davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I was placed on a " processing forbearance '' against my will by MOHELA. All contacts to remove this forbearance to pay my loan ( on an existing REPAYE plan ) has been ignored. MOHELA is now charging interest for the month of XXXX, despite that this forbearance was entirely against my will and my requests to remove the forbearance have been ignored. I am ready, willing, and able to begin repayment but the MOHELA is refusing to allow this to happen and now I am being charged over {$500.00} per month due to MOHELA 's incompetence.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

! wout the credit bureau to remove the late payment from my credit report because they violated the law. anything other than a bank statement belonging to the data furnisher is hearsay 15 usc 1681a 2 a i. Late payment are illegal according to 15 usc 1681a 2 ) 1 under exclusions 15 us code 1666b timing of payments 15 usc1681a ( 2 ) a 2 a i transactions and experiences are excluded from a consumer credit file
Consumer complaint received 2023-10-01
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. (CO)

I am writing to bring to your attention a dispute I have with TransUnion regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the following inaccurate account. However, as of the date of this letter, I have not received a response from them. Below are the details of the erroneous information and the requested corrections : Account Details : Account Name : XXXX Date Opened : XXXX XXXX, XXXX Current Balance : {$1300.00}
Consumer complaint received 2023-10-01
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION (AL)

i requested my monthly statements for 8 consecutive years but they will not comply.but they rather foreclose on me to take my property from me and after XXXX of staying i was told i have no equity in my home and they have taken it upon themselves to extend my mortgage for another eight years the company name M & Tbank my account number is XXXX please help
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are two items on my Equifax credit report that are not mine. I have sent letters and electronically filed disputes with Equifax multiple times over the years regarding these two accounts. The most recent disputes were on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time I request for Equifax to validate the debt and send me evidence from XXXX XXXX  and XXXX that the accounts they have listed on my credit profile are mine. I have never received any documentation from Equifax showing that I have ever had accounts with XXXX XXXX  and XXXX, or that I owe the companies money for past credit card debt. I have contacted both XXXXXXXX XXXX  and XXXX and they do not seem to have any information about me or any old credit card accounts. I had fraud and identity theft years ago and I suspect that is how these two credit cards ended up on my credit report. The two accounts are : XXXX. XXXX XXXX Account number : XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last 4 digits of the account number are : XXXX.
Consumer complaint received 2022-12-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-10-01
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. (CT)

I am writing to submit a formal complaint against Equifax regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax to dispute the following incorrect information on my credit report. To date, I have not received any response from them. I am providing the details of the inaccurate information and the required corrections below : The following account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) has never been late. Please correct/update this inaccurate information on my credit report. 


The following account with XXXX XXXX XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ) has never been late. Please correct/update this inaccurate information on my credit report. 


The following account with XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1300.00} ) has never been late. Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2023-10-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY ()

I have been given a US AMEX giftcard and I have attempted to use it at various US stores. ( I am located in the UK ) and the transactions decline everytime ( I do have access to a US Address ) I spoken with AMEX customer services, who say use the card in a shop. Doesn ; t work. Transactions are declining to " protect my funds '' however I can not spent my funds and this feels like a scam
Consumer complaint received 2023-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I tried to switch my payment plan from an XXXX plan to SAVE plan. I am working towards XXXX  so I need to make XXXX payments to qualify for forgiveness. My autopay was set to make a payment of {$270.00} on XX/XX/XXXX. After receiving 2 emails on XX/XX/XXXX, my autopay was removed and my loans were placed into administrative forbearance. I tried to call their customer service phone line multiple times on XX/XX/XXXX but was placed on a hold that had a greater than 90 minute queue. I work from XXXX to XXXX in a job that does not allow me to remain on hold indefinitely. The Mohela website shows that I owe XXXX on XXXX but it also shows that I am in administrative forbearance. I do not have the option of turning autopay back on and the manual pay function asks me to manually decide how much to pay for each loan and I can not confirm that paying in this way would be eligible as a XXXX  payment.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (MS)

I noticed several unauthorized inquiries on my credit report : XX/XX/XXXX -- -- -- - XXXX XXXXXXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- -- -- -- - XXXX XXXX XXXXXX/XX/XXXX -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- One Main
Consumer complaint received 2023-10-01
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc. (NJ)

XXXX, XXXX, & XXXX XXXX sent me a letter to try to collect a debt that I owe " XXXX XXXX XXXX, XXXX '' on behalf of XXXX XXXX account number ending in XXXX. I do not have a credit card ending in this number with XXXX XXXX. I do not have any active accounts with XXXX XXXX. I called XXXX XXXX  and they confirmed this as well. XXXX, XXXX, & XXXX XXXX sent me a letter that " You are being Sued '' with a docket No. for the XXXX XXXX XXXX XXXX in XXXX XXXX 

I called XXXX and also confirmed that this synchrony bank account does not exist.
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scratch Services, Inc. (ME)

This matter pertains to my company XXXX XXXX XXXX of which I am XXXX XXXX and XXXX. Our bank statement shows that on XX/XX/XXXX we executed a Wire Transfer payment to " Scratch Services LLC XXXX XXXX XXXX XXXX '' in the amount of {$290000.00} to pay off in full our XXXX Business Loan # XXXX. The payment included {$290000.00} principal and of {$240.00} accrued interest. We don't understand why the payment was never credited to our loan account and why Scratch continued to charge us interest payments on this loan until XXXX refinanced it as part of a consolidation of all our outstanding loans on XXXX XX/XX/XXXX, As the result, we have ended up having to repay this loan twice. We are trying to understand what happened to our XX/XX/XXXX payment and why Scratch didn't credit it to our account. We wrote to Scratch and asked them to look into their internal records and give us more information, as it is difficult now to obtain any information out of XXXX which went bankrupt following our payment to Scratch. Scratch sent the following, unsatisfactory reply to our query : XXXX ( Scratch Borrower Operations ) XXXX XXXX, XXXX, XXXX XXXX Hello XXXX XXXX We understand that this may be an inconvenience, but effective XX/XX/XXXX, XXXX  is your loan servicer. XXXX is also the current owner of your loan. XXXX XXXX is unable to assist at this time. 

How can I contact XXXX? 

You may contact XXXX claims agent XXXX at ( XXXX ) XXXX ( XXXX ) or ( XXXX ) XXXX ( XXXX ), email XXXX, or visit their website at XXXX XXXX XXXX 

Best, XXXX  XXXX XXXX
Consumer complaint received 2022-12-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXas fraud and needs to be removed from all my credit reports. 
XXXX XXXX bank was part of my fraud case and needs to be removed from all my accounts
Consumer complaint received 2023-10-01
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. (CT)

I am writing to formally file a dispute with TransUnion regarding incorrect information on my credit report, which I initially brought to their attention on XX/XX/XXXX. To date, TransUnion has not responded to my dispute. I would like to provide the following details concerning the inaccurate information and the necessary corrections : The following account from XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) has never been late. I kindly request that TransUnion corrects and updates this inaccurate information on my credit report. 


The following account from XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ) has never been late. Please correct and update this inaccurate information on my credit report. 


The following account from XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} ) has never been late. I request that TransUnion corrects and updates this inaccurate information on my credit report.
Consumer complaint received 2023-10-01
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 noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Please delete this fraudulent account and inquiry from my credit report. I have included the identity theft report. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I was in Citizens Bank on XX/XX/23 Saturday and I was trying to cash or deposit a check for a severely XXXX man who is in a wheel chair. Mind you i have been in there before cashingvhis checks. I remember before this bank charging me XXXX for cashing a check like this. The check is a Citizens Bank Check. The Manager XXXX XXXX refused to cash or deposit a check from a man that is XXXX who is in a wheel chair. He said to me who are you I dont know you I am not helping you out. I told the man that is severely XXXX to take his money out of the bank and the woman who made out the check. What an awful way to do business. I would not recommend this bank to anyone. Awful customer service.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2023-10-01
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. (MA)

I am writing to report and dispute incorrect information on my credit report, which I previously contacted Equifax about on XX/XX/XXXX. Despite my initial communication, I have not received a response from Equifax to date. Below, I have outlined the details of the inaccurate information and the necessary corrections : Account with XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$590.00} This account is not mine, and I request its immediate removal from my credit report. 

Account with XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} The balance provided for this account is incorrect and has adversely affected my credit reputation. I dispute the balance and request a revision of the Past Due information since it is inaccurate to present a Past Due amount for a closed and charged-off account. This account may have caused a drop in my credit score, and I am seeking resolution with my creditor. I request Equifax to mark this account as disputed to prevent further negative impact on my credit score. 

Account with XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} I dispute the reported balance of {$6000.00}, as I recall it being lower. Additionally, the Past Due information should not be reported for a closed and charged-off account. I request Equifax to delete the Past Due information and mark this account as disputed to protect my credit score. 

Account with XXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$13000.00} This account is not mine, and I request its immediate removal from my credit report.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX : XX/XX/2023
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (ND)

Bank around XX/XX/year>2024 PayPal and Sychrony Bank both took monies from my chekcing account without permissinan d p [ aid what I owed them off. That caued my checking account to be suspeened by my financial institution ( XXXX XXXX to close my checking account and leve me with out any wayh to pay anything. I am XXXX years old ( XXXX ) and my usband is in very bad helalth at XXXX years old. Synchrony took XXXX to pay themselves off and my bank teh got it back but at same time PayPal took XXXX to pay off XXXX credit card again without my even knowing that it wa going on till a bit latter an d i tried totell both Synchjrony and Papal what theyn had done. They senmt messages and I had to go online at PayPal and readd them and theyh admitted mistkes. NOw they are charging me twice the XXXX and sow I owe them double plus a XXXX fee and I tried over an d over for tehm to correct but they send a notice it wa ot theoir falt and I owe that XXXX now my balance at time of the errors wass XXXX on teh Credit Card with Paypal but now they reimbursse twice the amoount plus feee to credit card inflating the balance? I hav erbverern very ill and on XXXX mesds due to XXXX and XXXX  an d am trhying very hard forthen to corredt tis but they refuse and this is over 11 days now and I lost my cecking account ver it an d m not bler to pay anyting since bank punished me and my spouse an dsaid we hve to wait a year or so to get bank account back all because of this happening without our permission.
Consumer complaint received 2023-09-04
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. (NV)

Bankruptcy, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXt filed as identity theft. Bankruptcy does not report to credit bureaus as stated in the letter
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

5/3 bank is repeatedly finding ways to overcharge its customers with excessive bank fees. 
On XX/XX/XXXX I had a positive balance of {$19.00}. We made several online movies purchases and went slightly over by - {$6.00}. The 5/3rd bank is overdraft charging my account in the amount of {$140.00}. " see the attached document ''
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Remedy resolve, correction of damages to my credit. These damages of fraudulent and incorrect filing on my credit report have been devastating to my life. I gave not give permission to any of these fraudulent claims reported, the address is incorrect, trans union reports eight late payments while XXXX reports 13 all from XXXX XXXXXXXX, the inaccurate fraudulent auto lone defaults need to be removed from my credit report. 
I do not consent 15 U.S. Code 1681s3 15 U.S. Code 1666b 15 U.S. Code 1679c 15 U.S. Code 1681i
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Portfolio Control Inc. (IN)

There is a collection for a company on my XXXX credit report called Central Portfolio Control. I have never been notified by this company and I don't have an outstanding debt with them, This needs to be removed from my report.