davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Stenger & Stenger, P.C (IN)

in XXXX of XXXX, i signed a consent judgment with Stenger and Stenger agreeing to payments for an unpaid debt i had. They had offered several lump sum settlements with a much lower amount, but i didnt have that lump sum so i signed an agreement to payments. in the agreement it states " it is further agreed that all other means of collection are stayed conditioned on said payments being timely made ''. and at that point no lien was put on my house according to them, because they operate out of Michigan. in Indiana it is automatically put on my house though, so come XXXX when i tried to sell my house, the title company found the judgement. i gave them my consent judgement and was told they needed a letter of partial release of lien. on XX/XX/2024 i called stenger and stenger and attempted to get this letter, or to settle for a lower amount like i was previously offered several times. I was told by several people that i could just keep making my payments but they could not send that letter to the title company. i then asked about a settlement and was told i'm " not eligible for settlement because a letter would need to be sent to the title company confirming it was paid and the lower amount '' i then asked if i didnt sell my house if i could settle my debt and was told i am ineligible for the same reason over and over. i was also told they put a note in that i am selling my house and will be ineligible and must pay in full. 
my two problems here are that the consent judgment is extremely misleading, i read that as though no lien would be held against my property if i made payments on the full amount, and my second problem is that i was made ineligible for settlement strictly because they where told i was selling my property. i understand the debt is mine to pay, but up until i wanted to sell my house i had options for settlement. this seems like they found out they could get the whole lump sum and decided to stop interacting with me productively
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

I made payments on my student loans in XXXX and XX/XX/XXXX. My account was put into forbearance by MOHELA in early XX/XX/XXXX due to my bill for XX/XX/XXXX having not been sent on time. As part of the new PSLF rules as published online ( https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service/questions # qualifying-payments ), additional payments can be handled as follows : " You may prepay, or make lump-sum payments, which first apply to any months during which you missed a payment and then would apply to future months up to your next income-driven payment ( IDR ) plan certification date or 12 months. For example, if you recertified your IDR and your monthly payment was {$100.00}, but you paid {$1200.00} for the first months payment, that payment would count as 12 separate monthly payments for that year. You would not need to make another payment until the next 12-month cycle when you have to re-certify your income for IDR. These payments would count as qualifying payments toward PSLF forgiveness once you certified your employment with a qualifying employer for the same 12-month period ( which you cant do in advance ). '' In reviewing my payment history, I noticed MOHELA applied my XXXX and XX/XX/XXXX payments to principal only even though I previously indicated in my account that I want additional payments to be applied to paid ahead status. When I called MOHELA to confirm my payments from XXXX and XXXX should be applied to my payments due in XX/XX/XXXX and XX/XX/XXXX, I was told this is not possible and the only option was to have them applied to the principal balance. My income re-certification is due in XX/XX/XXXX. I attempted to escalate this concern to a manager but was unable to connect with one. Based on the information published on studentaid.gov, MOHELA 's management of my payment is not in congruence with current standards.
Consumer complaint received 2023-06-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (LA)

I opened an account a few months ago and began making deposits. They were all thousands of dollars. 

On XX/XX/XXXX, I attempted to XXXX funds to MY XXXX XXXX  account, and was told that there was a XXXX BLOCK on my account ( that I was NEVER made aware of and would not have opened the account had I known ). They gave me the option of an ACH or wire transfer. On XX/XX/XXXX, I opted for the wire transfer and was told that the transaction was successful and should be available in XXXX hours. I checked my XXXX account 3 days later and did not see the wire funds deposited. 

On XX/XX/XXXX, I attempted to log in to my XXXX account and was blocked from doing so. I then called and they advised that there was a FRAUD FLAG placed on my account and required authentication. I was LIVID because had I been made aware DAYS ago, I could have handled the verification with no problem! When asked " How are members supposed to find out that verification is required? ", the representative XXXX said " You find out how you find out, by calling in. '' The representatives were VERY condescending and passive aggressive during this process! They were arguing with me and even suggested that I get another phone line " in my name '' if their identification methods are an issue for me. Of course, I declined because that will require a 2yr contract and I don't need a 2nd phone! It was constantly implied that I was committing fraudulent activity. 

At any rate, on XX/XX/XXXX, I submitted ALL of the originally required paperwork as follows : Driver 's license Selfie holding my DL SS card W-2 I was then told on XX/XX/XXXX, that the funds would be sent back to the cashapp account that was used to deposit funds. I declined and was told verbatim that " IF it's your account, why not? ", as if I have to explain to them WHY I want MY funds allocated to certain accounts!!!! 

They then asked for the following : Check stub Direct deposit for from XXXX recent statement from XXXX I provided them ALL and they STILL told me that my funds would ONLY be sent to the address on file or my cashapp account. 

I am UTTERLY disgusted and humiliated by this process. I have verified my account with SEVEN documents and was told today that my account will be closed because " the activity does not adhere to the policies and regulations of Penfed '', but no-one can tell me WHAT policy I violated!!! 

This is a TERRIBLE way to treat your members!
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 {$390.00} ; XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation (NV)

The company close that account saying that I old him {$10000.00} XXXX supposed to be in a cosigner on a vehicle that I never drove or had anything to do with it. Im not understanding why are all these people anything
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (TN)

Cash app has made payments that I did not authorized yesterday they done it and I got that money back and now again today {$110.00} to some place called limitless group I've never even heard of them I didn't know the last one either I really want my money put back in my account {$110.00} is a lot of money to take for something you've never even heard of
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is my 10th 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am not sure regarding this, but I feel like I must have been affected : CFPB Takes Action Against Bank of America for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023, I received a letter saying it has been verified, knowing the the information on my credit report is inaccurate. They never provided me with names, addresses or phone numbers to individuals during their investigation or my signatures. I demand they delete this information from XXXX XXXX XXXXXXXX account # XXXX with a balance of {$5500.00}. This is round XXXX of my letters being sent and I want this deleted asap.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

Notice to OPT OUT I have sent XXXX XXXX a letter stating I want to OPT OUT from having my non public personal information disclosed to ANY third party companies. I understand that under 15 USC 6803 ( GLBA ) Act that it is my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties. 
Financial institutions must provide consumers with a clear and easy way to exercise this opt-out choice.
Consumer complaint received 2018-12-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. 
no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433.

The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
Consumer complaint received 2023-09-16
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. (MA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-09-16
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. (NV)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX =========================== UNAUTHORIZED INQUIRIES PLEASE DELETE : 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

My original complaint against Paypal is # XXXX. I received a relatively satisfactory response but the written message was contradictory in content so I have asked for clarificatoin. 

In the meantime I have discovered that XXXX is an interfacing company between Paypal and its customers that validates customers ' accounts by logging into them. 

I found this out when XXXX attempted to log into my bank accounts XXXX times over the weekend and failed each time. I thought this was an attempt at theft of my money. I could not call the bank as it was not open until Monday morning. The information in the failed attempts emails was very unclear. 

When I asked various paypal employees about XXXX they confessed they did not fully understand how the more granular functions of paypal and customers ' monies work. 

Also I could not find Paypal 's terms and agreements at first but did eventually find them deeply embedded in paypal 's website. In those terms I do not believe XXXX is mentioned anywhere. I saw paypal XXXX XXXX XXXX XXXX which all might function similarly to XXXX. but I am unsure. 

also it appears to me that nowhere in those terms and agreements is a statement that spells out the fact that paypal 's partners may in fact log into customers ' accounts at any given time. The information about this function suggests it could occur but nowhere is it clearly stated login is required or what its purpose is. I can surmise what it is but all together I believe the information is deliberately shrouded. 

Terms and conditions or agreements should be made clearly available at all times. to customers XXXX should be listed as a third party vendor or partner and regular logins to customers accounts should be clearly stated is a requirement and exactly how that is done. It took me several days to surmise and then get confirmation XXXX was in fact the entity that tried to log into my bank accounts. Paypal customer service personnel should be more efficiently trained and ready to share this critical information.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I've contacted the original creditor ( XXXX XXXX XXXX ) and all 3 credit bureaus XXXX, XXXX, and Experian about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. I've been ignored and is in violation of my consumer rights according to the FCRA. This account needs to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All 3 credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.
Consumer complaint received 2023-09-22
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 furnish a account without my written instructions
Consumer complaint received 2023-08-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (IN)

Submitted PSLF application in XX/XX/XXXX and was told I needed to make 84 more payments. Resubmitted application in XX/XX/XXXX and was then told I needed to make 36 payments. I have worked full-time for a XXXX for almost 15 years XXXX through XXXX and only needed to work for 10  years to receive forgiveness for my loans in the PSLF. I requested help with XXXX and they recommended I submit a reconsideration which was submitted on XX/XX/XXXX. 
XX/XX/XXXX - Completed reconsideration of PSLF with XXXX XXXX XXXXXXXX. 

Since this time, I have had no communication regarding the forgiveness of this loan or the receipt of the reconsideration. I have also applied for the SAVE program since waiting for a determination since I am currently unemployed. 
I contacted XXXX once again for help and they gave me this option to file a complaint about Mohela and Student Aid.gov
Consumer complaint received 2023-11-16
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. (NJ)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. 
I do not recognize XXXX XXXX XXXX  According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately