davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I filed a complaint regarding this issue on stating the following : in early XXXX Mohela sent me multiple notifications ( digital and by mail ) stating that my Recertification was due and that to " Avoid missing the recertification deadline of XXXX XXXX, XXXX  '' I needed to Recertify or my payment would go up from {$410.00} to {$1100.00} and I would jeopardize my PSLF and loan repayment progress ( attached ) These threats were reinforced by banners on their webpage and constant reminders throughout the site. Out of fear of risking my progress, I recertified as instructed in XX/XX/XXXX. I contacted Mohela on XX/XX/XXXX when I was informed that I should not have been required to recertify. No one responded via phone and I sent a message and was told I would be contacted in 1-2 business days ( message attached ). No one contacted me but instead on XX/XX/XXXX I received a message that MOHELA Has Placed an Administrative Forbearance on my Account ( attached ). I followed up with Mohela the same day because I was concerned this forbearance would impact my PSLF progress. Once again I heard nothing. Now on XX/XX/XXXX, I received a notification that my new Monthly Payment Amount : {$730.00}. The language in the annual recertification is particularly concerning because when REPAYE Plan ( which I was on ) became the SAVE plan, I received a notice ( attached ) which stated : Annual Recertification You won't be required to recertify before payments restart in XX/XX/XXXX, and the earliest you could be required to recertify is six months after the payment pause ends. If your recertification date falls between now and six months after the pause ends, it will be pushed out by one year. This section in the new letter now states ; Annual Recertification The earliest you could be required to recertify is six months after XX/XX/XXXX, when the payment pause ended. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. I believe MOHELA is deliberately misleading consumers to recertify earlier than required and threatening higher payments and risking loan forgiveness for failing to do so. Furthermore, when consumers ask for assistance, guidance or corrections, MOHELA becomes unresponsive or claims they can not assist. 


Now three agents confirmed on the phone that this issue would be resolved because my recertification date is XXXX AND being placed on forbearance because MOHELA needed time to correct this, The company made up a new date in XXXX. They replied to my complaint saying me recertification date is actually XX/XX/XXXX. Which does not match the date they wrote in their letter Dated XX/XX/XXXX. This is 100 % fiduciary negligence and they are simply making up dates to cover their mistakes after they already acknowledged that they were incorrect!!
Consumer complaint received 2022-01-15
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. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX  Last reported XX/XX/XXXX {$630.00} Open balance XXXX XXXX XXXX XXXXK XXXX XXXX A Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-15
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. (PA)

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BBVA FINANCIAL CORPORATION (MO)

Ending balance on XX/XX/XXXX XXXX close of statement ) : {$6600.00} ( Due : XX/XX/XXXX ) XXXX Activity : Purchase : {$1900.00} Total Balance : $ XXXX+ {$1900.00} = {$8500.00} Payments : XXXX ( all posted by XX/XX/XXXX ) ( remember due date XX/XX/XXXX ) Ending balance XX/XX/XXXX : {$0.00} Interest charged on XX/XX/XXXX : {$80.00}
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NC)

I submitted my yearly application to both MOHELA and Federal Student Aid to certify new employment. I sent an accompanying letter from my employer stating why my company is eligible as a PSLF employer but was denied by both agencies. I have since submitted a reconsideration request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and have not received a response. At the time of my original submission ( XX/XX/year> ), I would have been done with payments from XXXX XXXX XXXX, yet I am still paying, as instructed. I have 4 eligible payments left for my XXXX loans and XXXX XXXX XXXX XXXX XXXX as of XX/XX/year> ). I believe, based on the letter submitted with my application for certification by my employer, that I am eligible for and should be granted loan forgiveness under PSLF rules.
Consumer complaint received 2021-07-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchased a car through Hyundai Motor Finance ( HMF ) in XX/XX/XXXX. The 5-year auto loan was fully paid off as of XX/XX/XXXX. I have yet to receive a clear title for my car. 

I thought it was odd that I still did not receive a title, even after taking into consideration potential processing delays related to Covid. So two weeks ago ( XX/XX/XXXX ) I found out through the DMV website that there was still a lien on my vehicle. I immediately called customer service at HMF, and the rep told me that the title was never electronically released to the DMV. She told me that this would be escalated as a high urgency request and that I should follow up if I didn't receive a title by the end of the week. 

I called again on Friday of that week ( XX/XX/XXXX ) and spoke with a rep named XXXX, who then told me that the request was sent to the team handling title releases and it would take 3-4 additional business days to process the release. 

I called again on Wednesday XX/XX/XXXX, spoke with a rep named XXXX who transferred me to his supervisor XXXX. She told me that the title department has still not initiated the process of releasing the title and the only recourse is to follow up with them again via email, but there is no other way to directly contact them or escalate the issue further. She kept making excuses that the title department was " extremely backed up '' but given that my car was paid off 6 months prior I don't understand why this shouldn't be a priority request. She said it would take another 7 business days to get my title released. 

I asked if HMF would provide compensation in the event of lost value due to the delay ( e.g., if I were to sell my car but I couldn't get my title before the offer expired ). XXXX said yes, but XXXX then said no, HMF does not compensate for such delays. 

I checked again today ( XX/XX/XXXX ) and DMV website still says the same thing - there is another lienholder on my vehicle. 

HMF did not release title of the vehicle to the rightful owner for 6 months after the loan was fully paid off, and even then, it took my following up with customer service to initiate the process. Furthermore, even after I repeatedly followed up and requested immediate transfer of the ownership rights, HMF is refusing to do so.
Consumer complaint received 2021-07-06
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: United Collection Bureau, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX United collection bureau , Inc . 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX XXXX XXXX. Certified Mail/Return Receipt # XXXX XXXX Alleged Original Creditor : XXXX XXXX XXXX XXXX Alleged Original Creditor Account number : XXXX Debt collectors Name : United Collection Bureau , Inc . 
Debt collectors account number XXXX Alleged Debt Amount or Balance : {$420.00} Current Creditor : XXXX XXXX Dear United Collection Bureau , Inc . 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i 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 UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX XXXXBalance Owed : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-23
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. (CT)

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (MI)

XXXX federal bankruptcy XXXX XXXX, thought this was included. Do have hardship on social security and due to my house being arsoned. Repairs are being done but wasn't sure if I had already gotten this taken care of like the others affected as well. 
Address is still XXXX XXXX XXXX XXXX Michigan since XX/XX/XXXX. All prior addresses are null and void. Current phone number is XXXX XXXX XXXX. All other numbers are null and void.
Consumer complaint received 2020-01-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Regional Management Corporation (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-27
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: PNC Bank N.A. (NJ)

This complaint is related to XXXX already existing complaints with the CFPB, XXXX and XXXX. Please see attached letter for the detailed complaint. 

In summary, I have been subjected to privacy violations, likely Fair Credit Billing Act violations, and in general an inequitable and opaque dispute process.
Consumer complaint received 2023-07-02
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. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXXXXXXXXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. 

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXXXXXX XXXX account and a written response outlining the actions taken to resolve this issue.
Consumer complaint received 2018-02-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (FL)

Capio Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Capio Partners has called me excessively to the point of harassment over a medical debt from XXXX. They have listed the debt as XX/XX/XXXX which I have never attended XXXX XXXX. I was at that time living in Florida. They reopened a debt from XXXX!!!! And are claiming it's from XXXX! I am a Florida resident and the statue of limitation on this debt has reached it's point. I have tried to explained that I have always had health insurance. I was admitted to a Hospital after a car accident in which the other party ran a red light. The Hospital billed my insurance incorrectly and they never resubmitted but instead billed me. I tried to resolved it numerous times submitting XXXX XXXX insurance, social, military id and the hospital told me that would be all. Years later I hear from them non stop ... nothing in the mail just calls all week long to no avail. They use profanity, threatened to damage my credit score more than they already have. Please help me so that this company stops these illegal practices. They are acquiring old debt from hospitals that failed to bill health insurance correctly either because of the lack of training of their accounting/health staff. There are federal/state statues of limitation that this company is not adhering to.
Consumer complaint received 2024-02-23
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-06
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: SYNCHRONY FINANCIAL (PA)

On XX/XX/20 I purchased {$520.00} worth of XXXX XXXX  via a website. When I tried to reach the company to receive shipping confirmation, I found out that the website was fraudulent. I immediately contacted the Bank issuing the credit card and disputed the charge. After a good amount of time passed, I received notice from the credit card company that my dispute could not be resolved could because the seller had provided tracking information. I later received a key chain from XXXX which has almost no value. 
I provided this information to the Card Issuer and was told a new dispute would be filed and the charges would be removed from my account. Once again I received a form letter from the Card Issuer saying my dispute could not be resolved because the item ( Key Chain ) was still in my possession. I have disputed this several times and was told each time that it would be resolved, only to receive the same form letter from the Issuer.

I am a victim of fraud and the bank refuses to do anything further to help me.
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

Reviewed my credit and realized there is a collection listed under name of XXXX XXXX XXXX. I have no knowledge of this account. This company never provided any information to validate this debt. I never received any legitimate proof before this negative account was placed on my credit reports.
Consumer complaint received 2024-02-23
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. (FL)

Information such as social security number and address that does not belong to me is being reported on my credit reports monthly. I have tried disputing online as well as calling XXXX, XXXX, XXXX and Transunion. I am not able to pull my report accurately due to the discrepancies that are reporting inaccurately.