davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ASSOCIATED MORTGAGE BANKERS IN (WI)

According to my consumer report I pulled on XX/XX/2024 I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf. To date, I have not granted you or Associated Bank such authority.

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Associated Bank and the corresponding information is not listed on my consumer report. These accounts should be promptly updated as ON TIME.

Any information listed in my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation per FCRA laws. Please send me any information regarding my request and an updated consumer report showing that the above-mentioneddemands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 



Best regards, XXXX, XXXX Without Prejudice All Natural Inalienable Rights Reserved.
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

My federal student loans are being managed by Mohela. I submitted a form to them on XX/XX/22 for processing, and I needed this form for the purpose of public service loan forgiveness. On XX/XX/22, I received a message stating that the processing was delayed but I should get a response in 10 business days. As of XX/XX/22, two months after submitting the form, I have still heard nothing.

I called Mohela three separate times on XX/XX/22 to discuss this issue and to get additional info about my loans, but on each occasion I was informed that they can't take my call due to high volume. I tried to send them a secure message via their website but was unable to, because I just kept getting sent back to various links with irrelevant info. There are no other options for contacting them offered on their website. 

It is completely unacceptable that I am not able to get in touch with my loan servicer in any capacity. I have questions that need to be answered and it's literally impossible. This is a serious issue and I hope that people are providing adequate oversight for Mohela because their behavior should not be tolerated.
Consumer complaint received 2022-03-25
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. (TX)

I sent over a letter to have hard inquiries deleted from my credit reports along with a copy of a police report but my hard inquiries have yet to be deleted. I am sending this complaint because the negative information needs to come off my credit reports immediately
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

XX/XX/year> : I followed up writing " Hello, I wanted to inquire on the details why I was denied for Navient AG Multi-State Settlement, where I qualified for every criteria of being discharged.

I also fell into a period of time where I did not meet payments XXXX  months straight and fell into bankruptcy at one point. I just want to get a detailed clarification as to why. Thank you '' Their response was merely I was not qualified. There have been many recent CFPB complaints very similar to mine in regards to this predatory loan servicer. There have been many people who have been sent applications inquiring about a school misconduct discharge for private student loans, and I would like to be included in this as the school I've attended ( XXXX XXXXXXXX XXXX XXXXXXXX ) fall exactly within the perimeters of discharge. Thank you kindly for your time
Consumer complaint received 2015-08-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

We refinanced our home mortgage about three years ago ; because we were cash-poor at the time, we acquired an FHA mortgage that was later sold to Wells-Fargo. At the time, a MIP payment of about {$200.00} a month was attached. I got that -- we did not have the money needed so we were considered high-risk. Three years later, our balance is around {$190000.00} but our home value is over {$300000.00}. Am I on the hook for MIP still, or is there some process I can follow to have the MIP lifted from the loan so that I could use that portion for a home equity loan payment? 
I just want to make better use of my money.
Consumer complaint received 2021-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

A worker 's compensation policy was cancelled on XX/XX/2021 with XXXX. XXXX charged our credit card without our authorization on XXXX, XXXX, and XXXX of 2021. We tried to solve the issue with the merchant and have called them multiple times to get a refund. Everytime, a XXXX Agent states that they are working on it, however, they do not follow through. We follow-up with them and they keep on transferring our call or stating that they are working on it, but it never happens. We also tried to dispute the charges with our credit card company, however, every customer agent that handles our case shares different information with us and treats it differently. On XX/XX/2021, we talked to our credit card company and they assured that our documentation would be reviewed as we provided a cancellation letter to them. Today ( XX/XX/2021 ), our credit card company stated that the time has lapsed for 2 cases and are going to resolve 1 in our favor. All of the 3 cases deal with the charges made in XXXX, XXXX, and XXXX. The letter proves that the 3 charges were made without authorization. The case ruled on our favor is XXXX so how come XXXX and XXXX are out of the time frame.
Consumer complaint received 2022-05-17
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. (CA)

In response to XXXX It has been over 30 days and XXXXXXXX XXXX XXXXXXXX XXXX has chosen not to take any steps towards addressing billing errors that are being reported at late payments from their company. My original complaint ( XXXX ) addresses the adverse action that XXXX XXXX had been taking against me. There are 3 inaccurate and false late payments furnished on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Pursuant to XXXX5 USC 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. XXXX was also required to adopt reasonable procedures to insure my periodic statement was delivered to me no later than 21 days before the payment due date because I know I never received one. If XXXX can not confirm when a statement was sent and I can confirm that I never received one then the basis on which the account was marked late is erroneous. 

I was just denied an extension of credit because of these inaccurately furnished late payments by your company. I have never been late on this account. These inaccurately furnished late payments are an invasion of my right to privacy and is causing me severe stress and XXXX
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-20
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. (OH)

There are two items on my credit that don't belong to me, i have tried to remove them and have gotten no where, this is stopping me from buying a home. 

the items below are what needs removed XXXX Opened XX/XX/XXXX for {$220.00} XXXX XXXX Opened XX/XX/XXXX {$170.00} these items no dont belong to me, they are fraud
Consumer complaint received 2022-05-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX  XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 2022-03-25
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ Account XXXX has violated my rights as follows 15 U.S.C. 1681, Section 602 A, states one has the right to privacy. 

15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish an account to one 's credit report without written instruction provided to them by said person. 

Further, the company providing the information to my credit report has failed to provide any credible proof that the account belongs to my person. I am requesting that this account be removed from my credit report. Thank you.
Consumer complaint received 2019-11-20
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 I've been charged {$920.00} and {$1500.00}. XXXX, respectfully, for two separate orders placed on XXXX for an XXXX and an XXXX  watch. Both of the orders have been picked up by me at XXXX  Retail store. Hovewer, I've decided to return them due completely within XXXX  30 Days Return policy. Two XXXX  return shipping labels have been created by XXXX   XXXX  and XXXX, respectfully, which proves that both packages have successfully arrived to XXXX  Facility in PA. And even though, the refund has been promised, it wasn't honored by XXXX  , so I've ended up disputing a charge through Chase Visa Portal with assigned case number XXXX. However, the charge has been billed back to my account.

I'm submitting the supporting documents, which proves that I've fulfilled the return via XXXX  policy but still it wasn't honored so I'm requesting a full refund to my Visa XXXX  account {$920.00} and {$1500.00}. XXXX, respectfully.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-03-25
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. (NV)

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( XXXX ). It is plainly stated that a failure to investigating these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
Consumer complaint received 2022-03-25
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. (NV)

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( XXXX ). It is plainly stated that a failure to investigating these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the Equifax data breach and may gotten into the hands of the wrong person
Consumer complaint received 2022-10-27
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. (NY)

I am being sued for a debt on a XXXX / XXXX XXXX credit card. it is being reporting on credit bureaus as XXXX account... XXXX and the balance as {$3.00}, XXXX ( XXXX XXXX, XXXX XXXX and XXXX XXXX dollars ) I requested documents to verify this information. for the past XXXX yrs neither XXXX XXXX or XXXX XXXX were able to prove this account belongs to me and refuse to remove this account from all three credit bureaus ( XXXX, Experian XXXX XXXX ). I requested from the credit bureaus to send me what information they have that this account is verify, and they have not. XX/XX/2022 I sent a letter to XXXX XXXX requesting information on this account and have not heard from them.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO (GA)

XXXX BANCO POPULAR XXXX XXXX XXXXXXXX XXXX XXXX id XXXX is reporting incorrect information to XXXX. it is reporting 149 days late from XX/XX/2021 to XXXX XXXX and it is over 300 days late. please close account and remove from my credit report., ... ... XXXX. XXXX ID : XXXX Is reporting inaccurate information on my XXXX credit report.from XXXX of 2021 to now they are reporting my account as 149 days late. I have submitted several disputes through cfpb but XXXX keeps verifying the account as accurate.This account is over 300 days late and should be closed. Please remove this inaccurate information from my XXXX credit reportXXXX/ BANCO POPULAR XXXX XXXX XXXX reporting inaccurate information. Please block and delete this account from my credit report. XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 249 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 291 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 321 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 354 days XXXX XXXX XX/XX/2021 is more than 149 days late, as of XXXX this account is more than 300 days late. Please block and delete this inaccurate information
Consumer complaint received 2022-03-25
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: Prosper Marketplace, Inc. (FL)

Fraud / Identity Theft XXXX Accounts opened fraudulently XXXX XXXX ( Personal unsecured Loans ) # XXXX. {$15000.00} Opened on XX/XX/2022 # XXXX. {$12000.00} Opened on XXXX XXXX XXXX XXXXXXXX ( fraud dept ) : spoke XXXX XXXX **** was emailed that inquiries and loans would be removed from my credit reports but to date is false **** requested ip addresses used to apply online and no response ***** told that loans were approved fully online and nobody physically reviewed the application nor verified the identity. 
**** perpetrator used a made up email address and no idea how they were able to obtain approval and funding **** perpetrator used a google voice phone number that is not mine XXXX # XXXX. Prosper Marketplace Opened XX/XX/2022 {$9000.00} *** received XXXX emails each asking me to provide time consuming paperwork and put an unreasonable time frame for them to receive or else they would validate the debt *** have not provided any information regarding how the loan was obtained, information provided, etc. 
**** called customer service multiple times and they were unable and did not have a number to the fraud department ***** to date. Co has refused to provide any documentation on information utilized to gain approval and funding XXXX XXXX # XXXX Security freeze Conf # XXXX
Consumer complaint received 2022-05-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 2022-05-17
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. (GA)

I was advised that there would be a soft pull promotional check on my report and I ended up with hard inquiries. 

XXXX XXXX XXXXXXXX XX/XX/XXXX. 
XXXXXXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-03-25
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)

Fraud / Identity Theft XXXX Accounts opened fraudulently XXXX XXXX ( Personal unsecured Loans ) # XXXX. {$15000.00} Opened on XX/XX/2022 # XXXX. {$12000.00} Opened on XXXX XXXX 2022 XXXX ( fraud dept ) : spoke XXXX XXXX **** was emailed that inquiries and loans would be removed from my credit reports but to date is false **** requested ip addresses used to apply online and no response ***** told that loans were approved fully online and nobody physically reviewed the application nor verified the identity. 
**** perpetrator used a made up email address and no idea how they were able to obtain approval and funding **** perpetrator used a google voice phone number that is not mine XXXX # XXXX. XXXX XXXX Opened XX/XX/2022 {$9000.00} *** received XXXX emails each asking me to provide time consuming paperwork and put an unreasonable time frame for them to receive or else they would validate the debt *** have not provided any information regarding how the loan was obtained, information provided, etc. 
**** called customer service multiple times and they were unable and did not have a number to the fraud department ***** to date. Co has refused to provide any documentation on information utilized to gain approval and funding XXXX XXXX # XXXX Security freeze Conf # XXXX