davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I received a notification on XX/XX/XXXX and its available on my Studentaid dashboard that my remaining XXXX loans are eligible for forgiveness. Originally had XXXX loans.Only XXXX were forgiven in XXXX. My XXXX qualifying payment was in XX/XX/XXXX. The notification states, I should hear from my loan servicer Mohela within XXXX  days of the letter. I have called both Mohela and Studentaid several times since then. Each time with conflicting replies. Mohela states they have no idea and do not see that notification on their end. They point the finger at Student Aid. Student Aid on their part state they already submitted all the necessary details to Mohela. I filed a complaint on XX/XX/XXXX on the Student Aid website. Even though it references it takes XXXX  days for review, I have not received any response. This back and forth is like a slap to the face. I see many comments on XXXX of folks with the same issue. Bounced back and forth.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (WV)

Seventh Ave is account name Date opened XXXX Acct closed XX/XX/XXXX They have me marked down for two late payments, XXXX XXXX of XXXX and XXXX XX/XX/XXXX. I have been disputing these two late fees from day one. I file complaint after complaint. I call and call. I request documentation showing my credit contract w them and never receive. I want these taken off my account. There is NO DATA showing for most of my payment history but two months Im late. How can they show NO DATA for over 60 % of my credit history but then put me late for two months. Its obvious their record keeping isnt accurate or they would show the other months reporting which they do not show. I want this removed. Please inquires
Consumer complaint received 2024-09-02
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: Continental Finance Company, LLC (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (PA)

Charge off accounts are considered, certificates of indebtedness, pursuant to I.R.S publication 4681 and it is now considered income and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974.

The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.

IRS Publication 4681 Canceled debt : If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in chapter XXXX applies.
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (TX)

I have had this car loan for a little over two years. My recent unemployment has made it difficult to keep up. Im finally current, but have hundreds in fees ( also paid ). Some of the returned payment fees were also not my fault, as I was unaware my bank closed my Account. Im just a desperate soul in need of a little assistance and Chase is bouncing me around. One rep told me he processed a refund of 3 late fees and any return payment fees, but that was never done and of course, theres no record of it. If calls are recorded, it should be pulled.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My information has been entered in a data breach so thats when I instantly noticed there was something ins my credit that I did not authorize nor was I was aware of. There are multiple inquires in my credit report I know I did not do and a few accounts that dont belong to me.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (GA)

my student loans all from one XXXX XXXX XXXX XXXX  has been with several agenies through the years from XXXX XXXX XXXX  to XXXX XXXX XXXX to currently Mohela they should be forgiven under Biden administration law however every time i try to submit says im only eligible for income driven repayment plan the 3 or 4 loans are consolidated into one loan around {$34000.00} for whatever reason every time the loan is moved to a different collection servicing agencies it creates a new loan under each credit bureau making it seem like i have 3 separate loans with each credit bureaus verses 1 consolidated loan reporting one time to XXXX XXXX and XXXXIt however reporting 3 separate loans of {$34000.00} to XXXX XXXX and XXXX reporting debt of my student loan around {$100000.00} alone verses just {$34000.00} being it keeps going to agency to agency even after consolidation this has heavily hindered my credit worthiness and is negatively adversely affecting me from getting better housing interest rates on cars and other goods because a high debt to income ratio.
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AL)

Everytime i try to do a wire transfer into my XXXX account they reverse it and say its suspicious activity or they hold on it. not a single wire i try to do goes into my account. How is it even suspicious? Even ach transfers are not going through. Why am i having this issue.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (NJ)

XX/XX/year> I open up travel credit card at Navy Federal Credit Union. Booked all my travel itinerary to XXXX with that credit card. On XX/XX/year> notified through travel notification Navy Federal Credit Union about traveling to XXXX. On XX/XX/XXXX, at the restaurant Eat at XXXX waitress charged my 3 times for breakfast. First she topped my credit card, second she inserted then she said my credit card is not working, and I have to use another credit card. I paid with my XXXX credit card. After when I checked my account I saw XXXX charges of {$6400.00}. Contacted restaurant no luck of refund. On XX/XX/XXXX I Filed dispute with Navy Federal Credit Union, provided whole explanation, copies of receipt. I called them 4 times, and they closed my claim without help. All XXXX transactions were made at the exact same time, same day and same location as they can see. I provided all supporting documents, and they close my claims without reversing transactions. When calling them they couldnt provide even explanation why my claims were closed.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Despite making multiple attempts to request Experian to correct inaccuracies in my personal information on my credit report, I have been consistently met with stall tactics and delays. These tactics have not only caused damage to my reputation but have also deprived me of certain freedoms. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX XXXX XXXX ( CRAs ) are mandated to uphold maximum accuracy in their reporting. Regrettably, the current state of my report falls short of meeting this requirement. The FCRA is designed to ensure fairness, accuracy, and the privacy of personal information within consumer credit report records. Additionally, Experian continues to list addresses from which I neither receive nor send U.S. mail.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

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.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I am NOT liable for the debt with XXXX CXXXX XXXX XXXX I do NOT have a contract with lvnv funding LLC, they did NOT provide me with the original contract as I requested.
Consumer complaint received 2024-05-15
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 a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-11
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. (NJ)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Dear Sir / Madam, XXXX XX/XX/year> I created a wire transfer of {$9100.00} using HSBCs mobile app. I had input the correct account and routing of the receiving institution. However when inputting the address I typed " XXXX  '' as it was a XXXX XXXX XXXX XXXX. The user interface on HSBCs site overrode all the receiving bank details and the money was sent to a credit union called XXXX whose address is " XXXX XXXX XXXX ''. XXXX  have confirmed they received the wire but given they didn't recognize the account number they have been trying to send it back to HSBC twice. HSBC claim that XXXX is not following standard protocol to send the funds back. XXXX has been requesting somebody from HSBC call them to resolve the matter. HSBC refuses to do this and has washed their hands of the matter. Both parties are at a stalemate. I have an exhaustive documented email trail of communications. Please can you help me resolve this matter given it's a large sum that is likely sitting in a suspense account that I need for my children 's XXXX expenses. Thanks
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XX/XX/2022.
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NY)

Selene finance is charging me lawyer fee due to fraudulent actions to put me in foreclosure and inspection of my home. Number 1 the bank agreed to do a modification with me. I have proof they sent me a email of the modification. Number XXXX I have proof they were pulling money out of my account, I sent checks to them and if they say they record all phone call it shows Ive been in contact with XXXX the entire time. Here are the sequences of events ; XXXX allowed me to go on a trial modification payment started ; XXXX XXXX of XXXX XXXX ( paid but the bank never pulled the money out. ) I called myself and made a payment for XXXX payment ( XX/XX/XXXX of XXXX and called back XX/XX/XXXX XXXX ) this was an error from them which I notified them and told them who I spoke too. 

XX/XX/XXXX I made a payment for XXXX, XXXX This should have covered me till XXXX. 

XXXX I was told after the fact in XXXX I needed to pay a difference of {$57.00}. 

XX/XX/XXXX I sent the modification application with another check Modification was not approved due to XXXX signature. 

I sent another modification which was emailed to me via email and sent it XX/XX/XXXX and XXXX. This is because both my partners and I were out of town. XXXX told me this was fine as long as I send it before XXXX. 

Bank told me I have XXXX in my suspense account but will not use it. 

I asked the bank can I pay for the month of XXXX they said no. You covered till XXXX that was lie. Then I was told before the can approve my loan I have to send XXXX to get the modification approved to move forward. 

I paid the XXXX XXXX sent be check from TD. Then I was told they are still waiting for a response XXXX cant make my monthly payment. After countless phone calls from me I found a representative to help me get XXXX to finally realize that payments were sent and a modification was sent as XXXX requested. Due to this Rep Im now able to make my payment and XXXX noticed I sent and sign the modification.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-15
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. (TX)

ALL XXXX CREDIT REPORT AGENCIES ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND WITH ME PROVIDING PROOF THAT THESE ACCOUNTS DO NOT BELONG TO ME. MY IDENTITY WAS STOLEN AND I PROVIDED PROOF THAT MY IDENTITY WAS STOLEN.
Consumer complaint received 2024-05-15
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX  XXXX Balance : {$69000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX FIN XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-05-15
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX  XXXX Balance : {$1400.00}
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

This is my follow up to notify you that I am a victim of erroneous reporting and I submit to dispute this account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this account in my credit file that resulted from an alleged erroneous reporting. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
EXPERIAN : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -EQUIFAX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Hello On XX/XX/2021 I made a final payment of {$6000.00} to XXXX XXXX finance to settle my debt. In our agreement this would be reported to all of the credit bureaus so that the information could be properly updated and the negative status of charged off, closed as bad debt, and any other incorrect negative status. Could be removed. 

Since that time I have applied for credit cards, auto loans, and even a mortgage with the results being that I am not accepted due to a negative status account on my credit report. One company even directly told me that it is the status of the XXXX account that is hurting my ability to be approved. I have listed the status that is being shown from each bureau which has negatively impacted my life. 

I have a documentation letter stating that this debt has been paid per our agreement and it will be reported properly. 

Parties involved. 
XXXX XXXX XXXX Equifax - XXXX XXXX - Account paid in Full was a Charge-off XXXX - Paid in settlement. {$20000.00} written off.