go thru their phone which will not connect. 

Most recently I paid of my full amount on the credit card but they reported a late payment. I did not even get a courtesy call in this regard. I would like my credit report to be collected as am trying to buy a home.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Consumer complaint received 2023-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (SC)

EARLY WARNING SERVICES FAILED TO DISPUTE THE INFORMATION THAT WAS REQUIRED OF THEM TO DISPUTE ONCE NOTIFIED ABOUT THE ERROR EXISTING ON MY CONSUMER REPORT CONCERNING FINANCIAL INSTITUTIONS BANKING HISTORY. THEY STATED THAT THE CONSUMER REPORT COULD HAVE BEEN INVOLVED WITH IDENTITY THEFT BUT NOT THEIR COMPANY. EARLY WARNING SERVICES HAVE OBTAINED MY INFORMATION WITHOUT CONSENT FROM ME. EARLY WARNING SERVICES FAILED TO PROVIDE THE CONTRACT BETWEEN THEIR CORPORATION AND I. EARLY WARNING SERVICES FURNISH INFORMATION FROM BANKING INDUSTRIES UNDER MY INFORMATION WHICH I DID NOT HAVE ANY KNOWN KNOWLEDGE OF NOR HAVE I EVER CONTRACTED WITH EARLY WARNING SERVICES OR GAVE THEM PERMISSION TO USE MY INFORMATION. EARLY WARNING SERVICES IS A THIRD-PARTY SERVICING AGENT REPORTING FOR FINANCIAL INSTITUTIONS THAT I HAVE NEVER BEEN A PARTY OF NEVER HAVE I EVER DONE BUSINESS WITH.
Consumer complaint received 2023-07-09
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. (IN)

I have been battling numerous of XXXX XXXX and back in XXXX I was XXXX following an XXXX  XXXX. I had to stay in the hospital for a couple weeks upon discharge and arriving home I begin getting calls and letters concerning accounts I had no knowledge of opening. I also noticed things with my bank accounts that had unfamiliar charges and withdrawals. I am a victim of identity theft and would like all accounts removed from my credit. I have tried to communicate with the companies to address the matters one company in particular was very rude with a couple of employees who were very aggressive and threatened me on the call and via email.
Consumer complaint received 2023-07-09
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd ()

On XX/XX/year>, I signed up for a WISE Business Banking account using the email address " XXXX '' and mistakenly selected the category " Financial and other professional services '' for my company, XXXX XXXX XXXX  ( I provide tax filings services and help to register new businesses and create Operating Agreements for their Companies ). I understand that this category does not accurately reflect my business activities. 

Upon receiving an email notification regarding account deactivation due to the category mismatch, I promptly contacted WISE support team. Unfortunately, the representative informed me that category changes were impossible and the account would be deactivated. Also, I was told that creating a new account with the same business details and a different email address would be encouraged. 

New Account and Subsequent Deactivation : Following the deactivation, I attempted to establish a new account using a different email address XXXX while maintaining all other accurate business information. The account was initially set up successfully. However, upon making a payment of {$31.00} USD to obtain account details, the account was deactivated again citing already existing an account for XXXX XXXX XXXX 

Then I appealed many times to get a bank account but WISE always rejected the case by saying that we've decided to keep your account closed.
Consumer complaint received 2023-09-22
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. (GA)

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 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 2024-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (OH)

On XX/XX/year>, I saw that my credit score had dropped because of a collection agency ( Credit Management Company ) reporting me as delinquent. I called this collection agency the next day to ask that they dispute the claim and send me the verifying and validating paperwork. Once I contacted the XXXX on XX/XX/year>, about this company the collection was marked as disputed and removed from my credit, my score still didn't go up though. They said in an email as of XX/XX/year>, that they received my account on XX/XX/year>. I have never heard from this company about settling a debt, not one phone call, email or piece of mail was sent to me so I could pay or settle before they reported to the credit bureaus. I spoke with a lawyer and was told this was against the Fair Debt Collection Practices Act. I also called the hospital from which they said the collection came and spoke with the billing department. They don't know who this company is but did say that emergency room billing could be different. I never received a bill from the hospital for this amount either and I explained that to them. They also didn't bother to responded to the XXXX that they can not provide a substantive response to them about the debt. I'm guessing that's because it's a medical bill, but it would be all redacted following HIPPA laws so I'm not sure how that works. If you look up this company, you will see many complaints about them, and they are trying to scam people out of money.
Consumer complaint received 2024-07-18
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MN)

I closed my XXXX account on XX/XX/year>. I received credit after the closing so I had a negative balance. The billing cycle ended on the closed account XX/XX/year> and there has been no issuance of a credit refund check. They are holding my money and I never agreed to loan them money on a closed account. They owe me daily interest on the balance they owe me. Such a deceitful and shady company with unethical business practices.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX deleted something on my credit profile and has not been able to get me an updated current credit profile or report since XX/XX/year>. I called several times and they still have not fix my credit report with updated information. They have not corrected and sent me a corrected updated credit report as I requested several times. I request the CFPB to have XXXX send me a current updated credit report profile for this month XX/XX/year>. Please follow up and see their response.