davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (DC)

Issue XXXX : I am awaiting a refund i requested on XXXX XXXX from MOHELA for all student loan payments made since XX/XX/XXXX. That is 77 days ago as of today to give me back about XXXX in payments, which is unacceptable. 

Issue XXXX : I have been in federal service since XXXX and have 138 qualifying payments under PSLF, verified by XXXX, my prior servicer, in early XXXX, yet I am STILL awaiting final review for the limited waiver to add 19 more payments to my total. And of course Im still awaiting forgiveness of my loans. 

My loans should never have been transferred to MOHELA yet here we are. They were transferred in early XXXX despite XXXX telling me i had made more payments than needed for loan forgiveness and i should have been processed by the dept of ed for forgiveness. 

Now i sit and wait. Every time i call MOHELA it takes at least two hours to talk to a human about my status. Once i get that far theyre completely lacking in actual information about what is going on. That usually leads them to transfer me to a supervisor to wait for hours more on hold without ever getting someone who knows what is going on or that can help me. The fact that they continue to get paid by the federal govt to service loans that should have been forgiven in XXXX is unbelievable and a waste of taxpayer dollars. Properly staff the call center if you anticipate high call volumes. Be competent. This is XXXX, get it together. 

After 4 hours on the phone with MOHELA two weeks ago they finally informed me my loans were sent direct to discharge by them to dept of ed. as of XXXX XXXX. Can i even trust that this has happened? All i have is a verbal from them, no actual correspondence. How is this acceptable? 

When will i get my covid refund? When will the limited waiver be applied to add 19 more payments to my total? When will my loans be forgiven? When will i get my second refund for the 19 extra payments i made per the limited waiver rules? 

These folks owe myself and others competent and timely assistance. Im not seeing it so far.
Consumer complaint received 2020-04-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, On XX/XX/2020 I called XXXX 's and asked them if I applied for for multiple things would I get " 1 '' hard pull there customer service. 

On XX/XX/2020 I did what they told me to do and they gave me " 4 '' hard pulls on my credit. I called them up right away explaining why I did what I did as that is what there customer service told me to do. They are telling me each card get 's its own pull which is not what I was told day prior I was told 1 hard pull if done same time.

I can not have " 4 '' new hard pulls on my credit. I have no problem having the 1 hard pull as I was going by what XXXX 's customer service told me to do.
Consumer complaint received 2020-03-24
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: Experian Information Solutions Inc. (CA)

The INQUIRIES to date has NOT been proven COMPLIANTLY REPORTED such as to posses factually demonstrated document PHYSICALLY VERIFIED PROOF of adequate lawful PERMISSIBLE PURPOSE
Consumer complaint received 2020-04-02
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (NY)

To Whom It May Concern, On XX/XX/2020 I called Barclay 's and asked them if I applied for for multiple things would I get " 1 '' hard pull there customer service. 

On XX/XX/2020 I did what they told me to do and they gave me " 4 '' hard pulls on my credit. I called them up right away explaining why I did what I did as that is what there customer service told me to do. They are telling me each card get 's its own pull which is not what I was told day prior I was told 1 hard pull if done same time.

I can not have " 4 '' new hard pulls on my credit. I have no problem having the 1 hard pull as I was going by what Barclay 's customer service told me to do.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The INQUIRIES to date has NOT been proven COMPLIANTLY REPORTED such as to posses factually demonstrated document PHYSICALLY VERIFIED PROOF of adequate lawful PERMISSIBLE PURPOSE
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items from my report. 

XXXX XXXX XXXX XXXX {$170.00} XXXX   XXXX {$920.00}
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have ever encountered identity theft. I was informed when I pulled my credit to myself that there was a couple of bad items on my name. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

This debt is not mine and I have no idea what it is for. A letter was sent with the incorrect name. I tried calling the collections agency and they refused to give any information to me without first validating the debt which I refuse to do. I have no past-due accounts with XXXX XXXX XXXX or XXXX. This debt is not mine.
Consumer complaint received 2020-03-24
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. (NY)

I understand that this account with XXXX listed on the credit report needs to be reporting accurately and complete according to the FCRA. Since XXXX of XXXX, I have in back and forth correspondence with the 3 credit bureaus outlining the issues with this account reporting. This account information does NOT reflect accurately and in return, the FACT IN POINT is that this account is in violation of the law AFTER I expressed my concern and showed the error. I have a confirmation from the credit bureaus AND from XXXX ( SEC 1681 ) that they performed their investigation. After reviewing my newest credit reports, I can see the inconsistent information STILL affecting my credit. 

ISSUE # 1 : XXXX DELETED this account after I expressed the issue to them. HOW could they see the issue YET Experian and XXXX  NOT see the issue. There was NO actual investigation done! 

ISSUE # 2 HIGH BALANCE is incorrect. Experian is reporting {$3500.00} and XXXX  is reporting {$3500.00}. 

ISSUE # 3 : Date of first delinquency ... This is reporting inaccurately with XXXX of XXXX on Experian and XXXX of XXXX on XXXX. That's over 60 days.. How is this even possible if there was an actual investigation ISSUE : Experian or XXXX Intentionally REMOVED the positive reporting for XXXX and XXXX of XXXX. They are manipulating my score. This ND reporting for multiple months is misrepresenting my account history. And seems completely intentional to hurt my financial health I have included the images of the reports that were sent to my house. I am highlighting the errors still existing today. There was no investigation because the information is still violating the FCRA. I understand my rights and for me to keep mailing letters costs me money and time. Both if which I will seek compensation for if this is not fixed NOW.
Consumer complaint received 2020-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PREFERRED CREDIT INC (NC)

After contacting the company by email, phone and through the XXXX, the company replied with information to identify me that was incorrect. For example : my name was not spelled correct in there system and my address and phone number were not mine that they had. I spoke with a women by the name of XXXX as well and faxes over police reports and complaint filed with the FTC identity theft report. The company which goes by PCI preferred credit inc. has refused to delete this account from my credit report and has caused my credit score to decrease by over 124 points.
Consumer complaint received 2024-02-25
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. (CA)

XXXX XXXX XXXX is in direct violation of the Fair Credit Reporting Act [ 15 U.S.C 6802 ( a ) ] Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. ( b ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( c ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option, by reporting negative information without notification and consent of consumer. 

XXXX XXXX XXXX failed to inform Principal that it would be reporting principals personal non public information to a third party, and failed to get principals permissible purpose. 15 U.S.C 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. 
XXXX reported transactions and experiences to Experian without permissible purpose and or authorization from principal.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This a count was removed and now show back up under a different name this account was open due to fraud and needs to be removed again I never had an account with this Lender. Please remove the following account. 

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX  Account number XXXX Reason : Fraud account and was peroviously removed under the name XXXX. 

The account above was listed and removed from my report due to fraud under the following creditor name : XXXX Account XXXX XXXX Please remove and Prevent this from happening again please
Consumer complaint received 2020-04-02
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. (NV)

I have repeatedly attempted to dispute with Experian incorrect derogatory information reported by XXXX XXXX  services during 2017. Experian has done nothing to investigate other than pass my dispute on to XXXX and allow them to self-report as they wish. I actually mailed Experian a year 's worth of 2017 unredacted bank statements ( attached ) which clearly showed I made timely payments for the account in question. Experian merely forwarded my bank statements to XXXX and the account remained unchanged. Experian has assumed no duty to provide accurate information regarding this acccount despite my repeated efforts to have it resolved. XXXX continues to lie about the maintenance of my account. 

This started back in 2017 and I wrote XXXX ( see attached ). XXXX failed to ever respond. I am the victim of gross incompetence by XXXX and Experian has done nothing but serve as a pass-through for XXXX despite being presented evidence that XXXX is incorrect and unfair reporting.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

Back in XXXX, around XX/XX/, I got a notification from XXXX XXXX that there was a new collection reporting on my credit bureaus. So, when I went ahead to check XXXX XXXX it showed on both my XXXX  and XXXX  reports that there was one derogatory mark from a collection agency. After further research I discovered that XXXX XXXX XXXX, XXXX had put the collection amount for {$1000.00} onto my report and showed the original creditor 's name as XXXX XXXX XXXX XXXX. In addition, it also showed the first date of delinquency as XX/XX/2013. I have no recollection of ever obtaining a Payday loan in the year of XX/XX/2013 or earlier. This was a surprise to me and I knew that there was definitely a mistake. I reached out to the phone number that was provided for the collection agency. I was able to get in touch with a gentleman ; I don't recollect his name, who asked for my Social Security number but, I refused to give it, for security reasons. I provided my full name and Date of Birth and they were able to pull my information. I requested an explanation of what this debt was and where it was coming from. He simply stated that it was a Payday loan that I had taken in XX/XX/2013 and if I had a credit card and was ready to pay. I tried to obtain more information on who the original company was, which he refused and said that I could look it up on line and that this was the debt that I owed. I requested documents to be sent to me as proof that I owed this debt and to show my signature or information to support. He refused and got rude and demanded I pay right away. He hung up on me when I tried to get more information and explain that this was not my debt and I have no Idea of what it was ; what the Payday loan was.
Consumer complaint received 2020-04-02
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)

I filed an identity theft report ( attached ) on XX/XX/XXXX & Transunion responded with a letter dated XX/XX/XXXX ( attached ) stating '' In accordance with section 605B of the FCRA, we have determined that your request has either a ) been made in error b ) is a misrepresentation of material fact relevant to the request to block/ and or C ) you have obtained possession of goods, services or money as a result of the transaction issue.
Consumer complaint received 2022-11-05
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

Failure to post payments in a timely manner. 

All amounts owed were sent and received before the due date. 

The checks were received and cashed before the due date. 

The mortgage company, Shell Point / New Rez, sent me a fraudulent statement stating that they did not receive any payments. 

They also applied a late fee on their failure to .post the payments. 

And, they continued their fraud by telling the credit bureau, that I missed a payment when in fact, its their theft that caused me to be defrauded. 

Also, they caused the VA not to approve a refinance because of the missed payment.
Consumer complaint received 2022-12-28
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (DE)

Avante USA at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx. XXXX sent me a letter dated XX/XX/19 stating that a debt of {$950.00} was sold to a company named XXXX XXXX XXXX. Avante stated in their letter that I needed to respond to them within 30 days or the debt would be considered valid. I sent Avante a request for validation letter on XX/XX/19. They never responded. XXXX XXXX never sent me a letter or made contact by phone in order to collect on this debt either. Instead the same account ended up in the hands of a company named XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX. Avante USA changed the amount of the debt from XXXX to XXXX and continued trying to collect on the debt through the credit reporting agencies. In addition XXXX XXXX XXXX, who never made any contact with me, is also reporting the same debt of XXXX with the credit reporting agencies as well. They immediately contacted the credit reporting agencies and had the debt put on my credit reports without giving me the opportunity to request validation of the debt.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Good afternoon I have student loans that are service by the department of education. XXXX. Originally they did a garnish on my account in where they collect close to {$1500.00} if not more then while they were garnish my payroll I started making monthly payments of {$20.00} which was decrease to $ 5 monthly and it has been withdrawn every single XXXX of the month without delays or being late. The department of education continues to show collections activities with derogatory information which is damaging my credit and preventive me to qualify for a home which I am in so much in need for my children. I had tried to speak with them without resolving this matter. I dont think is fair. Yes I do have a student loan debt but it's being paid according upon agreement I do not believe it's fair continue this negative reporting when its incorrect and unacceptable.