davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Good afternoon, Five years ago, I did take out a loan with Credit acceptance. Unfortunately the past two years, I have had significant health challenges that led to my need to create payment plans. There were several times that I spoke to credit acceptance and the representative did in fact say that as long as the payment plans were in place, I would not have a mark on my credit. However, upon reaching out to the XXXX, the representative in compliance, better known as " Z, '' called me. She was extremely abrasive and informed me that she would not review all of the calls and would not make any changes. Additionally, she said that she didn't believe that the XXXX dispute said that the company would make changes. I know that this company is a sub prime lender but at the time, I was in college and needed the loan. Please help as this is the only thing that is derogatory on my credit.
Consumer complaint received 2021-05-28
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021.
Consumer complaint received 2021-05-28
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)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021.
Consumer complaint received 2023-01-09
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. (AR)

I am submitting this CFPB complaint to you to follow up the previous CFPB Complaint I submitted requesting the immediate deletion of the fraudulent accounts and information you report on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I sent a dispute letter on XX/XX/XXXX, with complete attachments of my personal identifying documents as well as the ID THEFT Report I received from the FTC. Please remove the following items off from my Credit File as soon as possible : 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 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 Please comply with the Federal law and investigate the disputed items and remove them as soon as possible. If you found no legal basis to continue reporting the disputed items, immediately deleted these items from my Credit File.
Consumer complaint received 2024-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MS)

We applied for the SAVE plan which would lower the amount of interest accrues monthly in XXXXXXXX XXXX XXXXXXXX with XXXX. Our application was processing until XX/XX/XXXX when Mohela assumed our loans. XXXX processed our application on XX/XX/XXXX, but our loans had already moved to Mohela. 

Mohela assumed our student loans on XX/XX/XXXX. Application processing times were 30 days. Our application has been pending since. 

On XX/XX/XXXX, Mohela representatives stated that it would be processed in 3-5 business days. She suggested that she resubmit the application in order to get it processed faster. 


XXXX XX/XX/XXXX, Mohela representatives stated that it was still processing and should be processed in 3 business days. She suggested that the initial application on XX/XX/XXXX would be processed first. 

On XX/XX/XXXX, the Mohela representative stated that it had been assigned to an agent on XX/XX/XXXX and should be reviewed and processed quickly. 

On XXXX XXXXXXXX, the agent said that it should be processed quickly and submitted to a new application. 

It is over {$400.00} a month that wil be sudsidized by the SAVE plan and we have spent hours on hold and talking and explaining to Mohela the situation. The last agent apologized for the expensive processing delay. I have sent multiple messages through the portal but they send a form email back with no info. Each time I call, I am greeted by a friendly agent who makes promises that are never actaully upheld. I called today on XX/XX/XXXX and asked to speak directly to a supervisor. I was then forwarded to a voicemail that states that the wait time to talk to a supervisor is too long so leave a voicemail and they will get back to you within a few business days. Each time that the XXXX of the month rolls around, Mohela 's processing delay has ensured that another $ XXXX of interest will be added to my student loans.
Consumer complaint received 2023-01-19
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STAT

ED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates (AR)

I did not authorize anyone to open an account with XXXX XXXX XXXX and the account is as a result of identity fraud. I notified both XXXX XXXX XXXX  and Prince Parker & Associates of my ftc identity theft report and I am continuing to be solicited regarding this debt that is a result of identity theft.
Consumer complaint received 2024-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I applied for the XXXX program through MOHELA in XXXX, and the system said that it might take a while to process. I called to check on the application in late XXXX, and they said that it simply hadn't been pushed through. They fixed that and told me it should go through in XXXX days. They recommended I call back at the end of that period to check on it. I called as it still hadn't gone through, but he said it shouldn't be more than XXXX more days. Nothing happened, so I called again today ( XX/XX/15 ) and they said that my application had been canceled. I had not been notified. When I asked why my application had been canceled, they said that the system thought it was a duplicate. They put my application through again and said that I should hear something in XXXX days. I have been paying a higher rate this whole time and need the payments to go down, which is why applied for the XXXX program XXXX months ago. I have been informed that forbearance is an option but that those months will most likely not count toward the XXXX, which I can't risk, so I have to keep finding the money for these higher payments.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My Name is XXXX XXXX & my first " 2 '' emails that were hijacked were ( XXXX ) & ( XXXX ) XX/XX/XXXX is when I notice the scams, and identify theft that was done with my personal information! My ex Fiance XXXX XXXX who I lived with for 10yrs has linked my Data from my gmail act. to his gmail act! And gained excess to all my data personal files etc..I was trying to jump start my online business called ( XXXX  ) He has then placed XXXX ( XXXX XXXX XXXX ) on all of my electronic devices. Where he can see the info i put into my phone! Hear through my phone with accessibility somehow! I then notice my business being used for ( XXXX XXXX! ) And ( XXXX XXXX ) items in my name as well! ( XXXX ) was placed over my fb where he gains more of my info. When I realized what was happening I made a police report and contact XXXX! And took notes of the things I discovered Loans from Self Credit, also My XX/XX/XXXX Stimulus XXXX off my XXXX card ... By controlling my phone through another phone he had with the XXXX Software on that App! Hes has made himself the Administratior of my Emails and close of ours! And made some organization for XXXX XXXX! Where it seems like we were working for him! But we had no idea! That he had that kind of excess and control over our phones! But he use my identity to do qll things! this is the List! 


Suspect info Last 4 SSN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX 1.XXXX  XXXX Act 11 Consumer Privacy Act Pata Service GLBA, FCRA XXXX PPPA, CCPA 2. XXXX XXXX XXXX 3. https : //respond.census.gov./acs 4. XXXX XXXX 5. XXXX XXXX. XXXX 7. XXXX 8. XXXXt 9. XXXX 10. XXXX  11.XXXX  XXXX XXXX XXXX! Placed on all of my bluetooth devices 12. XXXX XXXX organizations such as XXXX 13. Certificates from XXXX installed on my devices! 
14. Global and many more! And it's still ongoing! 
XX/XX/XXXX - XXXX XXXX I made countless emails! changed phones, numbers, And still haven't received a dime from credit cards! Stimulus, all these gadgets he used etc..
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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, 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. 
some of the inquiry accounts have been removed but some were not removed which I didn't give them consent to run a credit check which shows as hard inquiry on my account. 
Bank name : XXXX XXXX  Inquiry date : XX/XX/2021 Bank name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 Bank name : XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/2021 Bank name : XXXX XXXX Inquiry date : XX/XX/2021 Bank name : XXXX XXXX Inquiry date : XX/XX/2XXXX XXXX
Consumer complaint received 2021-10-21
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. (DE)

On two separate occasions i have repeatedly asked the credit bureau to verify the accounts to be named and send me proof of validity. They have not and only sent back as it is mine. These accounts do no belong to me and belongs to someone with my same name. The accounts are : XXXX XXXX XXXX # XXXX and XXXX # XXXX. 
The above mentioned accounts were removed and then placed back on my account. PLEASE HELP!
Consumer complaint received 2021-05-28
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. (NY)

Trans Union continues to claim the collection account below is accurate when it was paid off, and agreed upon by the collector to be removed from my credit. Please see the attached letter for proof of payment. 

Account Details : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have 2 hard inquiries from Capital One Auto Finance company for trying to get a loan for some type of auto Financing, one on XXXX XXXX and another for. XX/XX/2021 and it wasn't me who applied for it, this inquiry is not mine and it's affecting my credit score.
Consumer complaint received 2021-04-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I filed a dispute with XXXX XXXX XXXX XXXX over 30 days ago .I informed XXXX  XXXX XXXX XXXX that I am disputing their claim.moreover I requested that XXXX  XXXX XXXX XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal XXXX  XXXX XXXX XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally XXXX  XXXX XXXX XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
Consumer complaint received 2021-05-28
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$670.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : EXXXX XXXX XXXXXXXX  Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$2000.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My husband has recently deceased, i as the widow with a XXXX was in the process of requesting from the XXXX court to grant me access to my husband XXXX XXXX accounts. In the meantime, my husbands mom contacted Bank of America regarding her account where my husband has control as she is an elderly. After she notified the bank her son passed, the bank froze all my husbands accounts with XXXX balance. As my husband was the primary earner for the family, most of the payments including major autopay for such as child daycare, mortgage, apartment maintenance, among others, were set to go through this account. I contacted their customer service on XX/XX/XXXX but they did not or could not to explain to me if those autopay will go through. Bank of America did not try to contact my husband by phone or by mail before restricting his account. The restrictions put me in a very difficult financial situation and risk of losing my housing and child care. I am filing this complaint due to the financial hardship and other penalties or fees to incur due to their practice.
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I am writing out this complaint today because i was unfortunately the victim of identity theft and because of this unfortunate event in my life the criminal then used my information to receive goods and other products using my information that he stole from me. They then neglected their payments and let the accounts that they opened under my name without my consent, be submitted to collections. I did not catch onto to this event until 3 years later and have since been trying to get my life back together for me and my family. I then went ahead and submitted the appropriate paperwork to the local authorities and then submitted the documents to all parties that were reporting the accounts on my credit report. All parties that received the paperwork such as ; XXXX XXXX, and XXXX  acted promptly and removed the accounts that stemmed from this event. The only one that continues to harass me about this old debt is the collection agency known as XXXX XXXX XXXX XXXX. I also submitted the paperwork to them and they responded with a screenshot of the receipt that was signed from the company and a screenshot of someone else debt which they are trying to claim i am to person responsible. Please help me as they have clearly violated my consumer rights according to the 605B of the FCRA.
Consumer complaint received 2021-04-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

IT HAS NOW BEEN MORE THAN 45 DAYS WITHOUT A RESPONSE FROM THE BUREAUS ON INCORRECT ITEMS ON MY CREDIT REPORTS AND I AM REQUESTING THAT THE FRAUDULENT ITEMS TO BE REMOVED FROM MY REPORTS. ACCORDING TO THE ( FCRA ), A CREDIT BUREAU IS REQUIRED TO RESPOND TO YOU AND COMPLETED THEIR INVESTIGATION WITHIN 30 DAYS. IF THEY DO NOT RESPOND WITHIN THE 30 DAYS THEY MUST REMOVE THE NEGATIVE ITEMS BEING DISPUTED. I AM ALSO ATTACHING ALL COMMUNICATIONS.
Consumer complaint received 2021-05-29
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: TRANSWORLD SYSTEMS INC (NY)

I have contacted the company numerous times in writing. They refuse to validate the debt. I disputed the validity of the debt. I assume it is an error as only 1 digit is different than my actual and current account in good standing. They continue to Fraudulently report the invalid debt on my credit report. I am looking into pursuing litigation.
Consumer complaint received 2021-04-07
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: Resurgent Capital Services L.P. (TN)

These accounts have either been sold or transferred. According to my findings, I am no longer liable for the alleged debt, and no written communication, contract, or signature exist. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, this is and attempt to a violation of the FDCPA section 809 it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

I had my PSLF application sent over from XXXX to Mohela back in XXXX. I have been unable to get through to anyone to tell me the status of my application since then and it is now XXXX. Most recently Ive been on hold with them upwards of two hours with still no rep to answer my call much less any questions. The deadline is soon approaching and Im worried I wont be able to have my stuff taken care of