davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

Upon careful review of my payment history, I have identified several time periods with missing payment counts, which has raised concerns about the accuracy of my loan records. I have reached out to various parties involved, including my college and my previous loan servicer, XXXX XXXX XXXX ( XXXX ), but have received conflicting information regarding the origin of this discrepancy. 

As the loan is now consolidated, I have been informed that there is currently no feasible way to rectify these missing payments and address any forbearance issues that may have occurred during these periods. I believe this issue is crucial to resolve, as it impacts my overall loan status and may have implications for my financial well-being. 

Enclosed with this letter, you will find a copy of my payment record, with the missing time periods clearly circled. Additionally, I am providing an example of proof of loan billing and payment for your reference. I am more than willing to supply any additional documentation required to support my case, including proof of a medical hardship. This documentation includes hospital and police records, as well as Family and Medical Leave Act ( FMLA ) paperwork. 

The missing time periods are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that MOHELA add the missing payment counts during the specified periods. I believe that a fair and accurate representation of my loan history is essential for my financial planning and peace of mind. 

I appreciate your attention to this matter and look forward to a prompt resolution. If necessary, I am available for any discussions or meetings to provide further clarification and documentation. Thank you for your understanding and assistance in addressing this important concern.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-03
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. (GA)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-04-24
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 recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2023-09-26
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)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXXXXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

This is a follow-up complaint from the initial complaint I filed on XX/XX/XXXX # XXXX. Please refer to this initial complaint for additional history on my account. This follow-up is warranted because the correction made to my account in XX/XX/XXXX still does not comply with the CARES Act for student loan income driven repayment income recertification. My account was updated in XX/XX/XXXX following my initial complaint with an IDR Recertification date adjustment from XX/XX/XXXX to XX/XX/XXXX. Due to the CARES Act, and according to information provided by the U.S. Department of Education on the fsa.gov website, income recertification for income-based repayment is not required and can not be required by loan servicers any date before 6 months after the end of the student loan payment pause. The earliest recertification for any direct federal loans based on this information would be on or after XX/XX/XXXX. Since my initial IBR income recertification date was scheduled for XX/XX/XXXX, this date should have been pushed by 12 months automatically and then based on the current scheduled end of the student loan pause, by another 12 months to reflect a date of XX/XX/XXXX. This would entail the same monthly payment requirement as was determined by my IDR application in the amount of {$170.00} starting with payments on XX/XX/XXXX to be certified through XX/XX/XXXX. I have called MOHELA customer service an additional two times to get the IDR income recertification date updated to be in compliance with the CARES Act twice since the last correction was made to my account with calls on XX/XX/XXXX and XX/XX/XXXX. The first call on XX/XX/XXXX, the customer service representative assured me that my account would be corrected and an additional call would not be warranted. Without any change occurring on my account in the subsequent 30 days, and the date in question coming up rapidly, I called again on XX/XX/XXXX to check the status and notify MOHELA that I would pursue an additional consumer protection complaint if the issue was not fixed within 30 days. I am requesting that MOHELA adjust my income driven repayment plan income recertification date to be in compliance with the CARES Act and therefore, the date currently reflected on my account of XX/XX/XXXX be updated to XX/XX/XXXX.
Consumer complaint received 2023-11-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

XXXX XXXX is trying to collect a deposit that is not due as a result of their breach of contract. I never received the keys to the apartment nor did I move in, since the terms of the lease were breached before making payment so I terminated the lease prior to move in date. This was communicated to XXXX XXXXt on multiple occasions and my attorney sent a letter to them confirming this.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/year> I made a cash deposit at a capital one atm machine. The atm gave an error message and only deposited {$7.00} of the {$4000.00} to my account. I called and filled a claim of the missing {$3900.00} that did not show in my account claim number XXXX. I was told It could take up to 45 days to investigate and I would receive a credit in 10 buisness days while they investigate. XX/XX/year> I received an email saying below is the outcome of the investigation and my account was credited {$200.00} as a partial credit. I'm still out of {$3700.00} that was deposited.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX at XXXXXXXX XXXX I went to the WELLS FARGO ATM in XXXX XXXX in XXXX XXXX to deposit a check from a friend, who by the way sends me a check every month same dates, give or take ( between the XXXX and XXXX ) and always for {$100.00}. Well, this time the ATM machine ate my check and gave me no receipt or any kind of validation of deposit. I called asap to report this and it's been all this time with NO updates and no one on the phone can give me any information. I've called several times. Today is XX/XX/XXXX and still NO money and it says in my account " CASE CLOSED '' what does that mean?? I want my money, it was a faulty ATM, not my error. 

Also my unemployment benefit money that I always receive 1 or 2 days after I submit my claim has not yet been posted. I filed on Thursday XX/XX/XXXX and it usually shows up the next day. It is in the amount of {$260.00}. This is unfair and I am so in need of money. I do not know what's going on, but I feel like they do not care. I am in desperate need of those funds. NO ONE IS ANSWERING MY QUESTIONS.....
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (CA)

Have faxed paperwork since XX/XX/year>, see proof, called XXXX said no sale faxed papework and emailed it now a sale see proof of all faxes
Consumer complaint received 2023-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am needing immediate help to get this account by the name of XXXX XXXX XXXX XXXX back off of my credit because it has been removed several times and they continue to harass me and have violated my rights which I have been keeping record of in case I have to sue. This company has violated my rights in so many ways, I personally have recordings that I have transcribed of them willfully not providing me with actual competent proof of this alleged debt they are falsely claiming I owe them, they have even went as far of lying to me through the credit bureaus which I will also be holding accountable for them allowing me to financially hurt me the way they did and sending me cookie cutter responses, I am demanding this account be removed because they they have violated the laws set forth by the Federal Trade Commission of 15 USC 1692g 809 of the fair debt collection practices which states that proper notice has to be provided by the collector stating the ( 1 ) the amount of the debt ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Violation # 2 they attempted to mislead me by falsely claiming I have signed an agreement they have possession of and when requested they said they will mail it to me which I still have not received said original agreement they claimed to have alleging I would owe them for anything while also claiming to work on behalf of the United States government which the federal trade commission also states is in violation of the fair debt collection practices act of 15 USC 1692e 807. False or misleading representations along with the consumer financial protection bureau its. I am demanding this debt be removed from my credit report until competent proper and legal steps have been taken and proof of ( legitimate ) validation ( as requested ) has been sent to me directly and uploaded here as well.
Consumer complaint received 2023-06-21
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. (AZ)

the student loan was open on XXXXand they kept change the open date to XXXX and i have not made a payment and 2 years go they stated on my credit report in collection and was sent to goverment collection agency since Biden stop payments on student loans they remove the comment and no w show that payment are up to date and they change the date and then i have student loans that are paid on my credit report that are 15 years old they will not remove them i went delinquent on my student loans back in XXXX please help me remove this student loans form my credit report i have diputed them couple of times and got no results thank you for reading this letter sorry if the grammer is bad i have a XXXX couple of months
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I am low income and applied for the newly introduced Saving on a Valuable Education ( SAVE ) Plan. I was deemed eligible with a predicted monthly payment of {$0.00} ( I make approximately {$13000.00} a year which according to SAVE means I will have no monthly payment or interest while my income is below {$32000.00} ). My application was processed and accepted and I was told that my eligible loans were places on an income-driven repayment ( IDR ) plan on XX/XX/XXXX. 

However on XX/XX/XXXX I received a Billing Statement stating I owe {$650.00}. Thinking it was still processing and would update soon, I waited a few day, but didn't get an updated statement. So I went to look at my loan details and the SAVE plan was only applied to XXXX of my XXXX eligible loans. I called immediately and was connected to a Mohela rep named XXXX at about XXXX XXXX  on XX/XX/XXXX. 

She told me she had no idea why the SAVE plan was only applied to 4 of 10 loans and that it should have been applied to all 10 Federal loans because they all were eligible and there was no error on my end.

Even though the SAVE plan should have been applied to all loans, she did not have a way of fixing this herself, so her solution was to have me reapply for the SAVE program over the phone. As for the currently due payment, she suggested putting the loan in Forbearance. 

The biggest issue with this is that I am now accruing daily interest while I wait for them to fix their error. Since XX/XX/XXXX, I currently have over {$70.00} of interest accrued and it goes up daily, when had the plan been applied appropriately and correctly the first time, there would be no interest. 

I just received a notice from Mohela titled " Correspondence Processing Delay '' which states it may take up to 90 days to process my request. This is another 90 days of interest that I was never supposed to accrue all because of a technical error on their part. 

It feels really unethical to first incorrectly apply this Federal SAVE program, send me a bill for loans I should not owe anything on, and now charge me interest daily while they take an unreasonable amount of time to solve the issue. And reading online, it seems many others have had this issue.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I sent a dispute about my XXXX account status that shows multiple late payments. XXXX bank doesnt respond to me, I have a monthly automatic payment so the payment comes out every month from my account, and the credit bureaus just keep saying they verified its late and refuse to send me validation like they are supposed to according to law from the fair credit act. I want the late payments updated on my report since they have failed 3 times to show me validation and now have made it where I can NoT dispute it anymore.
Consumer complaint received 2024-07-01
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. (NY)

This account contains several inaccuracies that falsely manipulate the statute of limitations. Your failure to investigate this account properly has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). 
Specifically, you have violated 15 U.S. Code 1681c, which requires accurate reporting of information, and 15 U.S. Code 1681b ( c ), which governs the permissible purposes of consumer reports. 

I demand the deletion of the following account : XXXX  : xxxxxxxxxxxx 5689
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX Is violating my consumer right Md Judicial courts and judicial P.5-1202 : A creditor or credit may not initiate a consumer debt collection after the expert expiration of statute of limitations, applicable to the consumer debt collection action. 12CFR10006.34 ( b ) ( 5 ) XXXX XXXX XXXX XXXX is still placing this collection on my report.

15 USC1681 Permissible purposes.

15 USC 1681 a ,15 USC ( e ) ( b ), 15 US 1681b XXXX XXXX XXXX is fine all of those rights. 

The owner is incorrect on this inquiry. The date of last activity is incorrect. The terms is incorrect. The incorrect date is incorrect. The responsibility is incorrect.
Consumer complaint received 2023-09-26
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. (NE)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am filing this complaint against Bank of America for the unauthorized disclosure of my personal financial information from one account to XXXX XXXX XXXX XXXX XXXX. This disclosure included 13 specific transactions and the status of my account, shared without my explicit consent or prior notification. This action constitutes a breach of my privacy rights as protected under the Privacy Act of 1974 and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) . I wish to formally opt out of all credit reporting activities conducted by XXXX XXXX XXXXXXXX and seek immediate resolution to this matter. I also demand compensation for the damages incurred due to this breach. Enclosed are relevant documents supporting my claim. I expect XXXX XXXX XXXXXXXX to conduct a comprehensive investigation into this incident and take necessary corrective actions to ensure such violations are not repeated.