davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Mohela is my servicer. Prior to the resumption of loan payments in XX/XX/XXXX, I was supposedly enrolled in the SAVE plan, but they did not change the payment amount of my REPAYE payment. They removed the forbearance, listed me as on the SAVE plan, but again had an amount due of the incorrect amount. On XX/XX/XXXX, I received a letter backdated to XX/XX/XXXX that my account would be auto debited in the original REPAYE amount on XX/XX/23, despite it saying Im on the SAVE program. Thereafter, on XX/XX/23, I received a notice backdated to XX/XX/23 that I was now enrolled in SAVE, but the first payment was not due until XX/XX/23. In the meantime, the payment of XX/XX/23 was still showing as due in the incorrect amount. Between XX/XX/23 and XX/XX/23, countless people were placed again on administrative forbearance due to this issue, but I was not. I called on XX/XX/23, after they were closed for 3 days, and was told that the payment was due, even though it was in the incorrect amount, and that my SAVE plan would be effective XX/XX/23. This is obviously their way to make an end run around the 21-day requirement, by billing me an incorrect amount. These are not trivial amounts of money. We are talking about payment equivalent to a mortgage payment. MOHELA is wholly incompetent and should absolutely not be given the responsibilities to affect peoples lives like this.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I have been receiving a bill in the amount f {$60.00} from the XXXX. I have called this office several times to dispute the erroneous bill and was told it was a mistake and I owed nothing. However, it seems the XXXX office submitted the erroneous bill to a collection agency ; Transworld Systems Inc . 
I am receiving letters of collection from this group despite being told I owe nothing and it is a mistake. I am very concerned, frustrated and angry for the time I must now invest to protect my credit rating. Can you please assist with resolution? I have a voice mail transcription from XXXX supporting my complaint.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2018-10-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Collection Partners, Inc. (MO)

I have received calls from this company in the past. Was told this was for a speeding ticket in Illinois over 7 years ago. Told them I have never been to the that county & told them to Never call my cell phone again. I received another call today from CCP at a different number told this rep I have told them multiple times I have no ticket or debt in their office and for the 3rd time not to call me again, The collector said she is calling for the State Attorney office and they can't stop the calls. Advised her I am a Collection supervisor & am aware of my FDCPA laws & violations. When told not to call Once I should have never received another call & will be getting the calls in their office pulled. I am requesting this company to Cease & desist all contact.
Consumer complaint received 2023-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

My payments made on my Consolidated Direct Student Loan issued in XX/XX/XXXX, are missing for the months XX/XX/XXXX through XXXX  XXXX, in the records of Mohela who now service my loan since the date I applied for Public Service Loan Forgiveness. 

Currently I am being denied forgiveness, befcause Mohela says i require 24 additional payments. The count of missing payments is 30, which would make me eligible for immediate forgiveness, under the current rules. 

The missing payments appear to correspond to the date my servicing was transferred from XXXX to XXXX in XX/XX/XXXX. All the missing payments were made to XXXX. Mohela has a record of payments prior to XX/XX/XXXX, on previous Consilidation loans ( each replaced the previous ) but the payments made before to XXXX on the last Consolidation have simply disappeared from Mohela 's payment count. ( though they did once reappear with a detail stating " no bill was issued ''. 

I am attempting to obtain bank statements from a former bank for that period proving payment, but it is very difficult because of how long ago these events occured. 

Thank you.
Consumer complaint received 2024-04-08
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score Account name XXXX Account number XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MI)

otice to Correct Credit Report Dear __________________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1.XXXX XXXX 2.Discover 3.XXXX 4.XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX Name XXXX XXXX XXXX Address XXXX, Mi XXXX Town, State and Zip XXXX Social Security No XXXX Date of Birth
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (NM)

To Whom It May Concern, I present a timeline of events for clarity : XX/XX/2023 : I sent {$830.00} from my XXXX USDC wallet to my crypto.com USDC wallet via the XXXX XXXX  ( Transaction : XXXX ). After the transaction didn't appear in my wallet after 30 minutes, I verified its success with the XXXX XXXX. ( https : XXXX ) I also verified the destination wallet address provided to me by crypto.com was unchanged and correct ( it was ). 

XX/XX/2023 : Contacted crypto.com support via in-app chat, was informed of a 20-minute response delay but received none until the next day. 

XX/XX/2023 : Received an email from crypto.com about changes in USDC transfers over the XXXX XXXX, which was too late to be helpful. 

XX/XX/XXXX- Present : Repeatedly contact ( ed ) crypto.com support through the app and XXXX  ( formerly XXXX ) direct messenger daily to resolve the issue. 

XX/XX/2023 : Informed crypto.com through the support chat about the impending XX/XX/2023 deadline, referencing an article from XXXX, the USDC issuer, that outlined changes to USDC on the XXXX XXXX. ( XXXX XXXX XXXX XXXX ) XX/XX/2023 : Reiterated the XX/XX/2023 deadline to crypto.com support to address the issue before XXXX stopped processing transactions using the " old method '' ( now coined " USDC.e '' method ). 

XX/XX/2023 : Compiled this chronology to document my efforts to recover the {$830.00} USDC/XXXX  sent to my crypto.com wallet. 

XX/XX/2023 : Sent an email with the above chronology to crypto.com support I was working with ( XXXX ) XX/XX/2023 : Sent a message through the customer support conversation I had open with crypto.com, requested an update. 

XX/XX/2023 : Crypto.com support responded through the conversation in their app, letting me know they were " still checking into the matter ''. Informed crypto.com support that they had only 4 days remaining before the changes made that caused this whole issue would not be reversible, and they would be personally responsible for reimbursing my missing funds. 

XX/XX/2023 : Sent a message through the customer support conversation I had open with crypto.com, requested an update. Received no response. 

XX/XX/2023 : Sent a message through the customer support conversation I had open with crypto.com, requested an update. Received no response. 

XX/XX/2023 : Emailed the primary crypto.com support email ( contact @ crypto.com ) letting them know it had been 2 weeks and I still have not received a resolution to my problem. 

XX/XX/2023 : Sent a message through the customer support conversation I had open with crypto.com, requested an update. Received no response. 

XX/XX/2023 : Started filling claim with CFPB. 

In conclusion, this chronology highlights my ongoing attempts to resolve the issue with crypto.com and emphasizes the urgency of addressing the matter before the looming deadline of XX/XX/2023, when transaction processing changes may become irreversible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

You sent {$500.00} to XXXX XXXX at XXXX from account ending in XXXX. 
Case ID : XXXX Bank of America has placed this transfer on hold pending review. You'll need to contact us within 15 days to avoid further delays and possible rejection or seizure of your transfer. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Bank of America flagged a routine XXXX transfer to a friend, it was flagged for description XXXX XXXX ( which is a class reunion hike planned for XXXX XXXX XXXX ). I initiated transfer on XXXX, called the bank on XX/XX/XXXX morning to confirm as asked, no resolution after spending 2 hrs on phone, no answer from compliance department, no option of cancelling the transaction, no explanation of when this review will be done as of XX/XX/XXXX, meanwhile no refund and my funds are illegally on hold in a limbo. I would rather mail a check than use XXXX with Bank of America. 

Rude customer service and manager, this Bank needs another " fine '' for mis-treating customers and pulling a fine print clause for withdrawing money without transferring it.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Consider this complaint as my follow-up to my previous letters dated XX/XX/XXXX. 
My previous complaint contains these items which are presented to be erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
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 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 items ( 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. 
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
Consumer complaint received 2023-11-13
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. (GA)

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. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My Name is XXXX XXXX I did paid in full on XX/XX/2017 to XXXX  XXXX And Still Showing the balance At XXXX report. 

My card number was : XXXX If you have any questions contact Mr.XXXX XXXX collection department XXXX XXXX At XXXX
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. (TX)

I disputed the XXXX XXXX XXXX account about XXXX XXXX XXXX with all XXXX credit bureaus from my XXXX XXXX credit report. My dispute letters dated XX/XX/2022, stating that this account was purchased/ sold to another lender. I do not owe money to this creditor and is being reported inaccurate as well. 

Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

This is what my dispute letter states to all XXXX credit bureaus. I'm stating now and again, please delete this account. There is no need to modify, verify or adjust anything. I don't owe money to this creditor. Please delete. See attachment for the dispute letter and credit report. 
I don't understand why do ya 'll allow companies to continue to report on consumers credit reports when they have sold the accounts to other lenders. When we dispute this matter, ya 'll always
Consumer complaint received 2023-12-11
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. (GA)

I am writing to formally attest that I am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX, as defined under section 605C of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in complying with the legal obligations outlined in the FCRA to ensure the protection of my rights as a XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

I have never gotten a loan from Nissan Acceptance and have no idea was this is reported to XXXX and would like it removed as soon as possible. This has never been a collection or charge off that should be on my credit at all.