davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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. (NY)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I filed a complaint regarding the fraud information on my consumer report. I referenced U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 BUSINESS DAYS after the date of receipt by such agency. As of XX/XX/2023 the information remains on my report.
Consumer complaint received 2024-04-18
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1681i. 
( 6 ) Notice of results of reinvestigation In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX The reporting of these account ( s ) is/are a violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards, XXXX XXXX
Consumer complaint received 2024-10-21
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. (FL)

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the unauthorized inquiries. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX XXXX. XXXX that unambiguously obliges a described of the modus.
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

In took 1 quarter at XXXX XXXX. In that quarter I had a subsidized loan for {$1000.00} and an unsubsidized for {$1300.00}. 
In 2018 my wages were garnished to repay XXXX XXXX. I've spoke with them and they agree my debt is 100 % paid. 
Also in 2018 my federal tax refund was offset by XXXX Department of Education for {$2300.00}. This account is XXXX years old, over those 11 years I have also made monthly payments. I'm not 100 % certain of a total amount at this time. As my account keeps getting forwarded to new servicing agency 's. XXXX XXXX then XXXX XXXX and now Mohela. I've tried many times to resolve this issue with Mohela. I've call customer service, I've sent emails and documentation prove of my paid debts yet no one can assist me and I am still paying every month. 
According to Mohela I still owe {$920.00} for the subsidized and {$1200.00} for the unsubsidized. 
U.S. Department of Education says I have a zero balance and need to contact mohela. They will not help. 
I do not know where to go from here. Who would have know a {$2400.00} loan would cost so much and take 11 years to repay. At this rate it will never be paid.
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I have recently submitted information for PSFL. In order to do so, I had to consolidate my loans. Recently, my payment counts were updated and did not reflect all of my years of service. I was informed to go to student aid.gov to ensure that all months of my loan status were reported, as that could impact my counts. Upon researching the information I discovered that several years of loan status is not reported and there are several that are reported wrong. Specifically, the years from XXXX and several month I XXXX and the entire year of XXXX are not listed. My resolution to this issue would be to have my status updated so that my payment counts can accurately updated. I would also like a printed copy of this history.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

on my credit report, there is an inquiry on XX/XX/2023 from XXXX XXXXXXXX. i do not have any open or closed accounts with this lender and did not make or authorize anymore to make this inquiry, i contacted XXXX XXXXXXXX and was told i needed to contact the credit agency EQUIFAX. i have done so multiple times via mail and phone and this unauthorized inquiry is still showing on my report. 
EQUIFAX has failed to provide me with the information i requested and it has been more then 31 days since they received my letter.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

mr.cooper provided notice of sale or transfer of loan effective XXXX/XXXX/XXXX, letter was postmarked XXXX/XXXX/XXXX, this is not the the mandated minimum 15 day notice. Letter states they will no longer accept payments after XXXX/XXXX/XXXX. I have not received anything indication how payments are to be sent to alleged new servicer XXXX XXXX XXXX XXXX as of XXXX/XXXX/XXXX. Payment is due on XXXX/XXXX/XXXX and past due on XXXX/XXXX/XXXX. I feel this is a predatory practice to negatively impact my credit rating and reduce chances to refinance with a possible 3rd company.
Consumer complaint received 2024-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I have been paying my student loans for over 20 years. Once the adjustments were made to PSLF, I qualified. I was waiting for the results, but suddenly my loan were forgiven under IDR/Biden. I'm thankful they have been forgiven, however, if they were forgiven under PSLF, that's over 10 years of extra payments. Even under the IDR Plan, I've paid over 20 years. I was never told why I wasn't given the PSLF and just given the IDR. My PSLF application was on my online account, I completed all the steps, it then processed, then disappeared. I have attempted to inquire about this and possible refund through Federal Student Aid, Mohela, and XXXX XXXX XXXX ( they held my loan before consolidation to Mohela to apply for PSLF. ) None of these agencies can answer my questions. Mohela says they have no past information. XXXX XXXX XXXX says that they have no further information, and FSA tells me to call the servicer. I have spend countless hours making phone calls, being transferred from person to person. To date, I can not access any of my information on these websites, not even my payment history. Each time I call one agency, they refer me to another. My loan was forgiven XX/XX/2023 and I've never been given any other information. There is no contact for questions, etc. I have no idea what office actually forgave the loans. Furthermore, my student loans still appear on my credit report. Again, while thankful for forgiveness, I have paid an extra 10 years on my loans. That is A LOT of money.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My mortgage holder, XXXX XXXX Mortgage, had a security breach and made my information vulnerable. They are supposed to provide me two years of identity protection from XXXX, a TransUnion affiliate. I filled out the information online with the activation code I got from XXXX XXXX. TransUnion said they couldn't verify my account and I had to call. I am living in XXXX for the next two years. Calling is hard because I have to call from computer and there is a 14 hour time difference. After holding for over 20 minutes, an agent from XXXX said my account was now unlocked. Later that day I tried to login and the website said my account is still locked and I needed to call again. I called again today. I was on hold for two hours. The agent sent me a temporary password and had me login into my account. After using the temporary password, I was able to set a new password. However, the website again told the account remained locked. The XXXX agent tried to reset it multiple times, but the emails she sent no longer contained a new temporary password. The account remained locked. The agent did not know what to do. I contacted XXXX XXXX and they were supposed to send me a new activation code. I have heard from neither XXXXTransUnion or XXXX XXXX. I contacted both companies on social media, but I have not been able to connect to anyone that can help. This is supposed to be a benefit to me because XXXX XXXX put me at risk. However, it has taken hours of my time to try and get a working account. Both companies seem to have just abandoned me.
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

1 ) My mortgage loan was with GMAC but now Ocwen take over of the loan last year. Since they are taking over, I been charge XXXX times and XXXX on the escrow acct just for the taxes. I call them so many times to resolve that issue and they response is " we are going to do a review '' but nothing happen. My taxes is only {$1000.00} for the years and they are collecting each month {$230.00} that is a total of {$2800.00}. When I call them XX/XX/XXXX to address the issue they told me any extra money left for XX/XX/XXXX they will return it to me but until now I did not received nothing. They did it for XX/XX/XXXX and now they are doing the same thing for XX/XX/XXXX. I am asking them what they are doing with the rest of the money that sitting on the acct but they can not give me an answer. Right now for the month of XX/XX/XXXX, I am already reach the amount for my taxes to be pay. I like to know at the end of the year, what they will again doing with the rest of {$1800.00} left. I told them that I am struggling with my other bills when money sitting on a account which I do not have no control over. I am really living on a budget because I only survive on my SSI money and a part time Job. I told them in that case I will pay my taxes but no answer from them. 2 ) Also my principal is {$85000.00} and my rate is XXXX and my monthly mortgage is {$900.00} a month. with that rate, I feel like my payment is too high.
Consumer complaint received 2024-04-18
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
First and Foremost : Per the aforementioned accounts, these debts have been charged off by these the original creditors, which means that the debts have been paid and are considered income. Since a Charge-Off is considered income, They MUST be removed as well. Income can not be reported on consumer credit files, according to IRS regulations as they are considered a certificate of indebtedness.

There are other violations that require removal of the items : 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L XXXX ( XXXX XXXX. XXXX ) which is law that backs the code, it contents are even stricter, as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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 crimes which antedates the report by more than seven years.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 
In closing I have never granted any of these companies written permission!!!!
Consumer complaint received 2023-12-01
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. (CA)

I have tried 4 separate times to pay my loan in a timely matter ahead of the due date and Aidvantage is not able to accept it. They have reversed my payment 4 times despite confirming my bank info. I have even signed up for auto pay and the company has failed to successfully withdraw the funds needed for the payment. My account is currently in the red and I'm receiving emails from the federal government stating I'm missing payments when I am not. It is 100 % an issue on their end that they are not able to correct. Aidvantage has a terribly inept customer service team and has not been able to rectify this matter for 2 months.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of a data breach from Bank of America on the morning of XX/XX/XXXX. A person with an identical spelling to my legal name called my cell phone to inform me that, after logging into her online banking using her own username and password, she could see all of my account information. In fact, her login information on BofA had my account and hers combined on her online banking page, even though we have different social security numbers and other personal details. She had access to my money and personal information, including my address and phone number. 

Initially, I was confused, so I asked her to text me proof, such as a screenshot. After she texted me her login page, I was shocked to see all XXXX of my accounts ' information exactly as she described. She not only could see all my XXXX accounts but also, on her information page, there were her email and phone numbers, as well as my and my husband 's information ( which is how she found out my phone number ). 

This irresponsible handling of my data by BOA has deeply concerned me. My business and personal accounts, as well as my home address, were all exposed to strangers without my knowledge. When I called BOA on XX/XX/XXXX and XX/XX/XXXX, they had no idea why this kind of system breach could happen and even asked me how long ago I thought it had occurred. The person from fraud department also mentioned that there are XXXX other complains about the same manner. 

BOA then froze my XXXX accounts, affecting my business since XX/XX/XXXX as customers were unable to transfer money. Yesterday, on XX/XX/XXXX, I spent 3 hours at a BOA branch to open new accounts for all XXXX of my BOA accounts. I had to ensure that payroll could proceed normally the next day ; otherwise, my employees would understandably be upset. Now I don't even have access to my online banking any more since they are all stopped to prevent future loss. As of now, I have spent more than 20 hours on this issue, which was not even my fault but a ridiculous breach from a renowned bank like BOA. This should not even be called fraud but 100 % BOA system errors.