davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (AL)

I am a student loan borrower who has been working toward Public Service Loan Forgiveness since I started repayment in XXXX. I have always had qualifying Direct Loans, and have submitted many XXXX XXXX Forms over the years. 

I submitted what should have been my final PSLF forgiveness application on XX/XX/XXXX. On XX/XX/XXXX, I received an automatically generated qualifying payment update but my count of qualifying payments did not increase at all. I still have XXXX out of XXXX qualifying payments even though XXXX more should have been added with my application. I called and spoke with a PSLF counselor at the end of XXXX, and she said not to fear as my XXXX application hadnt been reviewed yet. 

I called back on XX/XX/XXXX and spoke with XXXX. She said it was odd there was no movement on my application for PSLF forgiveness, so she initiated a priority review request for me. I called back today on XX/XX/XXXX and spoke with XXXX. She said the reason for the review was that somebody erroneously processed my application and declared that I did not have qualifying Direct loans, but she said I obviously do have the correct loans. 

I have now been on hold for over an hour to speak to a PSLF counselor about the error. I dont know what to do, Im so frustrated. I have followed the rules and regulations for the program but somebody didnt know how to process my application correctly. Please help!
Consumer complaint received 2022-01-21
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. (MD)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2017-12-31
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. (CA)

I have been attempting to work with XXXX XXXXl regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to XXXX XXXX over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.
Consumer complaint received 2017-12-31
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. (CA)

I have been attempting to work with XXXX XXXX regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to XXXX XXXX over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.
Consumer complaint received 2022-05-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (IA)

I recently received whats considered a payday loan from MINTO Money of about {$2500.00}. I spoke with someone from the XXXX XXXX XXXX XXXX about the loan because they are charging me over 500 % interest and by the end of the loan I will end up paying over $ XXXX. I was in dire need of the money and they were my only option. The guy I spoke to from XXXX told me they are not even licensed in the state. From what I can tell, it is also illegal to charge over 337 % for a payday loan in Iowa. What are my options? I have no problem paying the principal balance of what I borrowed but I can not afford over {$500.00} every 2 weeks and I want to figure something out before they send it to collections. I have sent a couple of emails to them with no avail.
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I made 10 payments in money gram to XXXX XXXX account and 4 of them are missing. I already talked with money gram and the XXXX XXXX  office and they said they can do anything. 

I have my receipt and I'm going to list here. 

XX/XX/XXXX XXXX Reference number : XXXX Amount : {$280.00} Store : XXXX XXXX XXXX # XXXX phone number : XXXX XX/XX/XXXX XXXX Reference number : XXXX Amount : {$280.00} Store : XXXX XXXX XXXX # XXXX phone number : XXXX XX/XX/XXXX XXXX Reference number : XXXX Amount : {$280.00} Store : XXXX XXXX XXXX # XXXX phone number : XXXX XX/XX/XXXX XXXX Reference number : XXXX Amount : {$280.00} Store : XXXX XXXX XXXX # XXXX phone number : XXXX All payment were made through Money Gram. They said the payments were made but the dates that they provided me are incongruous. 

The said that the payment on XXXX was paid the next day, the payment on XXXX was paid on XX/XX/XXXX, the payment on XXXX was paid on XX/XX/XXXX and the last payment was paid on XX/XX/XXXX. I asked why the dates are incongruous and he customer service person said that he doesn't know and that is what the system said. 

I asked were is my money then and they said that they made payments and they can do anything about it. I asked for a transaction number to talk with the XXXX XXXX office and they said they can provide this information. 

My refund from IRS was taken by them because I didn't pay. I have all my payments receipt.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (LA)

Someone or some entity has opened an account under fraud and I am a victim of identity theft using the name XXXX XXXX which is a public transmitting utility name as per the territorial/ municipal government incorporated.They have committed copyright infringement along with trademark fraud on my signature/name. Enclosed is my fee schedule and
Consumer complaint received 2022-05-26
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. (NY)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand that the following accounts be verified or removed immediately : 1. This Account WAS NOT Authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected consumer Right to privacy and confidentiality under 15 USC 1681. 


Account : XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX OPENED : XXXX XXXX {$210.00} Account : XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX OPENED : XX/XX/XXXX {$300.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX {$740.00} 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.
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I have been working with Coinbase to restore access to my account, I need to obtain a w9 for tax purposes. My phone number has changed and the account has been locked. I have completed their verification processes and have been following directions and cooperating since XXXX. Still do not have access, I have uploaded numerous selfies with dates and ID, created a duplicate account ; however, when I call and ask to speak to a Manager they do not provide one. I still do not have access to my money or the W9.
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NJ)

I had noticed unauthorized transactions on my accounts for the dates XX/XX/22, XX/XX/22 and XX/XX/22 for an amount totalling {$2600.00}. I had contacted Wells Fargo yo dispute the claims and was notified that they had launched an investigation. After 10 business days without an update I contacted them back and they said that I had authorized the payments and would not be eligible for a refund. The agent ( XXXX XXXX said they can do nothing now since the claim has been closed.
Consumer complaint received 2019-11-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MM Finance, LLC, Bellevue, NE Branch (IA)

I have a loan out threw ez money and they are threating me with court i live in iowa im low income they had someone serve me i owe XXXX i need to set up a payment plan check cashing i haven't received any phone calls to settle this debt or any mail i feel like there trying to scare me in to paying the amount i understand its owed to them but i can't afford much with one income and XXXX kids XXXX XXXX
Consumer complaint received 2022-05-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (VA)

XXXX XXXX, Ocwen Loan Servicing LLC appears to fraudulently assign themselves the 2nd mortgage loan to themselves using their power of attorney using the person XXXX XXXX. The person working for Ocwen, XXXX XXXX, assigns Ocwen using their power of attorney. XXXXIf this is true, then Ocwen Loan Servicing LLC, " the servicer '', went against their fiduciary duties as their role as power of attorney. 2. I have the original mortgage note that shows Ocwen assigning themselves the note. Upon paying off the loan, I received the mortgage documents including the mortgage note that showed all the transfers. There are probably other violations regarding this mortgage but it would appear that this alleged act is the most grave. 
I have attached the mortgage note, the allonges and deed of trust which are all signed by one person XXXX XXXX. XXXX XXXX, an employee of Ocwen, assigned the mortgage to Ocwen before they sold it on the secondary market.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I AM A VICTIM OF ID THEFT. THE LISTED INQUIRIES ARE A RESULT OF SOMEONE ATTEMPTING TO ACQUIRE MY INFORMATION TO OBTAIN GOODS OR SERVICES. PLEASE BLOCK THE LISTED INQUIRIES.
Consumer complaint received 2019-11-25
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/2018, my IDR was approved for $ XXXX monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to XXXX XXXX, they suggested i apply for forbearance to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX and XXXX to XXXX of next year. This should never have been done or needed to be done if XXXX had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that XXXX has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.
Consumer complaint received 2019-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

My bank account has been placed on old for alleged fraud. 
I tried to pay for my phone bill on the XX/XX/XXXX and my card was not going through. My initial thought was because I was low on money and I could not check my account balance through the citi bank app. Therefore, I called and asked why I could not access my information or why my card was not working ; and I was told, that my account was placed on hold for a fraudulent check that I deposited back in XX/XX/2019. 
Recently, someone re-deposited that same check though XXXX XXXX. I only bank with citi bank and have the documents necessary to prove this.
Consumer complaint received 2022-05-26
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)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2017-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANSUNION, XXXX, and XXXX is posting old information on my credit report. I have made several attempts to settle the matter and TRANSUNION, XXXX, and XXXX have ignored my notices. As of today, XXXX/XXXX/2017, i have several inaccuracies listed on my credit report and old information that should be removed according FAIR CREDIT REPORTING ACT and statue of limitations. My character is being damaged and the Credit reporting agencies is making it very difficult for me to obtain new credit.
Consumer complaint received 2017-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

See case # XXXX. This is a revised letter. In the letter I had got XXXX XXXX XXXX crossed with XXXX XXXX XXXX. The Correct department is the XXXX XXXX XXXX. The revised letter indicates this as zI sent the wrong version.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I originally had student loans throught Department of Education,  XXXX  ... in  XXXX  of   XXXX   I consolidated all of my federal loans through  XXXX . However on my credit report it is showing up as more than 120 days late but has a balance of {$0.00} and states that 100 % of the loan has been paid.
Consumer complaint received 2022-05-26
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)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-05-26
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 — Investigation took more than 30 days
Company: DISCOVER BANK (DC)

This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states, There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. Equifax, XXXX and XXXX are consumer reporting agencies and Im the Consumer. I have the right to make sure that the my private information isnt shared, which is backed by 15 USC 6801, which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 Section 604, Section 2 states that, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other reason : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the Consumer reporting agencies, Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( C ) states, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) states, 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. 15 U.S. Code 1681e states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of all reporting services.