davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I work for the XXXX XXXX XXXX XXXX and have my student loans in the PSLF and certify my employment yearly toward loan forgiveness. They received my certification in XX/XX/XXXX twice and still have not applied it and updated my payment count toward my loan forgiveness for the year ending XX/XX/XXXX. I have attached the certification and data showing they show it processed but have not updated my payment count, which should be 60 payments not 48 that I have made!! On top of this I have also been paying on the loans for 26 years on a income based repayment plan, since XXXX, so they should have all already been forgiven anyway as the law states they end after 25 years! As well I also worked for the federal and count government for a total of three years and these payments were never applied to the count either!!!
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I had been receiving a number of letters to my old address ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX ) saying that I owed money to XXXX XXXX. After calling the number on the letter it became apparent that it seemed like more of a scam. 

This was confusing as I live with my parents, do not own a property and at the time the so-called account was taken out I was only XXXX years old. As I felt it was a scam I just left the account and heard nothing more apart from the odd letter i received every no and again. 

I have never missed any payments on loans etc and have spent the past few years building up my credit score and when I recently checked it had gone done by like XXXX points in one month. After doing some digging it seems I have a payment gone into default for circa XXXX. I have never had an account with XXXX XXXX, I don't own property as I live with my parent 's and the account was supposedly taken out back in 2015, at that point I was XXXX years old so it would have been impossible to take an account out. 

I have contacted XXXX XXXX and the only response that I ever get is them requesting an account number, which I can't provide as I do not have an account with them and never have. 

I keep getting refused for credit which is becoming increasingly frustrating. I am also looking at getting a mortgage towards the end of the year and with this false information showing against my credit score it is going to be impossible. 

Your soonest response would be greatly appreciated as this has been going on for 2 months now and I don't seem to be any closer to.
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NY)

I have been ( robo ) called everyday by " Convergent Outsourcing '' who ( once I identify myself ) stated they were representing XXXX and trying to collect on a past due bill. I explained that when I closed my account, I was told everything was in order. They insisted I owed ( roughly ) {$190.00}. I asked that they email me an invoice or provide some sort of verification. They refused. They have called me several times everyday since, and today called my ex-wife and left a message stating they were trying to collect a debt.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I trust this letter finds you in good health. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report, despite my numerous attempts to rectify this situation. The lack of resolution has significantly impacted my financial well-being and caused undue stress. 

The fraudulent items in question, linked to [ account/reference numbers ], were initially reported to your agency on [ mention the date of your initial report ]. Since then, I have diligently followed your prescribed procedures for disputing fraudulent activity, providing all necessary documentation such as police reports, affidavits, and supporting evidence to substantiate the fraudulent nature of these entries. 

Despite my multiple attempts to address and correct this issue, each accompanied by cooperation on my part and adherence to your agency 's requirements, the fraudulent items persist on my credit report. 

I am formally requesting the following actions be taken urgently : A thorough and comprehensive review of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand that errors can occur, but the continued inclusion of these fraudulent items on my credit report, despite my multiple attempts to rectify the situation, is both distressing and damaging to my financial standing. 

Failure to address this matter within the exact time frame from the date of this letter may leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities. 

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-04
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc. (IA)

Windham Professionals call my phone several times a day. Sometimes leaving a voicemail and sometimes not. I block their number with a call blocker and then they change the digits of their phone number by one number and repeat the practice. Called as early as XXXX XXXX  and as late a XXXX XXXX. 

yesterday called from ( XXXX ) XXXX at XXXX, XXXX, and XXXX    XXXX called from ( XXXX ) XXXX at XXXX and XXXX XXXX  XXXX called from ( XXXX ) XXXX also used number ( XXXX ) XXXXand ( XXXX ) XXXX to call me. 


The repeated calls are harrasment.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Grain Technology, Inc. (IL)

On XX/XX/XXXX I requested to pay the annual fee in order to access my credit service with Grain. On XX/XX/XXXX XXXX XXXX processed my request. On the same day of XXXX request, I received an official email from Grain stating that Your annual fee payment of {$80.00} from your has been initiated on XX/XX/XXXX. On XX/XX/XXXX my annual fee was processed and I gained access to the credit services on my account. On XX/XX/XXXX I received an email indicating my account would be frozen because they needed to verify my account, therefore I contacted support with concern since I just paid an annual fee to gain access to my account. XXXX restored my access. On XX/XX/XXXX I was notified of an incorrectly charged annual fee of {$80.00} and a refund of the incorrect charge. On XX/XX/XXXX I again noticed I was unable to access the line of credit on my account. Between XXXX, I reached out to customer support on multiple occasions. During this exchange, XXXX informed me that he could not see the annual fee on my account. After providing him proof of payment ( bank statement, official Grain email, and email exchange with XXXX confirming the fee was processed ), XXXX insisted that if I paid the fee then it was refunded. I told him the only fee I was refunded was according to an official Grain email an " incorrectly charged annual fee. '' Since then XXXX not recognized this fee was refunded only because it was " incorrectly charged. '' He insists I should pay a full {$100.00} ( which included the original {$80.00} fee and an additional {$20.00} for a credit increase I was granted ) because he can not find a record of my annual fee payment and he has not accepted my 3 other forms of proof of payment. Until I pay this I have not had access to my line of credit. Therefore, I offered to pay the {$100.00}, notifying him that I would have to dispute the original annual fee charged on XX/XX/XXXX. Since then, XXXX has not taken any action on my account and he has been ignoring my last 4 emails, refusing to help me solve my problem or transfer me to a supervisor. Upon checking their reviews, this company has a well established pattern of ignoring the needs of their customers for even months on end. I am no lawyer, but I feel that an attempt to take someone's fee for an annual service, and then to suspend those services is an act of fraud.
Consumer complaint received 2023-03-30
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: 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. 

Account name : XXXX XXXX  Account # XXXX  Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (OH)

On XX/XX/22 I called Indigo credit card company. I am struggling to pay down and pay off a credit card. My husband is unemployed and had XXXX XXXXXXXX recently so has had to be off for some time. I am the only income coming in to pay our rent, water, electric and food. Not including the car payments and other bills, this is the only credit card I have. I have expressed this to them for the last XXXX months that we have been struggling. 

Each time I get paid I have only {$50.00} I can pay towards the balance and since its over the limit ( due to fees ) they charge {$40.00} ( used to be {$27.00} ) fee and interest on top. So my payment is meaningless and I am back in the same boat the next month. 

I have asked them if there is anyway to pause a couple months to get me caught up or anything they can offer for assistance and they have nothing. They offer to waive one fee after I pay the balance down. 

At this point it is ruining my credit and my chance of getting it better.
Consumer complaint received 2022-01-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

NELNET received my dispute letter on XX/XX/2022 according to XXXX certified mail/ green receipt tracking XXXX. In my letter I demanded for your agency to cease from furnishing to CRAs. Also, I demanded deletion of the late payments from my consumer report, this agency is in numerous violations of the FCRA, including 15 USC 1681b. and 15 USC 1681 ( 2 ) ( a ) ( i ) the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. See attachment for exhibits.
Consumer complaint received 2021-11-04
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. (TX)

XXXX XXXX and XXXX XXXX XXXX XXXX  have both been Paid in full both still is reporting as delinquent after many letter about other incorrect items reported it kept updating as verified it couldn't be right
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX report XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT PAYMENT ON A LOAN ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-10-16
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: EOS Holdings, Inc. (PA)

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 )  XXXX XXXX ( XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) EOS CCA ( XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached  certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.

In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported
within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.

I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CHECK INTO CASH INC. (LA)

I took out a title loan.In XXXX it was paid out.I was told they would clear it and mail it to me.That never happened. I contacted them in person they said would look into it.I had to keep calling.Was always told it was put in for.I asked if they could compensate me.They will not respond to this.I have been speaking to them since XX/XX/XXXX today is XXXX XXXX.I have spoken with XXXX, XXXX, XXXX.The store manager for XXXX branch called said she will call me back.This has not happened either.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (PA)

Deposited XXXX into my chase checking account at the ATM and next day tried to take it out and received a technical error and cash deposit still showed as pending. Next day samething and this time my debt card was suspended, called fraud department and customer service verified my information and they took the restriction off card and said everything should work fine. Went to do a transfer through chases XXXX pay app and it locked my account and my access to online banking. Was told couldn't be done over phone would have to come to branch. 
Twice in one day for trying to take my money out is very frustrating especially when it's needed.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (TN)

This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

XXXX account # XXXXdoes not belong to me. I have no knowledge about thisaccount. I have requested a validation of alledged debtsXXXX times over the US mail for the last XXXX monthsdirectly to collector as well as I 've placed several disputes with Experian credit bureau. Never been responded by both oof them.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been going back and forth with the agencies trying to right the numerous fallacies that are being reported on my credit. This issue has been long standing for many months and items have been added without any approval or knowledge of accuracy. I am taking legal action now as I can not sit by and let the agencies continue with this fictitious reporting