davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

In XX/XX/XXXX, I submitted a Public Loan Forgiveness form for a previous employer, The XXXX XXXX, who owns a number of charter schools in the state of Michigan. I worked for this employer as XXXX XXXX XXXX from XXXX to XXXX in a charter school owned by them, XXXX XXXX. The organization was not approved as an eligible employer even though their business lies in public education. I have many qualifying payments during this time of employment for PSLF, however, since MOHELA and the Department of Education are not deeming The XXXX XXXX as eligible as a qualifying employer, these payments are not counting towards my forgiveness. If they did I would have over the 120 qualifying payments to be forgiven. To add to this situation, I have asked MOHELA for a review of the employer and supplied additional documentation to them on how XXXX XXXX, owned by XXXX, is a public not-for-profit. I do not believe they read through any of it and still denied the approval because XXXX writes the paychecks. Lastly, I filed for a reconsideration request in order to get XXXX approved as an eligible employer so my payments would count. I did this through the Federal Student Aid website on XX/XX/XXXX. Today, XX/XX/XXXX, I spoke to two different individuals from Federal Student Aid who were not able to access this reconsideration request and could not tell me anything about it. I am beyond frustrated as MOHELA and Federal Student Aid/Department of Education have made this so hard for me when I have been teaching in public education since XXXX and should have my student loans forgiven.
Consumer complaint received 2024-08-15
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: EQUIFAX, INC. (NJ)

Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OneMain Finance Corporation (CA)

Account was charged off XXXX XXXX XXXX and I was advised by the company after 7 years the account will be dropped from my credit report on all 3 bureaus. As of XX/XX/XXXX this is still sitting on my credit report. I have filled multiple disputes with the company except harassing calls and them updating my balance every 3 months to keep this on my report. I informed them the account is a charge off and has been for over 7 years and would like this removed immediately from my credit they have yet to do so. I am requesting that this old account be removed from my credit due to it is causing issues with my husband and I buying a house. They call numerous times a day still wanting me to pay for a old charge off that during a extremely rough economy I can not just give the amount they are requesting
Consumer complaint received 2023-09-16
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. (MD)

To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX, and it need 's to be deleted/removed from my credit report. PLEASE PERMANENTLY BLOCK & DELETEM IMMEDIATELY! I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW HAS TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. XXXX does not belong to me. Delete & BLock immediately! 


Collection Account : XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (NC)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2023-06-19
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: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account NameXXXX XXXX XXXX Account XXXX Account NameXXXX Account Number:XXXX Account NameXXXX XXXX Account Number:XXXX  Account NameXXXX XXXX Account Number : XXXX Account NameXXXX XXXX  Account Number:XXXX  Account NameXXXX Account Number:XXXX Account NameXXXX XXXX XXXX  Account Number:XXXX Account NameXXXX XXXX XXXX  Account Number : XXXX Account NameXXXX XXXXXXXX Account Number:XXXX  Account NameXXXX Account Number:XXXX XXXX XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PlusFour, Inc (CA)

PLUSFOUR INC. Has mistakenly reported that I owe over XXXX $ to the original creditor XXXX  XXXX the account number is XXXX the date it was opened is XX/XX/year> but I payed the amount owed in full to the original creditor XX/XX/year>. With that being said it was wrongfully put on my credit report because I dont owe them anything and I have the proof that it was paid in full.
Consumer complaint received 2023-09-16
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. (MI)

In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-16
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. (MI)

In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-08-11
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. (IL)

Credit report was obtain without consent which I believed to be a identity theft. Went to a car dealership and they ran my credit without consent to multiple financial institutions without consent. I am unable to resolve or dispute inquiries with the credit bureaus.
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (AZ)

Hello I am a XXXX XXXX Veteran, i served XXXX years as an XXXX I am running my small business which is a fashion brand that I develop original products with and have been established since 2018, my paypal account is much older and i have been in good standing with this company for a long time. Im writing you today because I sincerely wish to continue to do business and be able to drive further sales using paypal this year especially here in XXXX. I have fully read the paypal terms and conditions and am aware of what your rules for operating are and I have a legitimate fashion business, that being said it is currently being overly burdened by a very large indefinite hold of XXXX . 

Currently they are withholding a XXXX $ " XXXX '' with no clear reasoning or indication when these funds will become available. They have not given any clear indication when these funds will be released and I have tried to have the hold released after many months since my initial request on XX/XX/XXXX and subsequent request in XX/XX/XXXX. 

Both requests were met with vague responses about " A level of risk associated with your account ''. XXXX $ is a vastly egregious amount of business capital being withheld that is causing serious financial harm to the business. When compared to our annual revenue with paypal which is currently at XXXX $ for this fiscal year. 

This means that paypal is withholding XXXX XXXX of the entire annual revenue for our small business for over XXXX months now with no clear indication of when these funds will be released. 

I hope we can come to an agreement as our business has been registered and operational for over XXXX years and we wish to continue business with Paypal but currently they are being entirely unresponsive and withholding large funds indefinitely.
Consumer complaint received 2023-09-16
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$89.00} ; 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 2023-09-16
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. (VA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} ; XXXX XXXX XXXX XXXX XXXX {$830.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} 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 2023-09-16
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. (AL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (MO)

Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company velocity investments LLC and XXXX XXXX XXXX 

As outlined in the agreement, the purpose of the XXXX XXXX Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2024-07-31
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. (FL)

To Whom It May Concern : I am writing to dispute an item on my credit report. The item in question is : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ref # XXXX I believe this item is inaccurate and should be removed from my credit report for the following reasons : 1. The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

2. I pulled out of the bk and never completed the process. Started back paying my debt Under the FDCPA, specifically 15 USC 1692e ( 8 ), it is a violation to report information to a credit reporting agency that you know or should know to be inaccurate. As such, I request that you investigate this matter and remove the item from my credit report. 

Please provide me with the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I looked at my credit report and notice XXXX accounts ( XXXX XXXX, XXXX XXXX XXXX XXXX that shouldn't be reporting on my consumer credit report. I reached out to the CRA ( Equifax ) with dispute letters to get a proper investigation with proper identity and proof of resident since XX/XX/XXXX and corresponding mail receipt to keep record of communication, which i will include. Equifax XXXX conclusion is that XXXX these accounts are factual record of file and will remain on credit file. With respect to the FCRA requirements and can prove my rights have been violated because of willful noncompliance and they are subject to criminal liability violations. Some FCRA requirements that were violated was that CRA has a duty to maintain accurate credit reports, follow reasonable procedures to ensure the accuracy of the information in your reports, and XXXX CFR Part XXXX according to 15 USC 1681a 2 ( A ) Exclusions the term consumer report does not include ( i ) report containing information solely as to transactions ( Credit transactions which are their permissible purpose ) or experiences between the consumer and person making report. Also 15 USC a 2 ( B ) Any authorization ( auto loan ) ( credit appliances ) or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( my social security card and my driver license are credit card according to the law ) or similar device. I Have suffered many damaged because of willful noncompliance of the law and are seeking monetary compensation.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Around early XXXX, I found out that XXXX fraudulent charges including foreign exchange rate fees were made on my Chase debit card. They were all foreign charges from the same vender, XXXX XXXX XXXX XXXX XXXX, totaled up to be around {$200.00}. As soon as I noticed this, I went to Chase bank in person to resolve it. An agent at the desk helped me with filing a complaint and processing the refund. However, today, I found out all XXXX fraudulent charges went through. I called Chase customer service and they said the claim was denied because they couldnt find evidence to prove that it was fraudulent so they had allowed the charges. But these are all foreign charges and that itself should prove that its fraudulent.