davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I submitted a SAVE application to Mohela on XX/XX/XXXX. After not hearing anything from the company in regards to my SAVE application, I called on XX/XX/XXXX. I called on three separate times on this day. The first call, I waited 45 minutes before speaking to an employee. For background information, I have a private loan with XXXX XXXXMohela . I was trying to ask about my federal loan with Mohela. The employee did not listen to what I was saying and kept telling me to call XXXX XXXX/Mohela as that account was in a delinquent status due to the payment not going through because of a federal holiday. 

I called the number, waited again, and spoke to someone who could not help me with my federal SAVE application and directed me to call the number I had just called. I called again, waited 43 minutes and had to hang up as I had a meeting for work. I called again later in the day and waited 50 minutes before speaking with another representative. They stated that they had received my application and that I would just need to wait for them to process my information. 

I did not hear about my application at all and in XXXX, when the academic forbearance that was placed on my account ended, I saw that I had a payment in my account for around {$140.00} dollars. My SAVE application still had not gone through and I was told that if I was on this program, my payments would only be around {$20.00} a month. 

I called again on XX/XX/XXXX and spoke to someone who had told me that there was a code that was applied to my application that he had not seen before. He reached out to his team who did not tell him what the code meant, but stated that they would need to completely reprocess my application. The person who I was speaking to placed my account back into forbearance which will last until XX/XX/XXXX. The original application I submitted back in XXXX still has not been processed and the resubmitted application has not been processed either.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is a wrong account in my credit report.Dispute Department : According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I expect to see an original proof of the accounts that I am listing below. 
Under FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand that you remove these accounts immediately :
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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 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 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

First off they are late or super slow to get info out. I just got a notification saying my loans don't need to be paid back in XXXX That update wasn't on my account before or even yesterday. I made a payment on XXXX which they had troubled accepting. I got an e-mail saying that they had resumed and I owed in XXXX That got to me in XXXX funny how when they need money they sent out the info in a timely manner but when its us not having to pay we get no notification until XXXX  days after it ended? 
If you have a question you have to call because its a XX/XX/XXXX shot that they won't even answer your online questions. I have stuff years ago they never have answered to this day. 
I am part of the PSLF and they refuse to get my account correct. I certified my employment every year from XX/XX/XXXX to current. I am having to fight with them to update the qualifying payments. They corrected XXXX which it took XXXX  years and me bugging them to actually certify. Now for some reason XXXX has been backed out ( wasnt that was before the XXXX " fix '' ). 
I have qualifying payments from a previous employer and they were not on the list for qualifying employers but I could have them look in them if they should be on that list. I haven't heard anything and if they did certify that employer I would be close to being able to close out my loan, which I don't believe that is a coincidence.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

In XXXX of XXXX, several of my student loans were approved for discharge due to Borrowers Defense. The discharge of these loans is still pending. Until these loans are discharged, my student loan account should be in forbearance. This has been communicated to Mohela on several occasions by me and by The Department of Education. My loan has been in repayment since XXXX of XXXX and should not be in repayment. They also had my repayment amount at over {$900.00} on the SAVE plan, which was calculated incorrectly. It is currently in repayment and should be in forbearance due to the pending discharge through Borrowers Defense. We have called Mohela numerous times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and requested the forbearance and sent numerous written communication with attachments from The Department of Education. We have contacted the Borrowers Defense department through Student Aid and they have indicated they have sent numerous communications to Mohela, all to no avail. A complaint was filed with Student Aid and they indicated again they loans should be in forbearance until the discharge is processed and that has been communicated to the servicer. The most recent letter was sent to Mohela and received by them on XX/XX/XXXX and again no response or action.
Consumer complaint received 2023-12-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: YSA ARM LLC DBA Oxygen XL (FL)

I received a letter which contains a website that doesn't work. they reference a charge by XXXX XXXX XXXX XXXX # XXXX. I looked up the citation with XXXX XXXX XXXX and that citation belongs to a car that I don't own or have ever owned. attached is the screenshot for the citation. if this is truly my citation I need copies of the original document.
Consumer complaint received 2024-02-03
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. (NJ)

I have disputed XXXX XXXX dealer service, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX account on my experian credit report 3 times in the last 3 month. the XXXX XXXX account was opened by someone with the same name. the XXXX XXXX XXXX  account is not mine and has a fraudulent account attached to it. the XXXX XXXX XXXX account shows latenesses the are not correct and should be deleted,.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made punctual payments on this account, avoiding any instances of overdue status. The reports of tardy payments on my accounts perplex me ; I'm uncertain about their origins. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, 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. (VA)

XXXX XXXX has a loan on my credit report that I never opened. The loan is for almost {$3000.00} says that I am past due for the payment. I've contacted XXXX XXXX they couldn't give me any information on the account because they couldn't find it. From what I see on XXXX XXXX the account was opened on XX/XX/XXXX of 2022.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

Sent money through Western Union app. Amount is {$270.00}. Sent on XX/XX/XXXX and supposed to received few hours after I sent but was put on hold and no information received from them. Talked to customer service and they keep me on hold for nearly an hour and it happened twice. Finally got the money 5 days after the sent date.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (TX)

On XX/XX/XXXX I engaged a lender to start the refinance process of my home and gave that lender the right to pull credit reports for my wife and myself. On XX/XX/XXXX, I received an email from Ditech, my current servicer, indicating they received a notification when customers have a credit inquiry from another mortgage lender. Within that email was an incentive from XXXX XXXX with Ditech indicating that if we chose Ditech to refinance a {$250.00} Visa gift card would be sent to me. 

Such an incentive is an unethical way to obtain business as is any system set up to trigger an alert if a customer has a credit inquiry from another mortgage lender. It is an unfair and deceptive technique to use to obtain business and any incentive given for using a lender is unethical.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

After receiving my report from XXXX  I learned that they still had two other people ssn, addresses, collections and phone numbers on my report. I filed a dispute on the accounts and they keep saying verified. I asked them to send me proof of signature or a form of verification and they couldn't. These things have held me back for years. This is stressful and my anxiety is thru the roof over this.
Consumer complaint received 2017-09-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX my debt to XXXX XXXX. This debt was paid in full on XXXX/XXXX/XXXX. Both XXXX and XXXX show on my credit report as negative. XXXX agreed to remove the debt from reports once paid in full. I have called them multiple times since my XXXX payoff and they are telling me that they have done what they need to do to remove and it 's out of their hands. I have filed disputes with all 3 credit reporting agencies and they say the information is correct. 
XXXX tells me that when they sold the debt to XXXX their negative reporting should have been removed. Again, I have filed disputes with all 3 agencies and am told that the information is correct. Meanwhile XXXX and XXXX say that they have done all the were supposed to do to have removed. 
No one is taking responsibility.
I would like both debts removed from all 3 agencies report.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding an inaccurate collection account falsely listed on my credit report. These accounts, originating from XXXX XXXX XXXX, XXXX XXXX XXXX and Portfolio Recovery Associates are unauthorized and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract. 

Specifically, these account violate : Privity of Contract : I have never entered into any contract or agreement with XXXX XXXX XXXX, XXXX XXXX or Portfolio Recovery Associates and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate. 

FCRA Section 615 ( a ) ( 1 ) : XXXX XXXX 's, XXXX XXXX XXXX 's and Portfolio Recovery Associate 's obligation not to furnish inaccurate information to credit reporting agencies. 
FCRA Section 621 : XXXX XXXX XXXX, XXXX XXXX 's and Portfolio Recover Associates potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ XXXX {$1000.00}. 
Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts.

Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud. 

I have never had any dealings with XXXX XXXX XXXX, XXXX XXXX or Portfolio Recovery and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract. 

I demand the immediate : Investigation of this matter by the CFPB. 
Removal of the inaccurate collection account from my credit report by XXXX XXXX XXXX, XXXX XXXX and Portfolio Recovery Associates. 
Compensation for my time and effort spent disputing this illegal account. 
Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered. 

Thank you for your prompt and serious attention to this critical matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-18
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. (GA)

This letter is to formally notify you per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX  is a financial institution by definition under 15 USC 6801. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Experian and XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, XXXX and Experian are not maintaining reasonable procedures. Also,12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting this account out of your reporting services effective immediately.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (VT)

In XXXX, 2023 I received a prepaid Visa Gift Card for {$500.00} from a friend. In XXXX there were apparently multiple fraudulent charges using the card. I did not realize this until XXXX when I first used the card for several purchases. It was when I decided to see what the remaining balance was I learned about the fraudulent charges. In XXXX I contacted the US Bank XXXX card folks and explained the situation. They agreed to research it and eventually sent me a replacement card for {$110.00}. I received the card and activated it on XX/XX/XXXX, but have yet to use it. I re-contacted them because there was still {$100.00} missing on the card, and eventually after faxing to them the front and back of the replacement card and my drivers license they sent a letter dated XX/XX/2023 telling me they had made a final determination regarding my claim and that another card for {$100.00} would come out to me in XXXX business days. I have yet to receive it. And I still can not use the first replacement card they sent, or access the on-line details they keep telling me to use. 
At their request I have faxed the above referenced information to them seven times, and recently sent it via USPS as well. 
I'm not getting anywhere, and truly appreciate your help in this matter. Every time I call I'm told to fax the same info and call back in 7 days. Then we go around again. I'm due to call them next Tuesday, XX/XX/XXXX. I'm not sure I'll bother, but then they owe me {$210.00}, and they know it. 
At one point a representative actually gave me the address where she said a replacement card was sent ( to me presumably ) at an address in XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I've no idea if this happened or who got it but the address she provided was XXXX I've never heard of, and certainly didn't provide to them.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

On XX/XX/ I spoke with Equifax customer service I have purchased XXXX Equifax and XXXX accounts to keep a track my credit score online I am able to see my updated XXXX files but Equifax has an error or BLNK I was advised my credit file may be split in half I have repeatedly called Equifax and given this code as the website instructs me to do I am told someone will reach back out no one has contacted me as of date I contacted again today XX/XX/ and still not resolution I would just like to be able to pull and have my updated credit score each month as every other consumer
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.