davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

Last year I sent a question to MOHELA about PSLF. They waited months, then messaged back to say something to the effect of, " It looks like we haven't answered your question. If you still need an answer, please resubmit it. '' That's totally unacceptable, but I'm even more frustrated now. 
They have alerts all over telling us to sign up for the REPAYE plan because it automatically transitions into the SAVE plan, so I submitted my application, and now I got a message telling me to log in to view a letter. So I log in, and it says my request to sign up for the REPAYE/SAVE plan was denied, because I need to upload documentation. But the problem is they didn't tell me what documentation to upload, they just said I need to contact them to find out. So I tried contacting them, and it turns out they aren't available outside of standard work hours on the west coast where I live ( Washington State ). 


I don't have a choice who services my loans if I want to qualify for PSLF. MOHELA has been assigned. But they are woefully ( I would argue, intentionally ) understaffed, and give you the runaround every single time you try to have even the most basic of questions answered. This has to improve. If you want people to make payments on loans, then stop making it so hard to make payments on loans. 


I'm submitting this to the CFPB because I don't know who else to turn to. I'm trapped into a relationship with this terrible company, and I have no recourse for when they choose to either A ) not answer my questions at all or B ) supply me with intentionally opaque information about what they need from me to proceed. 


Please do something about this. I have loans through the government. The government chose MOHELA. The government can hold MOHELA accountable. I can not hold them accountable. Please do something. I've wasted countless hours trying to work with them, and it's just not fair to anyone to have to put up with their evasive policies and practices. PLEASE HELP. I'm at my wit 's end, and I'm certain there are millions more out there in my exact situation. PLEASE HELP.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023 I sent over a letter to the 3 credit bureaus of an account that was reported fraudulently and must be removed from my report. Credit bureaus has not responded at all. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-22
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. (CA)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 


- XXXX  XXXX XXXX ( XXXX XXXX XXXX ) Account Number - XXXX - XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) Account Number - XXXX - XXXX XXXX Account number - XXXX - XXXX XXXX XXXX  Account Number - XXXX - XXXX XXXXXXXX XXXX  Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXXXXXX XXXX - Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - US DEPT OF EDXXXX Account Number - XXXX
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Prosper Marketplace, Inc. (NJ)

I am receiving an email from this company called Prosper, which says my loan application has been rejected. But I have not applied for this loan at all. This might adversely affect my credit report. Or somebody is impersonating me. 

Copy of the email I received is provided below : On Tuesday, XX/XX/2021, XXXX XXXX  EST, XXXX XXXX wrote : Dear XXXX Thank you for visiting Prosper. More detailed information about why you are unable to obtain a loan through Prosper at this time is available in your Prosper mailbox. Sign in to read this message. 

Thank you, Prosper
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-21
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)

the following companies are furnishing information on my credit report that I have not given my witten express consent for them to do so which is my right under 15 USC1681b ( a ) 2. 
Experian, XXXX and XXXX have also violated my right to privacy according to 15USC 1681 ( a ) 4. 
According to 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act I was never given the opportunity nor told that I had this option, again a violation of my rights. 
1681e ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c It must also be noted that the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 
The referenced accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
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. (NC)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-20
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. (TX)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting act XXXX this account below has violated my rights according to 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. 

Please delete this account from my credit report. 

1. Account Name : XXXX Account # XXXX
Consumer complaint received 2022-10-20
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)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$63.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}.
Consumer complaint received 2023-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Admin Recovery, LLC (VA)

Admin Recovery contacted me about an alleged debt and refused to send me documentation to validate the debt. The original creditor was notified months prior that I opted out of privacy sharing and release of the account information to nonaffiliated third parties but they sent the information to a third party, Admin Recovery, anyway. 

I spoke to a Admin Recovery employee ( manager XXXX ) on XX/XX/2023 who said he would send me the written documentation I requested. He failed to comply with the our oral agreement and I did not receive the information. 

I also advised on that call for them to cease from calling me and XXXX stated they would remove the account and send it back to XXXX XXXX and stop calling me. This information was false because they called me several times on XXXX XXXX. 

I am requesting for the CFPB to do their job and help me resolve this issue.
Consumer complaint received 2021-02-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has already been notified that XXXX  XXXX university is improperly collection {$150.00} and it has been removed from the transunion credit profile listed in my name previously, i need this to be reomved immediatly as it has been removed.
Consumer complaint received 2018-10-16
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: PNC Bank N.A. (IN)

Since XX/XX/2018, I have been trying to inform PNC Bank that someone had used my card without my knowledge or consent. Somehow, PNC allowed the account to go over its credit limit by over {$4500.00}. The balance due is set at {$11000.00}. I duly informed them that someone had accessed my account and reported it to them, however instead of investigating like they said they would, they just proceeded to list me as a bad debt on the three credit bureaus. I have identify theft coverage through my insurance company and was waiting to hear their decision, but they never gave me one and have penalized me on the credit bureaus rather than assisting me with a clear case of identity theft.
Consumer complaint received 2023-07-08
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 (OR)

I applied and was approved for a airline rewards credit card. The card arrived and I did not immediately activate it. I was too busy to do so. About a week after I received it, I got notification that there was possible some unauthorized activity on my new credit card account and they asked me to call a number. I called the number as soon as I could and was told they needed to verify my identity to activate the card. I asked them about the message regarding unauthorized transactions, but they wouldn't address that concern ; they didn't believe I was who I said I was and insisted on doing an identity verification, using questions that appear on my consumer credit report -- going as far as to ask me about a restaurant that is located off of one of the main streets near my home. Apparently my accent was too thick for them to be convinced that I was who I said I was and so the asked me to send them a copy of my state-issued driver 's license. At this point I was so aggravated by the poor customer service and then I was being tasked with mailing them a copy of my ID. I told them to forget it and to cancel my account. 

I truly felt they were discriminating against me because of my name and my accent. I don't think people with XXXX XXXX and perfect XXXX accents have to go through this. 

To this day my account is still open. To add insult to injury, the are insisting I pay an annual fee for a card I can not use. As they can not " verify '' me, I can not call them for assistance. I have never had this problem with any other bank in my life... ever.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (AL)

Based on American Express nonperformance of fiduciary duties and ignorance of the law : Performance in Good Faith : I expect American Express to fulfill its fiduciary duties by promptly performing all obligations to the PRINCIPAL 'S account ending in XXXX and XXXX in good faith. Principal Account Reinstatement and Opening : American Express must immediately apply the funds to the open the account ending in XXXX and XXXX, which was both wrongly not credited or rendered inaccessible due to American Express fraud department ignorance of the law. I submitted a negotiable instrument in switch American Express did not accept without any detailed explanation. They stated that the payment was non negotiable but did not state what made the payment non negotiable. In a detailed manner I am asking what made the negotiable instrument, non negotiable? If not acceptable my next steps are to sue the company for damages because this is harming me from excelling in life and buying a car and home for myself because of the ignorance of the law. The negotiable instrument had everything that was needed to have the money sent to them. Under UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
Consumer complaint received 2023-07-08
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: CCS Financial Services, Inc. (NC)

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. Credit collection services XXXX, has violated my rights.

15 U.S.C 1681 602 A. 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.
Consumer complaint received 2022-10-20
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. (FL)

I have disputed this inaccurate information with Equifax several times. They are not investigating these as required by law nor are they even putting them in dispute. i have received nothing from them proving anything. I am requesting your help to get these errors removed from my consumer report. This is a violation of my FCRA rights and privacy. Thank you for your assistance and dedication in helping me.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to formally address multiple violations of the Fair Credit Reporting Act ( FCRA ) as found on my credit reports managed by Equifax and XXXX. These inaccuracies and unauthorized entries include : 1. **Misrepresentation of XXXX XXXX : ** - XXXX incorrect alternate names ( XXXX. ), whereas the only legitimate name as per my XXXX Driver 's License is XXXX XXXX XXXX. 

2. XXXX XXXX XXXX : ** - XXXX unmailable addresses are listed, which are erroneous. 

3. **Account Discrepancies : ** - XXXX accounts are either inaccurate, unknown, or unverified, and remain uncorrected despite my disputes. 

4. **Unauthorized Inquiries : ** - XXXX XXXX XXXX hard inquiries are reported without verification or my consent, constituting a breach of my rights. 

According to 15 USC 1681, Section 602 ( a ), consumer reporting agencies must handle their duties with fairness, impartiality, and a high regard for consumer privacy. Equifax and XXXX, as consumer reporting agencies, have failed in this respect. Moreover, 15 USC 6801 emphasizes the obligation of financial institutions to protect the privacy and confidentiality of consumer information, which has been neglected. 

Per 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports under strict circumstances, primarily with the consumers explicit written consent, which in my case, was neither sought nor given. I hereby revoke any form of consent for Equifax, XXXX, and the furnisher of information to these agencies, whether it be verbal, non-verbal, written, implied, or otherwise. 

Additionally, 15 USC 6802 ( b ) ( c ) mandates that a consumer must be informed about and must consent to any disclosure of nonpublic personal information. This right was never presented to me, hence violated. 

The reporting of outdated or inaccurate adverse information contravenes 15 U.S. Code 1681C ( a ) ( 5 ), as no consumer reporting agency should report adverse information older than XXXX years or inaccurate data. 

Furthermore, under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. Both Equifax and XXXX have continued to report inaccuracies despite clear evidence provided in my disputes. They also fail to maintain reasonable procedures to prevent these violations as required by 15 U.S. Code 1681e. 

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services immediately. 



Thank you for your immediate attention to these serious matters.