davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

My loan servicer is MOHELA and I am enrolled in the income-based repayment ( XXXX ) plan. My annual recertification of income date on the MOHELA website shows XX/XX/XXXX. I received messages from MOHELA on XX/XX/XXXX informing me that my recertification was upcoming. On the Department of Education website XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ) it specifically states that if your recertification deadline falls in the six month period after payments resume ( XX/XX/XXXX ) then your recertification date will be pushed out 1 year. I sent a message to MOHELA on XX/XX/XXXX requesting that they correct my recertification date to reflect this information from the Department of Education. They responded on XX/XX/XXXX with this message : " MOHELA 's Response : Thank you for contacting MOHELA, We apologize for any confusion and inconvenience that may have been caused. 

In order to provide exemplary service, we want to make sure that we are addressing your questions and concerns accurately. We need additional information as it pertains to responding to your question. Please call toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX, Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX  Thursday and Friday XXXX XXXX XXXX XXXX XXXX XXXX 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX, Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX, Thursday and Friday XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, MOHELA '' I called them on XX/XX/XXXX, and the customer service representative denied that this was accurate and incorrectly continued to state that my recertification anniversary is XX/XX/XXXX and that if I do not recertify by XX/XX/XXXX that my monthly payment would automatically increase.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

In XXXX I had q {$4200.00}, they charged XXXX interest on the balance. I figured this was a error and tried to fix it. Then in XXXX they charged {$2200.00} interest on the same balance. Ive gone round and round with them on this. I asked for a payoff balance, and recorded our calls of XXXX different people telling me that if I paid {$4000.00} on or before XX/XX/XXXX, this would clear my balance. I made the payment, and they still show I have a {$1000.00} balance. This is a scam..
Consumer complaint received 2023-04-20
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following inquiries ASAP. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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: EQUIFAX, INC. (WV)

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.

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 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. (WV)

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.

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 2023-10-15
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. (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.

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 2023-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

The company that is trying to contact an address that I do not live at, stating to pay debt that a different company ask for the money last month. I do not owe this debt nor am I aware of any of these charges, I successfully disputed it last month with my credit bureau due to fraud who ever used my information, Im not aware nor responsible and would greatly appreciate if information would stop being sold, as it is taking time from my everyday life.
Consumer complaint received 2020-04-08
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. (FL)

This is crazy on what I'm dealing, with me being a victim of Identity theft. I'm so upset that I have to go through this I work very hard, and this is not right. I did not give anyone consent to open any of these accounts .these Account are fraud please remove them from my credit file thank you.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/18 I tried to utilize American Express 's Membership Rewards benefit to transfer XXXX of my Membership Rewards points earned through my American Express credit cards to my Singapore Airlines 's KrisFlyer account which is linked to my American Express Membership Rewards account. I was denied the ability to make this transfer, receiving the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' However, I have gone through and verified that all of my purchases were eligible and met the qualifying criteria. 

That same day, I contacted American Express through their online chat function and asked to resolve this issue. The chat representative was only able to say that my account is being reviewed by American Express 's Membership Rewards Team and that it will take 6-8 weeks to complete the review. This is an unacceptable time frame, as the primary value of American Express Membership Rewards is that they can be transferred to miles with partner airlines for use for award ticket redemptions. In 6-8 weeks, the award ticket that I plan to book will almost certainly no longer be available. I have opened up a prior complaint with the CFPB and American Express 's response was that my Membership Rewards account is still under review and no timeline was provided for when the review will be finished.

I am opening this complaint again to respectfully request that the review be completed no later than 5 business days from the date that this complaint is submitted.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Date of First Delinquency : XX/XX/2019 I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me. I am including with this letter copies of documents that support my identity, such as a driver 's license or passport, as well as any other evidence that I believe is relevant to this dispute. Please note that I have also filed a report of identity theft with my local law enforcement agency, a copy of which is enclosed for your reference. Sincerely, XXXX XXXX
Consumer complaint received 2023-02-22
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. (CA)

Theres are multipe hard inquires on my credit report that I did not authorize. I have called each and every creditor in an attempt to get them removed. Some have advised to me get in contact with the bureaus, and other said they would have them removed on their end, but they are still showing on my reports. They are the following below. 

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 2020-04-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NV)

Have a hard inquiry from Wells Fargo on XX/XX/19 which looks like a personal loan on my credit report. This was inquired about fraudulantly, as I never submited this.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MA)

I called my mortgage company Loan Care a few days ago and asked if I could defer my monthly mortgage payment for 3 months since I got laid off my job due to Covid-19.  They said no I would have to apply for a forbearance program which would allow me to skip 3 payments but that I would have to pay back in full at the end of the 3 months. I would have to pay 3 months in mortgage payments in full at the end of 3 months! I called back today and asked to speak to a supervisor. I was put on hold for 30 minutes and then another customer service rep came in the phone not a supervisor. I asked again to so speak to a supervisor and was put on hold for another 30 minutes for another supervisor. This person told me that they could only offer the forbearance plan that there were no other options.
Consumer complaint received 2023-10-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BMO Bank, N.A. (GA)

Loan type : XXXX Loan Term : Twenty year Fixed Date started : XX/XX/2006 Original loan amount : $ XXXX Total payment made to date lender including principal and interest $ XXXX. 
Original bank ( Bank of the West XXXX XXXXXXXX XXXX ( BMO ) Remaining principal amount $ XXXX. 

We received no electronic or physical communication concerning XXXX or amount due. Also received no official communication from either parties or not provided with a point of contact until a presumable attorney from XXXX reached out to me via served with court papers. 

Last correspondence with bank attorney after Bank of the West said the loan was still owned by them : The discussion about the $ XXXX was based on the conversation I previously shared with you, which I have on record from your client. This is the first time I'm hearing about $ XXXX. The highest amount I've seen documented was $ XXXX, and when you add the $ XXXX in interest and attorney fees, it does exceed $ XXXX. However, our intent is to have a productive conversation. I propose we set aside the legal fees and interest, bringing the amount to {$82000.00}. At this juncture, I expect the bank to engage in a meaningful negotiation. Please refrain from repeating previously sent details. We're here to negotiate, not to reiterate known figures.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have XXXX mortgages XXXX of these mortgages are for rental homes XXXX is for my personal residence. On or about XX/XX/2023 I received a letter that XXXX of these mortgages would be transferred. These transfers were initiated by the mortgage companies themselves and I had no involvement in the transfer. XXXX of the mortgages were transferred from XXXX to XXXX. Another XXXX were transferred from XXXX to XXXX. These are mostly old mortgages that I have been paying on for the better part of a decade and have a long history of making payments on time. They are still the same mortgages they were not refinanced. Problem is that all the credit reporting agencies closed the accounts ( yes all XXXX of them ) and reported them as being new accounts. Typically this would not be a problem but withem doing XXXX at once it appears that my credit score took a rather large drop. It appears that this is in the range of XXXX to XXXX points. I did open a new credit card and do a balance transfer but I don't think this would drop my score this much. I believe its related to the closure of these accounts. I could see it dropping if I refinanced or didn't pay, however they seem to have dropped my score because of something the banks did. Doesn't seem right. Could you please look into this. Thank you
Consumer complaint received 2023-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OH)

I applied to be enrolled in the XXXX plan over 2 months ago with aidvantage and was asked to verify my information for which i did. I have yet to receive an update on my application. Today is XX/XX/2023. My loans continue to accrue XXXX XXXX XXXX a month. I contacted Aidvantage a few days ago. After waiting hours on hold and being hung up on once, I spoke to a representative who could not tell me when I would be or if I would be actually enrolled in the XXXX plan for which I meet and have proven ALL criteria for. This representative could confirm that my application was complete and there was nothing else for me to do that it was " under review ''. As a result of them not being able to timely process my application/process my application at all I will continue to ACCRUE interest that I would otherwise not accrue under the plan for which I am eligible. this is malfeasance at best and fraud at worst as this directly leads to increased revenue for the company handling my loans as I must continue to pay the accruing interest that then capitalizes interest itself.
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 (NY)

On XX/XX/23, MOHELA messaged and stated that my account was going into administrative forbearance for the period XXXX. They then reneged on this action. 

Not only was the forbearance not requested or approved by myself, the decision to end this forbearance was not conveyed in a timely manner. The flip-flopping nature of MOHELA 's loan administration has put strain on me financially. 

Indeed, I had planned for payments to resume, then was told they would not when the forbearance was issued ( without consent. ) Now that I find the forbearance has ended suddenly ( without notice, ) I'm liable once more and the money has been budgeted elsewhere.
Consumer complaint received 2023-02-24
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. (FL)

I have been reaching out to the credit bureaus for a while regarding these inaccuracies on my account they keep giving me automated responses I am a victim of the XXXXXXXX data breach and have already filed my settlement with XXXX XXXX XXXX XXXX already I'm requesting for Transunion to ready my documents and reinvestigate this issue and provide proof of validation 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 investigation but how is that possible if Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681i ( 5 )
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: EQUIFAX, INC. (MD)

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.

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 2023-11-13
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. (MI)

I sent a letter to Transunion to reinvestigate these accounts on XX/XX/2023 tracking USPS XXXX XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX  XXXX XXXX 
Account : XXXX Account Name : XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Transunion - Investigation was completed on XX/XX/2023. File XXXX XXXXXXXX However, they stated all accounts was 100 % complete and accurate. 

But how is that possible if there is still incorrect, inaccurate reporting date of last activity, open date, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that arent reporting correctly. If all information is not 100 % correct and accurate -- accounts must be deleted per consumer law. 


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.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have more evidence to prove my case Furthermore, they didnt even record the current status of the disputed information which is another violation.