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

I received a letter on XX/XX/XXXX that indicated I would need to recertify my income by XX/XX/XXXX to stay on an Income Driven Repayment program. 

According the the federal Student Aid website, if your recertification falls before XX/XX/XXXX, all recertification dates should be pushed back by a year. 

I have called and spoken to various representatives at MOHELA, and many of them tell me that I no longer qualify for the pushback because XX/XX/XXXX is a " soft date '' and my actual recertification is sometime in XXXX. However, nothing on their website indicates this date on my account nor in any paperwork issued to me. About a month ago, another date ( in addition to the XX/XX/XXXX date ) popped up on my account as recertification required by XX/XX/XXXX. No one I speak with on the phone knows what this date is or can comment on why it's now on my account. This date would also make me ineligible for the one year pushback. 

Not only this, but when I emailed them about this issue on XX/XX/XXXX they did not respond until XX/XX/XXXX with " we see you spoke to a customer representative and have resolved this issue '' although it was never resolved. MOHELA has not provided timely services nor are they providing accurate information as each representative I talk to has wildly different information or advice. They have told me a number of times my date would be changed, but have not honored that since I spoke to them about it in late XXXX. Since that time I've been told that I do qualify for the pushback, that I do not qualify for the pushback, and that I " might " qualify but I have to wait until XX/XX/XXXX to know for sure ( and if it is not fixed, they estimate my payment will become {$5000.00} a month which is not something I can afford. Lastly, they are not honoring what is posted on the federal student aid website, nor honoring dates indicated on paperwork they issued to me on their letterhead. 

There are many, many others with this same issue. We will all be financially penalized and risk defaulting on our student loans given misinformation and inconsistent information provided by MOHELA if they do not get their act together.
Consumer complaint received 2021-01-21
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. (NE)

I initially borrowed {$22.00} in federal loans, from XXXX to XXXX. I successfully graduated in XXXX and the federal student loan program states i owe {$37.00}. In XXXX I began receiving mail from a company called XXXX, who states they brought my federal student loans. To date my credit reports show I owe {$78.00} in student loans. Two local banks and two mortgage companies have also confirmed these dollar amounts are duplicated all over my credit reports. In other words The federal student loan program tells me i owe them the {$37.00} dollar amount, while XXXX  states I owe them these same monies. How in the world can I owe both of them. I have reached out on numerous occasions to both parties with no avail. I never signed anything with this company called XXXX and they have yet to show me proof in writing that they are the true holders of such loans. I have 34 marks on my credit report all from this company called XXXX. This false reporting is causing significant damage to my credit reports and me personally. I am fully aware the XXXX XXXX XXXX XXXX is never updated the way its suppose to be, and this issue is intolerable. I can not get either party to listen to me or fix this horrible problem I am living with. Anyone with a six grade education can view my credit reports and see these money amounts are duplicated, however no one will make any effort to correct this false reporting
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX I purchased a laptop and when it came I didnt receive what I ordered I sent it back and I never received a refund from the company. I reported the transaction on XX/XX/XXXX and I have still not gotten a response I have provided proof that I have returned the wrong item and have not received the refund. I was supposed to receive provisional credit but never got it.
Consumer complaint received 2023-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

I have provided a police report regarding my stolen identity and multiple accounts being opened in my name. I asked the company to send proof that the debt belongs to me being that they refuse to remove it and was sent a bill instead. A bill is not credible enough to claim the debt belongs to me. As a result of the negative remarks on my credit file, I am homeless and unable to obtain housing. I am also unable to access credit cards.
Consumer complaint received 2021-01-21
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: EdFinancial Services (GA)

after reviewing my credit reports I saw that my student loan stated that I was 90 days late. The reports starts my payment history as 90 days but prior to the 90 days is has an on time payment history. If the account is reported as OK, OK, 90, it means that the 2 " OK '' payments are inaccurate. Prior to the month that states 90 days it should state 30 day late, 60 day late leading to my 90 day late.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX Account name ' WELLS FARGO However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. Also 42 USC 408 Asking for any Social security number on any loan is fraud and a violation of RICO 15 USC 1666b there is no such thing as late payments and I personally can name several others as well like we are the credit and the debt. I would honestly respect if you all respect the law...
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX is report an account number # XXXX in charged off status I demand they remove this from my credit report. This is my formal dispute and if you don't remove it I will seek fines and sue you and transfer it to a consumer attorney for possible legal action Thanks XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I was looking over my credit report and found some In accurate addresses, Name spelling, phone number, employment, and also inquiries that I did not authorize. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses, inquires, employment, and all FCRA laws that protects me and my identity from these issues My correct info is below and also Ive attached a cover letter so this will be a smooth and fast updated, please do not report! in accurate info on my credit report because this is considered identity theft, so please follow each step in cover letter thats attached and fix immediately
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please help me remove these items. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO the 3 credit bureaus must comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I contacted every company listed requesting documentation with my signature authorizing them to use my information and not one company has done such, these inquiries are damaging to my credit and are going to make it much longer to purchase a home in the future, the companies and said dates are as follows : 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 As you can see most of these inquiries are by some of the same companies multiple times in a short period.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (OH)

XX/XX/XXXX Opened account XX/XX/XXXX Received email that offer code to receive bonus was applied to account successfully XX/XX/XXXX Met requirement to receive bonus XX/XX/XXXX Called XXXX on a recorded line to find out when I would receive bonus and was told to take offer code to be verified at branch XX/XX/XXXX Visited branch in person with offer code and emails as proof that I am eligible to receive bonus and that I met the requirement to receive the bonus and branch teller submitted support ticket to a their retention and accounting department and I was told that I would receive the bonus within XXXX business days because the branch teller verified my account information XX/XX/XXXX I called the branch location that I visited on XX/XX/XXXX and spoke with the same branch teller that submitted the support ticket XX/XX/XXXX I received a phone call from PNC Retail Support Department stating that I did not meet the requirement and that I would not receive the bonus
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland funding has continued to try and collect a debt from 2010 that was covered under debt insurance. I paid my bill until I was unemployed due to XXXX, filed the claims, and they have continued to harass me. I called them and quoted that the statute of limitations had long expired and that they were to cease and desist collection efforts. The woman said that there is no statute.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution. 

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account. 

I would like to bring to your attention the following instances where I have reported fraudulent items : Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns about the integrity of your security measures. 

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future. 

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution. 

Failure to address this issue promptly may compel me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

This was my follow up for my last complaint. Upon reviewing my updated personal credit report again, it has come to my attention that several unauthorized inquiries and erroneous information persist on my record despite previous request for their removal. Despite my efforts to rectify this matter directly with the respective companies, none of the inquiries I identified for removal have been deleted. I once request that you undertake a thorough investigation and expedite the removal of the following unauthorized inquiries from my credit report. This investigation is necessary to ascertain the individuals responsible for authorizing these inquiries and to ensure the accuracy of my credit report. I am confident in the validity of my claim and trust that you will take the appropriate steps to address this matter promptly. Therefore, I kindly request the removal of the following unauthorized inquiries and the provision of an updated copy of my credit report reflecting their removal 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Should you determine any of the referenced inquiries to be valid, I request a detailed description of the investigative procedures employed within 15 business days following the completion of your investigation. However, I maintain that none of the inquiries listed herein are valid and thus urge their immediate removal, in accordance with FCRA Section 605B ( a ), which mandates the expeditious removal of items identified by the consumer as stemming from alleged identity theft.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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.

has violated my rights. Or 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 2021-01-21
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: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (TX)

Account included in my bankruptcy, this account originally started as a pay loan in XX/XX/XXXX and in XX/XX/XXXX i filed for bankruptcy and included this account in my petition case is ongoing, Then XX/XX/XXXX i saw this report included in my credit.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

For many months now I have been working to correct these fraudulent items with the bureau, corporations and whomever else is involved. The information that is being reported was not authorized by me and the information is not correct, yet the agencies continue to report it and am now having to seek legal action to take care of it