davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-02
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. (FL)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To, Bank of america CLAIM ID : XXXX You have closed the dispute of XXXX stating that the merchant has provided the credit. Merchant has not provided the credit. The credit of XXXX is for a different transaction of XXXX. I tried to re-open the dispute by calling customer support, but they refused to re-open it. I send them XXXX fax about the issue, they do not respond as well. 
Please continue the dispute of XXXX for the transaction XXXX XXXX. 
Provisional credit is not provided.
Consumer complaint received 2023-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

Drs is inaccurately reporting on my credit report that I owe a balance off {$2400.00}. I dont know this company nor have ever had any business with this company. This company does not have a contract with my signature on it and is a violation to be reporting inaccurately on my credit.
Consumer complaint received 2017-05-19
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. (OH)

XXXX   XXXX  is reporting an account that was paid in full as a charge off. I turned all of my debtors over to  XXXX  and paid all of the linked accounts off in full, early. They supplied me with the proof and  XXXX   XXXX  said they turned the account over to  XXXX   XXXX , they say the account was paid in full before any collection activity started. I have a record of all of the above. This is hurting m y credit score  on all of the major credit reporting agencies.  XXXX   XXXX  is the only account that lists this kind of recording, even though I had several other cards also in the program, and no one else reported their accounts in the same manner. Payments were sent each month to  XXXX   XXXX , the proof is attached. They will not change or speak to me about it.  XXXX  said they are reporting it wrong and something should be done to fix it.
Consumer complaint received 2023-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KY)

I started working non profit and have verified employments since XX/XX/XXXX. My agreement should be finished XX/XX/XXXX. 

Mohela and student XXXX XXXX stated they will not be able to tell me until XX/XX/XXXX. 

This is XXXX months past my ten year agreement.

The limited waiver passed by congress and senate is being ignored by Mohela and XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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)

I have sent letters regarding fraudulent information in my report, but I did not receive any response. It is my right to dispute something inaccurate and also to receive response from what I sent. They have violated my rights because it has been XXXX  days.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent letters regarding fraudulent information in my report, but I did not receive any response. It is my right to dispute something inaccurate and also to receive response from what I sent. They have violated my rights because it has been XXXX days.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent paperwork to update my credit report information to the correct and updated name, address, XXXX, date of birth, and phone number via XXXX XXXX mail on XX/XX/2021. I have still not received or see the updated information on my credit profile.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent paperwork to update my credit report information to the correct and updated name, address, SSN, date of birth, and phone number via XXXX certified mail on XX/XX/2021. I have still not received or see the updated information on my credit profile.
Consumer complaint received 2022-11-02
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. (SC)

XXXX XXXX XXXX XXXXn accordance with the Fair Credit Reporting act 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 can not furnish a account without my written instructions
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I opened A Capital One Account because the were offering a {$250.00} Bonus.. On XXXX there was a withdrawal of {$500.00} and then on XX/XX/XXXX There was another for XXXX I put in a dispute and i received the money back on XX/XX/XXXX while they were investigating the Issue. On my statement in the memos it shows XXXX XXXX. I now have received a email that states the have found this to a good transaction.. I have asked for proof and they keep telling it takes time to gather this info. They have stated in the email that the funds will be taken out on XXXX Please help
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code 1681m - Requirements on users of consumer reports 15 U.S. Code 1681- Congressional findings and statement of purpose Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) name or social security number. Agencies fail to follow guidelines for handling disputes
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

SPS sent me a letter stating that they would recast my loan. This was done forcefully. I never requested a recast, which implies me paying more interest AND A BALLOON PAYMENT. 
When I called they said I was too late. I received this letter too late. I received it on XX/XX/XXXX, they said I had to call on XX/XX/XXXX, through no fault of my own. 
i called and they had originally said it was done, then they called me back and said i had to take the recast. 
If there is a time limit on responding they should have sent the letter certified. 
I DO NOT WANT A RECAST of my loan. They make it sound like it is a good thing, when in fact they are just trying to collect more interest on the loan. 
Who knows how many more people they have done this to.
Consumer complaint received 2022-11-02
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. (OH)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-02
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. (SC)

XXXX XXXX In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-11-02
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: 1st Franklin Financial Corporation (GA)

A potential employer made me aware that my credit report is showing charge off amounts for XXXX XXXX XXXX 1st Franklin corporation and XXXX XXXX. I've paid the loans I've previous had and have the proof that they were paid for the 1st 2 companies listed. I have no affiliation whatsoever with the third company. This error is showing on my report and is making it difficult to move forward with possible employment.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (FL)

When I received a statement for renewal, I informed the company by mail that I did not want to renew and told them to void the card. I have never used the card since then and actually did not use it for some time previous to that. They continued to send me a statement showing the {$99.00} renewal fee. I have telephoned them and sent letters to their actual office [ not the bank to whom you mail payments ] and as of today, some months later, I am receiving " past due '' statements for the {$99.00} for a credit card I do not want or have used in more than at least a year.
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (NC)

I received a hit on my credit for a phone bill with XXXX XXXX . I have not been with that company for 10 years. I contacted XXXX and they find no record of me. They had me go in store could find no record of me. XXXX has filed a dispute with Frontline Assetts. I called Frontline Assetts directly. She was very nice and said this came up only a few years ago ; verifying it is not mine. The problem is Frontline Assetts wants me to pay {$170.00} to try to solved the dispute. That makes no sense for one and second again that this is not my debt. This was after Frontline Assetts making me give them my CC to pay a XXXX $ feom some company to verify my information, which, of course, made no sense. And, now, I have to cancel with that company before I get charged XXXX XXXX
Consumer complaint received 2023-07-03
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-02
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. (FL)

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 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

When the Student Debt Relief plan was announced, I called my loan servicer, XXXX, on Saturday, XX/XX/XXXX to request a refund of student loan payments that were made during the forbearance period. 

I spoke with XXXX ( ID # XXXX ) who informed me since there were three payments, she would have to put in three different refund requests. The three payment amounts were XXXX, XXXX, and XXXX. She mentioned there wasnt a definite timeline as to when to receive the refunds, but it could be anywhere from two weeks to two months. 

I received two checks from the Department of Treasury on XX/XX/2022 : one for XXXX ( Chk. # XXXX ) and another for XXXX ( Chk. # XXXX ). As of XX/XX/2022, I have yet to receive the third refund of XXXX and its been more than 60 days. 

On XX/XX/2022, I called MOHELA to inquire about the refund, and they still did not have my complete account information. I instructed them to add a note that I was awaiting a third refund in the amount of {$26000.00}. 

On XX/XX/2022, I called XXXX to inquire about the status once again and the rep I spoke with, XXXX, explained that since my account had been transferred to MOHELA, they no longer have access to any information regarding my account and instructed me to call MOHELA. When I contacted MOHELA, the rep I spoke with explained that since they werent the servicer that put in the request, I would have to call XXXX. 

I have not been able to get a response or a concrete answer about the status of my third refund.
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (HI)

Land home financial services lost my payment checks. Then asked to pay ahc which I did. Then sent a new invoice And two days after presented the initial checks for payment. This clearly is an attempt to collect double payments but we caught them. Now they wont answer the phone about the escrow account. I work in the industry and this is not ok
Consumer complaint received 2023-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (WI)

Took out a loan from One Main Financial over 3 yrs ago. Still paying on the loan when asked if there was anyway to lesson the payments was told that I could only refinance the loan. Also had issues paying the loan and was only given the option to refinance instead of helping lower monthly payments
Consumer complaint received 2022-11-02
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which 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 : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX... .Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-27
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: AMERICAN EXPRESS COMPANY (NY)

Recently I filled a complaint with CFPB against AMERICAN express COMPLAINT XXXX SUBMITTED XXXXXXXX  American express replied to the complaint, however it seems like that they did not read my latter since their response does not address my complaint at all!!!!!!!! 
I will repeat my complaint ; XXXX reported 2 late payments for XX/XX/XXXX  and XX/XX/, however I have attached proof that i did not receive any bill from Amex since i moved to a different apartment back in XX/XX/ and Amex bill is still addressed to my old address
Consumer complaint received 2022-11-02
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-11-02
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 update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2023-07-03
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX PL XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GAXXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$7500.00} ; ( Original Creditor : XXXX XXXX AP ) XXXX XXXX XXXX {$2600.00} ; 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 2024-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/2024, the Department of Education announced an extension on the deadline to recertify any IDR loans to earliest XX/XX/2024. My original deadline to recertify was in XXXX, so my deadline should have been pushed. See link to the announcement here : https : //studentaid.govXXXX On XX/XX/2024 ( screenshot below ), after waiting for Mohela to update to reflect this new information and seeing they had not updated anything, I sent them a message asking when it would be updated. They responded saying they were " working on updating accounts. '' On XX/XX/2024, I learned that Mohela had kicked me off my IDR plan ( the SAVE plan ) and put me on " SAVE-ALT '', which is just a standard repayment plan, because they failed to update my account to reflect the new guidance. They tried to get me to recertify earlier than allowed, and now they are trying to get me to pay a higher monthly amount even though borrowers are not required to certify until earliest XX/XX/2024.