davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (NJ)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

Your agency is in violation! 
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. 
Delete this at once! 

Listed below are the Accounts that are being challenged 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 Listed below are the Inquiries that are being challenged XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX, XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXXXXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2024-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (TX)

I received a promotion from Discover through email stating that my account was targeted for a promotion and that if I deposited {$25000.00} in new funds into my account by XX/XX/XXXX  and held them there through XX/XX/ that I would get a {$200.00} bonus on or before XX/XX/. 

On XX/XX/, I contacted Discover to verify that if I initiated a transfer that day I would qualify for the promotion and their representative said that I absolutely would get the bonus if I went through with the transfer. Knowing that, I went ahead and transferred {$25000.00} into my Discover account online through Discover 's website. 

I did not receive the bonus by XXXX, so I called Discover on XX/XX/. They initiated an internal dispute and then I received a letter dated XX/XX/ stating that I " did not meet the promotional criteria. '' It did not say why. 

I am very upset that Discover does not honor its own promotions, and that a representative told me my account was specifically targeted for this promotion. The only reason I transferred over {$25000.00} to Discover was to receive the promotion bonus. I was mislead and lied to! This was a bait & switch. I am very upset and I'm sure I'm not the only one. Financial institutions shouldn't be allowed to do this!
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I sent in my annual PSFL re-certification so my previous months quality towards my loan forgiveness. I sent the form in on XX/XX/XXXX. But on XX/XX/XXXX. Mohela said it was a duplicate and canceled my form. I have not re-certified since XXXX XXXX with federal loan servicing. 

So on XX/XX/XXXX I emailed Mohela through their online customer service portal about the error. On XX/XX/XXXX, I received this response from Mohela : MOHELA 's Response : Thank you for contacting MOHELA, We apologize for the inconvenience. As of this writing a request was submitted to have your PSLF application reprocessed. You will receive notice when processing is complete. 

If you have any additional questions regarding your PSLF application, please call toll free at XXXX. XXXX XXXX XXXX. to XXXX XXXX., Tuesday through Friday XXXX XXXX. to XXXX XXXX., and Saturday XXXX XXXX. to XXXX XXXX XXXX. 

However, on XX/XX/XXXX, Mohela canceled the PSFL form. I then sent another message to their customer service, but no one is responding to me. 

My total loan payments is supposed to be 113 payments and I am supposed to have loan discharge by XXXX of XXXX. Instead, because Mohela refuses to certify my XXXX, the system still has me down as only having made 100 payments. 

I never had these issues with XXXX XXXX XXXX. Mohela is a nightmare and trying to sabotage me from having the correct number of payments made/counted and preventing me from having my loans discharge by XXXX XXXX, because they will not be able to financially benefit from it. Congress needs to investigate this ASAP. A quick XXXX search on this and thousands of students are having the same issues with their PSFL and Mohela. It's so widespread, it is even discussed about on reddit. The re-certificationperiod is for XXXX XXXX XXXX XXXX XXXX. I always make sure to send an annual PSFL so my correct payment counts are corrected annually. 

I need help getting my payments certified so my total payments gets adjusted. I need CFPB help! Again, I am supposed to have 113 payments made, but Mohela is only counting 100 as they keep rejecting my annual PSFL certification. 

Thank you!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NV)

I am writing to formally dispute and bring to your attention significant inaccuracies in my credit report related to an account with Greensky. I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ), and I request your immediate investigation and correction of these discrepancies. 
Recurring Charge-Off Reporting : Greensky has been consistently reporting this account as charged off every month. This practice is not only inaccurate but also violates the FCRA by updating the account and extending the statute of limitations. This re-aging is fraudulent and illegal. 
Inconsistent Opening Dates : There are inconsistencies in the opening dates reported by Greensky across all credit bureaus. This inconsistency raises concerns about the accuracy and reliability of the information. 
Illegally Changed Date of First Delinquency : The date of the first delinquency has been altered, which is a direct violation of FCRA regulations. This unlawful modification misrepresents the actual delinquency history and impacts my creditworthiness.
Consumer complaint received 2024-04-16
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. (FL)

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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (VA)

Requested SageStream , LLC which is now part of XXXX XXXX to remove the following information from my Consumer Disclosure Report they have on file. 

SECTION 3 : Other Reported Personal Information 1 ) ADDRESSES : All the listed addresses below do not belong to me nor I have ever lived at any of them : 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. PHONE # : XXXX ( This phone number is not mine ) XXXX. Requesting that all of the below inquiries be removed my account as I have not applied for credit with any of the creditors nor do I have any type of account with these creditors ( A ) 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 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 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 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I attempted to initiate a fraud alert with Transunion on XX/XX/24 after I noticed fraudulent rental history on my transunion credit report, but I was denied access to my account and transunion would not allow me to file an alert even after speaking with customer service. I was told I could not log onto my account and alert to fraud until I had sent Transunion a photo id and documents that show my residency. Do to the pressing nature of fraud, I believe consumers have the legal right to alert to fraud on their account in a way that is not unreasonable or difficult for the consumer.
Consumer complaint received 2024-03-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (OH)

I opened a certificate of deposit with Marcus By Goldman Sachs Bank and it was funded on XX/XX/year>. They stated prior to opening the account that they can and will transfer the monthly posted interest at end of month to one of my external accounts. Shortly after opening the account I made a phone call to initiating the request to have my interest from this certificate of deposit transferred to my XXXX XXXX savings account. Today my money interest posted and the transfer did not initiate so I called the bank on the phone and the representative told me it only takes XXXX days for the request to complete and become effective and I put this request in approximately 30 days ago and the interest transfer was not complete. The phone agent told me she would attempt to escalate this. Attempting to escalate this matter by a phone agent does not give me the confidence that this problem will resolve. XXXX interest payments have not transferred so I believe i need to pursue this complaint. I need the money to pay my bills. Will the Consumer Financial Protection Bureau please help to get my interest payments disbursed to my XXXX XXXX savings account.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sequium Asset Solutions, LLC (NC)

I received an alert from my bank saying a collection had been added to my credit report which surprised me because I haven't missed any payments on anything. 

When I checked my credit report, there was a collection for an account from original creditor XXXX XXXX for an astounding {$14000.00}. I have never had any mobile devices with XXXX and have no idea what that sum of money is related to. Also from a state I've never resided in. 

I have contacted the current debt collector, SEQUIUM ASSET SOLUTIONS INC, to dispute but have not received any response at all. 

I also disputed it on all three credit bureaus. XXXX and XXXX both removed it from my credit report but XXXX are saying it's accurate and won't remove it. Now I can't request any additional info from XXXX ; they're saying I have to snail mail a request or call during business hours which is when I work. 

This is significantly damaging my credit and I have never received ANY notices in the mail about any debt until I got alerted from my own bank that something was added to collections.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

With a goal of increasing my credit score ( which is above XXXX ), I recently applied for a new credit card and was contacted saying I needed to unfreeze my credit reports. I had no trouble unfreezing with the other two companies, but Experian has been an ongoing problem. I continue to be locked out from my own account because they do not acknowledge that my only phone number I've even had is associated with my account. I have tried logging in via alternative sign-in options ( 'sign in through your google account ' ), which also fails. Thus, I am unable to apply for any additional credit lines due to this freeze. I have requested to log into my account through all options allowed by their site, but am barred from entry and have no way through the system except for my phone number which they do not recognize. I think it is completely inappropriate that professional lapses by this private company could impact my financial fate in this manner. I ask the CFPB to reevaluate the unacceptable consolidation of power by these private interests.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX I was going over my credit file AND FOUND SEVERAL ERRORS. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete remove all the following addresses : 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  I have never lived at these address please delete them.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I affirm that the presence of incorrectly reported late payment remarks on my accounts is a violation of XXXX XXXX XXXX. Each payment linked to these accounts has been promptly submitted, and any deviation from this accurate reporting is unjust and unlawful.
Consumer complaint received 2024-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (TX)

I am formally complaining against Quality Asset Recovery regarding their persistent failure to respond to my repeated requests for validation of a debt they claim I owe. Despite my diligent efforts to obtain the necessary information, Quality Asset Recovery has remained unresponsive, disregarding their obligations under federal consumer protection laws. 

In summary, after receiving notices from Quality Asset Recovery asserting my indebtedness, I promptly sought validation of the alleged debt. Pursuant to the requirements outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Health Insurance Portability and Accountability Act ( HIPAA ), I sent multiple written requests to Quality Asset Recovery seeking : 1. An itemized breakdown of the debt, including all fees, collection costs, and medical charges. 
2. Documentation demonstrating my authorization for the release of my medical information to their agency by the original service provider. 
3. Immediate cessation of any reporting of the disputed debt to credit bureaus until its validation. 

Despite my clear and specific requests, Quality Asset Recovery has failed to provide any of the requested documentation or acknowledgment of my inquiries. Their consistent lack of response not only disregards my rights as a consumer but also obstructs my ability to address and resolve this matter effectively. 

Consequently, I am left in a state of uncertainty and vulnerability, unsure of the validity of the debt in question and unable to take appropriate action to rectify the situation.
Consumer complaint received 2023-10-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (FL)

It was during COVID. I received help with rental assistance for 2 months rent. I preceded to receive assistance for an additional 3 months rent. Rental manager got upset I was receiving help from government and that the assistance check from government would take a while to be received by apartment ( XXXXXXXX XXXX XXXX  ) in XXXX FL so they decided to throw all my belongings out of my apartment while I was at work and change the locks. I was not given no eviction notice or anything. The collection account is being handled by capstone credit and collection. My lease was up and last 3 months living there I was on month to month but as I was in process to receive assistance from government for rent during COVID she had my items removed and locks change, left me homeless. Crooked apartment complex.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have an account on my credit report that is closed and shown as charged off with a balance due of {$13000.00}. This is by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my account was issued a 1099-C for debt cancellation, but the account balance still shows {$13000.00}. It has not been updated to {$0.00}. XXXX XXXX XXXX XXXX not let me settle the account balance with them as they have already issued a 1099C, and they still will not update my balance to {$0.00}. So I am stuck here with no other options! As of XX/XX/2024, the balance on my credit report still shows {$13000.00}. I have also filed disputes against this with all 3 credit reporting agencies still yet to hear back. One did get back to me ( Experian ) but did not actually resolve anything. That is why I am escalating this to CFPB to step in to help me get this resolved. I can not apply for mortgages as it still shows a balance and causing my credit utilization ratio to go over 70 % due to such a high of a balance, and I can not resolve this with the company either as they already issued me a 1099. 

I have attached my credit report for reference and I also did file a complaint with XXXX XXXXXXXX XXXX as well but I want this fixed on my credit reports as well.