davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
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 was a victim of the XXXX data breach not only did it effect my XXXX but it also effect XXXX and Experian. This has cause me tremendous hardship because all of my credit has been exposed and supplying information to my personal credit. Causing me and my family difficulties in everyday life and values and the American dream. If one Bureau is inaccurate then they are all. There's no way we can determined what's correct or incorrect. There's no way in telling how long I been exposed to this data breach and how it will effect me and my family in the future. I'm asking for XXXX and Experian to make this right by deleting everything off of my credit reports asap. XXXX has admitted that they were at fault and I want Experian and XXXX to follow suit because they are all using the same info to furnish their. So if one is wrong they are all wrong
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (VA)

on XX/XX/XXXX i received an email from the U.S. Department of Education which stated ; XX/XX/XXXX Dear XXXX XXXX : Subject : Student Loan Discharge Based on Borrower Defense Evidence The Department of Education ( " Department '' ) has determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX from XX/XX/XXXX through its closure in XX/XX/XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). 

Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. 

You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. 

If you do not wish to accept this discharge, please contact your servicer within 30 days of receiving this letter. 

It will take the Department some time to process your discharge. Until the Department completes its work, your eligible loan ( s ) from XXXX XXXX XXXX will remain paused in forbearance/stopped collections, and we will not ask you to resume making payments. If your loan ( s ) are in default, we will not attempt to collect on the loan ( s ) being discharged. If you have other loans not covered by this group discharge, you will enter repayment and/or collections when the national pause on student loan repayment and collections ends. 
_____________________________________________________________________ Since this email my student loans were moved from XXXX to Mohela- without my authorization. i have called and worked with Mohela for months/years now to get these loans discharged and they continue to say that they have nothing to do with it. the US Department of Education would do that. I call the US Department of Education and they tell me the issue would be with the loaner provider ( Mohela ) I have been playing this XXXX XXXX XXXX ever since and haven't gotten anywhere.
Consumer complaint received 2023-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

An account appeared on my consumer report name Debt recovery Solution and this is not my debt they are collecting on behalf of APP XXXX. I have never been to this hospital nor have I had medical treatment in well over 3 years and I have XXXX XXXX. I am a victim of identity theft in the pass and I have notified the XXXX major consumer reporting company.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I bought a piece of furniture on XX/XX/XXXX. XXXX was supposed to take place XXXX weeks after purchase. On XX/XX/XXXX the company filed for bankruptcy. They were purchased by another company who continued to say that would try to settle debts with vendors so that purchased furniture could be delivered to customers. In XX/XX/XXXX the company canceled my order and had me file a claim against the bankruptcy and be listed as a creditor entitled to payment. The deadline for submitting was XX/XX/XXXX. I emailed the law firm and they said to get back in touch after that deadline. Now they are saying that there will likely not be any reimbursement for unsecured creditors because the debts are too great. My bank is saying that they cant help me because I didnt file the dispute within 60 days.
Consumer complaint received 2023-05-13
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. (MO)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I value your help to remove a portion of the data in my credit file that came about because of a Fraud yet I have an items passed on that should be taken out or removed. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ( Original Creditor : XXXX ) XXXX Balance : {$540.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$430.00} XXXX XXXX XXXX XXXX : {$230.00} XXXX  XXXX Balance : {$380.00} XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance XXXX $ {$4900.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

Around the beginning of XX/XX/2024 Zelle XXXX owned by Early Warning Systems Inc, Suspended my Zelle profile with every financial institution. There was no reason or explanation as to why my Zelle Profile was Disabled with my Banking institutions. After further investigation it it appear that XXXX XXXX  opened fraudulent account 's a Money Market, Savings, and Checking. XXXX XXXX  also opened an online banking profile, and Zelle Profile. I called XXXX over 15 Times, and Advised them. First of all I have never applied for any of the account 's listed above, I have never signed any applications and these were fraudulent account 's. I have asked XXXX to Deactivate the Zelle profile as It was opened as part of Identity Theft, XXXX refuses to deactivate the profile and said they are investigating it. Meanwhile, XXXX reported FALSE information to Early Warning stating that I may have used Zelle for a fraudulent transaction or for illegal purposes. Which means you may have used it for Money Laundering, Or If one of the Zelle transactions has been used for Gambling Purposes, Or If a Zelle Transaction has been used for a scam or if it has been reported as Fraud by the receivers bank for any transaction sent. None of this has occurred. I never have disputed any Zelle Transactions, I have never used my Zelle for any Illegal Purposes, Nor have I violated any Zelle Terms or Conditions. I only use Zelle for paying my family for Tips or splitting the bill if we are out to eat. I do not send ZELLE to anyone I do not know, and nor have I ever disputed any Zelle charge. Fraud nor Dispute. Yet due to Discovers INACCURATE LIES And reporting, Early Warning Systems put a suspension on my Zelle Profile globally, Like a Black list of sort. This is causing me Financial HARM. Again, I have never disputed a single zelle charge, and I have never used it fraudulently. XXXX is my actual bank and it was disabled. XXXX says they can not assist me, Because they did not report any information about me to Zelle. XXXX Did, I am now requesting A Dispute to the reported information from XXXX. I want my Zelle Profile Reinstated with Zelle. I am submitting my Dispute to the reported information. This information that was reported from XXXX Is false and Inaccurate, and It has caused Zelle to take a Global approach to Suspend me as a customer based on false pretenses. I am a victim of Identity Fraud, and I did not committ any fraud against Zelle. I did not use Zelle to infringe upon any of their terms and conditions either, and I have never used zelle for a fraudulent purpose. I read the terms and conditions and I want to be removed from the false reporting by XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC (TX)

I received a notice on XX/XX/23 from SCOTT & ASSOCIATES P.C. that I owe them a debt. 

I have no contact with them, nor have I done business with them. I have sent notices to cease and desist and remove themselves as third party interloper/trespasser in my private affair, but they keep sending my notice and ignored my cease-and-desist notice. 

Attached to this case are all the communications between me and SCOTT & ASSOCIATES P.C.
Consumer complaint received 2023-02-28
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: CrossCountry Mortgage LLC (FL)

Submitted a loan forbearance in XX/XX/XXXX due to hurricane Ian and Nicole. During the months of XXXX and XXXX our credit report showed late. I called in XXXX and was advised it would be adjusted. XXXX was marked paid, XXXX was reporting late again. XXXX I called again, they said they would fix the problem. Again, fixed and then immediately report late for the following month. Removed forbearance in XXXX of XXXX. Spoke to customer service who advised me that it would take 2 weeks to review the file and we will be notified if the payments are added to the end of the loan. Come XXXX we still see no change to the balance owed, called multiple times with all different answers. Finally advised I need to fill out the loan modification documents. Completed that on XX/XX/XXXX. After multiple requests for our forbearance and for credit report to be fixed, neither have been done.
Consumer complaint received 2024-02-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Voss & Klein, LLC (MO)

That was lease purchase equipment they decided to take the equipment and sold them at the auction then they ask me for the amount I put down as security deposit over {$98000.00} They destroyed my credit score my business in process they sold the trucks already XXXX XXXX XXXX Last reported XX/XX/XXXX {$97000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Remarks Original creditor name Individual Account information disputed by consumer, meets FCRA requirements XXXX XXXX XXXX.
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/2023, {$15000.00} was stolen from my XXXX XXXX XXXX  savings account via Zelle. This happened as I sat in the bank lobby waiting to talk to a banker and after a teller had confirmed that I was speaking to XXXX XXXX XXXX  fraud department on my phone. By the time I was seen by the banker, my entire savings account had been drained. Neither XXXX XXXX XXXX or Zelle want to take any responsibility for this. I've already received my refusal letters from XXXX  XXXX XXXX and am expecting my Zelle refusal any day now. I have filed a police report and will be contacting the Texas attorney general if my money is not returned to me.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was late. I have XXXX XXXX  and had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for a consolidated statement. BOA gave me one, then two days later I got another late bill. I had no time to pay as they were past due when I PERSONALLY RECEIVED THEM AND BOA TOLD ME THEY WERE NOT RESPONSIBLE FOR USPS. THEY TWISTED THIS COMPLAINT into a nightmare for a sick, XXXX XXXX XXXX widow of XXXX  years now. 
In XXXX I had to change the name from just XXXX XXXX XXXX to XXXX XXXX XXXX. It was because my XXXX XXXX I proved he was dead to all banks, etc. to straighten things out. 
Check before XXXX, please. You WILL see my late husbands name up until XXXX, he XXXX  XX/XX/XXXX. 
I dislike this manner of treatment and it is definitely biased!
Consumer complaint received 2023-05-20
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. (NJ)

To whom it may concern : I am writing to dispute an inquiry XXXX XXXX XXXX XXXX ) that appears on my credit report. The inquiry in question was made without my knowledge or consent, and it is inaccurate and unfairly impacting my credit score. 

I request that this inquiry be removed from my credit report as soon as possible, as it negatively affects my ability to access credit and other financial resources. I have reviewed my credit report and have not authorized this inquiry nor know it. 

Please provide me with written confirmation that this inquiry has been removed from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (LA)

I took out a loan through World Finance years ago. And paid it back in store in less than a month. PAID IN FULL. Since then this loan keeps showing up at derogatory on my credit report. I have disputed it and won on multiple ovcasions but they dont see to understand that you cant double charge someone for a loan and now it is back on my credit report once again.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IL)

I've been a Chase customer for years with a credit line > $ XXXX. My wife got a referral offer for the XXXX credit card. She is a cardholder and I've been marketed to numerous times. I finally decided to apply and they decline me, despite the fact my account is in perfect standing ( and I haven't even paid interest because I pay in full every month ) and my Chase-proprietary credit score is XXXX out of XXXX. Nearly perfect. I called Chase and all they could or would do is read back the letter to me, which was emailed to me. They didn't even bother to mail the rejection. In the end, I got a hard inquiry and a no real explanation, nor anyone that can actually help me. 

I pay off my credit card in-full every cycle on all my credit and charge cards, including Chase, XXXX my very high XXXX XXXX, and I wonder if this decline is more of the fact I am unlikely to generate the revenue they want versus I am a bad credit risk.
Consumer complaint received 2023-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

Employment verification forms were submitted in XX/XX/XXXX and was told it would take 90 days to process. These forms were improperly flagged as duplicate forms and not processed towards the end of the 90 days in XX/XX/XXXX. I called MOHELA to correct them and they put it back in processing but was told it would be another 90 days to process that form despite this being an error entirely on their part. I would like proper processing of my employment verification form and for my payment counts to reflect that the time period from XX/XX/XXXX to XX/XX/XXXX where I was in forbearance under a qualified employer- as promised under the limited waiver.
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, COLLECTION, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

This account is a fraudulent account, I am requesting to investigate this account, I don't owe and neither sign any contract with company.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX 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 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (NY)

When we attempted in XXXX to pay our mortgage to Mr Cooper, we were unable To log into the online payment app. We have always paid every XXXX weeks and were up to date with payments. We were unable to contact the company by phone or email and received nothing by mail or email. From reading some articles online, it seems that our mortgage was now to be with XXXX services, some offshoot of Mr Cooper. We paid via a phone app for XXXX but felt very uncomfortable, it all seemed very unprofessional and cagey. Now the XXXX site is saying mortgages have transferred XXXX. We still have had no written or email communication and attempts to call or use their live chat has been unsuccessful. I have tried XXXX today and as usual the lines to speak to either a real or virtual person are crammed. I do not feel comfortable paying a different random person each month without some kind of formal communication. 
According to XXXX website, this site is not authorized by the New York XXXX Department XXXX XXXX XXXX. No mortgage loan applications for properties located in the state of NY will be accepted through this site
Consumer complaint received 2023-05-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent you a letter last XX/XX/ but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-04-17
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. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS

STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.