davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

For past few months, all XXXX credit bureaus have been subtracting points and give no reason, other than a generic message for all. I get points deducted for a hard inquiry and then I get more points deducted because I have more inquiries than I did the previous month BECAUSE of that inquiry ... that makes no sense. I pay off loans, leases and CC balances and lose points. Points have just randomly been taken. My wife recently had XXXX points subtracted for 1 hard inquiry and she has new credit... that disgusting. Recently they took XXXX points from her for zero reason, shes an authorized user on 1 of my CC 's which has held a XXXX balance and XXXX points just taken out of nowhere. Stop funding the credit bureaus with our tax dollars, they're in bed with lenders and screwing people over.
Consumer complaint received 2023-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I have been attempting to have my loan forgiven under the PSLF waiver since XX/XX/XXXX. I have worked for the federal government and been paying my student loans for 20 years, but I was under the wrong repayment plan, so I should be covered by the waiver. However, because XXXX, my previous servicer, only supplied 3 years of payment information ( XXXX ) to XXXX originally ( XXXX is the servicer who I consolidated with so I was under a direct loan to be eligible for the waiver ), I have now become entangled in some forgotten web of reconsideration. The federal loan servicer contract was moved to Mohela. Prior to moving to Mohela, XXXX stated they only showed I had 39 payments because they only had payment history from XXXX from XXXX, but they could see that I began paying in XXXX, so they told me to request a reconsideration with the Department of Education ( which I did in XX/XX/XXXX ). I have requested a reconsideration but have not heard anything. I requested XXXX send me my loan history and they supplied payment information going back to XXXX so they had the information and just didn't supply it to XXXX ( I supplied to both the Department of Education and Mohela, but they need it directly from XXXX ). I have called Mohela several times since my loan was transferred and I keep being told that it is being processed. However, today, I asked to speak to a supervisor because my loan payment totals have not changed since the initial incorrect count so it does not appear that anyone is doing anything in the review. I waited for 2 hours to speak to a supervisor and when I did, XXXX the supervisor, told me that Mohelas contract does not apply to consideration of the waiver for pre-consolidation payments ( XXXX ). He told me that that Department of Education is the only one that can apply the waiver and that I had to call them. He provided me the Federal Student Aid Ombudsman Group number, XXXX. I then called them. The Ombudsman Group says Mohela is the only one that can apply the waiver, that they cant provide me any information about my request for reconsideration case # XXXX, and that they dont know why Mohela told me that because Mohela is responsible for considering pre-consolidation payments. At this point, no one is willing to review my full loan history and apply the waiver. Mohelas supervisor was adamant that their contract does not apply to any loan payments prior to my XXXX loan consolidation. Im seeking your assistance in having someone at Mohela review my file and apply the waiver to forgive my federal loans.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX ( Original Creditor : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-06
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: ACIMA CREDIT, LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

My fiance and I both applied for a card with Citibank and were denied due to the fact that some information could not be verified. We were both told that we would receive a letter in the mail within 10 business days stating the reason why we were declined. However, neither of us have ever received a letter stating the reason for the rejection. We called customer service numerous times and were told that a letter would be sent, but neither of ever received such letter. We recently moved to a new location and felt that it had something to do with the address previously being associated with a business. With this in mind, we sent a letter demanding that the reason for rejection be disclosed to us and also included a copy of our current drivers licenses as well as two bank statements with the current address and our names to prove that it was the correct address. We have yet to hear one word from Citibank.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (FL)

I have sent to Mr.Cooper numerous request for a payoff as well as request for information for other things that will help me resolve the loan and my servicer refuses to provide the information
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was diagnosed with XXXX XXXX in XX/XX/XXXX. After removing the XXXX, and months of determining what the best course of action was for my health, I decided to undergo XXXX. I started my treatment in early XX/XX/XXXX until XXXX ( XXXX I believe ) XXXX. 

I filed for state XXXX insurance. According to the CA XXXX website, via my account, I was informed I would receive my first payment {$2200.00} on early XXXX XXXX and second payment of {$1400.00} mid XX/XX/XXXX. 

I waited but never received my debit card in the mail. It was until around the first few days of XXXX that I saw a news segment on TV where people reported their unemployment and XXXX money had been stolen via fraud. Immediately I that is when I decided to look further and based on my research I was led to call Bank of America. 

It was at this moment that a bank rep informed me that was issued a card and that there were transactions posted. I denied all transactions and made a claim that I never received the card. Then I had to go back and forth with CA state XXXX department and Bank of America to determine who I needed to work with to get my money back. No one gave me an answer until it was determined that I needed to work with Bank of America. 

Fast forward until today, XXXX year later XX/XX/XXXX, I have not used a single penny of those funds and have been getting my claim denied by Bank of America. I have called plenty of times requesting funds to be issued due to personal hardships. I have filed a police report and sent it to them. I have send them documents proving my identification. A social security document and pay stubs to prove my identity. But to no avail. 

Their findings to dismiss my claim seem absurd. They state that the transactions and atm withdrawals are geographically near me. I've been fighting back requesting the footage and evidence of them determine that I made this transactions. They keep telling me that they are sending in a request but I have not received any of this. I do not know what else to do. Please I hope you are able to help resolve this issue. Much appreciated.
Consumer complaint received 2023-01-10
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. (TX)

I have reached out to Experian, XXXX and XXXX for over 2 years regarding XXXX accounts that are not mine reporting on my credit reports. They refuse to prove to me or show evidence that these accounts belong to me and they won't remove them although I have told them I have been a victim of identity theft 2xs in my life. I just want them to stop ruining my life and delete this false reporting from my credit reports. 

XXXX XXXX XXXX Last reported XX/XX/2022 {$1000.00} Open XXXX XXXX XXXX BANK XXXX A and XXXX XXXX Last reported XX/XX/2022 {$190.00} Open balance XXXX Original creditor
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (CT)

Applied for jet blue plus card. Called because checked status online and said denied. Was told that I wasn't actually denied yet, that needed to provide more information on XX/XX/XXXX. I indicated that I did not feel comfortable sending front and back of my social security card. Was given option of sending my 1040. I asked about blacking out social security number and was told it was fine. Sent it in, waited was still denied because 1040 was blacked out. I called several times and was given the option to send it in again with my husband and daughters socials blacked out and mine visible as they were not on the card. Called next day to confirm fax number and again confirmed blacking out their socials. Faxed the document with my full social visible. Requested several phone calls back, no one called me back. Spoke to one manager who said that they didn't receive fax but confirmed again that it would be ok with blackouts. Found out I'm denied AGAIN based on blackouts. Credit was approved almost instantaneous can't get through security and continuously lied too. Employees including managers give different stories and each says the last person was wrong. Filed with the XXXX XXXX XXXX, the office of the president finally calls me back. They promise to look into it. Take a few days, get back to me that they are sending me a letter regarding the XXXX  case ( still have not received it ) and were going to make it right by me. Promised to have the letter within XXXX hours as of Wednesday XX/XX/XXXX around XXXX. It is not Thursday XX/XX/XXXX, have not received said letter, have sent multiple messages, phone calls. No responses from anyone. Feel very goated into giving information that from the XXXX phone call I informed them I was not comfortable with.
Consumer complaint received 2023-08-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

I submitted two different letters to the experian credit bureau one on XX/XX/23 & the other on XX/XX/23. Both letters specifically requested a copy of my free credit report, full validation and a copy of the original page by page contracts of XXXX student loans with my full name, social security number & signatures on them. Both letters were sent certified with tracking numbers so I know they were received but I have not received nor heard anything from experian. I contacted XXXX years ago for the copy of the original contract but they refused stating since I was only the co-signer I would have to contact my ex for permission to access that information. The problem with XXXX response is that even if I wanted to I no longer have contact with my ex because she fled from Colorado to parts unknown in Texas and changed her number after I put out when she cheated on me.
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Remex, Inc. (MA)

XXXX XXXX XXXX collections account number XXXX isnt mine I am a victim of identity theft discount was fraudulently opened under my name. I have no knowledge of this account. I am asking them to provide proof of signature they have not been able to do so.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please remove These following inquires Immediately. I also request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Be removed as this is not my account and was open fraudulently. XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint against Experian, a consumer reporting agency, for inaccurately reporting damaging information related to my XXXX XXXX XXXX XXXX account. It has come to my attention that Experian is reporting alleged late payments on the account ending in XXXX with a 120-day late payment, without any prior 30, 60, or 90-day late payment history. 

Specifically, the inaccurate reporting states : " This account is listed with a 120-day late payment, without any prior 30, 60, 90-day late payment history. '' Reporting the account as 120 days late without any prior indication of 30, 60, or 90-day late payments is not only factually incorrect but also severely damaging to my creditworthiness and financial reputation. 

The Fair Credit Reporting Act ( FCRA ) explicitly mandates that consumer reporting agencies, such as Experian, must ensure the maximum possible accuracy of the information they report. The inaccuracies in reporting on my XXXX XXXX XXXX XXXX account not only violate the FCRA but also have significant adverse effects on my credit score and financial standing.
Consumer complaint received 2017-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

An account is listed on my Equifax Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Equifax has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX  . I have contact Equifax multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  XXXX   XXXX   XXXX  that this case was Settled on   XXXX   XXXX   XXXX  . A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on my credit report.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved 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 XXXX 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. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX {$640.00} XXXX XXXX {$4200.00}
Consumer complaint received 2023-03-06
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. (PA)

My credit score is XXXX. TransUnion lowered my fico score from XXXX to XXXX. 
TransUnion removed XXXX points was taken from my FICO score. 

It's doesn't make logical sense to be Debt free, maintain a credit score over XXXX & have my fico score lowered for NO LEGAL reasons. 

TransUnion needs to be investigated for discrimination against me! I'm a XXXX veteran, XXXX XXXX woman. I pay off all my credit cards monthly. I'm financially responsible. 
There NO LEGAL justification for TransUnion to lower my FICO score XXXX points. My credit score is XXXX
Consumer complaint received 2017-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

I had a medical bill that was turned over to Medical Data Systems for collection. I paid the debt, but they are refusing to notify the credit bureaus of the XXXX balance. They told me they would mail me a XXXX balance letter, and it was my responsibility to notify them. If they zing your credit when they receive the account, should n't they be required to notify the bureaus when the debt is paid?
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

Me. XXXXoper mortgage company has failed to pay my property taxes. I have called me copper 4 times and they had the wrong parcel number. I have provided emails with copies of my tax statement and they still have failed to pay my property taxes. 

I have received a delinquent tax form from my city. Mr cooper said they paid the taxes but could not prove payment and provided the wrong tax amount. 

Mr cooper then told me that the county was responsible for paying the late fees and that I would have to dispute the late fees with my county. 

I then was transferred to the compliant department on XXXX and hung up on while on hold twice. 

Mr cooper is now saying the taxes will be paid 3 months late and I will have to dispute the late fees.
Consumer complaint received 2023-06-15
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. (AZ)

I never received a letter in the mail in 7 business days as Transunion said. This has also not been removed from my credit report. I am requesting that this dispute be reopened.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to fix this inaccurate information for ONE YEAR and still report wrong. I last sent a dispute on XXXX and nothing was verified or updated. I didnt receive any information from them about my dispute status or how this information is actually accurate. My XXXX  's name is the same as mine and this credit file has merged. Please help me get these consumer reporting agencies to fix this FALSE information on my credit. I can't even get them to respond within the 30 days.