davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I have been enrolled in the Income Driven Repayment Plan ( PAYE ) for quite some time now and recently received a letter from my loan servicer MOHELA to re-certify. I got the initial notice to re-certify XX/XX/XXXX, and so, I submitted a new application to go into the new IDR plan SAVE on XX/XX/XXXX. However, I received another letter from MOHELA on XX/XX/XXXX stating I am now under a STANDARD repayment plan ( LEVEL ). 

I called Mohela and was transferred several times before reaching a representative to assist me. I waited 2 hours on the call for the representative to " do research '' and get " back up '' for them to tell me they " don't know why '' I have been switched and that I have been in the LEVEL plan since XX/XX/XXXX. 

I called again 2 days later and was met with a similar service of holding for the representative 's supervisor 's help and was not able to get answers. I was told I have a IDR application pending, which is not a viable solution given the extensive monthly payment for the following month. 

It was quite frustrating spending so much time waiting on the line to not get answers. I am now left with a large monthly payment without answers despite my due diligence in keeping up with application deadlines and monthly payments.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the continuous reporting of a fraudulent account on my credit report by your bureau, despite XXXX 's compliance in removing it and validation of identity theft. This persistent reporting violates the Fair Credit Reporting Act. 
XXXX XXXX XXXX
Consumer complaint received 2022-12-17
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. (FL)

This is not a duplicate complaint and I'm representing myself by myself. I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent items from my report.
Consumer complaint received 2024-02-16
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. (OH)

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 XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number: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 2023-05-22
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: Park Hill Holdings (GA)

I applied for Bankruptcy and was granted XXXX  XXXX relief 2020. My entire rental history was added and discharged including XXXX XXXX XXXX. I sent proof of discharge to Safe rent solutions and they refuse to remove the derogatory items from my rental history which is causing me to be denied on my new rental applications. I have paid multiple application fees to keep getting denied to find out that its because this company is still reporting negative items.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (NJ)

On XX/XX/XXXX, I get email informing me that I had open a new credit card and was over the limit. I checked my credit report and it shows a new credit card with a balance over {$3000.00} I called AVANT LLC/ XXXX XXXXl and was informed that their fraud department will look into. I never applied nor any of the three credit agent report that I applied and my credit report was pulled to open this new credit card. On XX/XX/XXXX, I called XXXX credit report and their fraud department need a report from FTC and copy of my drivers licence. Why would not credit card company process an application without no securities checks????? My ID has been stolen. Please help. I would like proof from AVANT showing where this application was submitted and what securities measure was taking to give out this new credit card. I live in the same address for the past 10 years. My cell phone is XXXX and my email address is XXXX XXXX
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (IL)

department of education aka aidvantage was not given writtten or verbal consent to add 2 late payments on my credit report.not only that the 2 late payments time have lapsed which puts the creditor inaccuratley laving on my credit past the by the law 7years .acount was opened XX/XX/2017.
Consumer complaint received 2022-05-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (ID)

We purchased an automobile from XXXXXXXX XXXX XXXXXXXX XXXX, and financed the auto loan through Credit Acceptance Corporation. We purchased the extended warranty. After driving the vehicle only XXXX miles, the engine went out. A mechanic communicated with the warranty company on the needed repairs. The warranty company refused to authorize ( we later found out the warranty company is owned by Credit Acceptance ). We contacted Credit Acceptance to see what our options were. We could not afford to make XXXX  XXXX monthly payments AND pay a very costly engine repair bill, but if we didn't fix it, the vehicle was not driveable. We continued to make our monthly payments on time for months while this all dragged on, even while not being able to drive the vehicle in question. Credit Acceptance basically told us that we could either pay for the repairs or voluntarily give up the vehicle. They offered no other recourse or alternative solution. They told us to take it up with the car dealer, but by then, they had already closed and filed for bankruptcy. We ended up doing a voluntary reposession. We had to have the vehicle towed from the mechanic shop with the dissassembled engine in the back. They immediately turned around and resold the truck at auction for much less than fair market value. They then sued us. We got a lawyer, and the lawsuit was dismissed. We have disputed this on our credit report multiple times and they are unwilling to remove this from our report, which is affecting our ability to purchase a home. We had another loan with Credit Acceptance at the same time that was paid on time every month and eventually paid off. We attempted everything we could to resolve this and they refused to work with us, refused to honor their warranty, and the auto dealer went out of business and filed bankruptcy. So now, because we were unlucky enough to buy a lemon from an unscrupulous dealer with a loan from an unscrupulous lender, we can not buy a home. We spent thousands to pay an attorney to keep them from suing us, not to mention all the months we paid for the auto loan and insurance on a vehicle we could not drive.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CT)

So it seems maybe I entered my follow up complaint of this company incorrectly. This is a follow up complaint to my initial complaint. This third party debt collector Eastern Account Systems stated they received my validation request XX/XX/22. This was a lie that I have proof of which I will include again. They received my Debt Validation request XX/XX/22. In any event, I still have YET to receive any correspondence from this third party debt collector except for their response to me filing a claim with you the CFPB. According to the law, they need to respond to my request XXXX writing with ALL of the contents Ive requested pursuant to XXXX XXXX XXXX. This company DID NOT respond whatsoever to my request within the allotted 30 day time frame from XX/XX/22 ( in which I have proof they received it ) or the XX/XX/22 in which they claim. Pursuant to this law, my debt is INVALIDATED AND NEEDS TO BE REMOVED FROM MY CONSUMER REPORTS AS WELL I A SEEKING DAMAGE RELIEF. It may have seemed like a duplicate complaint, but it was actually addressing Eastern Account Systems response. Also, If they had any legal right to collect on this alleged debt, they would not have to seek any validating information from anyone else.
Consumer complaint received 2021-11-16
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. (NY)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2019-02-02
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: United Check Recovery Bureau, Inc. (TX)

I have made MULTIPLE DISPUTES WITH YOU ALL THROUGH XXXX  AND YOU ALL HAVE YET TO REMIVE THE ACCOUNT OF MY REPORT. I have contacted you all on several occasions advising you to send debt validation or remove item from my credit. This is hindering my score and the debt is not mines. If you all can not and will not provide the REQUESTED INFORMATION remove it from my report or I will now start to take further legal action for incorrect reporting as it is stopping me from what I have planned for my future. REMOVE THIS DEBT IF YOU DO NOT HAVE VALIDATION MEANING SIGNED PAPERS WITH MY SIGNATURE!!!!
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I sent a letter XX/XX/XXXX XXXX XXXX  to remove personal information that I don't want on my credit report. According to FCRA 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people. These are in clear violations of my federally protected consumer rights
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my XXXX XXXX : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$1600.00}
Consumer complaint received 2022-10-12
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -NAVY FCU XX/XX/XXXX -BK OF XXXX XX/XX/XXXX -CAPITALONE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX, XXXX. 
CREDITOR : XXXXXXXX XXXX XXXXXXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX, XXXX. 
CREDITOR : XXXXXXXX XXXX  XXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2024-02-16
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: MOHELA (IN)

Due to the XXXX XXXX XXXXXXXX XXXX this was closed and I also should be receiving some kind of compensation due to My taxes being taking before due to this fraudulent unauthorized agent Me or My Parents never signed for also I have tons of prove the account was closed but still negative on My consumer report for years I have dealt with this false and fraudulent account for over 20 plus years it's back open since XX/XX/2024 clearly Illegal Unacceptable and needs to be removed immediately from each and every Debt Collection Agencies and Third and Fourth Party Vendors and Companies and I also want to file a lawsuit for discrimination, identity theft, slander and predatory lending and also all fees and losses due to this Illegal matter I have sent in multiple complaints about this issue no help and it's public records XXXX XXXX XXXX XXXX is apart of the settlement and clearly and finally been busted and still I wasn't not notified by USPS mail, email or phone it's truly amazing how Corporations steal take and make false Unauthorized decisions for your financial well being XXXX has Breached My data also XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and the XXXX XXXXXXXX XXXX and illegal immigrants please remove immediately effective asap sign XXXX XXXX XXXX XX/XX/2024 I also would like help find legal services for id theft protection and filing a civil lawsuit against all partys involved
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

PNC bought out my bank about a month ago and I have not been able to on-line banking since then. I have call customer service and several times and even went into a branch. I have yet to get a person on the phone even after waiting over 30 min. and they could not help me at the branch. I need access to my money and they are making it extremely difficult.
Consumer complaint received 2019-07-27
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. (GA)

I am writing to explain the circumstances of my chapter XXXX bankruptcy filing..Since credit bureaus wont hear me out I don't know the reason why, but they failed to cooperate..My husband had been laid off from work 7 months previously, which meant our financial situation was precarious. Mine was the only income in the household. I was just barely keeping up with the usual bills after the loss of my husband 's income. This led to our bankruptcy filing. .Things have improved since then..I have received annual raises and my husband have a job now.. Our credit history since the bankruptcy is relatively limited but all of our bill payments since the bankruptcy discharge have been on time.. CFPB reconsider, take care of my concern and fix the following accounts XXXX XXXX XXXX XXXX -- this account is reported twice the other trade line is in good standing..Its really confusing. Take off the other account which is XXXX XXXX XXXX XXXX.. 
fix also XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX XXXX