davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CT)

Mohela, according to the Mohela customer service rep I spoke to on XX/XX/XXXX, explained that Mohela 's processing error led to a letter/notification that my employer did not complete questions 9-12 on the employer verification form that my employer submitted. She pulled up my materials and confirmed that my employer verification form was complete ( all required responses were provided along with appropriate signature ). 

The representative said that my application file ( including employer 's form and employer 's eligibility ) was complete and should cleared review. ' I was already past the 90-day period the Mohela site posted as my processing time, my application is complete ( according the representative who reviewed it with me during my call ), but the representative said that Mohela would reset my processing for another 90-day period to clear my application for approval. 

The representative did reset my application, which now shows that a new 90-day processing period has begun. Now a week later, I received a notification detailing that my payments will resume ( but I am way over the 120 payments for XXXX forgiveness ), Furthermore, the rep ( who was polite, no troubles there ) suggested that I resubmit my borrower 's page for the XXXX application, and noted that I should resign my signature on the original application page. I did as suggested ( see attached ) and now that submission is listed as resetting the 90-day processing for review. 

As the end of the federal forbearance period is coming soon, I am out of time with the uncertainty that additional Mohela reviewing errors will likely continue to reset and delay my approval. The Mohela employee reviewed all my materials while I was on the phone, and she clearly stated that all my materials were in order and that it was flagged in error and now must start the process from scratch. 

From consumer reports from CFPB, there is clearly a pattern of Mohela delays and errors that jeopardize timely and accurate review for official approval. 

If the rep I spoke with can confirm all my materials and information is in order, why am I back to square one, and why do I need to wait another 3+ months fearing that the error-prone review process will delay and disturb my official approval. 

I made more than 120 payments towards XXXX forgiveness. 
All forms ( including employer form from employer ) were submitted before the XX/XX/XXXX deadline. 
Mohela rep explained my files were complete and accurate, and that the application shouldn't have been flagged as having an error. 
Yet, I am now back to week 1 of another round of 90-days for processing, in the same exact system that erroneously flagged my application after the previous 90-day review period.
Consumer complaint received 2023-02-09
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. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

I did not receive a bill regarding my student loan repayment that was to resume in XX/XX/XXXX per the federal government. When getting online to setup my account with Mohela, I had a payment due in XXXX and was not notified of this payment 21 days in advance as indicated by repayment guidelines. According to Mohela I had a payment due on XX/XX/XXXX and again on XX/XX/XXXX. I paid both today, XX/XX/XXXX, but am trying to get information about reporting to the credit bureaus. This payment request was not submitted to me in advance of the payment which was supposed to be at least 21 days before the due date. There are numerous reports/articles regarding this issue and how poorly Mohela is handling the student loan servicing from thousands of borrowers. Will this negatively affect my credit?????
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in 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
Consumer complaint received 2023-02-09
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. (FL)

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE (OH)

Checks were stolen while I was XXXX  and used to open a bank account with XXXX XXXX. When I discovered this, I immediately contacted local law enforcement who was reluctant to take a report, refusing to take an in-person report. I was told to handle it with the bank and that there was nothing the police could do. Finally, after months of not being able to get an answer from XXXX after sending in everything I needed with an affidavit disputing the checks used to open the XXXX account ( which XXXX keeps denying ) and having called every 3 days for over a year being ignored, sent me a notice that they will not help me recover my funds because I didnt cooperate with law enforcement when it was law enforcement that refused to cooperate with me. I have since reported this to XXXX. Nobody will take responsibility despite prompt reporting of the situation and evidence that funds have been grossly misappropriated and handling this situation where XXXX has been on conference call with XXXX and denied it removing funds from my account, has been devastating especially whiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in 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
Consumer complaint received 2023-02-24
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)

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 155 USC 1681 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602.A States I have a right to privacy 15 USC 1681Section 604.A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 ( 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 that records of conviction, other that records of convictions of a crimes which antedates the report by more than seven years 15 USC 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 2023-01-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Levy & Associates, LLC (OH)

Levy & Associates LLC has contacted me over 12+ times for debt that I do not owe. I have sent them ( 7 ) separate letters via fax and USPS mail since XXXX XXXX  to Cease & Desist, yet they continue to contact me. 

They have threatened to garnish my bank account and continue to pursue debt after they have been repeatedly advised that I receive Social Security Disability. They recently contacted my bank for financial details as well. 

I have copies of all letters and faxes that have been sent to this company since XXXX XXXX  XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding multiple attempts made to remove fraudulent items from my account. 

To my dismay, despite multiple attempts to rectify this issue, the fraudulent items have not been adequately addressed. Despite providing all necessary documentation and details regarding the unauthorized transactions, the resolution process seems to have been prolonged unnecessarily, causing me significant inconvenience and frustration. 

I understand that instances of fraud can be complex and require thorough investigation. However, I expected a more expedient and effective response from your company in resolving this matter. The lack of timely action has not only impacted my financial security but has also eroded my trust in your company 's ability to handle such critical issues. 

In light of these circumstances, I urge you to take immediate action to rectify this situation. I request that you promptly investigate the unauthorized transactions on my account and ensure that the fraudulent items are removed without further delay. Additionally, I expect a clear and transparent communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and stress caused by this ordeal. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution at the earliest opportunity. With this, I am asking for your assistance to remove these fraud items in my credit 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
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (NY)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I have been unable to determine how much I am actually supposed to pay for my student loans. Some of my loans are in the SAVE plan, yet other loans are not. I am unable to contact anyone either via email or the phone to determine what my loan status is. I have received 3 different amounts for payments, yet none of them make any sense. I find it absurd that we have to use companies that seem utterly useless for student loan repayment.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I have been accused for having a bankruptcy reporting on my consumer reports. I have been trying for over a year to have this removed from the credit reporting agencies, XXXX and XXXX. I have a letter from the courthouse, stating that they do not report to the credit reporting agencies. They are in violation of FCRA Title 15 USC 1681 ( a ) which Congress states Accuracy and fairness of credit reporting. They are in clear violation.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof The following account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX Balance Owed : {$4100.00}
Consumer complaint received 2023-02-24
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. (NV)

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. 

XXXX XXXXXXXX XXXX  XXXX : # XXXX, Original creditor : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-07-01
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 US 1681 section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I have disputed these inaccurate items several times and have yet to receive any responses or documentation.
Consumer complaint received 2019-12-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (TX)

Upon receiving a promo with ID # XXXX from US Bank to refinance. I was denied based on some senseless technicality. I have renters in the unit that make payments. The payments would have been lower and should have been approved. They claim it was some federal regulations that prevented the approval. 

I have received numerous promos from various banks and financial institutions. All inform me of this nonsense. I consider it to be harassment to make offers ; waste my time ; and build up hope just to be denied. They will not stop sending this so called opportunities ( offers of deception ). 

Stop them from contacting me or follow through with their offers. 

XXXX XXXX XXXX