davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NY)

This is in regard to my application for loan forgiveness under PSLF. In XX/XX/XXXX, I sent my complete application with information regarding four previous employers. At that time I noted and provided information that one of my former employers, a XXXX year-old nonprofit in good standing, had dissolved. 

My application is noted as being received XX/XX/XXXX. I waited for months for information with the guidance that I wouldn't hear for XXXX business days. It was significantly longer than that, but in XX/XX/XXXX, I received a letter that my loans would be transferring to Mohela and that happened in XX/XX/XXXX. At that time, I noticed that only three of the four employers in my application were showing up. I called as the one now defunct employer was not in the documentation. I was told to wait as it was still being processed. However, in XX/XX/XXXX, when my PSLF payments were updated again, I realized that no one was looking into the application for the defunct employer as it had just been dropped from my application altogether -- no one ever reached out for further verification or to let me know there was a problem -- it just disappeared as if I never had submitted it. 

I had to call Mohela several times to get any concrete info/advice, but finally a representative told me to resubmit the application for this former employer along with any supporting documentation and my old W-2 forms. I did so and then saw a week later that my application was immediately denied. When I called up, the representative looked into it and said that it had been denied because whomever was processing it hadn't actually looked through all of my attachments properly. I then had to resubmit the exact same documentation on XX/XX/XXXX. 

Since that time I've called several times for them to tell me that there are delays and I have to wait as it takes a long time to verify that my employer was a registered 501c3 ( although I've sumbitted IRS documentation and 990s which clearly demonstrate this ). While it hasn't been 90 business days since XX/XX/XXXX, it has been almost a year since I originally submitted my information for this employer. Mohela blames the lack of resolution on FSA, which in turns says it's Mohela 's issue, and there is no way to get any information.
Consumer complaint received 2022-12-08
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of items that do not belong to me or were opened without my permission. 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 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 According to FCRA Section 605B ( a ) theCREDIT REPORTING AGENCIES shall block any information in the file of a consumer that theconsumer identifies as information that resulted from alleged identity theft, not later than 4 businessdays after the date of receipt.
Consumer complaint received 2023-08-17
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. (NJ)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S.Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate
Consumer complaint received 2023-08-18
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. (CA)

This is one of my numerous 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. XXXX  XXXX. Please delete this account ASAP.
Consumer complaint received 2024-04-02
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. (VA)

ON XX/XX/2024, I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET I FEEL LIKE I'M BEING TAKEN ADVANTAGE OF AND BEING IGNORED FOR MY DISPUTES AND CONCERNS SECTION 611 ( A ) IT IS PLAINLY STATES THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT. IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED MY. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.
Consumer complaint received 2023-08-18
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. (VA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-06-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Mortgage Details : In XX/XX/2006, My late husband XXXX XXXX entered into a mortgage agreement with XXXX XXXX XXXX XXXX on our propertry located at XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. This mortgage included a 2nd mortgage, which was subsequently sold or transferred to Specialized Loan Servicing in the last couple of years. 

Disappearance : For over 10 years, there was no communication or correspondence from any lender. During this period, no statements, invoices, or any form of communication regarding the 2nd mortgage were received. 

Recent Activity : In the past couple of years, Specialized Loan Servicing ( XXXX # XXXX ) suddenly resurfaced, attempting to foreclose on my property. They sent a Notice of Default ( NOD ) and demanded full payment, including interest for the period in which no statements or communication were provided. 

Violation of Law : The demand for full payment, including interest for the period when no statements were sent, is in direct violation of applicable laws and regulations, This is typical of Zombie Loan debtg buyers infringing on Home owners rights. 

Complaint : Unlawful Foreclosure Proceedings : Specialized Loan Servicing 's attempt to foreclose on my property based on a zombie 2nd mortgage that resurfaced after a decade of silence is highly irregular and unjust. The lack of communication and any indication of the existence of the mortgage during this extended period makes their sudden foreclosure attempt unjust and unwarranted. 

Charging Full Interest : The demand for full payment, including interest for the period in which no statements or communication were provided, is a clear violation of consumer protection laws. It is illegal to charge interest on an obligation when the borrower has not been provided with regular statements or communication regarding the debt. When I requestred a copy of the Mortgage note from them to confirm they even own my loan I was sent a copy of my first mortgage note which is highly unusal.
Consumer complaint received 2023-08-18
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. (CA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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. (MS)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2023-08-18
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. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7200.00} XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (AZ)

I have attempted to have the company, First Advantage Consumer Disclosure CenteXXXX, address incorrect information on my background report. The report was produced for an employment purpose. I was told to request a dispute which I did but the errors in the report remained. I then requested a second dispute and the the errors still remained. I called First Advantage a third time at # XXXX XXXX and spoke with the same representative that I spoke with the second time I called, per his admission. He repeatedly spoke loudly over me and refused to listen then he hung up on me intentionally refusing to further address the ongoing problem. I have had two jobs with XXXX XXXX XXXX at two different times, one with XXXXXXXX XXXX XXXX and one more recently with XXXX. The report from First Advantage lists that I worked for both divisions ( XXXX XXXX XXXX XXXX XXXX  ) at the same time from XXXX, XXXX to XXXX, XXXX. I provided First Advantage with the correct dates of employment for XXXX and XXXX XXXX XXXX. I also provided the work # XXXX where my employment history can be verified. It is important that any background checks are accurate as I am still looking for employment and the next employer who offers me a job may use this same company, First Advantage.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Balance {$0.00} not mine, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (TX)

In the begging of XXXX  a sales representative from XXXX XXXX XXXX came to my door and spoke to my then husband, XXXX XXXX was convinced to buy solar panels with XXXX. I did not agree and told XXXX that it was a bad idea. I did not want the solar panels, however XXXX continued to coordinate with the XXXX  XXXX XXXX told me that he would pay for the panels and handle everything. XXXX  signed all of the paperwork and loan forms. A few months later XXXX and I split up and then I got a call from Goodleap ( the loan company that XXXX used ) saying that I owe on my loan. I was not aware that there was a loan in my name as I did not apply for a loan, agree to one, or sign any contracts. I found out that the loan was for {$95000.00} and that it was for the solar panels that I didn't even want. J states that when he signed the forms that they were enlarged on an XXXX for him to sign and initial, therefore he says that he did not see that it was in my name. The loan is in my name with my SS number, XXXX 's bank account info., phone number, initials, and signature. After going over the details with the Goodleap fraud department, the issue has still not been resolved and I am still being asked to pay for a loan that I did not agree to, apply for, or sign for. It has been four months since this issue has been under investigation for fraud and I still don't have an answer. I am being told/ threatened by Goodleap representatives that this will effect my credit if I don't make the payments. My credit has always been good, so this is very stressful and upsetting to me.
Consumer complaint received 2024-04-02
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. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on 2 accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time paid as agreed as they should be as I was NEVER Late. Thanks, Fair Resolution! Update the account to Paid on time and never late. Please see screenshots attached :
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax ; XXXX and XXXX should not be reporting a collection/charge off in the amount of {$410.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and each bureau is reporting different dates of last activity! Also, the bureaus are not reporting this account as in dispute. This account in fact is in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.
Consumer complaint received 2023-08-18
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$310.00}
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WI)

I was called repeatedly about a late payment. I was called at XXXX, XXXX, and XXXX. No message was left on any of the calls. The payment was already made this morning. They stated I can only stop the excessive calls by requesting to be added to the do not call list. If I forget to make a payment I definitely would like to be informed but the only option is repeated calls or do not call at all.
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.