davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I submitted a PSLF form on XX/XX/XXXX. On XX/XX/XXXX I was notified by MOHELA of an error in my employer 's signature and was asked to resubmit. I submitted the correct signature required that same day, XX/XX/XXXX. 

On XX/XX/XXXX, I called MOHELA to confirm that the XX/XX/XXXX signature was sufficient for processing. The rep confirmed that the signed form submitted on XX/XX/XXXX was acceptable. To be safe, I submitted another PSLF on XX/XX/XXXX with a note that it was a correction to the original form submitted XX/XX/XXXX. 

On XX/XX/XXXX, I called again to confirm that the form submitted on XX/XX/XXXX was admissible and to see if there was any way to expedite the arbitrary and egregious 90 day processing time. At this time, the rep I spoke with informed me that the XX/XX/XXXX form was incomplete and therefore not acceptable. I told him that the rep I spoke with on XX/XX/XXXX confirmed that it was, and I requested to speak with a supervisor to make sure. 

MOHELA reps do not have consistent information and the company itself shows blatant disregard for student loan borrowers. There is no incentive for them to process PSLF applications in a timely manner since they are compensated for servicing the millions of dollars in loan balances that they hold. 

With electronic forms and technological advancements there is no reason why it should take at least 90 business days to process a form. I'm requesting assistance from the CFPB because this process is intentionally cumbersome to the consumer and limits the borrower 's ability to seek jobs outside of the non-profit sector and earn competitive wages.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

American Express via CFPB Re : Claim Notice -Amex Account # XXXX We have been Amex customers for several decades, and have been model customers, always adhering to the terms of my agreements with American Express ( Amex ), and always paying on time. 

By notice ( the Notice ) on XX/XX/2024, Amex unilaterally closed certain accounts, including the Business Platinum card referenced above ( the Account ) for no valid reason ( vague and ambiguous reason cited : based on our adherence to regulatory guidelines ) while wrongfully retaining annual fees paid by us in good faith. 

Other than the Notice, at no point in the past 30 years has Amex provided any indication of any deficiency on our part. On the contrary, Amex continued to send us solicitations to open additional accounts and to incentivize doing more business on existing accounts. 

On XX/XX/2024, Amex billed a renewal annual fee of {$690.00} ( which was promptly paid ) to the Account just weeks prior to Amex unilaterally closing it and Amex keeping the fee. We would not have renewed the card if we knew Amex would cancel after we paid the fee. If Amex did not want to renew the card, it could have canceled the card before billing another {$690.00} fee. Instead, Amex collected the fee and then canceled. We are writing to demand a refund from Amex for the renewal annual fee paid in good faith in reliance on the reasonable expectation of the Account remaining open. 

We are aware that if this dispute is not resolved to our satisfaction, we may submit the dispute to the XXXX XXXX XXXX or XXXX for mediation within 30 days after sending this notice, or we may submit the dispute for arbitration or litigation. Please be on notice that we intend to pursue litigation if the claim made in this letter is not promptly resolved. Our stated damages will likely be in excess of {$690.00} for reasons and under theories that will be outlined in the complaint. Please remit payment for {$690.00} immediately as reimbursement for the renewal annual fees paid in good faith and wrongfully retained by Amex.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING. THEY DO NOT BELONG TO ME. THE FTC IS ATTACHED BELOW. WITH SUPPORTING DOCUMENTS.
Consumer complaint received 2023-03-08
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. (SC)

Experian didn't conduct a proper re-investigation according to the FCRA. I've tried to resolve the issues through several phone calls, Faxes, and written documentation through the dispute process and each time after 30 days, there are still inaccurate, incomplete, and erroneous accounts remaining on my credit file. The credit reporting company is defaming my character and refusing to not remove negative items. Their in default and this is the last opportunity to cure and have them exercise their grave responsibility outlined by Congress before legal proceedings.
Consumer complaint received 2022-10-30
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)

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 U.S.C 1681. 
XXXX # XXXX Months XX/XX/XXXX XX/XX/XXXX XXXX  # XXXX Months XX/XX/XXXX XX/XX/XXXX XX/XX/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, other that 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 2020-10-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Rose Law Firm PLLC (MN)

I received a letter in the mail threatening to sue me for a medical ambulance bill. It claims that the debt collector has an intent to sue. They are put under the name Rose Law Firm but has a disclaimer that the letter was from a debt collector. I do not appreciate the threats or harassment saying that this is only how I can prevent litigation. Please reach out to them for me as they have no legitimate website and do not pick up phone calls.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

I received a statement from Wells Fargo telling me that I have a new account. That was started on XX/XX/XXXX. I called them right away to claim that this is fraud and that I NEVER opened a checking or savings account with Wells Fargo. 

I asked them to cancel the account. Now I have a letter dated XX/XX/XXXX telling me that they can not close the account due to a bank restriction. It is their bank! 

What is going on? Are they back to the old tricks of opening accounts for people without permission?
Consumer complaint received 2022-10-30
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: EQUIFAX, INC. (GA)

XXXX and Equifax is falsely reporting a bankruptcy on my credit report and they have put the data furnisher being the US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX I have attached a letter from the US Bankruptcy Court verifying that they do not provide this information to the credit reporting agency nor do they verify or validate this information and I also have a letter from XXXX XXXX having removed the bankruptcy from my credit report.
Consumer complaint received 2019-09-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.
Consumer complaint received 2023-03-08
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: Experian Information Solutions Inc. (MO)

XXXX XXXX account number XXXX has violated my rights as a consumer. 


In 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 agencycannot furnish a acoount 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 2021-01-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Citibank is offering a bonus for newly opened eligible checking or savings accounts. If you open a checking/savings account and deposit {$15000.00} into one or both accounts, after 60 days, Citibank will give a {$400.00} bonus. 
I did everything the bank required and was a qualified new customer at Citibank. But now my $ XXXX is in the account for more than 3 months and no bonus was sent to my account, I called them and they said I need to appeal. 
My husband also opened an account just like mine and he called Citi bank and he got a letter telling him to wait another 90 days. 
I can believe CITI bank is such a scammer, I found many people complaining about the same problem and people suggest we complain to CFPB and the problem will be solved quickly.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

Well Fargo close my account saying I overdraft over XXXX dollars when I had the protect plan spoke with many and I many customer service rep trying to fix the issue. No help at all. No its on my credit saying I owe them over XXXX in overdraft fee that was in 2012
Consumer complaint received 2019-09-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

Fed loan service is reporting a loan twice on my XXXX credit report. 
There are a total of six loans reporting when there should only be five. 
The amount is more than what it should be please remove the sixth ( duplicate {$3100.00} ) account immediately! 
This is my eighth complaint and no one here is taking responsibility.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certegy Holdings, LLC (NC)

I went to XXXX XXXX and XXXX XXXX on both days trying to cash a check that was written to receive cash back. The company Certegy Payment Solutions sent me a report back stating that I had return checks on their system which I found out later they did not. They could not even find a report showing that I had cashed any checks. But when I was in the store trying to cash my check the store would not accept the checks - only written for the amount owed. I wanted to get cash back from my checks. For example, If I wrote a check for {$50.00} dollars and wanted {$20.00} back their system would not accept it. The Manager at both stores indicated that they could not tell me why because they did not have any return checks on file. I have a report listing the checks that had cleared and went through their system by Certegy Payment Solutions but no cash back. 

When I tried to ask them why my checks would not clear they could not give me a clear answer and the checks listed are no longer in their system. I have enclosed a copy of this report to you and also copy of the checks I could not write for cash back. 

Please clear this matter up for me, because it is so embarrassing to go into a store trying to write a check for the goods and requesting cash back with both the Manager of XXXX XXXX and XXXX XXXX plus Certegy Payment Solutions not giving back information as to why my checks would not clear for cash back. 

Thank you! 
XXXX XXXX
Consumer complaint received 2023-03-08
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. (IL)

To Whom It May Concern, On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inaccurate/ incorrect. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my 2nd request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for the dispute below : XXXX  XXXX XXXX XXXX. The following information is reporting wrong, Delete it
Consumer complaint received 2021-01-02
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: Specialized Loan Servicing Holdings LLC (MI)

Failure to MOV, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), for the following items within the time set forth by law. 
SPECIALIZED LOAN SERVI XXXX Date opened XX/XX/2006 2006
Consumer complaint received 2023-03-08
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. (GA)

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2019-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MS)

There is a PAID Medical Debt Collection on my Equifax Credit Report ( See Attachment ). This Medical Debt Collection was placed on my Equifax Report in XX/XX/2018, not allowing for time to see if my medical insurance would pay for it. It should be DELETED/REMOVED as required by the National Consumer Assistance Plan ( NCAP ) for Medical Debt Collections.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (PA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2021-01-02
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. (AL)

XXXX XXXX XXXX  {$160.00} open XX/XX/2019 FRAUD REMOVE XXXX XXXX {$0.00} FRAUD REMOVE XXXX/XXXX  {$960.00} FRAUD REMOVE XXXX XXXX {$1000.00} FRAUD REMOVE
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (FL)

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.
Consumer complaint received 2022-10-30
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: EQUIFAX, INC. (CA)

XXXX HAS THE NERVE TO SEND ME A LETTER SAYING UNLESS YOU SEND US ADDITIONAL RELEVANT INFORMATION TO SUPPORT YOUR CLAIM WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN!!!!? THE NERVE REALLY!! HOW ABOUT STOP WASTING MY TIME AND MAKE IT RIGHT!!! 

ATTACHED IS MY CREDIT REPORT THAT THEY'RE SAYING IS SOOO ACCURATE!! GIVE ME A BREAK!!
Consumer complaint received 2022-10-30
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. (CA)

XXXX HAS THE NERVE TO SEND ME A LETTER SAYING UNLESS YOU SEND US ADDITIONAL RELEVANT INFORMATION TO SUPPORT YOUR CLAIM WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN!!!!? THE NERVE REALLY!! HOW ABOUT STOP WASTING MY TIME AND MAKE IT RIGHT!!! 

ATTACHED IS MY CREDIT REPORT THAT THEY'RE SAYING IS SOOO ACCURATE!! GIVE ME A BREAK!!
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (IL)

On XX/XX/2023 I pulled my credit report and see an account from XXXX XXXX my credit. I sent them a certified dispute letter with a return receipt. XXXX responded back to me on XX/XX/2023 letting me know my debt been sold to Credit Corp Solutions . I then sent out a debt validation letter to in fact VALIDATE the debt not verification of the debt via certified mail with a return receipt. Credit Corp Solutions only sent verification documents and failed to send me what I requested. I feel anyone can make up billing statements I need to see my wet signature and contract with me in agreement with this alleged debt.