davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

I submitted secured messages to Mohela saying I was unable to get customer service to help me and also unable to reach out to a supervisor. And also that it is difficult to use the phone system which also has long hold times. 

I uploaded documents that should prove that Mohela incorrectly denied my PSLF. I requested that mohela review my account again and get this corrected Their response was that I need to call in to their phone system to speak to a customer representative. I reached out via secured message in hopes I can get Mohela to finally address my issues but they diverted responsibility again and did not provide any service or even tried to address my issue... basically we are back at square one. 

Also the response took 10 days when it should only take 3 days I am not sure why I have to call in about this. Your response was basically I have to call in... then what is the point of having secure messaging? Isn't secured messaging a way to reach out to Mohela customer representative? 

I uploaded the documents needed. I was thinking I could message Mohela to request that they get the appropriate dept to review my documents that should apply my PSLF that was incorrectly denied. 

I do not want to call in because the hold times are ridiculous and I've had trouble calling in and have had no luck getting this resolved over the phone. 

Customer service points the finger at XXXX to do IDR adjustments when they have already done these and they keep telling me to wait. 

They did not provide me with a means to rectify their incorrect denial. They said I do not have enough qualifying payments even though I have more than double required. It is not showing in their system. I finally went out and got the info myself even though they said there was nothing I could do about it because I have to wait for XXXX even though XXXX already reviewed my account so nothing was ever going to get resolved Secured messaging is an avenue for contact with Mohela, I am not sure why you are diverting responsibility and requesting that I reach out to Mohela via phone to get this figured out when that is exactly what I am doing with secured messaging. 

Please explain why you are unable to get the correct person from XXXX to work my case. I have uploaded documents proving that I have more than enough qualifying payments. 

These issues have been going on for over a year and a half!!
Consumer complaint received 2024-04-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC (TX)

XX/XX/year> {$11000.00} 15 usc 1692c law If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Consumer complaint received 2023-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AR)

This company is called XXXX I look it up it has part of the XXXX XXXX XXXX which I have have taken of my credit report. Because they call day or night with different number. Which is collection is off PayPal credit which just online I get spam email from PayPal stuff that not real all the time. Which any way I had it removed off XXXX XXXX because of fraud I would be happy if take it off the other two credit report
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

I was involved in identity theft and several credit cards were opened or tried to be opened in my name. Several I was denied, and letters came to my house for denials. These were opened in my name, and I have been sent bills to pay that I was never aware of having these cards opened or using them.

I have not paid any of these, I want them cancelled, my name removed from them, and any derogatory marks removed from my credit score. 
Citibank I had a card with them that was paid off to close that account, a second card was opened fraudulently in my name that I never requested. I contacted them after receiving a bill on XX/XX/XXXX for {$830.00}. I do not remember what date I contacted them. I received a letter on XX/XX/XXXX stating they were investigating the bill. I called them around that time and talked to a fraud department supervisor and she realized the second account was fraud. She assured me the account would be zeroed out and closed. I have received a couple of letters stating it was XXXX balance and one saying they were not taking balance off and I am liable. So I do not know if it was properly taken care of, as I tried to call again early XXXX and I was never able to get through to anybody as I do not have enough information on that card. They put me in collections. I would like this card cancelled and removed from my credit report as well. 

I have been told not to pay any of these fraudulent accounts by federal agencies, as I am not liable. This is why they are in collections. I pay all of my legitimate bills on time and before all of this happened to me, my credit score was XXXX.
Consumer complaint received 2023-01-25
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX & XXXX  account number 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 2023-01-25
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. (MI)

XXXX XXXX XXXX XXXX XXXXXXXX showing a late payment XX/XX/XXXX, XX/XX/XXXX reporting to the CRA ( Experian XXXXXXXX XXXX XXXXXXXX ) as late. I was never late on this account direct violation of the FCRA title 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) I have the right to privacy and I am demanding that this late payment is removed from my credit report.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc (AZ)

ABC Financial Services keeps calling my phone number and sending letters demanding payment of {$10.00} and {$9.00} biweekly even they were notified by me and the XXXX XXXX XXXX Downtown  that Agreement # XXXX Member # XXXX was terminated on XXXX XXXX, 2017 due to XXXX non-compliance to provide items as per agreement for the XXXX Shower floor mats, and other items, and due to the abusive racial slurs made directed to me, a XXXX years old senior citizen with XXXX XXXX. XXXX have accepted the termination of this agreement, therefore, there is no longer charges of dues.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (MD)

On XX/XX/XXXX I sent an investigation request by mail to XXXX, XXXX and EQUIFAX with non-response. Additionally on XX/XX/XXXX sent a SECOND NOTICE investigation request to XXXX, XXXX and EQUIFAX and as of XX/XX/XXXX I have not received a response or corirmation that my request has been received. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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. 
Reference Number XXXX Date Filed XXXX XXXX, XXXX  Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual XXXX  Amount XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-01
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items on my credit file that are erroneously reported. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$630.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX/XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-14
Product: Credit reporting, credit repair services, 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. (IL)

To Whom It May Concern, I am a victim of identity theft and I am writing to request the removal of the following fraudulent hard inquiries from my TransUnion credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inquiries were made without my consent or knowledge, and I believe they are the result of someone else attempting to use my personal information for their own gain. As a victim of identity theft, I am entitled to dispute inaccurate or fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that these fraudulent hard inquiries be deleted from my TransUnion credit report as soon as possible to protect my credit score and financial well-being. I am willing to provide any necessary documentation or information to support my claim. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IN)

I have recieved my 1099-C Copy B form from the IRS having my student loans forgiven and debt canceled for the total amount of them being {$13000.00} at the time it was. Yet there was no reflection made on my nelnet account, my student loan account number being XXXX. As well as late fees for these loans that increased the amount when it was already canceled.
Consumer complaint received 2023-03-01
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. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 

Here are the accounts that needed correction : XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$390.00} This is my follow-up complaint in line with my prior complaint dated XXXX XXXX
Consumer complaint received 2022-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

the debt collector violated 15 u.s. code 1692g Validation of debts. they never written me a validation letter that these accounts was my debts that i owed. account number XXXX, account number XXXX, account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Kikoff Inc. (MI)

I Downloaded the Kikoff app  off From a Ad online. The app was Supposed to help me build my credit but instead they charged me monthly {$5.00} for I could get assess to borrow {$750.00} from them.. I seen alot Bad reports after awhile online so I tried to cancel the account but I couldn't. They caused hard injuries on my credit score saying I owe them {$55.00} They charge my Card every couple weeks trying to take {$10.00} from my card Early in the morning and I asked if they could remove me but im still being charged and my credit score falling Negatively.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (OH)

I took a look at my credit report and I see 2 accounts on there that dont belong to me. I reached out to the company no luck. Than reached out to the consumer reporting agencys but the account was verified as mine! Im a victim of identity theft Kickoff Lending LLC Account number : XXXX Date opened : XX/XX/2022 Kickoff Lend Account number : XXXX Date opened : XX/XX/2022
Consumer complaint received 2023-05-15
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. (SC)

The information on my credit report with U S Dept Ed account # XXXX is not accurate. It says the account or loan was opened in XXXX. At that particular time I was only XXXX XXXX XXXX and that could not possibly belong to me. I was born in XXXX, the account must be a direct result of identity theft
Consumer complaint received 2022-12-28
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. (IL)

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (OH)

I have a screen shot of my account before I closed it just recently showing I was not past due and yet on my report it says I'm past due and hasn't been updated since XXXX XXXX. I disputed 2 or 3 times and kickoff keeps telling them its up to date when it is not up to date and I also have proof. And I want it off my credit report now. Please.
Consumer complaint received 2023-03-01
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. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-14
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-05-15
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. (PA)

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 2023-05-15
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. (CA)

Consider this complaint as a follow-up to my prior complaint dated XX/XX/XXXX, that contains disputed items that came about to be fraudulent, Please remove the items for they are causing damage to my scores and files in my credit report, Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX