davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

Mohela is my loan service for my student loans. My income driven repayment income renewal date on the Mohela website is XX/XX/XXXX ( or XX/XX/XXXX depending on where you look on the website ). According to studentaid.gov ( representing the Department of Education ), the earliest you renewal date can be is XX/XX/XXXX. If your renewal date is before XX/XX/XXXX, your date gets pushed out a full year. This can be found under the " Income Driven Repayment '' section of this webpage : https : XXXX I called Mohela XX/XX/XXXX to confirm I would then renew XXXX of XXXX. The customer service agent had no idea what I was talking about and gave me the run around giving a lot of excuses that made no sense. I told her I needed her to talk to a supervisor since she wasn't aware of the rule at all. After talking to said " supervisor '', she starts telling me that date listed as my IDR renewal due date is just a 60 day notice and that my renewal is actually in XXXX. This was so interesting that she and her supervisor came up with this after I told them about the rule above- when I first brought it up they did not even know it existed. I told her that was awfully coincidental and suspicious that all of a sudden thats not my real renewal date and it just happens to be actually in XXXX and that I needed the website to reflect that if that is the case. They are telling me that they can't do that. 

I then told her I needed to speak directly to a supervisor. I was " approved '' to do this ( what?? ) and sat on hold. About 30 minutes later a supervisor picked up, I told her about my renewal date and the info on studentaid.gov. She said she wasn't aware of this rule and would look into it, putting me on a brief hold. I then sat on hold for the next 3.5 hours before the phone got disconnected. I tried calling back and long story short got disconnected again after about an hour.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

XX/XX/2024 Contacted Equifax regarding a very low credit score XXXX and after my investigation, Equifax website stated credit information hurting your score was " There is a bankruptcy on your credit report. '' Yet, when I pulled up my actual credit report from Equifax online, there was no bankruptcy or derogatory comments. So, I decided to see if I could dispute the obvious data error that I have a bankruptcy online with Equifax. The website states I do not have a bankruptcy therefore I can not dispute it? I then call Equifax customer service number. I was told that my XXXXcredit score was not caused by a bankruptcy showing on my credit report ; but because of a vague formula by XXXX XXXX XXXX and that he did not see a bankruptcy on my actual credit report, but he acknowledged that it did show that I had a bankruptcy online with XXXX XXXX. He stated they use Equifax data but did not know how or why a bankruptcy was showing and when I asked how this needs to get fixed ; the Equifax representative stated there was nothing he could do and hopefully it all would be worked out in the future. I can not believe what I was hearing. I just need my credit data to be accurate, so I have an accurate credit score. I am beyond frustrated.
Consumer complaint received 2023-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

The company, Discover Bank, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and XXXX  are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.
Consumer complaint received 2024-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (FL)

Thousands of students were scammed by XXXX into taking out predatory private loans to attend for profit online schools such as the one I attended, ( insert your school here ). As a matter of fact, ( school name ) was investigated by ( insert your story here ). 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as ( your school ), I was able to file a Borrower Defense claim with the Dept. of Education against ( your school ), and my Fed. loans of ( $ dollar amount ) were discharged and my credit repaired.

My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 
I am aware that XXXX was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't XXXX also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? XXXX knows who we are. Under the FTC " Holder Rule '' XXXX is liable for giving predatory loans in connection with online for-profit schools. Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator Elizabeth Warren has sent a letter to XXXX 's CEO asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my official DEMAND that all the reported claims be demonstrated with factual documentation that ensures full truth, accuracy, timeliness, completeness, physical verifiability, and validity. According to relevant state and federal laws, the reporting process must demonstrate the claim ( s ) and comply with the mandatory METRO 2 COMPLIANT FORMAT standard of reporting, regardless of their truthfulness. It is not ethical or legal to assume that unverified claim ( s ) have been lawfully reported, even if they are true and valid in other respects. The ability to collect a debt or claim does not necessarily indicate its ethical and lawful reporting. All entities involved in consumer reporting, especially in cases of delinquency or derogatory information, must adhere to the reporting regulations and standards. 
Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claim ( s ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged.
Consumer complaint received 2024-04-25
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. (TN)

My wallet was stolen a while ago and it contained all of my personal information which included my identification card and social security card. My credit has been misused so much and I have filed countless disputes which lead to nothing being resolved. Eventually I was forced to file Bankruptcy thinking it would come off my credit. Now I have a Bankruptcy to add to the fraudulent accounts on my credit. I even filed a claim with XXXX when my information was breached. My end result with that was nothing as well. I just want these fraudulent account deleted off of my credit. This is effecting myself so harshly. There is XXXX accounts from the same exact company. I've contacted them and filed a dispute with bureaus countless of times.
Consumer complaint received 2023-03-22
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury 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 reports no consent is fraud.
Consumer complaint received 2024-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act of XXXX account # 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 a account without my written instructions
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-27
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)

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 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (WA)

I used the online service XXXX to file my taxes. The only way to get the money directly was to set up a credit, money account that XXXX recommended. I received my tax return into that account and used their parameters to start withdrawing the money. On XX/XX/XXXX credit Karma contacted me and asked if I had made, an online purchase for over {$2000.00}. I said no and they said they were shutting the account down. They deactivated the card and said they would send out a new one. After this phone call, they continued to allow someone to access the account and drain it of over {$2300.00} plus set up XXXX withdrawals from my bank account to them. They allowed this person to change the bank account, routing number, phone number, address, all of my personal information that was connected to this account was changed. I filed a dispute that same day and Credit Karma has never once reached out to me. I have called them over and over again and they will not respond except to put the money back into that same account which I can not access. Ive had to close my bank account and change my phone number to stop this from continuing to access my information. My last phone call with Credit Karma today was that they Needed an additional XXXX more days before they could answer how I could access my own money. Ive also spoken to XXXX because I believe that it may have been through them that the hack occurred, before I got my tax return. They sent me a notification saying someone had tried to access my account. I shut that down and change the password, but I am not sure where the breach came from.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRSTBANK (ND)

To be honest with these banks, I received harassment while I had accounts there, transactions and could change my information at any time. He could put other information even in my online banking account. He could do a lot of things that were unacceptable, an acceleration ******** my word. He calls me and blocks my account without my permission and he calls me to go as far as I don't know. in the office, where the bank is located to speak with someone, I left. But what they did to me, it's really unacceptable that you can't believe. I tried to fix it. For several times and they continued to put information so that I can no longer open any bank account where I am talking to you, I become like an instrument that does not has no right in fact.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Not only did you try to fix the issues at hand but you sent the information to an address I havent lived at in 7 years and if you did the due diligence you would see that that is no longer my address or even the address on my license is not that one either. This is what I am saying about my information that you have is all incorrect and needs to be updated like I have in your website long ago to tell you and the agent I spoke with that those addresses need to be deleted. And had not my old landlord tenants not turn this in to him I would have never gotten these letters to know whats going on. There is only one me and those extra names is people who used my name and so this is crazy for you to be reporting information and its false information and it prevents a person from fair credit reporting
Consumer complaint received 2024-04-27
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. (OH)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b.They are thereby reporting fraudulent erroenous information.In accordance with the Fair Credit Reporting act my rights are being violated 15 U.S.C 1681 section 602 A. States I have the rights 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 A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2023-09-20
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. (PA)

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 U.S.C 1681 XXXX XXXX bank Transunion, XXXX, XXXX Credit report credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2024-07-02
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. (TX)

I looked at my credit report on XX/XX/year>, and I noticed a few things to be incomplete and not accurate. According to the Fair Credit Reporting Act, when a consumer reporting agency prepares a consumer report, it shall follow certain procedures to ensure that the information that they are reporting is true and accurate for whoever the report relates to. 

This account XXXX XXXX # XXXX is not complete and accurate According to 15 USC 1681s-2 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. 

Check the attachments below :
Consumer complaint received 2024-02-01
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. (TN)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.