davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Hello and thank you for your help. I completed the recertification process with Mohela on XX/XX/XXXX, as they indicated that my recertification was due by XX/XX/XXXX. Subsequently, on XX/XX/XXXX, Mohela placed me on administrative forbearance. Following this, they processed my IDR submission from XX/XX/XXXX, and informed me that my next payment of {$270.00} is due on XX/XX/XXXX. 

However, on XX/XX/XXXX, the government announced that recertifications for income-driven repayment plans were extended to at least XX/XX/XXXX. They also stated that individuals, like myself, who recertified and experienced an increase in their monthly payments, would be reinstated to their previous plan and payment amount before recertification. 

On XX/XX/XXXX, I spoke with XXXX ( agent number XXXX ) from Mohela 's advance team, requesting to be placed back on my previous save plan with a monthly payment of {$0.00}. XXXX assured me that this change would be processed, providing me with a case number ( XXXX ) and indicating that I would be returned to my previous plan by XX/XX/XXXX. However, as of XX/XX/XXXX, this change has not been implemented. 

Furthermore, during administrative forbearance, I have accrued {$1500.00} in interest to this date. As per a communication from the Department of Education, interest accrued during administrative forbearance will be waived. ( Attached please find the communication by the Department of Education regarding this. ) Therefore, I kindly request that my account be reinstated to my previous save plan with a monthly payment of {$0.00} and that the interest accumulated during this administrative forbearance period be waived. 

Thank you
Consumer complaint received 2023-05-24
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: SYNCHRONY FINANCIAL (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/PPC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (DC)

I never graduated from the XXXX XXXX XXXX in XXXX, but paid off the loan and i am still in debt from a school that closed down the next year in XXXX, I have record of certification that I was supposed to receive after attending, because I was told I owed money before I can get my certification. It was fraudulent.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

*Vehicle was traded in on XX/XX/XXXX. 
*Payoff check XXXX {$29000.00} was mailed XX/XX/XXXX to the standard Payment address posted on XXXX via USPS : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX *On XX/XX/XXXX, XXXX XXXX advise to issue a Stop Payment for 'non-receipt ' and re-issue a new check with an new payoff amount to a different address for Lease Payoffs : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX *The check posted the following day on XX/XX/XXXX and was returned due to Stop Payment they advised to issue. 
*A new check XXXX {$29000.00} was mailed overnight via XXXX tracking on XX/XX/XXXX. Tracking # Tracking Number XXXX. Delivered XX/XX/XXXX XXXX as per XXXX Tracking. 
*After numerous calls, XXXX located the payment XXXX delivered XX/XX/XXXX on XX/XX/XXXX. XXXX posted the payment effective XX/XX/XXXX. 
*In the interim, between XX/XX/XXXX and XX/XX/XXXX, Genesis reported me as 60 Days Delinquent on all 3 Credit Bureaus Equifax XXXX Trans Union and Experian XXXX
Consumer complaint received 2023-05-29
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. (IN)

I recently obtained a copy of my credit report and found several accounts listed that do not belong to me. I wish to formally dispute these inaccuracies, as they have negatively affected my credit score and financial standing. 

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an investigation and removal of these erroneous entries. 

The details of the accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are incorrect as I have never opened or authorized these accounts. 


I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Consumer complaint received 2024-06-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jon Barry and Associates, Inc. (TN)

Paragon Revenue Group XX/XX/year> {$390.00} A male team member answered the phone. 
I was told about the amount due and asked how I wanted to pay. 
I asked to set up a payment plan. 
Was told they didnt do that. 
Was asked to use a card or take out a personal loan to pay this debt. 
I repeated that I would pay in full, but I couldnt pay all at once. 
Was then offered to split the amt due into XXXX payments. 
Once again I told him I couldnt afford and hung up. 
This man bullied me!
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Regrettably, Experian has failed to respond to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in addressing these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report pertains to the following accounts : XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$6300.00} The following accounts are not mine, and I request their removal from my credit report : XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$2800.00} XXXX XXXXXXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXXXXXX XXXX  Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX Opened : XXXX XXXX, XXXX Balance : {$100.00} XXXX XXXX XXXX  Opened : XXXX. XXXX, XXXX Balance : {$770.00} I request that Experian promptly corrects or updates the inaccurate information associated with the XXXX XXXX XXXX XXXX  account on my credit report. This account was never late, contrary to the information currently reported. 

Furthermore, as these additional accounts are not mine, I insist that Experian removes them from my credit report. The inclusion of these accounts creates an inaccurate representation of my credit history and financial responsibility.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (LA)

I started receiving calls from a Vance & HUFFMAN LLC about a debit total ing XXXX, XXXX dollars I requested documents for the amount detailing they indeed had the right person about the Debit and never received any information from the company i never herd of this company and do not know what they are trying to collect money from me
Consumer complaint received 2023-05-24
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. (MI)

In accordance with the Fair Credit Reporting act any XXXX Accounts that have bad standings and reports, 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 an 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 2023-05-29
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-24
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. (NY)

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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (MO)

Today, I had an opened letter in my mailbox asking for a change of address for service purposes. It was not in an envelope. It was wide open for anyone to see my personal business. I have already responded to this attorney regarding this debt, and I find this tactic ignoring my right to privacy and protecting my personal information.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (FL)

In accordance to 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 : CHILD SUPPORT XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX  Account number : XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX Account XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX. Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX  XXXX Bankruptcy Account number : XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Reporting late payments during a pandemic calls in to make payment arrangements during pandemic. 

Reporting inaccurate information like dates and amounts of whats due on loan. 

are violating the Fair Creah Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus do not have no written permission.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

B ) Reporting information after notice and confirmation of errors
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I have sent in a letter to have Account # XXXX VALIDATE on my profile. It has been over 30 days and Equifax is stating their doing an reinvestigation. Please correct or remove this information off my profile as it effects my ability to obtain correct. Also, please address the other accounts listed on the letter as well. It 's has been over 30 days for all accounts and other information listed on this letter.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has posted a collection account with XXXX XXXX XXXX XXXX Acct # XXXX for {$280.00} for a home insurance policy that was canceled and property was covered by another insurance company. Sent them proof and still no response. How can I be charged for a policy that is not active at the time. I am attaching the complaint letter I sent them. This collection has effected my credit rating. Please help remove this collection.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-19
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. (TX)

To XXXX  & Experian -- -- - XXXX XXXX XXXX XXXX repeatedly labels all and every request and complaint with Consumer Financial Protection Bureau as duplicate even though they have yet to reply and answer any request or explain themselves. XXXX  XXXX is mocking our government. They are either understaffed or having money problems. I will not stop until I receive an explanation or a valid permissible permission subsequent to the fraudulent loan # XXXX together with copy of the credit report that was pulled. Failure to comply with obligations under the FCRA is a negligent violation.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Adjustment Service, Inc. (PA)

When I reach out to a credit collection company and request the signed contract with your signature, you're essentially asking them to provide proof that you agreed to the terms they are claiming. Their response of " verified '' typically means they have verified the debt exists and perhaps that they have the right to collect it, but it doesn't necessarily mean they have provided the specific proof you requested. 

In the context of debt collection, the Fair Debt Collection Practices Act ( FDCPA ) gives you the right to request validation of the debt, including asking for a copy of the original signed contract. This is important because without your signature on a contract, they may not have a strong legal basis to pursue the debt.

If they only responded with " verified, '' it could imply several things : They believe they have sufficient proof of the debt 's existence but did not provide the specific document you requested.

They may be asserting that the debt is valid based on their records or information they have.

They might not have the signed contract readily available or may choose not to provide it. 
In any case, if you're disputing the debt or need further clarification, you have the right to continue to ask for verification and to ensure that any debt collection efforts comply with the law. If they are unable or unwilling to provide the signed contract, you may want to seek advice from a consumer rights attorney or a financial counselor to understand your options further.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CarMax, Inc. (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15USC 1681 section 604 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 credit accounts under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

Requested that Equifax provide proof of how they verified the following accounts for accuracy : 1. XXXX.-Account # XXXX ... 
2.XXXXAccount # : XXXX ... 
Please provide the proof that has been requested several times and never sent.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OR)

On XX/XX/2022 I called Key Bank in XXXX XXXX, Oregon XXXX to report a CHECK FRAUD in my checking account. I was given NO instructions on how to proceed other than they would investigate the situation. Next day I called my local branch to inform them of the fraud check and that I had reported it. Got a call from my landlord wanting to know where my {$850.00} rent check was. Upon going online to my account I noticed that surely enough the rent check had been FORGED. Waited a month and heard nothing from the fraud depart. ( XXXX ) or bank so I called the fraud department again on XX/XX/2022 and was told the fraud case was CLOSED. Asking why, they said I had only ONE MONTH from the date of the reported check fraud to submit the paperwork that was required. I told them I was NEVER instructed from the initial call in XXXX of what PAPERWORK to submit! Was told I needed to have an affidavit that was notarized and signed by the local bank manager. Went to my local branch, filled out the paperwork, had it notarized and signed and bank mailed it to fraud depart. Still never hearing from the fraud dept. I called again oXXXX XXXX XXXX XXXX to see where the investigation was at, at this point. Was told by the fraud dept. they received the paperwork and they would RE-OPEN the case and send me a LETTER regarding their decision. Waited and waited and no word or letter from fraud dept. or bank. It's now XXXXXXXX XXXX XXXX so I called again to fraud dept. Was told the letter was sent to me about their decision, but I never received a LETTER in the mail, fraud dept would check. Okay, now it's XXXXXXXX XXXX XXXX and was told the bank manager was to call fraud. dept. to escalate the case. XXXXXXXX XXXX XXXX bank gets NO call from fraud dept. I tell my bank I finally received the so called LETTER in the mail XXXX XXXX XXXX dated XX/XX/2022! with the fraud dept. final decision stating that " the claim does not meet the requirements for credit. '' meaning it was not received in a timely manner ( 1 month after initial call on XX/XX/2022 ) so the case was closed and will remain CLOSED, end of their discussion!