davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IN)

On XX/XX/XXXX after receiving a denial of XXXX< I submitted a reconsideration request ( # XXXX ) for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX counts on my loans from XXXX in which time I was under my first XXXX  payment plan and made payments of {$58.00}. This was submitted to XXXX XXXX XXXX and at their recommendation. For some reason the loans are showing as forbearance, which I did not request. If I had requested a forbearance I would not have been making payments. These payments were made under my qualifying employer at the time, XXXX XXXX XXXX and I have already had all of my employment certified from XXXX XXXX XXXX I currently have 113 qualifying payments on XXXX  and the incorrect count or omission of these payments has caused me to miss out on XXXX  forgiveness. Nothing was ever done with this request and my loans were transferred to Mohela. On XX/XX/XXXX I filed a complaint with the Department of Education requesting information or action to resolve the outstanding issue, Case number # XXXX. I have made multiple calls, uploaded proof of my payments from XXXX for the time period that has been omitted along with additional information showing 25 months of forbearance time which at this point should also have resulted in my loan forgiveness since the new XXXX XXXX  went into effect after XX/XX/XXXX. Each time I call, I get the same story that my case has been assigned an Ombudsman, that it has been escalated and that they will call me back within 48 hours. To date, nothing has happened with this case. I have only received one email from them on XX/XX/XXXX after insisting that a supervisor call me back that said they were turning over the case to Mohela but they never closed the case. When I called Mohela to inquire, they did not know anything about it and have since attempted to just re-process my XXXX application that was already processed by XXXX XXXX back in XX/XX/XXXX. Everything should not take 90-120 days to complete, an email, an application, every little thing. I began this process over a year ago and I have simply fallen through the cracks and I am eligible for forgiveness but I can't get them to do what they are supposed to do.
Consumer complaint received 2019-08-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Dispute is with Bank of America. Credit card was fraudulently charged {$160.00} on XX/XX/2019. Claim was denied because we did not have a credit card slip. Since the charge was not authorized how would we have a credit card slip?
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

I have spend hours on the phone with equifax attempting to get my credit temporarily unfrozen. I have the information with PIN number, ss etc. They told me my file is incomplete, so I submitted every bit of information they asked for via fax. Yet they still report they are missing information, and when I call they can tell me nothing else. This is ridiculous, they have all the information needed. The other 3 credit bureaus took 2 minutes to lift a freeze, as directed.
Consumer complaint received 2022-05-03
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: World Acceptance Corporation (GA)

Im accordance with the fair credit reporting act XXXX account XXXX and 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 2021-12-06
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. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2021 XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax ( Gon na add on the next update )
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FirstPoint Collection Resources (LA)

Firstpoint collection resources is reporting an collection the credit report for an original account with XXXX XXXX XXXX XXXX. I spoke to Ms. XXXX XXXX on XX/XX/19 with XXXX  collection department who stated that she is unaware of this company and what they are collecting on. I am asking for a removal from my report and has mailed a validation request to Firstpoint.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

There is nothing reporting on my Experian report. My credit information was reporting on my my Experian credit report last Month and now there is nothing showing on my report. I am purchasing a home and need to be able to show my credit report from all 3 credit bureaus.
Consumer complaint received 2021-12-06
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: Nelnet, Inc. (MD)

I am XXXX that you have included DEPT OF ED/NELNET information in my credit profile on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
Consumer complaint received 2021-12-05
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX  XXXX Balance : {$2900.00}
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

On XX/XX/2020, I was charged a {$25.00} late fee to my credit card issued by Citi. This was due to the fact that I had a balance of {$37.00} on my card at the time. Because of the global pandemic caused by COVID-19, I had to worry about the safety and health of my family first. This led to me forgetting to submit a payment to my Citi card. Prior to this, I have never missed a single payment with Citi. I have tried to speak with 4 different representatives at Citi - both through phone calls and online chat. All 4 representative denied my request to waive the {$25.00} late fee, even during a global pandemic. This reflects on the company as a whole and shows that Citi has such awful and disgusting morals. The fact that they refuse to waive a one-time {$25.00} late fee shows their horrible ethics. I have since already made the minimum balance payment so that my account is already current and up-to-date, yet I still have not received any assistance.
Consumer complaint received 2022-06-10
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2018-04-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

I have made a student loan payment to AES in the amount of {$280.00} every month for almost 15 years. Beginning in XXXX ( specifically XX/XX/XXXX ), I started to pay an additional {$300.00} per month which I expected to go to principal. Instead I was charged interest on my additional payment. When I called to complain, I was told if I combined the 2 payments, then the additional {$300.00} would go to principal. Beginning on XX/XX/XXXX I started making a {$600.00} payment per month. Again, I was charged the normal interest on the full amount and my additional payment did not ALL go to principal. I called again to complain and they told me since the interest is compounded daily, I would always be charged interest on an additional amount. This seems highly unfair and unethical to me especially given in my original promissory note it states, " I may repay all or any part of the unpaid balance of my loan at any time WITHOUT PENALTY ''
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, Chapter XXXX Bankruptcy Reference # 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 2021-12-05
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)

Re : XXXX XXXX XXXX. 
This company is reporting late payments on my report as a consumer the are in violation of 15 USC 1681b- Permissible purposes of consumer reports which I did not give them permissible purposes to report.

2 ) 15 USC 1666b Timing of payments.

3 ) SECTION 9-611 NOTIFICATION BEFORE DISPOSITION OF COLLATERAL SECTION 9-612 TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

SECTION 9- 613 CONTENTS AND FORM of notification before disposition of collateral : General 4 ) as a consumer I have the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information 5 ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent. 
6 ) According to 4 USC 1692g this is an alleged debt that only I XXXX the consumer has to validate and I have never validated this debt.
Consumer complaint received 2021-12-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (VA)

Submitted complaint on XX/XX/XXXX to cfpb, # XXXX. Case was closed without resolution. Requesting immediate resolution. Complaint restated : On XX/XX/XXXX I sent a debt validation request via certified mail to Aargon collection agency requesting they provide me with competent evidence that I have any legal obligation to pay them. I received a letter from Aargon with in the 30 day window on XX/XX/XXXX. Aargon failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulation. I have never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file immediately. 

Company responded on XX/XX/XXXX to cfpb. 

Results : " Our office is requesting the signed HIPAA authorization and financial agreement from our client that the consumer would have signed during their admissions process. We will provide this to the consumer as soon as our client provides the information. '' It has been over 60 days and I have yet to see a HIPAA authorization produced. Please delete this item from all credit agencies immediately.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

I have been paying my car payment through billpay. The checks have been sent out and not returned. The account number is on the checks. However, I keep getting calls saying that I haven't paid my car payment and its going against my credit. I'm doing my part but I have no control over how GM Financial does things.
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

This whole ordeal started when I decided to pull my credit report to learn about what was being reported on me. I noticed a lot of accounts on my report that did not belong to me. I immediately froze my report and begin to work to get accounts removed. I contacted XXXX on a number of occasions to have this account removed and was advised it was turned over to Diversified Consultants. I contacted Diversified Consultants who disregarded the fact that I've never held an account with XXXX, they advised the only way they would remove the account was to pay. I was transferred to a manager, XXXX, who advised I could them and the account would be removed. I made payment out of my checking account on XX/XX/2018, afterwards I was told I would receive a letter and that the account would be removed since it was not my account. This was and is the only collection account on my credit report so I felt in order to avoid the headache of fighting to remove the account I should just pay it since they agreed to delete the account. After the payment cleared my account, I call several times and asked for them to email me the letter they promised to send and advised them that the account had not been deleted as promised. Instead of deleting the account, they updated the account to show it was opened in XX/XX/2018 which is completely false. They took my money and affected my credit far worst than before. I contacted XXXX who confirmed I have no balance owed to them and they advised they have no control on what Diversified reports but they did advise they would request them to honor their promise to delete this false reporting.
Consumer complaint received 2023-04-07
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. (NC)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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


XXXX XXXX DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX - DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX XXXXXXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-10
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. (IN)

In accordance with the Fair 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 also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2021-12-23
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

I do not have exact dates, but I called Equifax to inform them that my XXXX XXXX credit card ; as well as, my XXXX it credit card is not showing and that affects my credit score, I also called the credit card places and filed a complaint as well. There is no problems with my credit cards reporting to the other agencies only Equifax is a problem!
Consumer complaint received 2023-04-07
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. (OH)

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. 

XXXX XXXX XXXX : # XXXX, XXXXXXXX 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 dismissed : Ref # XXXX, XXXX XXXX XXXX  dismissed : Ref # 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 an 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 2019-08-27
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)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called to let them know that I did not give permission to be added as an Authorized User. XXXX  has removed this line item from my credit report but Equifax and XXXX have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed.