davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I graduated medical school in the summer of XXXX and my federal loans were initially serviced with XXXX XXXX. As PSLF was anticipated to be revamped in the summer of XXXX, I applied for PSLF and requested to be placed on an income driven repayment plan. This was approved by great lakes with all loans listed as eligible and a monthly repayment amount of {$1900.00} due to start in XX/XX/XXXX ( this was later extended when the XXXX payment pause was prolonged ). 

When my PSLF application was processed, my loans were transferred to Mohela in XXXX of XXXX, but for some reason my IDR plan was not transferred and I was initially listed as being in standard repayment. I called Mohela and they said they would refile the IDR ( unfortunately they also recertified my income without my consent and my payment amounts rose by XXXX dollars ). I received notice from Mohela XX/XX/XXXX that all my loans were eligible for IDR and my new payment amount would be {$2000.00} per month. 

On XX/XX/XXXX of XXXX, Mohela placed my account on an administrative forebearance, presumably to switch from REPAYE to the SAVE plan ( though this was never discussed with me ). On completion of the forbearance, only XXXX of my student loan disbursements were listed on the SAVE plan with the remaining 5 loans listed as on level repayment and my repayments went up to XXXX. I also received notice that my income needed to be recertified on XX/XX/XXXX I called them about this in XXXX of XXXX when I realized the error and was told it would be corrected, but the application to correct the error was cancelled without notice in XX/XX/XXXX. I called Mohela again today XX/XX/XXXX to fix both issues ( my loans not all being listed in SAVE and thus not all being eligible for PSLF ) as well as my income driven repayment income certification being incorrect ( based on my initial IDR certification it should have been due for renewal in XXXX of XXXX and thus extended to XXXX of XXXX, and based on the deadline Mohela gave me of XX/XX/XXXX it should have also been extended by one year to XX/XX/XXXX as the deadline was before XX/XX/XXXX.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (WA)

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 2023-09-25
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 2023-06-09
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. (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, TRANSUNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. TRANSUNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2024-04-30
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: EQUIFAX, 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-11-07
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. (CA)

This is my other 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE (CO)

In XXXX of XXXX my spouse received and email requesting that I contact a debt collection agency. Upon calling them, I discovered that my Banana Republic credit card balance was past due and had been sent to collections. I have never received any notices to this effect and was never sent a bill and the company never attempted to contact me to notify me of the past due balance. Upon further investigation I found out that XXXX XXXX  had sold the Banana Republic account to Barclays. I was never notified of this change and never contacted by either of those companies. In fact, neither company had my correct billing address or phone number. I have lived at my current address since XXXX and changed all of my addresses upon moving which means XXXX provided incorrect data during the transfer to Barclays. 

I had automatic payment set up so my balance would be paid off each month and I would not have to worry about past due balances. I'm assuming this automatic payment arrangement didn't transfer over when Barclays took over the account. Had I been notified of this transfer of ownership, I could have prevented this from happening. 
I have opened a dispute with the credit reporting agencies and tried several times to contact Barclays to pay off the original balance which as only {$72.00}. ( I have been sent to collections for {$360.00} with interest. ) That absolutely was my debt but since the account has been transferred apparently they were not able to take the automatic transfer from my bank account as they had been doing in the past. 

Once again, no attempt was made to contact me by either company involved. XXXX and Barclays have an obligation to ensure that they have all customer information correct and notify customers of any changes to their account. Since this was never done in my case, I'm filing a complaint against both of these companies.
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I contacted MOHELA multiple times about this issue and tried calling to resolve it today. However, they've removed the option to speak with a representative from their phone tree, so I have no idea how to contact them. During the forbearance between XXXX, which MOHELA initiated due to their own incompetency with the repayment process, I made two payments. I wanted these payments to be applied to my XXXX and XXXX payments instead. Their original email stated this would happen automatically, but I did not see it reflected on my account, so I called to move these payments. On XX/XX/XXXX, I talked to a representative who said they could do this. However, as my due date approached, I never saw the amount reflected on my account. I talked to another representative on XX/XX/XXXX, who informed me that the previous rep had not completed the paperwork correctly, so it never went through. I asked if it was worth sending the paperwork through since my loan was about to be due on the XXXX, but she said they'd see it in time to apply the payments. She proceeded to help re-submit the paperwork over the next hour. It is now XX/XX/XXXX, about a week past my due date, and there are still no payments reflected on my account.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. CAPITAL ONE/ WALMART 5 missed payments XX/XX/2020 through XX/XX/2020. Had lost my job but found a new job and caught up to everything. Have not missed a payment since.
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (UT)

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 2024-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/2023, I received a letter from my mortgage servicer ( Select Portfolio Servicing, Inc. ), ( after my previous complaint to the CFPB ) which stated they had sent additional funds and exhausted my restricted escrow account funds. In response, I began contacting SPS to report the information sent was inaccurate and there should have been another {$7800.00} remaining in my restricted escrow. I have yet to receive confirmation of the restricted escrow balance. I have called on 6 different occasions and keep getting told there is no resolution and that a supervisor will call back within a few days. To date, I have not received any calls or other means of communication to settle this issue. When I asked to speak to a supervisor during todays call, I was advised they were too busy returning calls to take my call. As of today, SPS  has deposited {$64000.00} in insurance proceed checks from my claim and have disbursed checks totaling XXXX. The restricted escrow balance should be {$14000.00}. However, I was advised by their representative today that my current balance is {$6200.00}. 

I am at a loss to understand how this matter has not been resolved in the six months since I have brought it to their attention. Considering SPS is apparently using some arbitrary system of inspections ( which has never been explained ) to determine the percentage of completion for the repairs, an accurate escrow balance is vital to ensure that their clients receive funds that are proportional to the repairs completed. As of now, after spending over {$100000.00} in repairs out of pocket, SPS is indicating we have only reached the 25 % repair threshold ( which is ridiculous ).
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

venmo keeps fooling me around in order to prevent me to access my money! 
they keep freezing and unfreezing my account. they dont allow me to add any bank so I cant withdraw my funds! they ignore support emails or send stupid exuces they are holding {$3900.00} currently and cant add my bank to withdraw! 
scammers!
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-01-05
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: Nelnet, Inc. (TN)

AM NOTIFYING THE US ATTORNEY GENERAL ( XXXX XXXX ), TENNESSEE ATTORNEY GENERAL ( XXXX XXXX ), THE US COMPTROLLER ( XXXXXXXX XXXX ), AND THE TENNESSEE COMPTROLLER ( XXXX XXXX ). 

See PREVIOUS complaints that outline VIOLATIONS AGAINST me and see attachments XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2023-05-03
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 — Problem with personal statement of dispute
Company: Pacific Credit Exchange Corporation (CA)

I purchased a XXXX XXXX used XXXX XXXX from a car lot in XXXX. I paid the car off. They never sent me the documents. Since then the original lender went out of business and now they sold my contract to a 3 rd party. 
O have been trying for several years to get XXXX and XXXX to help me get this inaccurate info off my credit report. 
First of all its been past the 7 years, and they are claiming I owe them {$3.00}, XXXX dollars. The car did not even cost that much, and Im still in possession of the car. They are lying about everything, and some how they are extending keeping it on my credit report. I dont know who the creditor is, and I have never spoken to them. I did try and call the original company a few years ago, but they are no longer in business. 
Also they are reporting that the date The account was opened was in XXXX, XXXX. And thats not true at all. Id like to see copy of my original contract and how they came up with the amount of XXXX dollars. 
No one is trying to help me. 
Some of the information on my report is not correct, such as past address, name, birthday, and employment.
Consumer complaint received 2023-02-16
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

XXXX Accounts listed on my credit report are not mine and I have reported this problem to your company, I have even provided proof and still these accounts are still listed on my credit reports. I have filed identity theft reports and police reports and several complaints with the CFPB and I still am not getting any results. I am being penalized for these accounts and I didnt open them or utilize them.
Consumer complaint received 2024-04-30
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the inaccurate information that is appearing on my credit report. It has been brought to my attention that Equifax has completed its investigation, but I am disappointed to learn that the inaccurate information remains on my credit report. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Additionally, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ]. 

Therefore, I am requesting that you take immediate action to remove the inaccurate information from my credit report, specifically the account related to the trade XXXX  - XXXX XXXX  with the account number XXXX. Furthermore, I request that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX XXXX XXXX  account completely removed from it. In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. I hope that it will not come to that, and that we can resolve this matter in a timely and efficient manner. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ] CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681b of the FCRA
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.