davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

The debt collector has still failed to send me a notice in writing. Previous complaints and request for information they have refused to address this. I would like to know why a notice was never mailed and if it was to what address and when?
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

When I investigated my credit report, I realized that some of the information were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

My loan Federal loan was transferred from Sallie Mae to Navient in XX/XX/XXXX of XXXX. I applied for federal consolidation in XXXX in order to begin my 120 qualified payments towards my Public Service Loan Forgiveness. Navient mishandled my loan and placed me on a graduated payment plan which was not applicable to the PSLF,  however I was assured that I was on a qualified payment plan. I was paying between $ XXXX {$560.00} a month which was not less than what I would have been paying on income driven repayment. I was told that I was on a qualified plan and after heading out of a temporary forbearance in XXXX, I paid on time payments from then until my loan was transitioned without my prompting from Navient directly to the PSLF  program on XX/XX/XXXX. Now I'm told that by the PSLF supervisor ( Employee XXXX ) that I only have 8 qualified payments. This doesn't make sense because he also stated that Navient has had me on income driven repayment since XX/XX/XXXX which would mean I have far more than 8 qualified payments outside of Navients mishandling of my loan. At this juncture, I should have at minimum 98 qualified payments on my account as of XX/XX/XXXX. In addition to this, Navient reported a default to my loan in XXXX that never occurred. This had a negative impact on my credit report and prevented me not only from borrowing but also from earning competitive interest rates on financial products.
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. (NY)

In accordance with the fair credit reporting Act XXXX  account # XXXX XXXX XXXX collection has violated my rights.This account is inaccurate and needs to be deleted off my credit report. The last active XX/XX/XXXX date does not match last reported date XX/XX/XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. The last active date XX/XX/XXXX does not match last reporting date XX/XX/XXXX. A collection account can not report as open account. 

XXXX Account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date of last payment XX/XX/XXXX is 3 months different than date of last active date on account XXXX SHOWS WRONG ACCOUNT NUMBER XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. It shows no monthly payment no past due balance no date of last payment. 

XXXX XXXX account # XXXX has violated my rights.This account is inaccurate and needs to be deleted. The account number is inaccurate on report # XXXX shows no past due amount. 

XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. No date of last payment or past due reported. 

XXXX XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date has no last payment or past due. 

The following addresses are inaccurate and need to be deleted from my credit report XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following inquiries has violated my rights and are inaccurate. Needs to be deleted from credit report : 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 a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OR)

On XX/XX/2021 I paid off my mortgage, on XX/XX/2021 my bill pay accidentally sent another payment to my loan at citizens one bank. Realizing my error on or about XX/XX/2021 I contacted Citizens One and requested the overpayment. Citizens One said they would send another check on XX/XX/2021. Today on XX/XX/2021 Citizens One says they now need to mail me a form to request the monies owed to me.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (NC)

In XX/XX/XXXX, my Mother noticed there were deposits coming into her checking account via XXXX. These deposits were from companies that my Mother has never had any type of relationship with. 

We spoke with XXXX XXXX at the XXXX XXXX. He suggested that we reach out to the three companies that made the erroneous deposits. These companies were SC XXXX XXXX, XXXX XXXX XXXX XXXX SC and XXXX XXXX. No one at these companies was willing to assist me as I could not supply an account number for them to reference. 

We went back to XXXX XXXX who said all he could do was request the ACH deposits be returned. 12 of the original 15 were reversed on XX/XX/XXXX. Before the returns were processed, a fourth company began depositing by XXXX. More deposits from various companies continued to be made, totaling over {$30000.00}, through XX/XX/XXXX. 

We opened a new checking account on XX/XX/XXXX. It took several months to transfer all direct deposits and automatic drafts for bills to the new account. During this time, numerous deposits continued, as mentioned above. 

In XXXX, I came into the XXXX XXXX and met with XXXX XXXX, with whom we had continued to communicate. We transferred {$3900.00} which was rightfully my Mother 's, into the new account on XX/XX/XXXX, leaving over {$10000.00} in the old account. 

During that visit, XXXX and I compiled a list of the deposits that should be returned in order to close the old account. After months of worry and believing the bank would do their due diligence, we moved on. 

In XXXX, I received a call from XXXX XXXX. He stated that the bank had exhausted all avenues in returning the remaining funds but there was still {$8700.00} remaining in the old account. We could take a check or the bank would retain the funds. We took a check. 

On Monday, XX/XX/XXXX, there were XXXX separate transactions from XXXX XXXX, totaling {$9400.00}, which were debited from my Mother 's new account via XXXX, with no authorization from either my Mother or myself. These amounts were some of the deposits that the bank should have returned in XX/XX/XXXX. We believed, in good faith, that " all attempts had been exhausted ''. 

A fraud claim was filed for each of the 24 transactions on Wednesday, XX/XX/XXXX, as soon as we were notified that a check my Mother had written was going to be returned and we learned of the unauthorized debits. The old checking account has nothing to do with the new checking account and is not linked in any way.
Consumer complaint received 2023-05-13
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the XXXX and TransUnion credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2019 I XXXX XXXX sent a letter to this credit agency to update and correct the information on my credit report. It is now XX/XX/2019 and I have yet to receive a response.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. This is not mine. XXXX am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2019-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TN)

I have a debt with a collection agency for almost 2500.00. I broke a lease 3 years ago I went to court and no one showed up from the apartments I moved out of so the court dropped the case. I tried to get an apartment now and Im getting denied because this is on my credit so I have called the company that owns the debt and they refuse to send information on the debt I also agreed to set up a payment plan but they refuse to send proof in writing that I have set up a payment plan. I have since emailed them multiple times trying to settle the debt and they will not respond to my emails.They also informed me over the phone that the balance goes up each day that its not paid. The company is a collection agency Hunter-Warfield
Consumer complaint received 2022-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-12-23
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: Experian Information Solutions Inc. (NJ)

Despite two written requests and a fraud alert placed on my reports with XXXX and Experian, fraudulent unverified items still remain on my credit report in violation of Federal Law. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they have verified that these items are being reported correctly. I've contacted the creditor and the 2 credit bureaus with no success with getting. XXXX, XXXX and XXXX XXXX are still being reported but have yet to provide me with PROPER documents validating my ownership of these account.They have NOT provided me a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Iam just receiving validation of an existing debt. It does not prove ownership! These account are not mine but continue to be reported on my credit reports. I was told by a fraud rep at XXXX that she could not provide me with any information received by the creditor used to validate or verify this account. It is hurting my credit and a consumer i know my rights and i feel they are being violated.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2019-12-23
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. (GA)

I have identified events involving me as a victim of ID Theft. Someone has systematically used my information to secure credit cards and purchase cars, additionally repeatedly file bankruptcy in my name as a means to discard the debt and direct the attention back to me as the part responsibility. I have provided the credit bureaus with police report and an outline of my details and they have yet responded to my complaint and seek in any real way to fix or even investigate the problem. 

Your help is need to correct this matter.
Consumer complaint received 2022-11-12
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. (TX)

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 2022-10-03
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: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX XXXX XXXX is not following the Coronavirus Cares Act to remove or not report late payment. I was late XX/XX/XXXX due to Covid- 19 pandemic. under code 15 USC 1681S-2 ( A ) 1 ( F ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. )
Consumer complaint received 2019-12-23
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: Experian Information Solutions Inc. (FL)

I sent in dispute letters asking for detailed proof with my original signature showing that the account belonged to me and received a response from the credit bureau that the information was verified. The creditor didnt reply with the proper information showing my original signature. Therefore this is against FCRA and the accounts should be deleted immediately due to the fact that the creditors didnt reply with proper information. Ive sent in several letters asking the same exact things and now Im frustrated because they are not providing proper documentation. I wrote XXXX XXXX, and Experian and the accounts care back verified with no proof of original signature. I do understand that this is illegal and Im at the point where I would like to file a lawsuit due to the fact that no one is properly investigated the items being reported.
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CO)

Since XX/XX/XXXX ( XXXX ), I have been applying to be on the REPAYE/SAVE program, both through MOHELA 's XXXX and through the Federal Student Aid application, in order to pursue PSLF. Nevertheless, my multiple applications had been rejected or cancelled since then. I recently talked with a MOHELA representative on XX/XX/XXXX, who stated that it was due to errors with social security number not populating ( on my end, all demographic information was auto populated when completing those applications and there was no missing information ) and that my tax information was not uploaded ( when XXXX was, in fact, able to pull my XXXX tax information to calculate my payment ). 

Without my consent, and while my XXXX of many XXXX applications was still processing, I was put on the Level repayment plan and was expected to start making payments that far exceeded what I would be expected to pay on XXXX, given my XXXX. I called MOHELA and sent a letter on XX/XX/XXXX specifically requesting to be put on administrative forbearance while my application was processing. This forbearance was approved up until XX/XX/XXXX. My most recent application from early XXXX was finally processed and approved over the XXXX holiday. However, I noticed the plan does not go into effect until XXXX, so I am expected to make payments on the level plan to which MOHELA defaulted me despite my numerous attempts at trying to get on an XXXX plan that was affordable. I started trying to apply for REPAYE/SAVE prior to the XXXX payment restart so that I would not be in a situation like this. 

The amount that I am expected to pay for the Level repayment plan drastically exceeds what I am expected to pay on the XXXX plan ( {$0.00} ), given my XXXX. It does not make sense to me why it would take over a month to reflect the change to an IDR payment plan, given that it is already approved. MOHELA should either allow me to start the XXXX plan for this upcoming month of XXXX to begin my repayment process or allow my administrative forbearance be extended during the time period, given that they apparently still need more time to process this IDR application. 

It has taken MOHELA months to process my IDR requests and they have explicitly lied about reasons as to why my applications were cancelled or denied ( which I was able to check on through my portal in Federal Student Aid ). I have spent far too much time try to resolve the countless errors that MOHELA has made and all I would like is to pay the correct payment amount for the plan that I requested months ago.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong 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 2023-06-27
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. (TX)

This is my follow-up 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX