davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

XX/XX/2022 On XX/XX/2022, I received five letters from Mohela stating that they have counted the number of qualifying payments made during each period of qualifying employment. The letter credited me for only 49 payments. 

I contacted Mohela and spoke with XXXX, Mohela representative, and advised that this information was incorrect. I explained that I was applying for the limited PSLF waiver and under the limited PSLF waiver, my loans should be forgiven. I explained that I received a denial letter and that I should not have been denied under the limited PSLF waiver. 

XXXX put me on hold and spoke with her supervisor. After being on hold for quite some time, XXXX advised that Mohela had not received all of the history from the previous servicing provider. After questioning her about this and advising that I received notification from Mohela that the transfer was finalized, XXXX then advised that she didn't mean that the history of my loans were not transferred. She explained that Mohela was not yet finished giving credit for all of my previous employers. She advised that Mohela had not finished processing my limited PSLF waiver. XXXX concluded by saying that I would receive another letter that gives me credit for the applicable employment that qualifies under the waiver. 

I logged onto my account today ( XX/XX/XXXX ) to discover that Mohela updated my application status to " Processed. '' They also deleted a document that they determined to be a duplicate of what was already sent. Mohela and its representatives lied to me about the status of my application. I was told that they were still processing my application and crediting my qualifying payments under my previous employers. The status as reflected on my account and the letter that Mohela provided also conflicts with what I was told. 

Mohela was blatantly dishonest in their communication on the status of my application. Their dishonesty directly impacts my ability to be afforded forgiveness under the limited PSLF waiver. Their dishonesty not only impacts me, but any other student loan borrower who is trusting that the information that they receive from Mohela to be accurate. 

I have tried contacting Mohela to discuss my findings. However, Mohela has turned off the ability to reach any of the representatives. 

I would like my file reviewed again under the limited PSLF waiver and be given credit for my qualifying payments. 

I look forward to hearing from someone. 

XXXX
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

My student loan account with NAVIENT was automatically placed in forbearance many times over the years. I was on an income based repayment plan with a monthly payment of {$0.00}. NAVIENT continues to switch my account to forbearance so that they can collect interest on the principal. During the month of XXXX XXXX and XXXX 2021 they issued a forbearance on the Income Based Repayment plan and reported my account delinquent to the credit bureaus. The student loan is inaccurately being reported as 6 separate accounts, therefore there are 18 delinquencies on my credit report in this 3 month period. 
Furthermore, the account was never delinquent. It was on an income based repayment plan, and through deception was placed in forbearance. During the forbearance, the account is being reported 150days past due, 18 times. Therefore my credit score dropped XXXX points for 18 payments 150 days past due. 
Again, there was only 1 monthly payment and the amount was {$0.00}. Navient granted a forbearance during the affected period XXXX XXXX and XXXX 2021, yet still continues to report my account delinquent. I have contacted Navient and requested documentation to support their claim that I requested a forbearance and that I was told my account would be reported late. There has been no response in the past 3 months. I have disputed with all 3 credit bureaus and Navient continues to insist that the information being reported is accurate.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Experian, XXXX, and XXXX XXXX have all been intentionally collecting and giving out my private information of my private consumer credit without my consent which violates the California Consumer Privacy Act ( CCPA ). Much of this information has been negative and reported falsely, all of which is intentional. I have sent communication to Experian, XXXX, and XXXX XXXX in the past with no success as they did not remove the negative information which in turn restricted me from accessing my own consumer credit. These numerous reports have negatively affected my credit scores which inhibited/restricted me from moving freely and accessing my consumer credit. This describes adverse actions committed against me which also violates the Truth in Lending Act ( TILA ).
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The following company has recently caused me financial grief in the form of harrassment and falsified reporting of inaccurate and fraudulent information on my personal credit file. The company has submitted documentation imitating to be legal entities of the court, and has repeatedly violated multiple FDCPA guidelines.
Consumer complaint received 2022-01-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Hey, I was taking advantage due to malpractice while several laws were broken, under the FCRA under your company. This has cause me financial injuries and this has cause me definition of character. I can't get a job and I can't apply for credit. And I can't not get and SBA loan and due to the pandemic crisis, and your company has hurt me to Uptain credit.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MA)

Goldman Sachs Apple Credit Card & Apple Installment Sale : I received a {$10000.00} refund from XXXX XXXX University on XX/XX/XXXX. At the time of the refund, I had a {$4000.00} balance on my credit card from previous purchases. {$4000.00} of the refund was applied to my credit card balance. ( I am ok with this ) Separately, I also had two installment purchases from Apple, also through Goldman Sachs. Both installment sales were 12 month 0 % interest. The first installment sale was from XX/XX/XXXX ( XXXX XXXX ) and had a balance of {$420.00} remaining. The second was from a XX/XX/XXXX for a XXXX XXXX and had a balance of {$3200.00} remaining. 

I spoke with Goldman Sachs on XX/XX/XXXX and requested a full refund and cash return for the {$10000.00}. I was originally told I would receive it. 

On XX/XX/XXXX, I only received {$1700.00} credit reversal to may account. {$4000.00} was applied to my credit card ( I am not disputing this ) The remainder refund balance has been put on hold and will not be returned to me. I have spoke to Goldman Sachs on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I have been told that because I have two installment balances, the excess from my XXXX XXXX University refund will be held for the remainder of the life of the installment sales and will be applied against my installment balances monthly. I have been told that this is in the credit card agreement. 

regardless if this is in the agreement, this is an unfair business practice! My refund from XXXX University was absolutely unrelated to the installment sales of the both apple products. As well, I used my card to pay XXXX XXXX University. And then promptly paid off the balance on my card from that transaction. 

I was told 5 times by the Goldman Sachs reps, Supervisors and Manager that they have had several complaints about this practice. 

I am seeking a refund of {$3700.00} from Goldman, which represents my remainder balance from Goldman Sachs {$10000.00} refund and equals the balance of the XXXX and XXXX XXXX installment balances. 

the number to reach Goldman Sachs is XXXX
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX Account # XXXX This account was deleted form my credit file on XXXX XXXX do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair.
Consumer complaint received 2022-04-08
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)

THIS ACCOUNT IS A RESULT OF IDENTITY THEFT DUE TO AN XXXX CREDIT BREECH.THIS SPRINT ACCOUNT WAS DISPUTED AND REMOVED BY EXPERIAN ON XX/XX/2021 XXXX XXXX ( XXXX  ) FOR THE AMOUNT {$2100.00}. 

EXPERIAN HAS ONCE AGAIN PLACED THIS FRAUDULENT TRANSACTION ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX ) FOR {$2100.00}. 
Account number XXXX
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX continues to furnish an account on my credit profile that was previously deleted. Its not mine. And according to the FCRA a consumer has a right to privacy and nothing shall be furnished without my written consent. Also 18 USC 8 says all debts are the obligation of the United STATES. I did not consent to, authorize, nor benefit from this account. 

1. Capital One XXXX
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please refer to the closed case # XXXX on XX/XX/XXXX of XXXX as I would like to reopen this case based on many other cases that have been reported since then on news and even XXXX & XXXX company website to finally inform consumers of scammers threatening their consumers to pay their bills via XXXX or XXXX, they will shut down their power shortly. This is what happened to me on a Saturday morning and I was frauded by a company called on XX/XX/XXXX pretending to be XXXX  & XXXX and asking for payment before they shut down my services in XXXX minutes. They seemed to have information about my XXXX  & XXXX as I haven't been making payments for the past few months of shutdown due to hardship but haven't also received any mail notices. They asked me to make a transfer from my account at Bank Of America with a feature called XXXX which they can receive their payment so that they would stop shutting down my services. They took XXXX different payments of {$190.00}, and then another for {$490.00} as that was the full amount they were looking for and not the partial payment of {$190.00} I tried to pay first. They told me they will issue a refund on the {$190.00} they couldn't accept and needed full payment of {$490.00}. Once they collected the full amount, they said they have systems issues and have to wait till Monday XX/XX/XXXX to issue refund. I called them and all their voice messaging systems were excatly as XXXX   & XXXX and trusted that this was XXXX  & XXXX. But when I tried to call them on XX/XX/XXXX, I realized that there was something wrong as they wouldn't want to issue a refund. I checked back and found other XXXX numbers for XXXX & XXXX and they told me that they haven't received any payments and realized I was frauded. I called Bank of America to report this fraud transaction and they started the claim but they wouldn't issue a refund back to me stating that this was my responsiblity to transfer cash to this party. 

As now this is very clear based on many other complaints went through the exact same situation which I started learning about this please refer to this news on XXXX XXXX : XXXX : XXXX This guy describe the same situation I went through in XXXX of XXXX and when I contacted both XXXX & XXXX and Bank of America , they wouldn't take any responsibility to refund my money back. Bank of America should have caught these scammers back in XXXX as there have been many other XXXX & XXXX consumers going through the same situations and should refund my money back of the XXXX XXXX transactions of {$190.00} and {$490.00} which would be a total of {$690.00}. 

Thanks, XXXX
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX  This account was deleted form my credit file on XXXX XXXX do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair.
Consumer complaint received 2022-01-24
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. (VA)

I XXXX XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( XXXX, XXXX, EXPERIAN ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All of this accounts I have not validated or given these companies WRITTEN OR ORAL Consent to report anything negative about ME. I am demanding you to block and remove this information and accounts within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.
Consumer complaint received 2022-01-24
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 did not consent nor authorize any person or company to benefit from my credit. As a consumer I requested proof of claim for the account listed below and the company failed to answer my request. 

Account Name. Account number US Dept ED XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting 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. (GA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-30
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: Neon Newco Corporation (PA)

In XX/XX/XXXX, I received a XXXX  debit card in the mail from XXXX All-Access by XXXX for which I didn't apply. At that time, I called them to let them know that I did not apply for this card and they stated that it was a promotional, internet advertising, marketing card. 

In the meantime, I had been a victim of identity theft and had been working with a recovery XXXX. We called XXXX XXXX by XXXX together XXXX XX/XX/XXXX and spoke with XXXX. XXXX XXXX by XXXX wanted me to contact the FTC, file a police report and send a copy of said police report to them. Our conversation was disconnected before we could get an address where to send the police report. 

The XXXX XXXX and I called again on XX/XX/XXXX and asked for the address where to send the police report. They gave the telephone # for the FTC as the contact #. Also gave the email addresses of XXXX and XXXX to send the documents. 

In XX/XX/XXXX, I received a XXXX in the mail from XXXX. On the same day ( XX/XX/XXXX ) and with the same person above, XXXX at XXXX stated that the XXXX was a website advertisement, opted me out of future mailings and told me to cut up the card.
Consumer complaint received 2022-01-24
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 did not consent nor authorize any person nor company to benefit from my credit. The account listed below is a result of identity theft. 

Account name Account number XXXXXXXX XXXX XXXX XXXX  XXXX