davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I have consolidated my student loans with Mohela based on the directions to qualify for the Public Service Loan Forgiveness program. I submitted my paperwork on XX/XX/XXXX and did not hear from the company until today, XX/XX/XXXX. I have documents showing that I have made enough of the qualifying eligible payments but the letter states I only have XXXX payments to count. I have tried calling on several dates and have been on hold for over two hours. Today, XX/XX/XXXX, I tried to click ANY option to speak with a representative and the voice recording states they can not take my call because the high call volume. They direct me to their website. I have logged in to their website and messaged them with questions on XXXX dates. The dates are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have not gotten a response from the company for any of the messages. 
I am not able to get any information on how to better submit documents for my verification of my previous payments and I am very concerned that Mohela is dragging their feet and lacking in customer service in order to keep my loans. This company has been granted the PRIVILEGE of holding ALL student loans for PSLF individuals. They are becoming the XXXX barons of the 21st Century and should be held accountable.
Consumer complaint received 2022-01-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

This has been going on with Experian, XXXX, and XXXX for years. At first I disputed the mark on my credit because it had been on there for over the years. The age view notified the creditor and the creditor simply changed the date on the credit. On multiple occasions I have asked XXXX, XXXX and Experian, to please conduct a proper investigation and have the creditor provide proof of said loan with documents showing the terms of the loan and must include my signature. They have not been unable to provide this documentation as it does not exist, but they have yet to remove it from my credit. I have disputed this account multiple times all with different reasons why this is not my loan and the Credit reporting companies do not find any proper documentation proving anything but still don't remove this. I spoke with an agent at XXXX once over there phone, and they said that since the creditor is a member to XXXX they do not investigate and take their word for it. I thought the FCRA was made to prevent situations like this. If damaging someone's credit report, simply because you have the capital to be a member, is permissible by the FTC CFPB and therefore our government, then things are a lot worse than imagined. FTC and CFPB are put in place to protect consumers like me from the frauds which these large corporations continually commit. Credit companies should not be allowed to have members as this is a conflict of interest and the proof is right before you
Consumer complaint received 2022-01-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This has been going on with XXXX, XXXX, and TransUnion for years. At first I disputed the mark on my credit because it had been on there for over the years. The age view notified the creditor and the creditor simply changed the date on the credit. On multiple occasions I have asked TransUnion, XXXX and XXXX, to please conduct a proper investigation and have the creditor provide proof of said loan with documents showing the terms of the loan and must include my signature. They have not been unable to provide this documentation as it does not exist, but they have yet to remove it from my credit. I have disputed this account multiple times all with different reasons why this is not my loan and the Credit reporting companies do not find any proper documentation proving anything but still don't remove this. I spoke with an agent at TransUnion once over there phone, and they said that since the creditor is a member to TransUnion they do not investigate and take their word for it. I thought the FCRA was made to prevent situations like this. If damaging someone's credit report, simply because you have the capital to be a member, is permissible by the FTC CFPB and therefore our government, then things are a lot worse than imagined. FTC and CFPB are put in place to protect consumers like me from the frauds which these large corporations continually commit. Credit companies should not be allowed to have members as this is a conflict of interest and the proof is right before you
Consumer complaint received 2022-01-25
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. (FL)

This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. 

XXXX XXXX XXXX Balance {$0.00} ;
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. 

XXXX XXXX XXXX Balance {$0.00} ;
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I submitted a previous complaint about this case with the number XXXX. I added a copy of the pdf down below. I got an answer as to why my PayPal account was banned just now. I feel like I need to explain further in detail as it still makes absolutely no sense to ban me for that without even a warning in the first place. 


First : Every transaction I had on there was legitimate. Let 's leave that out of the equation. So stop using preventing suspicious activity as an excuse. 
Second : I returned back to XXXX after finishing college at the end of the last year, but I still used PayPal from time to time for purchases and sending/receiving money to/from friends. And also, I will go back to the US in a few months for graduate school. I need this account to pay and receive money and I need the money that's frozen on there right now. Third : I don't understand why I can not use my PayPal to pay stuff while being temporarily outside of the US. Nothing 's changed besides my physical location. Most importantly, I got no warning prior to this ban as well and did not know that you can not even use your account outside the US. 

Please review this ban and give me a reasonable solution. Otherwise, I would dispute this nonsense over and over if I have to.
Consumer complaint received 2021-05-12
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. (GA)

I received an inquiry alert from Experian regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX card services @ XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.
Consumer complaint received 2022-01-25
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. (FL)

Evaluate this account : XXXX XXXX XXXX XXXX Balance {$570.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$570.00} balance indicating if it is a charge off account.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (CA)

I had taken out 3 loans with Ally lending. They sent me detailed communication on how to enroll the first loan account ( XXXX XXXX XXXX XXXX ), but I received no communication on how to enroll the other two accounts. I did not even receive the account numbers for the two accounts.

I started receiving text messages that my payment was overdue. None of the text messages mentioned on which account was my payment overdue. When I logged into their system, I could see only 1 account and the payments were being made on time. Which confused me. I started receiving more texts. 

I then had to call customer care on XX/XX/2021 to find out the other account details, enroll them and then pay the loans off. The account representative 's user name is XXXX. 

In summary, while I received detailed email instructions on how to setup payment for the first account, I did not receive any communication for the other two accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-01-25
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: EQUIFAX, INC. (FL)

Evaluate this account : XXXX XXXX XXXX XXXXXXXX Balance {$570.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$570.00} balance indicating if it is a charge off account.
Consumer complaint received 2021-05-13
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)

I have sent out Multiple Letters to remove Fraudulent inquiries off of my credit report I have sent letters to both the creditors and Credit Buerros and these inquiries are fraudulent I then next contacted Transunion and XXXX  which I was violated my right under the FCRA by not helping me out denying me to even be transformed telling me that they can't do anything else wouldn't transfer me over to a manager or fraud department I was working with people that couldn't help me then I got transferred and my account was locked or Transunion but the funny thing is that I was just talking to the dispute department and she got angry when I asked to transferred and locked my account then when I asked to speak to a manager he was able to view it. Then He told me that they will send a letter even though I have sent multiple letters and I did it in a 30-day time frame so and they never answered me so now they must be taken off but still haven't taken them off. XXXX I have had multiple fraudulent inquiries and when I call them they have said almost the same thing but they had an update to their system so they couldn't update help which also violated me under the FCRA and I have been locked of my account for months and every time I call they can't seem to fix and say someone will call but no one has ever called so now it is time for them to take these inquiries off for never helping me get them off and they are fraudulent I have written multiple letters to them no reply. I have filed police reports and done everything they have asked me. XXXX  has also never given me a report of my file and has violated that act in the FCRA. Both of them have not let me dispute inaccurate info. XXXX  has also not given me a security freeze.
Consumer complaint received 2021-05-12
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. (FL)

XXXX and Equifax refuses to block fraudulent accounts from my credit file. Ive sent multiple request via us mail. This is my 3rd CFPB complaint. They keep asking for more time. Ive been a victim of identity theft and need these items blocked per fcra. Ive sent in ftc report. im told it isnt clear. Well i can read it clearly. I have NEVER DONE BUSINESS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OR Equifax or any of the following companies listed cant produce a signed agreement with my real legal signature!! 
PURSUANT TO SECTION 605B OF THE FCRA REPORTING ACT and send the required notifications to ALL FURNISHERS OF THIS INFORMATION!!!
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (CT)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of UNCONFIRMED information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please reinvestigate the whole information especially the account type, date opened, balance, comments, and payment history. This information seems to be misleading. This will need to be remove pronto. 

XXXX Original creditor XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$900.00} ;
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-01-25
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. (TX)

I am a victim of identity theft and have provided All three credit reporting agencies with copies of my identity, police report and FTC report. I have requested for a fraudulent account to be removed from my credit report. The attached Credit Reporting agency has not complied with my request.
Consumer complaint received 2022-10-24
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)

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

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 2022-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Hello, My name is XXXX XXXX and Im need to file a second complaint on Care Credit. Last XXXX, XXXX I reported to your agency that I was being charged late fees and interest charges on my account for payments that were made in advance of the monthly due date. Upon my complaint with your organization all of the fees were reversed and credited back to my account. However, this month they started charging my account late fees and interest charges again on my payment made in advance of the XXXX. XXXX due date for XX/XX/XXXX. Ive called several times and they refuse to reverse the charges again. They also have locked my access to my online account. This account is an 18 month 0 % interest account that Ive never made a late payment on. Please advise. 

Thank you! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Evaluate this account : XXXX XXXX XXXX  XXXX Balance {$570.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$570.00} balance indicating if it is a charge off account.
Consumer complaint received 2022-01-25
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: Velocity Portfolio Group (TX)

I submitted a POLICE report and theft affidavit to have items blocked per the FCRA 605 .All of the bureaus blocked the information. XXXX reinserted and upon calling I was told that the data furnisher submitted sufficient documentation for the items to remain. I don't see how they were able to submit any evidence to XXXX but transition and XXXX blocked the fraudulent items and didn't reinsert them. 
XXXX is violating the fcra.
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not been able to resolve an issue with a wrongful insert of derogatory information inserted into my credit profile. I have provided the credit reporting agency copies of my identity, police report for identity theft, Additionally, have requested method of verification. As of to date, I have not received any update. Except a generic letter stating verified as accurate.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

A payoff request was requested several times. The same amount was sent by fax and given by phone 2 weeks in a row. I was advised it was good for 30 days. I even called at the closing table on Thursday, XX/XX/2021 to confirm the amount. SPServicing was called to advise we are at the closing table are the figures correct to submit the payment. XX/XX/2021 the company called to say that they returned the check for the amount of {$150000.00} because it was allegedly short {$1500.00}. As of today no one can say where the checks are. The taxes were paid by my Title company.
Consumer complaint received 2022-01-25
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. (TX)

I submitted a POLICE report and theft affidavit to have items blocked per the FCRA 605 .All of the bureaus blocked the information. Experian reinserted and upon calling I was told that the data furnisher submitted sufficient documentation for the items to remain. I don't see how they were able to submit any evidence to EXPERIAN but XXXX and XXXX blocked the fraudulent items and didn't reinsert them. 
Experian is violating the fcra.
Consumer complaint received 2022-01-25
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: CREDIT ACCEPTANCE CORPORATION (AZ)

I reviewed a copy of my credit report and CREDIT ACCEPTANCE ran an unauthorized credit inquiry on me on XX/XX/2020, and XXXX XXXX. I contacted the company telling them I did not authorize the inquiry. I am a victim identity theft fraud ; I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Credit Reporting Act XXXX account # XXXX, has violated my rights. 

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 account without my written permission. 

Reporting a late payment on credit report. 
Account # XXXX was also being review cause of the changes to the account. XXXX XXXX agreed to a new term for my loan and I have to cover the month of XXXX first in order to do so. I attached files.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.