davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I have had several issues with Mohela which all of them are related to what you see below. My account has not been updated for PSLF. Please review below. They have not responded to any of my 5 complaints or 6 emails .PSLF application was processed on the XX/XX/XXXX Subject : Complaint Attachments Mohela Received Date XXXX XXXX XXXX XXXX Your Question : Hello, My PSLF Manual Application was Processed on XX/XX/XXXX, according to your system. I know there is some waiting time where Mohela has to request my loan from my current servicer, which has taken a while, but I want to make sure I am going to get Waiver applied. I have gone through a lot to get this transferred, and if I am not going to get credit for the waiver, I could have left my loan with my current servicer, so any clarity you can provide would be great. I appreciate your time. I was told back in XXXX that this would take 90 days from the date that the PSLF application was processed. My original PSLF was processed on the XX/XX/XXXX application for the waiver, so my question is, when will my application/waiver be processed, and how long will it take for my count to reflect the payments I made with my original servicer before consolidation? XXXX XXXX MOHELA 's Response : Dear XXXX XXXX XXXX XXXX Thank you for contacting MOHELA. Due to the complexity of your request, please contact us at the number below. Sincerely, Customer Advocacy Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correspondence : XXXX XXXX XXXX, XXXX, MO XXXX Payment : Department of Education MOHELA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX mohela.com XXXX XXXX MOHELA This message , from a debt collector, is an attempt to collect a debt. Any information obtained will be used for that purpose. California residents : The state XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX or after XXXX XXXX They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

These bureaus has over XXXX hard inquiries to my consumer credit report. These inquires are not tied to any open accounts that I have and I do not recollect any of them. XXXX will not remove any of the inquiries and they are causing me hardship and severe damage to my personal and business life. My home life is grossly effected and causing a great deal of harm to me and my family. This is identity theft and per 15 U.S. Code 1681c-2 they have to be removed. Pursuant to 15 U.S. Code 1681b this is not a permissible
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ADP Inc. (LA)

The payroll tax documents were issued and filed incorrectly putting my personal name instead of my business name also even though they signed my company up as a tax account they later changed and said it was no longer a tax account even though money was taken out for payroll taxes. The liability there is high and I still have no word on any resolution however without my taxes getting corrected I can not get a ppp or ERC. Nor do anything for my business since 2021.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

The company will not allow me access to my credit report I've reported that someone hacked my email and password for the account and they refuse to investigate and allow me to freeze credit and report fraud XXXX and Experian both
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (FL)

There are accounts on my consumer report thats is identity theft. I didnt provide written permission with a wet signature for them to be reported on my consumer report. I reached out to you recently to fix these! Im requesting that this info is blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint not being handled accordingly. I have not been able to puurchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Consumer complaint received 2023-06-30
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)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Paypal Holdings, Inc (MS)

First I have never received anything in writing from VENMO on this matter. 

Hackers from XXXX went into MY SSA APP changing my direct deposit to XXXX XXXX on XX/XX/2023. They've been holding these funds for over 5 months without contacting me or SSA. Why did they not send them back SSA? XXXX with my local Social Security & i called XXXX on XX/XX/2023 telling them that I was a victim of Identity Theft & they told us that I had NO access to account. I had no idea it was an old Venmo account that I had closed months before because of Hackers getting in & out of account constantly. The US TREASURY & SSA told me & Venmo verified that funds are in old account. WHY??? ITS BEEN OVER 6 MONTHS... 
I've sent Venmo all identification & documents from SSA saying that they're holding my XXXX payment because I've been over paid by {$1600.00} ( during a recession ).
Consumer complaint received 2023-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MI)

Please help there is fraud going on with Mr. Cooper Loans in XXXX, MI XXXX. They are trying to raise our Mortgage almost {$800.00} overnight. This is FRAUD! You have no right to come near the food that I put in my families mouth you scum bag gangster bankers. Mind your own business or pay of my home in full and drop my identity after. Turn yourself in for fraud who ever did it, you'll want to ensure that this never happens to another USA human being. We were sold by XXXX XXXX to this company. We called XXXXXXXX XXXX  from XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX. I said victim of crime and took no responsibility for a criminal designed credit score. I only claim responsibility under the whole truth, I represent truthfully a perfect credit with no debt/no missed bill payments represented by USA FBI direction to open XXXX XXXX XXXXXXXX XXXX XXXX XXXX and to copy the Attorney General of California now to my home State Michigan. I keep getting charged for a criminal credit using my identity, police case stale was reported. Yet they continue to get rid of me and penalize me for an untruthful low credit that I did not design after the year XXXX. My whole case was not represented legally until year XXXX or late XXXX year until heroic Lawyer simply followed USA law for the first time. XXXX XXXX XXXX. of XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX, MI represents my cases in full and my missing daughter that was abducted by criminals.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (IL)

We purchased a sliding glass door from XXXX on XX/XX/2022. Door was not available until XX/XX/2022. We were not informed about the interest charge in addition to normal interest if not paid off by the end of interest free period
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Credit Bureau Name : Equifax Information Services LLC Credit Bureau Address : XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN : XXXX RE : XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payment on ( XXXX ) on the account ( XXXX XXXX XXXX XXXX XXXX ). 
This is not true, I was not late on ( XXXX ). I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-11-17
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)

Equifax keeps refusing to block the information, XXXX, and XXXX have already done it. I have about eight fraudulent inquires. I have submitted a ftc identity theft report, to equifax with the inquiries listed to all three of the credit reporting agencies and they are the only one who refuse to block. Tell me why. Once again could you please block/removed/delete these eight fraudulent inquires from my credit report, I am currently applying for employment and they check credit and these fraudulent inquiries are ruining my credit worthiness.
Consumer complaint received 2023-11-17
Product: Credit 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: JPMORGAN CHASE & CO. (GA)

I used my Chase credit card on XXXX XX/XX/XXXX to make a deposit for a trip planned to XXXX in XX/XX/XXXX the trip was canceled. XXXX told me since it was over 180 days I had to dispute charges through Chase bank and the bank will contact XXXX I have been going back and forth with Chase for several months and they keep putting the charge back on my account. The travel agent XXXX from XXXX XXXX XXXX told me to have Chase to dispute the charge and my credit card will be returned and sent Chase every thing I have pretending to this and still yet nothing being done
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (AZ)

True Accord has attempted to contact me through my wifes personal email address and they violated the TCPA by sending me unsolicited sms text messages about a debt from XXXX satellite service which I never incurred and is not listed on my credit report. I responded the to email requesting to dispute the debt but they replied that they will only continue if provide my mailing address for a dispute confirmation letter. I refuse to release my personal information and requested they email me confirmation. They never did. About a month had passed and they began to sms text message me again stating they will settle the debt and offer a partial write off. I dont have an unpaid debt to write off. I have never had a satellite subscription ever. If True Accord is a legitimate business, they need to be heavily audited and fined for violations.
Consumer complaint received 2023-10-03
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. (FL)

I have already disputed these accounts on the basis of identity theft, I even did an identity theft report through the FTC, yet the bureaus are still reporting the following accounts : XXXX XXXX XXXX {$1500.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} Also Experian keeps listing a XXXX  XXXX docket number XXXX which was done by an attorney without my consent XX/XX/2018. 

I am including said FTC report as evidence that I have tried to address this once already.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank NA XXXX XXXX XXXX XXXX XXXX XXXX Capital onXXXX XXXX XXXX XXXX XXXX I request that these inquiries be removed from my report because were not authorized
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-09-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

I was told by an Agent of Nationstar that they do not charge a fee for pay online customers on their website if the account is current as well as up to 9 days past due, They go thru XXXX XXXX and do not charge Customers the fee to pay online. At 9 days past due and after to pay online on their website they charge a transaction fee of XXXX which they state goes to XXXX. XXXX This is on top of a late fee at 15 days past due. ) The concern here is that current and past due customers up to XXXX XXXX do not have to pay for XXXX services, but customers after XXXX XXXX have to- this is targeting a group of individuals and is unacceptable. Either way the fee should be subsidized for ALL Clients or the fee charged for ALL Clients. XXXX doesnt know that these folks are past due. I can not stand dealing with this company, the right hand has no clue what the left hand is doing and I 've had to spend my valuable time doing this research- I was on the phone for just shy of an HOUR with them on XXXX XXXX unacceptable!
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (KS)

Im in the XXXX as an XXXX, got to my first XXXX XXXX and started to buy essential items for general living. The credit card company let me go over my limit by around {$300.00} and didnt contact me whatsoever and now I am struggling to pay off the credit card and also maintain my well being and buy essential items such as food, clothes, and military gear.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is emphasized that consumer reporting agencies, such as Equifax and XXXX, must conduct their responsibilities with fairness, impartiality, and a sincere regard for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by Section 6801 of 15 USC, which asserts that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information.

It is crucial to note, as per Section 604 ( a ) ( 2 ) of 15 USC 1681, that any consumer reporting agency, including those aforementioned, is only permitted to furnish a consumer report in accordance with the explicit written instructions of the concerned consumer. In this instance, I have not provided consent, written or otherwise, for the furnishing of my information to credit agencies, as explicitly stated in Section 6802 ( b ) ( c ).

Moreover, Section 1681s2 ( a ) ( 1 ) ( A ) of 15 U.S. Code emphasizes that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax and XXXX, by reporting adverse information without my permission, are in violation of the law outlined in Section 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including certain adverse information in reports without authorization. 

Additionally, these agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specified purposes. It is evident that Equifax and XXXX are not upholding these reasonable procedures. 

Furthermore, 12 CFR 1016.7 emphasizes the consumer 's right to opt out at any time. In exercising this right, I hereby declare my decision to opt out of the reporting services provided by Equifax, XXXX, and any furnisher of information to credit agencies. Any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

In conclusion, I urge strict adherence to the legal provisions outlined above and expect immediate cessation of any unauthorized reporting of my information to credit agencies.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX