davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

My student loans, like most other people 's, started repayment back in XXXX. Because of them not doing what they were supposed to do, none of the information showed up to properly repay the loan. I had submitted an application for income based repayment to lower my payments and even after receiving that information they had my monthly payments at about {$250.00}. Needless to say, when I contacted them, they said that was incorrect and my application was not processed. I checked the website multiple times to find out if I was missing any information and based on the website and speaking to a couple different people with mohela, it did not look like I was missing anything. For some reason unbeknownst to me, I had to resubmit my w-2. I did what I was supposed to do again and my payments were lowered to about {$60.00} a month. They told me that I did not have to pay my loans back until XXXX and then they told me I had to pay in XXXX. Because of that misinformation on their part, my budget was not ready to start repaying that loan until XXXX. When I called mohela, the woman I spoke with told me that I could file a forbearance in order to cancel my payments for a few months while I got my finances in order to budget paying this loan again. My forbearance application was filed in XXXX and it is now almost XXXX with no information from them, except constant emails about me having missed payments. I have called Mohela about six times since XXXXXXXX XXXX application was filled out. Each time I speak with them someone tells me something different. One woman told me that I was missing information and she had to transfer me to the correct department. The correct apartment told me I was not missing any information and that Mohela just has not done anything about my application. Another time I was told it could take 90 business days for them to even look at my application. I think it's funny that I'm expected to do everything on time or else but they can't even process my application in a timely manner 90 business days is outrageous to have to wait for an application to be approved or denied as there are only about 20 business days in a month. Every single time I call them I am literally waiting on hold for at least 45 minutes just to have somebody tell me that there's nothing more than I need to do. I don't understand how I have missed three payments and they can send me emails about that, but they can not process my forbearance application. I only needed a few months to get my things in order but now I'm about {$200.00} overdue because they can't either accept nor deny my forbearance application. I'm not the only one having issues and I think this is ridiculous that there's nobody on our side to help us.
Consumer complaint received 2023-01-17
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. (TX)

See attachment Other Inquires I didn't authorize XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX  XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022
Consumer complaint received 2022-09-12
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. (SC)

In accordance with the fair credit reporting act XXXX Act # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2021-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-23
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. (VA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-23
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)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
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: EQUIFAX, INC. (NY)

My right as a consumer is being violated according to " 15 usc 1681 a 2 ''. In Accordance with the Fair Credit Reporting act, Account Name : 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

Company name : XXXX XXXX, AKA Care Credit Card on XXXX/XXXX/17 ; the Check from CareCredit ( medical credit card ) was returned and assessed a {$12.00} return fee. The check was completely legitimate and there was no reason to return it and not honor the check. I called the Credit card company and faxed them all the necessary paperwork to get {$400.00} credit back to my account, they agreed and put it in the notes that it was approved by accounting department ; however, when I called later they kept telling to wait and never honored they commitment to issue a new check or credit my account. I would like the {$400.00} credit and the {$12.00} return item fee back on my account.
Consumer complaint received 2017-11-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Debt Management Partners LLC (CA)

Threatened to sue me for debt that was wrongfully forwarded to collections after financial institution have already paid for debt an passed the amount owed onto checking account resulting in overdraft. Have documents supporting this. When I tried to talk to them they kept trying to make me say Im refusing payment they threaten to make me pay more in court and wanted money today also stated they would not give me proof of debt or that it isnt in their right to give me proof they stated they managed many companies and had partnering companies. They also would not call me from an unblocked number for me to search for legitimacy. They refused to give me physical address as well.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (FL)

I filed XXXX XXXX Bankruptcy in XXXX and this account was included. It was removed from my credit report along with other accounts that were discharged. 
Somehow the negative account was placed back on my credit. On XXXX, I reached out to XXXX XXXX and advised This account was discharged in bankruptcy and was put back on my credit report erronneously. Please remove as it is having and extreme negative affect on my credit. Any consideration is greatly appreciated. 
As of today, XXXX, I have not received a response and the derogatory account is still listed and damaging my credit report.
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Collection Partners, Inc. (IL)

CCP, INC. calls me 1-3 times per day every day. When I spoke to someone today, she told me there is no way, and they are only calling once per day. I get a call around XXXX, XXXX, and XXXX. As far as I'm aware, calling even once per day is harassment according to federal law. I can never speak with someone, as I am at work from XXXX every day. They are only open XXXX. They call me repeatedly while I'm at work and disrupt my job. The representative said she will not stop calling me until the issue is resolved. This is very overwhelming and counter productive. They call from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, and XXXX. All of these numbers have called me several times.
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

When my loans first went into repayment, I tried to refinance with Navient, but they would not help in anyway. My monthly payment was over {$1200.00} a month and they said if I could n't meet that, that the loan would just go into default. I struggled with monthly payments which affected my credit. 

Then, when I my interest rates started to go over 10 %, I pulled from savings and asked family to help pay off the loans because the interest was so high. One of the checks that a family member had gifted me, I sent to Navient with instructions on how to apply it to my students loans and they misplaced the check. They received the letter ( which was in the same envelope as the check ) but had no proof of the check. I then had to contact my now deceased grandmother 's bank to get proof of the check and show it to Navient. The bank luckily had a picture of it ( which they said they would only have if someone deposited the check, meaning Navient deposited it ) so uploaded it to my Navient account. 

Navient is still delaying processing the payment, saying " they need more time to research the payment '' and wont even give me a timeline for when they think it will be complete. This has been an ongoing issue for over two months.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (GA)

I have a personal credit card with GM Marcus by Goldman Sachs, therefore they have all of my information on file. I have had no issues. Application process went smooth, no problems. 

I have applied for the GM Business Card by Goldman Sachs a minimum of ten ( 10 ) times. XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 The scenario is this ; 1. Fill out a pre-qualification. 
2. I am approved.

3. Accept or do not accept. I accept.

4. They respond that they need identification verification. Please upload government ID. I comply.

5. 1-3 days later, I expect my credit card information but instead I receive this : *Unable to verify identification information. 
I have called customer service, and each time they CAN NOT HELP. They can not help my situation, tell me what to do differently nor send me to someone who can. Ive tried to make sure all information on my application, is exactly the same as on my ID, and on my credit reports.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXXXXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2017-11-22
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. (NY)

Experian is incorrectly reporting a collection account from XXXX XXXX XXXX on my credit report. I have disputed this account on numerous occasions and the company has yet to respond or produce any evidence to validate said debt. I sent a 609 letter to Experian on XX/XX/XXXX along with my ID in an attempt to get this matter resolved. The collection was not removed nor was any evidence produced to validate the debt. I called Experian on XX/XX/XXXX to once again, in an attempt to have this fraudulent and incorrect account removed from my credit report as I am in underwriting for a mortgage and i can not move forward with the process until this matter is resolved. I was then advised to make a claim with CFPB because the company would keep reporting the debt. Under FCRA 15 U.S.C 1681i, all unverified accounts must be promptly removed. They were unable to provide me with a copy of the verifiable proof that this was in fact a valid debt within 30 days of my request therefore they must remove XXXX XXXX XXXX acct # XXXX permanently and immediately.
Consumer complaint received 2021-12-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Claims Bureau, Inc. (NY)

I went to the XXXX XXXX XXXX XXXX in XX/XX/21 for a coronavirus test that they did for free and then they sent me to charge XXXX dollars and they say I went for a headache, which is not true, I called many occasions and asked that they send me a record of the service I received which they never did.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

This account been on my report for reporting incorrect or inaccurate. It has caused me a lot troubles including job turn downs. I have been in contact with bureaus about this incorrect report. 
In accordance with the Fair credit reporting Act. Everything has to be 100 % accurate on my report. 
The credit bureaus stated my accounts was properly investigated but this is not possible if balance is not being reported correctly, no information of validation from debtor, wrong address on report it not deliverable. ( XX/XX/2022 ) balance updated is inaccurate ( XX/XX/2022 ). Account has been on report for 7 years. Has been report deliquent for 6 years or more. High balance of XXXX on XXXX and {$170.00} on Experian. N o investigation was done. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States that I have the rights to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting can not furnish an account without my written instruction. 
Also the credit bureaus did not validate these debts and provide me with proper documentation requested that should have been provided in there investigation and placement of this account XXXX my credit file.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (FL)

Experian has failed to complete the investigation in the allotted 30 days time, and respond to me promptly. 
I mailed them stating according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
1. This account is not mine XXXX XXXX XXXX # XXXX Please remove it from my credit report immediately. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report immediately. 

3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove immediately 4. No Late Payment XXXX  XXXX XXXX  # XXXX Date of inquiry : XX/XX/XXXX Please remove it immediately. 

5. This account is not mine XXXX # XXXX Date of inquiry : XX/XX/XXXX Please remove it immediately. 

6. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/XXXX Please remove immediately 7. No late payment XXXX XXXX  # XXXX Date of inquiry : XX/XX/XXXX Please remove it immediately. 

8. Victim of natural disaster/ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Please remove late payments immediately. 

9. Victim of natural disaster/XXXX In School defer XXXX XXXX # XXXX Date XXXX XXXX XX/XX/XXXX Please remove late payments immediately.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XX/XX/scrub>XXXX I found disrepancies on my report with XXXX XXXX, XXXX, Experian Acct # XXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2023-05-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and misleading 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 of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681 . I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.