davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

XX/XX/XXXX To whom it may concern, I am currently enrolled in Public Service Loan Forgiveness program offered by the US dpt of Education. 

I have been working as a XXXX part time employee at XXXX XXXX since XX/XX/XXXX and also a XXXX part time employee at XXXX XXXX XXXX XXXX since XX/XX/XXXX in order to be qualified as a full time employee according to PSLF application up until the recent PSLF changes. Both my employers are non-profit organizations and I am still working at the same facilities.

The reason why I am writing to you is to file a complaint against MOHELA and to request help from your organization. My employment status for the month of XX/XX/XXXX is not being counted as an eligible payment for no valid reason. 

I have made numerous phone calls to MOHELA and spoken to many different representatives this year. I also have been sending them many emails along with documents showing proof of my employment, requesting correction. My first PSLF employment certificate for this year was sent on XX/XX/XXXX. Since then, I had to resend the PSLF employment certification forms on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as requested by MOHELA. 

Each time I contacted MOHELA about this issue of this year, they requested that I wait for XXXX, XXXX, and even XXXX days for them to re- process/review my employment certificates. This has been going on since XXXXXXXX XXXX XXXXXXXX, and it is now XX/XX/XXXX. So far, nothing has been corrected. 

I have been employed at the same hospitals since XXXX and XXXX. Nothing has changed with my employment status. Yet, MOHELA decided to not count my XX/XX/XXXX payment towards PSLF and has been ignoring my request to review.

I would like to formally file a complaint against MOHELA and am asking for your help to rectify this ongoing issue with MOHELA. Please do not hesitate to contact me if you have any questions regarding this issue. 

Sincerely,
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX Is reporting this collection as an " OPEN ACCOUNT '' XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : COLLECTION ACCOUNT Contact Info XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX Open Account XX/XX/XXXX XX/XX/XXXX {$630.00} XX/XX/XXXX 0 % {$630.00} S633 Individual Account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. Your organization is in breach! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights. In accordance with 15 U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency can not provide an account without my written consent. Referring to 15 U.S.C. 1681c. ( a ) ( 5 ) Section, it prohibits any consumer reporting agency from including certain adverse information in a consumer report, except for criminal convictions older than seven years. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information to any consumer reporting agency. Listed below are the Personal Information that are being challenged Incorrect DOB - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX and TransUnion are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by XXXX to report late payments on the XXXX  Account # : XXXX, in line with U.S. Code 1666b. XXXX  NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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

XXXX, XXXX : # XXXX, XXXX, XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, 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.

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 items of information, other than convictions of crimes which antedates the report by 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.

These inaccuracies are damaging to my reputation. Making it impossible to obtain a home, vehicle, credit, and employment.
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

I'm not liable for the debt of {$550.00}. I don't have a contract with RESURGENT RECEIVABLES and I did not signed any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original credit XXXX XXXX XX/XX/2023 and declared my card stolen and reported unauthorized transactions had occurred with my card. As a result XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.
Consumer complaint received 2024-04-05
Product: Credit reporting 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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX, XXXX, XXXX, and XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them. 
I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Consumer complaint received 2023-04-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services (KY)

XXXX XXXX sent me a letter saying that his company helps lower student loans. Turns out hes a scam and he has all my information. His email is XXXX and his phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2023-09-11
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. (DE)

Equifaxdid not do an accurate investigation in providing the factual details to my dispute they lack of maintaining complete and accurate records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts does not belong to me as I provided the written statement from my ex fianc that he takes full accountability for opening them in my last complaint yet they blantantly ignored the statement. And if they did a thorough investigation they would contacted all parties involved including my ex which I provided his contact info. Not contacting my ex only proves they did improper investigation.Furthermore In accordance to the Fair Credit Reporting Act, my rights have been violated .under 15USC 1681section 602 states I have the right to privacy. 15USC 1604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Not contacting all parties involve shows their Bias and only believing and recognizing what the reporting agency is providing and overlooking facts
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CULLEN/FROST BANKERS, INC. (TX)

On XX/XX/2023 Frost Bank received direct deposit from XXXX holders for my employer XXXX payroll handled by XXXX. 
I have called and went to the office in XXXX, with no assistance in receiving my paycheck direct deposit of {$410.00}. I had the same problem with my part time job XXXX. It took me three months before. I received my first paycheck. I have notified my employer and they have put a trace on the deposit. Frost states they honor all transactions, but they don't.
Consumer complaint received 2023-09-25
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I've sent multiple written letters requesting for proof of validation of the debt and have not received this information. I continue to get verified letters with out proof. 
Here is the information for Experian Account Name : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Original Creditor : : XXXX XXXX Account Name : XXXX XXXX XXXX Original Creditor : : XXXX XXXX  Account Name : : XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (FL)

XXXX, XXXX. XXXX XXXX XXXX I have a Hard Inquiry on my credit report from a company that i never authorized nor applied for any kind of loan or credit or any other financial service. I call them but no one answer the phone listed online. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Hatfield Portfolio Group LLC. (CA)

The U.S. Code that discusses the timing of payments is **15 U.S. Code 1666b**. This law states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( 1 ) 15 U.S. Code 1666b - Timing of payments | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX. 
( 2 ) 15 USC 1666b : Timing of payments- House. https : //uscode.house.gov/view.xhtml? req=granuleid : USC-prelim-title15-section1666b & num=0 & edition=prelim. 
( 3 ) Dates and Deadlines Student Financial Services. XXXX XXXX XXXX 
( 4 ) Important Dates - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The credit bureaus stated my account 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. Accounts : XXXX XXXX , Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the rights 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 Also the credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking # XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (TX)

I never use my social to apply for anything, yet I have an account that has went to collections showing on my credit report. It is showing as an open account open since XX/XX/2021. This account is NOT MINE.
Consumer complaint received 2023-06-01
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. (CA)

I was injured at work in XXXX and I was exposed to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All this was workers compensation, workers injury. It's illegal to bill a worker if the injury is work related this law is found in California section 3751B. They are aware this was injury at work. I was billed illegally and they have been sent to collections. I have already disputed these inquires with the credit bureaus and they still are billing me. Protection from surprise medical bills This means consumers with health insurance generally wont be responsible for balance bills or out-of-network cost-sharing. If it passes the statues of limitation they shouldn't bill me. 
Deleted illegitimate collection ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$80000.00} ) This item was Deleted from my credit thank you ; However this same company also made a total of 3 Hard Inquires as a XXXX XXXX XXXX on my credit report on ( XX/XX/XXXX ) XXXX XXXX  XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  XXXX I am requesting once again that these HARD INQUIRY COLLECTION AGENCY items also be removed from my credit report since they should not be on there. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-20
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. (MO)

I sent documents for dispute reasons with Experian, VIA US Mail on XXXX XXXX XXXX received an email stating they received my documents but do not believe it was sent by me. I did include my Drivers Licence copy along with the dispute papers in the letter. I do not understand how they determined it was NOT sent by me when it clearly was and signed/dated and my ID attached to the dispute papers.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (NY)

There are recent and old hard inquiries on my credit report that are not accurate lowering my Credit score. There is a XXXX debt collection that is ver old and does not belong to me! Same with XXXX XXXX. I have been a victim of Identity theft in the past and these false hard inquires and debt collections have hurt my credit for years! This is takong a toll on me emotionally. I am unable to qualify for any store credit or credit cards because of false information on my credit report which I have neumorous times have contacter the companies on. I am seeking help please to remove all these hard inquries that I have not authorized and collections that dont belong to me.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

tried to communicate with these companies as i did not contract with anyone. unknown who any of these so-called companies are. after much research i found at minimum : [ Cf. 42 USC 1985 ( 3 ) ] - deprivation of our rights, [ Cf. 18 USC 1961 ] - Racketeering activity, [ Cf. Title 18 USC 1341 ] - Mail Fraud, and [ Cf. 18 USC 1343 ] - Telecommunications Fraud, [ Cf. 42 USC 1985 ( 2 ) ] - Obstruction of the Justice, [ Cf. 42 USC 1 CH. 21 - 1983 ] - Personal Damages resulting in continual Injury, [ Cf. 42 USC 1983 Note 39 ] - Civil Deprivation of Rights, [ Cf. 42 USC 1983, Note 319, and Note 337 ] - Custom & Policy.

[ Cf. 18 USC 242 ] - Conspiracy, and under the Color of Law, [ Cf. 18 USC 241 ] - Criminal Deprivation of the Rights, [ Cf. 18 USC 872 ] - Collusion/Coercion , [ Cf. 18 USC Ch. 73 1512 ] - Criminal Obstruction of Justice leading to, [ Cf. 28 USC 1359 ] - Loss of the Jurisdiction by their Collusion, all while operating under the [ Cf. 4 USC - Desecration of the flag. ( every reference is relevant, and i am clear of these allegations ) [ Cf. The Public Law 93-579, Section 7 ( a ) ( 1 ) 88 Statutes At Large 1896, 1909 ( 12/31/1974 ), codified at 5 USC 552a ] in the Notes, states that : It shall be unlawful for any Federal, States or local government agency to deny to any individual any right, benefit, or privilege by law because of such individuals refusal to disclose his social security account number. ( https : //www.justice.gov/ ). and [ Cf. Per the Public Law 75 -583 title 22, subsection 611 in Wex Law
, ] as PUBLIC SERVANTS, they were required to produce my request and refused with their silence : Oaths of Office Foreign Agent Statements and their amendments [ Cf. Foreign Agents Registration Act of 1938 ]. 
Anti-Bribery Statement Puerto Rico Secretary of State Letter of Tax Exemption Have National I.D . Card Delegation of Authority Order And any other instruments deemed by law. ], and ; Oaths to the United Nations ( UN ) All codes, rules, and regulations, are for government authorities only, non human/Creators in accordance with Gods laws. All codes, rules and regulations are unconstitutional and lacking due process [ Cf. Rodriques v. Ray Donavan ( U.S. Department of Labor ) 769 F. 2d 1344 ( 1985 ). ]