davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/2024 I Received a letter from MOHELA Stating that based on my Borrower Defense case for Sweet v Cardona I would have 0 % of my loans discharged, leaving my full amount of loans unpaid through MOHELA. 

This letter directly contradicts the email I received on XX/XX/2024 and letter from XXXX XXXX on XX/XX/2024, stating that I have received full refund through my borrower defense case and 100 % of my loans were forgiven per XXXX XXXX on this date. I have also spoken to representatives for this borrower defense case who confirmed that my loans are 100 % discharged, and that they have sent this information to MOHELA, also informing me that the only reason my loans have not been removed as of yet is because my loans were consolidated which makes it more of a timely process for MOHELA to discharge them. 

I also spoke to my previous loan servicer, XXXX XXXX, who also states that my loans were entirely forgiven and discharged, and that MOHELA should be discharging them and to give them time. 

It is clear that MOHELA has made a mistake either knowingly or unknowingly. The Department of Education is the entity that has determined my loans should be discharged based on my XXXX case, not MOHELA. 

I have even received a refund from The Department of Education for payments I have made on these loans since they have been forgiven. 

My Borrower Defense case # XXXX My MOHELA Account # XXXX
Consumer complaint received 2023-04-18
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX & CO XXXX Balance XXXX XXXX {$940.00} XXXX XXXX  XXXX XXXX Balance Owed : {$5400.00}
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: Experian Information Solutions Inc. (FL)

I am specifically requesting a tax statement or written confirmation that the debt associated with this XXXX XXXX  account # XXXX has been written off. Additionally, I would like to receive any supporting documentation related to the charge-off, including the official date of the charge-off and details about the subsequent resolution and reporting. BUT FAIL TO DUE SO. 

Please provide the requested information through the credit reporting agency 's secure online portal. If there are any specific forms or procedures required to process this request, kindly provide guidance on how I can complete the necessary steps. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue. If there are any fees associated with obtaining this information, please inform me in advance.
Consumer complaint received 2024-06-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (TX)

Each month I pay approximately {$460.00} in full. Since this year, I would make the payment online in full and in the next couple of days, I would receive a call from XXXX informing me that I owed the remainder of my payment which seems to fall around the {$53.00} plus or minus range. I explain to them that the payment was made in full and I should owe anything " extra ''. After some discussion, they reply with 'oh, I just had to refresh my screen and I see you don't owe ''. 
This happens way too often to be a software glitch or a bankers mistake. I have never had this kind of response on any financial issue with any bank. When they called today, I had to tell them to " refresh '' their screen. They would then say yes, I did not owe. I made a formal complaint to the company using XXXX number I was given by the XXXX caller. I told them that this happens way too often to be an accident and my concern is that they may be doing this to many more people than just me. There is no way that this keeps occurring and not have been repaired or fixed.
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Amscot Corporation (FL)

Purchased {$8000.00} in money orders from Amscot in XXXX Florida was that a XXXX  XXXX in XXXX XXXX area and staying at a XXXX  XXXX. Contacted staff contacted management and spoke with originator had no assistance and denied the fact that it had information on record to reference to.
Consumer complaint received 2024-06-19
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. (TN)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
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: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ''. Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customer and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX, XXXX, and XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX, and XXXX XXXX XXXX the financial institution and the Consumer reporting agencies EXPERIAN do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to EXPERIAN, XXXX, XXXX, and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX, and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 crime which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S CODE 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. 15 U.S CODE 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. '' EXPERIAN is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' " I am opting out of your reporting services. ''
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (WA)

I was a member of Navy Federal credit union XXXX years ago- I was a XXXX XXXX XXXX XXXX who held an account with my then XXXX spouse. My spouse drained all of my accounts and took out cash advances on my NFCU credit cards after I kicked him out for having XXXX XXXX XXXX XXXX XXXXe while I was working. I was living in XXXX XXXX at the time, and he left the country after draining all of my accounts down to nothing, also leaving me with an XXXX. It took me a few years to get back on my feet but I did eventually, and retired from my XXXX service in XXXX now permanently XXXX as well. I have tried contacting NFCU to regain membership and pay any debts owed, yet they refuse to assist me in anyway, saying my debts were charged off and therefore I can never again be a member of NFCU-
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: Experian Information Solutions Inc. (TX)

Experian has been notified by me in letter form as well as here on the CFPB platform of serious violations of my consumer rights. These items include violation of 15 Us Code 1681e ( b ) and 15 US code 1681i ( 5 ) which states that items on my report must be 100 % accurate. Three items violate this consumer law and Experian has ignored my attempts in notifying them of this violation by ignoring my letters and by making a blanket statement of verification when they have not provided how these items are being verified or if they have any of these items contract with my wet signature proving that this is in fact verifiable as My account. Also, Experian is violating 15 Us code 1681b by reporting a Collection/Charge off with a balance on my account. This is a huge violation because 15 us code 1605 states that companies have Insurance built into their finance charges to protect lenders which means if this is a collection or charge off the company has received compensation and should have sent me a 1099c for this canceled debt. I have never received this 1099c but I am still having an issue with Experian reporting this to my Credit profile. These violations can not go unnoticed and I will file a lawsuit.
Consumer complaint received 2023-12-21
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (OH)

Hello, On XX/XX/XXXX I received a call at XXXX from Comenity Capital requesting a payment on an account that was transferred from Dell. I explicitly said I do not consent to further calls, I have XXXX and often times they call in the morning waking me up. I am extremely fatigued and need rest. 

I am unable to pay due to this and due to taking time off work. However, despite being told to stop calling, Comenity has continued to call over and over again. This is a direct violation of my rights under the TCPA and I am now owed a minimum of {$500.00} per violation.

The TCPA provides that " It shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States... to make any call ( other than a call made for emergency purposes or made with the prior express consent of the called party ) using any automatic telephone dialing system or an artificial or prerecorded voice... to any telephone number assigned to a ... cellular telephone service... '' Furthermore, I have not provided any form of consent, neither explicit nor implicit, for your company to call my number, let alone for the purposes of solicitation.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

I had XXXX accounts with Citibank a checkings, savings for my sons XXXX which he was receiving ssi and a joint savings for me and my husband. My checkings account was hacked and a fraudulent check was made into my account without my knowledge. I had money inside my sons savings and also me and my husbands savings account, Citibank closed all of my accounts even with my funds that I had in my sons savings and my husbands savings. I was told in the beginning that I was gon na receive a check after 60 days for the remaining balance I had left into my sons savings and my husbands savings. The 60 days passed so I begin to call Citibank and ask where is my check and they told me that since my checking account ( the one that was hacked and not the other XXXX ) were in the negative I cant receive my money. And also my son received his first of the month check on XX/XX/XXXX which was deposited into Citibank savings and was never sent back to the original sender which was the Social Security Administration. This is not right at all.
Consumer complaint received 2023-12-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (IL)

I applied for the XXXX repayment plan on a joint application with my spouse through XXXX, and my payment went up from {$260.00} to {$550.00}, when XXXX had estimated my payment to go down. 

On XX/XX/23 they said that my new monthly payment would be {$170.00}, and then on XX/XX/23 they sent another letter saying that my payment amount chenged to {$550.00}. 

When I contacted XXXX for support with this, they recommended that I file a claim with you.
Consumer complaint received 2024-06-14
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. (WI)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

.its impossible that all XXXX of them ( XXXX  XXXX XXXX, transunion XXXX can verify that this is an accurate if there information is missing within all XXXX of them and are not matching. 

under the FCRA i am entitled to a 100 % and accurate reporting and that is not the case here as information is missing and does not match in a case where one says account closed and the others says open, the date of when it open dont match and the date of last activity says other wise as well and does not show when the last dilequency i missing in the other XXXX and shows in one and not the rest which shows a major reporting error within XXXX  XXXX XXXX, and transunion XXXX or could be the reporting error with the debt collectors reporting as well the amount is in accurate for the debt collector is not suppose to charge me with the hold over rent stated in the court document witch the debt collector does not want to adhere too
Consumer complaint received 2023-12-19
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: PNC Bank N.A. (FL)

Starting XX/XX/XXXX and keep hitting my credit report every month for PNC XXXX XXXX XXXX PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX : XXXX I have called and sent letters to stop. They have not. 
Please have them stop!!
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency.

List Incorrect Names & Addresses List Erroneous Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seg.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report.

I request a thorough investigation into these inaccuracies.

15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.

kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter Sincerely, XXXX XXXX
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: Experian Information Solutions Inc. (FL)

Dear Sir/Madam, I am writing to dispute the following information in my credit report. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681, in accordance with the Fair Credit Reporting Act. 
Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, I am requesting that the listed accounts be deleted immediately : Enclosed is documentation supporting my request. Please investigate this matter and delete the disputed items as soon as possible
. 

Sincerely, XXXX XXXX