davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WV)

Hello, I'm sorry but I'm so frustrated and upset at this point and I've tried calling and no one answers I just sit on hold for hours. 

During the pandemic when everyone was deferred from paying on their student loans I called into Mohela, and was able to talk with a representative. The reason for my call was trying to understand their qualifying payments for my student loan forgiveness program. According to my plan, if I made XXXX qualifying payments my loan should be forgiven according to them. My question was could I make more payments than just XXXX within a XXXX  and would those still be considered qualifying payments. I was told that it didn't matter just as long as I made payment they would be counted. I found this too good to be true so, I called another day to confirm this and I spoke to another rep and they provided me with the same information. Mind you I had to wait on hold for at least XXXX hours just to speak to someone if not longer. They said it didn't matter as long as we could verify my employment as a non-profit and I made the XXXX qualifying payments they would be counted. 

During the timeframe of XX/XX/23 - XX/XX/23 - I made several payments XXXX XXXX XXXX and when I say several I mean I made a single payment for the qualifying amount almost every day during some months  to get myself up to the qualifying payments. I already had several payments but I wanted to pay off my student loans and be done with them forever. 

Long story, short when everything started to come back from the pandemic and repayments were no longer going to be deferred I was contacted via email to be informed that they were only going to count my payments per month. So, they now are saying via email that XXXX payment in the qualifying amount per month, which meant all the extra payments I made during the months, well those didn't count or matter. They would only accept XXXX payment per month. 

I wouldn't have an issue with this if I was told upfront that's how it works but I was told by XXXX Mohela representative this wasn't the cause. I've tried to call in countless times to get this straightened out but no one answers. I can only email them and when I do they are not understanding or just send me copy and paste messages. No one is taking the time to actually read or go over my message or even look into my issue. 

I'm sick because I've spent XXXX XXXX XXXX dollars that will not get counted, because they are only accepting XXXX payment per month. I can download a record of all the payments I've made to them as proof. During XXXX XXXX XXXX  I've paid over, XXXX payments totaling {$3700.00} + I'm happy to provide any documentation that's needed. Bank statements, anything. 

https : //www.mohela.com/
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NJ)

MCM has been making multiple calls a day to the wrong number. They have been contacting a third party person and an employee by the name of XXXX and or XXXX continues to leave multiple voicemails. It is embarrassing that now a third party person is aware that MCM a debt collection group is looking for me. I have not been reached out to by this company and I had to find out from this third party. I have not been given a fair opportunity to handle this matter and now others are aware of this situation.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In summary, due to the multitude of inaccuracies reported by these furnishers to Equifax, and due to the irreparable harm to me caused by these furnishers, I am demanding these accounts to be deleted from my credit report immediately. I previously disputed these accounts in XXXX XXXX and the furnishes and/or Equifax added more inaccurate and negative information to my credit report, resulting in my inability to now purchase a home. This was not the case prior to them adding additional inaccuracies to my credit report. 

These egregious inaccuracies have caused me to be denied credit and the inability to obtain a conventional mortgage. Due to these inaccuracies, I have been unable to secure a home for my family. I can not fully express to your agency how these errors and inaccuracies have caused me emotional duress, stress and the inability to generate wealth for my family. 

The details and my requests are attached to this complaint as a word document.
Consumer complaint received 2024-03-23
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 submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-12
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. (PA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 finish a account without written instructions 15 U.S.C 1681cc. ( a ) ( 5 ) Section : 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 2024-03-20
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/year>, I enrolled in a payment plan with Capital One to make payments towards my Capital One Savor Card ending in XXXX. Per the terms of the payment plan, I would be making 3 payments per the payment schedule that was given which showed my first payment due on XX/XX/XXXX. I was told that by enrolling in the plan, my account would stay in good standing. One of the disclosures states, " If you complete this plan 's payments, this account will reflect a current status. Any returned payments after completion may result in this account reverting back to a delinquent status. '' Based on what I was told and the way the disclosures read, the account should be in current status as long as the payments are made per the schedule ; however, Capital One reported this account 30 days late. The disclosures do not indicate that your account will still be reported to the credit bureau as late which is why I enrolled. In addition, the statement and schedule provided to me from Capital One do not indicate that there was a past due amount. Capital One mislead me into thinking that my account was in good standing and that the next payment was due on XX/XX/XXXX. Even my XXXX Statement does not show a past due amount. Please have the 30 day late removed from my credit reports immediately and investigate Capital One 's practices, so that this does not happen to other consumers.
Consumer complaint received 2023-09-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

Ally bank has reported alleged late payments by the consumer, original creditor of an extended credit transaction and it has affected my character in a negative way and as the consumer original creditor on the consumer transaction this is a violation of the fair credit fdcpa and I want the negative information removed from any and all credit reporting agencies
Consumer complaint received 2024-01-11
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. (AZ)

I have reviewed my consumer reports and noticed that there is a record of one late payment on an account that I have never been late on. It is the responsibility of consumer reporting agencies to report consumer information accurately. Therefore, I request you to investigate this matter and provide me with proof that these payments were late. I have attached a screenshot of the account in question, dated [ XXXX ]. If it can not be proven that the payments were late, I demand that they be updated to " paid as agreed on time '' as they should be, due to the fact that I have never made a late payment on this account. Thank you for your assistance. Please see the screenshot attached.
Consumer complaint received 2018-11-20
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: ALLY FINANCIAL INC. (IL)

I have been contacting Ally Financial, who appear on my credit file as Ally Finan I numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

On my XXXX credit report on ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 


On my Experian credit report on ( XX/XX/XXXX ) XXXX, XXXX ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 

On my XXXX credit report on ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. 
Form XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
MY ONLY NAME IS XXXX XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXXXXXX XXXX XXXX REMOVE ALL OTHER ADDRESSES... THEY ARE NON MAILABLE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (GA)

This is a charge for XXXX with FNBO credit card. 
I called them today and they said this is for charges you still are charged after paying off the card. I told them take it off. I do not owe for charges that was paid off to a XXXX balance. 
Credit card company should not be charging accounts with a XXXX balance for past charges that were paid off. 
They should never be charging customers like this. I do not know any other credit card that charges customers with a XXXX balance for charges that were paid off.
Consumer complaint received 2023-12-12
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. (KY)

In accordance with Section 602 of the Fair Credit Reporting Act, 15 USC 1681, it is imperative to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and a profound regard for consumers ' privacy rights. Notably, Equifax and XXXX serve as consumer reporting agencies, and I, as the consumer, possess the right to safeguard my private information. This right is substantiated by Section 6801 of 15 USC, which articulates the congressional policy that financial institutions must continually respect customer privacy and safeguard the security and confidentiality of their nonpublic personal information. Importantly, entities referred to as " Furnishers of information to credit agencies '' fall under the definition of financial institutions within this framework.

Section 604a, subsection 2, of 15 USC 1681 establishes that a consumer reporting agency may furnish a consumer report only under specific circumstances, chiefly when acting in accordance with the written instructions of the concerned consumer. Regrettably, neither the financial institution nor the consumer reporting agencies, Equifax and XXXX, have obtained my written consent to disseminate this information. Indeed, they lack any form of my consent for such actions. 
I hereby revoke any and all permissions, whether implied, verbal, non-verbal, written, or otherwise, for Equifax, XXXX, and any entity classified as a " Furnisher of information to credit agencies '' to share my information. Section 6802 ( b ) ( c ) of 15 USC stipulates that a financial institution can not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with an explanation of how to exercise the nondisclosure option. Regrettably, " Furnisher of information to credit agencies '' never informed me of my right to exercise this nondisclosure option.

Furthermore, Section 1681C ( a ) ( 5 ) of 15 USC clearly specifies that a consumer reporting agency may not include certain adverse information in a consumer report unless authorized under subsection ( b ). This account, which is being reported without my consent, qualifies as an adverse item and is therefore in violation of the law.

Additionally, 15 U.S. Code 1681s2 ( a ) ( 1 ) asserts that it is impermissible to provide inaccurate consumer information to a consumer reporting agency when one knows or has reasonable cause to believe it to be inaccurate. Meanwhile, Section 1681e mandates every consumer reporting agency to uphold reasonable procedures designed to prevent violations of Section 1681c and restrict the provision of consumer reports solely for the purposes outlined in Section 1681b. Equifax and XXXX appear to be falling short in adhering to these reasonable procedures. 
Furthermore, as per 12 CFR 1016.7, a consumer maintains the right to opt out at any time. In light of these circumstances, I am hereby opting out of your reporting services.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was applying for a credit card when an accident caused part of my body to unintentionally press the decline offer button while I was reading the terms of the application. There was no secondary prompt asking if I was sure, the offer was completely gone. I tried reapplying and was denied. I called capitol one and they were unable to resolve the issue, even though it was still within the counter offer time. I did not press the button with my finger or intentionally in anyway. Part of my body brushed up against the screen and pressed the button. I am no longer able to apply for the same level of credit card. It is my opinion that there should have been a secondary prompt confirming the selection being made because my credit has been affected negatively by a complete accident. It seems to me that this scenario could happen in many different ways to a large number of people.
Consumer complaint received 2023-12-12
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. (TX)

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 accounts, 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. 
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 2024-04-15
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. (WA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (NM)

I received a notification on my credit report for an unauthorized car loan with Westlake Services Inc. for {$14000.00}. Opened in XX/XX/XXXX. The account is late and my credit score has dropped XXXX points. I filed an identity theft with the Federal Trade Commission. I have made several attempts to get a response from Westlake service Inc XXXX, XXXX XXXX XXXX XXXX CA XXXX, to provide me information on the loan ato close it and report it as fraud. I have been calling since XX/XX/XXXX. Customer service agents have told me in server al occasions that the account is not in their system and they will put me on hold for long minutes then drop the call. This situation has been very stressful due to the lack of response from Westlake Services in assisting and taking responsibility to provide the documentation and support needed to proceed with my report and investigation of the identity theft. It has also cause a hardship since my credit score has dropped and I am potentially at loosing my borrowing power for future financial plans. I would like to request Westlake Services to respond to my claim as soon as possible.