davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AK)

On XX/XX/XXXX I made what I believe to be my XXXX qualifying PSLF payment, a payment that was due on XX/XX/XXXX. My employer and I filled out the PSLF application on XX/XX/XXXX and XX/XX/XXXX respectively, which Mohela received on XX/XX/XXXX according to their online portal. The application is still in " processing '' status according to Mohela 's portal, despite Mohela 's website which claims processing occurs in XXXX calendar days. However, Mohela did update my payment count to show XXXX qualifying payments, and XXXX payment needing employment certification, that payment apparently being for XXXX, XXXX. 

I believe the XX/XX/XXXX payment for the bill due XX/XX/XXXX should count as qualified, because my employer ( the XXXX of Alaska, Department of XXXX ) certified that I was still working for it on XX/XX/XXXX. I spoke to a representative from Mohela on the phone who said that, yes, the XX/XX/XXXX payment was the XXXX payment, and it does count for XXXX, but I still need my employer to certify that I was working for them in XXXX ( after the date of the payment ). Fortunately, I do still work for the Alaska Department of Law, so I will follow the supervisor 's advice and fill out a new PSLF application. 

However, I believe the supervisor and Mohela ( generally ) are incorrect. PSLF is based on making XXXX on-time payments, not based on a certain number of months being employed in a qualifying job. If the XXXX payment is made while the applicant is working in a qualifying position, the applicant is eligible, their application should be granted, and they should not have wait for another month to submit the application. 

I would like Mohela and DOE to grant my PSLF application, and more importantly, fix their misinterpretation of the law so that other other eligible persons will obtain forgiveness in a timely fashion.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OK)

my XXXX homeowner 's insurance has been updated and lowered to {$1400.00} annually @ {$110.00} per month. We 've faxed, emailed and mailed nationstar mortgage over XXXX times and they still fail to update my homeowner 's insurance/escrow records. XXXX themselves has mailed XXXX the new {$1400.00} annual premium records multiple times with no success ... HELP from the CFPB?
Consumer complaint received 2023-11-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In XX/XX/XXXX we made a deposit on XXXX XXXX  for {$15000.00} on our Bank of America credit card that was for reservation # XXXX that was to take place on XX/XX/XXXX. In XX/XX/XXXX XXXX  declared bankruptcy and directed us back to our credit card company for a refund. We promptly filed a dispute that was denied due to the date of the charge which we disputed multiple times. I then decided to wait until the date of our cruise to file the next dispute due to not receiving the services that had been paid for. 

They acknowledged that I was entitled to a refund and credited my account {$960.00} and claimed I had already received a partial credit of {$14000.00} in XX/XX/XXXX. I filed yet another dispute letting them know that that credit was for a cruise that was booked in XXXX to take place in XX/XX/XXXX but was cancelled due to XXXX  and was reservation # XXXX. I provided the documentation of that cruise and payments that were made in XXXX and XXXX of XXXX that were ultimately refunded in XX/XX/XXXX.
Consumer complaint received 2018-07-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

My baby sister, XXXX XXXX XXXX, WAS KILLED ON XX/XX/XXXX. CITIBANK WHERE OUR ENTIRE FAMILY BANKED FOR THEIR BUSINESS, HOME MORTGAGE ... AND DAUGHTERS AD WELL. 
WE CONTACTED THEM, CITIBANK, XXXX XXXX XXXX, XXXX XXXX TX, XXXX FOR ACCOUNTS ENDING IN XXXX. 
LETTER DATED XXXX XXXX XXXX IS IN MY HAND FROM CITIBANK WITH INSTRUCTIONS WHICH HAVE BEEN DONE NUMEROUS TIMES, VIA FAX, VIA REGISTERED LETTER. BANK REQUESTED, TRANSLATED DEATH CERTIFICATE, LEGAL LETTER OF EXECUTORSHIP, ACCOUNT NO.. 

THE ONLY INFORMATION AVAILABLE IS THAT THE ACCOUNTS ARE CLOSED. WE CAN NEVER GET ANY INFORMATION OTHER THAN IT WAS RECEIVED BY XXXX. 
IT IS NEARLY END OF XXXX. THE MONEY WHICH IS XXXX. IS NEEDED FOR A LAWYER TO SUE XXXX WHO KILLED HER AT AGE XXXX. 
MY FAMILY AND ARE GRIEVING AND THIS HAS BEEN A SHOCK. HOW MANY TIMES MUST IT BE DONE ESPECIALLY WITH CONFIRMATION OF RECEIPT AND ONCE AGAIN CAANOT REACH THIS XXXX. 
IT IS A DISGRACE THAT IN DEATH THEY HAVE TO MAKE YOU SUFFER. WHEN THEY WERE CUSTOMERS AND NOW ARE IN ANOTHER COUNTRY, HAD TO PAY AND GO TO GREAT LENGTHS TO TRANSLATE BY ACCEPTABLE SOURCES THEY REQUEST. 
MY FAMILY IS ELDERLY, AND WE ARE ALL BARELY SURVIVING THIS TRAGEDY. 
FOR XXXX IT HAS BEEN NEARLY 8 MONTHS AND WE ARE NO CLOSER. 
THEIR SUPPORT SEVICES ARE IN XXXX ... THEY REALLY SHOULD BE FINED AND ABSORB THE COSTS. 
THEY ARE NOT IN NY AND IT IS CONSIDERABLY EXPENSIVE TO SEE A LAWYER, AMERICAN CONSULATE ... 
DISCHUSTING.
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TN)

I have gotten my child support on venmo. My children 's father sent me {$120.00} via venmo. They flagged me trying to transfer my balance to my XXXX debit card because I hadn't received the venmo debit card yet and needed the money immediately. We'll they asked for ID which I provided then asked for card transaction history which I submitted as a checking account statement as that is the only available statement relevant to the card and they didn't accept it and closed the account permanently. Which I don't care about at this point. HOWEVER they said they are not releasing my funds back to until 180 days if they even do then for " loss prevention purchases ''. Which does not apply considering I NEVER got to use the new venmo before the did all this.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (NE)

Us bank let me cash a check and have ne the funds but then said they could not cash the check and mailed it to my ex boyfriend and he cashed the check and didn't give me the funds so my account became overdrawn. The reason I out the vheck in my account is because they said it would be OK. I spe t an hour on phone with them making sure that it would be ok.
Consumer complaint received 2023-11-17
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (WI)

After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On XX/XX/XXXX I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.
Consumer complaint received 2018-08-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (WI)

After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On July 17 I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.
Consumer complaint received 2024-04-12
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. (CA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently disputed the inaccuracies in the provided information with XXXX and TransUnion ; regrettably, the matter remains unresolved to date. The items listed do not pertain to me and are a consequence of unauthorized fraud that I did not authorize. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-12-27
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. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. It has come to my attention that certain fraudulent accounts are still present on my credit report, despite the fact that other credit bureaus have successfully removed these accounts following proper verification of the fraud. 
Below are the details of the fraudulent accounts in question : XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXXXXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I have already reported these fraudulent accounts to the respective creditors and have provided all necessary documentation to verify the fraudulent nature of these accounts. Other credit bureaus have acknowledged the fraudulent activity and promptly removed these accounts from my credit report.
Consumer complaint received 2023-04-23
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. (UT)

I have repeatedly complained about the dates and status being incorrect with the bureaus on this sold and charged off account. Each time the bureaus update it with the dispute dates for the last reported and last payment dates of the disputes, it finally succeeded in lowering my scores by XXXX XXXX with one of my creditors. They denied me credit based on the lower scores which weren't present when I ran my credit on the XXXX of each month. They only use Experian and told me what lowered my scores. They said that XXXX was a new charge off and had lowered my score by XXXX XXXX based on the date reflected on the report they ran in early XX/XX/2023. I am tired of this being an issue and therefore am turning this over to the CFPB to do something about this. They're all breaking the laws. They send me so called proof that it's now reporting correctly, then when I run my reports it's still incorrect. So what is the real problem here? The bureaus are lying and sending out false information in order to satisfy a time line to respond to the CFPB, not to actually correct the information as I've requested several times. It's time to take action and do something about it if they can't get the information right! Instead of XXXX looking into it they send me repeated demands to identify myself! Not the first time I've complained on this venue but they use that as a tactic to NOT investigate errors made by their clients! I'm not accepting that and refuse to send them anything personal. I give them what they need here. If they don't like it then they need to be investigated for their refusal to honor disputes.
Consumer complaint received 2023-11-17
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY (TX)

American Express says they charged off over {$1000.00} in XX/XX/2017. I made monthly payments even after the account was closed and paid the balance off in full, but with late/missed payments in between. Last payment was for {$400.00} in XX/XX/XXXX/XX/XX/2017.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-10
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. (NJ)

I have sent numerous letters to Experian credit bureau to dispute inaccurate information on my credit report. The first letter was sent on XX/XX/XXXX, with my photo id, social security number, and proof of address. The most recent letter was sent on XX/XX/XXXX, and the bureau is not responding or updating any of the disputed information. Each time I sent a letter I waited 30 to 45 days before checking my bureau credit report. I do not understand why the credit bureau is refusing to process my request. I know there might be delays at times, and I even tried to give them the benefit of the doubt for that. There is still inaccurate information reporting on my report. I have included a copy of all of the letters I have sent to the credit bureau with this complaint.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-22
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. (OH)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT THOSE ACCOUNTS LISTED BELOW AREN'T MINE. ( XXXX XXXXXXXX FOR {$220.00} OPENED XXXX XXXX, XXXX ) ( XXXX XXXX XXXX  FOR {$140.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1000.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXXXXXX XXXX FOR {$590.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$760.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  FOR {$1100.00} OPENED XXXX XXXX, XXXX )
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Since 2004 I have been a victim of Identity Theft in which I have already reported more than XXXX times to the police. I have notified the FBI, XXXX XXXX, Social Security, XXXX and the XXXX XXXX XXXX. The problem is that the XXXX XXXX, knowing the problem I have with my identity, continue to allow individuals to obtain loans and credit cards in my name.
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My XXXX  XXXX  went to collection. I paid in full. XXXX continues to report as charge off.