davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
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: Experian Information Solutions Inc. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I received in the mail today, XX/XX/2021, a credit card from Citizens Bank which I never applied for. The account is in my name. I have not called the company to activate the card, since I did not apply for it.
Consumer complaint received 2019-11-28
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. (CA)

I was denied from opening a credit card today XX/XX/19 and I was denied because there are several accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever allow anyone to open them in my name using my personal information. I am not sure who opened these accounts but I have already filed a police report. I do not have any written/verbal contracts with these companies nor did I ever make any purchases or payments towards any of these accounts. I did not benefit anything such as money, goods or services from any of these accounts.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plans late for purpose.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (IL)

i asked mr cooper if they could correct this problem and they told me they will look into it 4 weeks ago XXXX still havent heres problem Account info Account name NATIONSTAR/MR COOPER Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXX Account status Open Payment status Current, was past due 90 days Status updated XX/XX/XXXX Balance {$90000.00} Balance updated XX/XX/XXXX Original amount {$110000.00} Paid off 21 % Monthly payment {$1400.00} Past due amount - Terms 360 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX On time 30 days late 60 days late 90 days late Data unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account information disputed by consume im still trying my hardest to try and straighten this out can you help out
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Continental Finance Company, LLC (FL)

First incident was on XXXX I received in the mail a Surge Master Card from XXXXContinental Finance that I never applied for and immediately contacted the company and cancelled the card on that same day. Was a pain to get it cancelled and they would not provide a confirmation number of cancellation/closure but assured it was. They did give me the operator code who did this as XXXX. After that was done I filed a complaint to FTC Report number : XXXX and wanted them to be aware that this company is is allowing fraud to happen. Then I signed up for XXXX and I froze my credit with them, but didn't do the other XXXXwo as I wanted to monitor. As of today XX/XX/23 I got a second new credit card from the same company that I didn't apply for and of course during the holidays they were closed for me to call and cancel so I will try and call them ASAP Monday to do, so but either way someone is committing fraud big time with my information and it wasn't me and now I'm worried this will get worse and I can't afford to pay for credit screening services monthly for all three and I need this company to be made liable to allow this and remove / black list whatever needs to be done get my name off their records 100 % because now I don't trust that they are a legit company and have actually cancelled/ deleted me out of their system. I also think others are having the same issue I am with this company Continental Finance XXXX XXXX as it looks like they don't care period as case in point a new card was sent to me today and it wasn't me requesting it.
Consumer complaint received 2019-09-10
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: EQUIFAX, INC. (MS)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

In XX/XX/2023, Mohela informed me in writing that my student loans were forgiven under the PSLF program based on documentation I provided in XX/XX/2023. The letter was unequivocal in stating my loans were forgiven, my balance was XXXX, and no further payments were needed. A number of weeks after that my balance at the Dept. of Education became XXXX. At no point since XXXX have I been able to make payments on my loans. 

On XX/XX/2023, more than six months after receiving notification of the loan forgiveness, I received a form letter from Mohela stating they reviewed my recent paperwork and determined I am XXXX payments short of forgiveness. ( Mind you, the last paperwork I submitted to them was in XX/XX/2023, which gave rise to the XX/XX/2023 loan forgiveness. ) The form letter makes no mention of any errors. It ignores that the last XXXX months ever happened. In the meantime, based on Mohela 's representation that my loans were forgiven and the Dept. of Education 's XXXX balance, I recently changed jobs and am no longer employed by a qualifying-employer. 

When calling Mohela, they simply say a mistake was made. My payments do not qualify for PSLF. It appears interest has accrued while my balance was XXXX and payments could not be made. When I asked for assistance challenging their determination, customer support staff and supervisors claim there is no such mechanism exists. I was given a phone number that a supervisor represented was a Mohela number that turned out to be the Dept. of Education Ombudsman.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (CA)

An account was opened fraudulently in my name, using my personal information. I was traveling when the account was opened and used the same day, despite receiving another letter in the mail stating that due to my credit, they could not offer me the card. It appears as though the person was somehow able to nearly max out the card the same day that they applied for it. The amount is comprised of two purchases made online for {$2100.00} and {$900.00}. Neither of these purchases were made by me. 

I was made aware of this new card from my XXXX XXXX alerts I have set up. As soon as I was made aware of this fraudulent activity, I placed a fraud alert on my credit report for all agencies and froze my credit for all agencies. I also reached out to the credit card company that issued the card to make them aware that this card was opened fraudulently and have submitted a fraud report in writing to them.
Consumer complaint received 2021-12-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (TX)

In late XXXX, requested loan to be put onto COVID CARES Act forbearance effective XX/XX/2021 due to financial impact in our household. As we were going to and had listed to the home for sale. We get notified in early XXXX of the account being reported late. Assuming this was an error or a delay in COVID processing, we called, restated that we were impacted and that we had also sold the home. They requested us to email them, which we did on XX/XX/2021. 

They are refusing to update the account to properly provide this account via the CARES Act protections, as now our account is fully paid and they do not want to backdate the protections and then update our credit reporting properly, as required by law. 

Here is a copy of my email to them on XX/XX/2021 also documenting my call on XX/XX/2021, since there is no documentation of my call in XXXX with them. 

XXXX XXXX : XXXX XX/XX/2021 - file completion XXXX Hi, I am writing after my phone call on XX/XX/2021 regarding my account and the credit delinquencies that are showing on our ( borrower and co-borrower ) credit with all three reporting agencies. 

As discussed, I, XXXX XXXX, the primary Borrower became financially impacted due to XXXX. This lead to a decision to list and sale the house, which closed on XX/XX/2021. However, when I called previously in XXXX, to let you know I had been financially impacted by XXXX, I also stopped my autopay payments, as I understood my account would be set up effective either XX/XX/2021 or XX/XX/2021 on a COVID CARES Act forbearance. This allowed me to retain the funds to do small repairs, etc. to list and ultimately sale my house, while going through this pandemic impacting my financial resources. 

Come to find out, both myself and my co-signer, who is also my father, XXXX XXXX XXXX, have had a 30 day roll reported, which drove me to call in on XX/XX/2021. Therefore, as requested, I am emailing to request that my account be setup on CARES Act effective XX/XX/2021 to remove the credit delinquencies from our credit reports, especially since my home closed on XX/XX/2021, and to report our loan current for all months. 

Your firm has always been great to work with and I am sure this is just an incidental oversight, given the impact the COVID pandemic has had on our world and those like us, struggling to get beyond this pandemic, driving unprecedented volumes into your call centers. 

Thank you for all youve done to service my loan and thank you in advance for getting our credit back to current to reduce a new 7 year impact on our credit at time, when financial stress is already high. 

Please let us know if you have any additional questions.
Consumer complaint received 2019-09-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have contacted the company twice and four other times through the credit bureaus. The account is not minds and I didnt sign for the account. Each time I just get sent a bill not information proving the account is minds.
Consumer complaint received 2023-03-01
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. (FL)

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

XXXX allegedly transferred my student loan ( Account # XXXX ) to Aidvantage. A payment is due XX/XX/2022. However, Aidvantage has not contacted me in anyway. Aidvantage and XXXX refuse to submit a bill for the XX/XX/2022 payment. 

Therefore, since XXXX and Aidvantage can't get their act together. I hereby exercise my right to the Biden-Harris Administration Student Loan Pause through XX/XX/2022.
Consumer complaint received 2021-12-27
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. (FL)

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XX/XX/2021 and XX/XX/2021 but nothing has been done.
Consumer complaint received 2023-01-20
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. (OH)

A collection account was listed on a credit report I had obtained in XXXX of XXXX. The collection agency name is XXXX XXXX XXXX XXXX located in XXXX XXXX, Nevada. I sent a certified letter with return receipt to XXXX XXXX XXXX XXXX on XX/XX/XXXX which was received on XX/XX/XXXX asking for debt validation and the methods used to validate. 30-days passed, and I had not received a reply from XXXX XXXX XXXX I sent a second certified return receipt letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX which was received on XX/XX/XXXX notifying them that I did not receive a reply within 30-days and to remove the collection account from my credit report. I also sent a certified letter with return receipt to Experian Credit Company on XX/XX/XXXX which was received on XX/XX/XXXX requesting this collection account from XXXX XXXX be removed. I received a letter from Experian Credit on XX/XX/XXXX indicating the collection account for XXXX XXXX XXXX XXXX has been verified however no method of verification was provided. I obtained an updated credit report from Experian on XX/XX/XXXX to confirm their decision. 

An additional 30-days passed, and I did not receive a reply from XXXX XXXX XXXX I obtained a new credit report from Experian on XX/XX/XXXX which continued to show a collection account from XXXX XXXX XXXX XXXX XXXX I then sent a third certified letter with return receipt on XX/XX/XXXX to XXXX XXXX XXXX XXXX which was received on XX/XX/XXXX indicating Ive not heard a reply yet and requesting a final good faith attempt to validate the debt or remove it from my credit report. I also sent a second certified letter with return receipt to Experian Credit on XX/XX/XXXX which was received on XX/XX/XXXX explaining that XXXX XXXX XXXX XXXX has not replied to my request nor have they updated my credit file to remove the unvalidated item. 

On XX/XX/XXXX I received a dispute result letter from Experian Credit once again stating the debt is validated without a method of validation being provided. 

I will be sending a final certified letter with return receipt to Experian Credit today XX/XX/XXXX indicating they have been given sufficient time to provide accurate debt validation methods and reminding them that XXXX XXXX XXXX XXXX has not responded to my numerous attempts to communicate for greater than 90-days. I will be including this CFPB complaint number as well and request the account be removed from my credit file immediately.
Consumer complaint received 2021-12-27
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: EQUIFAX, 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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OH)

Prior to the pandemic, I owed over {$5000.00} on my student loans. I wanted to get rid of these loans, so made lump sum payments totaling between {$2000.00} or {$3000.00}. When I made these extra payments XXXX was my servicer. My balance was down to slightly more than {$2000.00}. 

During the pandemic, when payments were frozen, I received information that AidVantage was my new student loan provider. My account number with them is XXXX. When they took over my account, the balance owed was over {$5000.00}. I reached out to them multiple times via a chat service on their website and received no response. On multiple occasions, I have waited on hold for hours and talked to 3 or 4 different people dating back to last XXXX and have heard nothing back, despite them telling me each time I would hear back within a few weeks. 

Since the payment freeze was ended I have been making payments based upon the larger amount due. They have been charging me interest on the larger amount due. I would like the balance to reflect the accurate amount I owe ( slightly more than {$2000.00} ), and the interest charged to be adjusted based on the lower amount.