davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (VA)

I was placed on an administrative forbearance by Mohela despite my request to not be put in it out of fear my last few payments for PSLF would not count. I proactively called numerous times and was assured each time ( see call history below ) that these would not impact my payments counts. I have waited three months to have my chart reviewed, they have finally updated the payment count which is now at 121 ( 120 required for PSLF ) but they have not counted the payments during the forbearance ( XX/XX/XXXX, XX/XX/XXXX ) and have marked them " ineligible '' resulting in leaving me at a count of 118 and not sending my application off to Federal Student Aid for final forgiveness. I am now stuck in this limbo where I am not accruing qualifying payments due to the forbearance but they will not remove the forbearance. This is illegal and something needs to be done. This is my livelihood. 

XX/XX/XXXX XXXX XXXXXXXX spoke to XXXX XXXX requested my ineligible payment in XX/XX/XXXX be moved to qualifying as I made a payment in XXXX, stated he would have this changed requested Forbearance be removed. Session key : XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to XXXX XXXX She stated forbearance is in place XXXX thru XXXX. I requested ineligible payments be moved to qualifying. She stated she put a note in my chart. Transferred me to supervisor ( XXXX ) was on hold for 2 hours and she never picked up. Session key XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to XXXX XXXX addressed the ineligible payments due to forbearance, stated the " IDR one count adjustment will take care of that ''. Should hear something by XX/XX/XXXX Session key : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to XXXX re : status of student loans. Suggested I submit page 1 before my chart gets assigned to someone- this was completed same day ( XX/XX/XXXX ) Session key : XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to XXXX : told her I noticed my payment counts were updated to 118 and stated this was incorrect as the " ineligible '' payments should count as well. Was told it's still being processed despite the documents section showing " processed ''. Was told again that the ineligible payments will not count against me Session key : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX : received online message of processed paperwork with nothing changed. 
XXXX XXXX XXXX XXXX XXXX XXXX  spoke to XXXX. Asked to speak to a supervisor, was transferred to an answering service that disconnected me.
Consumer complaint received 2020-07-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (AL)

During the time frame of XX/XX/2017 to XX/XX/2017, I was stationed at XXXX XXXX, SC, attending XXXX XXXX. During this time I had no access to my account and was unable to make phone calls, My rights under the The Servicemembers Civil Relief Act, protected me from missing payments during training under these months. After training, I made multiple attempts to contact Chase to settle these issues, only to be denied access to my accounts due to my email address being compromised. I settled by making payments on my account, but my credit was severely affected. As this credit is 3 years old, I have been forward deployed to XXXX for 3 years, with 1 year being in the XXXX XXXX, and other parts of the earth. I am now trying to settle this dispute again, after multiple calls from my wife, who was denied access to my information, even with a power of attorney. I wish to fix my credit at this time, erase the credit history that was built up due to lack of communication, and be reimbursed accordingly to the SCRA.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Complaint against XXXX with CFPB. Complaint needs to reflect this position.. 
Im filing a complaint against Experian information services. Ive followed all the laws/regulations set forth in the FCRA. I was a victim of identity theft. I have filed a police report with a federal agency ( per the FTC identity theft report record attached ). I have disputed the accounts with the banks ( who have already removed them from the other XXXX credit reporting agencies ( CRA ) ). Ive submitted a dispute to Experian directly and they continue to send me these boiler plate responses. They claim theyve determine that none of the facts listed are valid. I dont understand who has reviewed this complaint or how theyve determined its invalid. Im at wits end because they are the ONLY CRA which has not removed the accounts listed below nor have they done their due diligence with truly investigation my dispute. Please see this matter is handled as I dont want to have to seek a legal outcome XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
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. (NY)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NV)

This is for the American Express XXXX XXXX XXXX, until XX/XX/2020, they have sending me a statement with due date specified but starting from XXXX they only saying that " please pay by " XX/XX/XXXX '' which is 10days earlier than a due date I had ever since the account has opened. 

I called twice to customer service and they said they just doing this to remind the cardholder and nothing to do with any other reasons. 

In this result lot of people will get freak out, unless calling the customer service then they will say your due date is still the same but this due date is not stated on statement anywhere, meaning I can not see what is AMX 's intention to doing this and I am not quite sure this is legal or lawful. 

This will result in stress to a few cardholders and maybe and XXXX send payments 10 days early, so millions of dollars pre-collected from their member, they can take financial advantage. 

Please look into this, I have statements to proves what I state this complaint and attached. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (CA)

I have been contacted by ; DYNAMIC RECOVERY SOLUTIONS They state the Current Creditor is : XXXX XXXX XXXX. They do not have a full original account number and only show four digits for a presumed account. 
They state the Total Outstanding Balance : {$17000.00} I received the last letter from them dated : XX/XX/2020 They have been consistently calling my home phone at all hours of the day and night trying to hassle me into agree to owing said amount. I have hung up and now do not wait for the call to connect before hanging up. I have requested they no longer contact me at the number they have. 

I do not owe this amount to DYNAMIC RECOVERY SOLUTIONS. My credit is good and I have no interest in their presumed offer to resolve said debt. Any previously owed money has passed the law of limitations and I can no longer be sued nor can it be reported. This has been many, many years ago. 

They state that " the law limits how long I can be sued on a debt. Because of the age of my debt, XXXX XXXX XXXX will not sue me for it, and XXXX XXXX will not report it to any credit reporting agency ''. 

I wish for this company to cease and desist contacting me for presumed debit or any other reason. 

Thank you for your help in this matter as I have been unsuccessful in getting this company to stop contacting me.
Consumer complaint received 2022-08-15
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. (NY)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-07
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. (PA)

i sent this letter on XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following. 

Creditor : XXXX XXXX XXXX Account # : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX for Equifax, XX/XX/XXXX for XXXX and nothing for XXXX Creditor : XXXX  XXXX XXXX Account number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX Equifax, Closed date XX/XX/XXXX Equifax. XX/XX/XXXX last activity, XX/XX/XXXX closed date XXXX. 

Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX Equifax, XX/XX/XXXX XXXX and no date for XXXX. 

Creditor : XXXX XXXX XXXX Account Number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XXXX XX/XX/XXXX, Equifax has no date nor does XXXX. Closed Date is different, XX/XX/XXXX Equifax, XXXX XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Never sent a updated copy of my consumer credit report reflecting the corrections.
Consumer complaint received 2022-08-15
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. (CA)

I am bothered! I have been sending letters to the Credit Bureaus requesting t=for them to remove the disputed fraudulent accounts and erroneous information completey from my Credit Report and yet they have failed to do so! I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the FCRA section 605b. This Federal law has been clearly violated by the Credit Bureaus by continued reportingof the disputed items without providing me copies of documentation bearing my signature to supoport both the Credit Bureaus and the Creditors ' claims that the items belong under my name. I am submitting this complaint to remind the Credit Bureuas of theit duty to comply with the FCRA section 605b and remove the following accounts and information completely from my Credit Report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am having several issues with both TransUnion and XXXX. I 'll detail my concerns for both in XXXX separate complaints. My biggest concern is with TransUnion. First, and most importantly, TransUnion has inaccurate information on my credit report. I have a creditor that was discharged under chapter XXXX bankruptcy that still shows repeatedly under " open collections ''. Not only is this creditor listed under open collections when it should n't be, but the same debt from them shows multiple times, under multiple lines, insinuating there was more debt owed to them than there actually was. These appear as derogatory marks on my credit report. My second concern is that my attempts to resolve this with them has been unsuccessful. For four years now I have been unable to login, create an account, view my annual free report, file a dispute, etc. I am totally and completely unable to do absolutely anything with TransUnion. I have attempted to file a dispute both online through their secure website, and over the phone with a representative, and have been unable to do either. Every year when I login through the annual credit report website, I 'm only ever able to view and save my Equifax report. I receive varying error messages from TransUnion, ranging from " we ca n't process your request at this time '', to " the information provided does n't match our records '' to " We are experiencing technical difficulties and can not process your request at this time '', etc. This happens every single year and it 's been atleast 4 years since I 've been able to access this information from TransUnion. Last year their site said I had already accessed my free report, and that was n't true. I attempted to resolve that issue last year and they absolutely refused to help me, despite my repeated attempts. It got to the point where I gave up. I want to have this creditor removed from the open collections section of my credit report. I also want my rights to my free report restored, and I want them to have their IT department figure out why I ca n't create an account. I also want the XXXX XXXX XXXX hard inquiry removed from my report as I did not authorize this inquiry. If I were able to actually complete a dispute with them I would notate this on the dispute myself. I feel my rights are being taken away by this company and I 've been trying for years to resolve it to no avail. I need to be able to dispute any inaccurate information that is negativity effecting my credit score. This company seems to have no sympathy for my situation, and TransUnion has been downright combative in resolving it. I 've already disputed this particular creditor with XXXX, as they actually make it easy and I 've never had any issues with them. Please help!
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Inquires were removed off of my Credit report and then reinserted without notice or reasoning which is against FRCA 611 Listing all inquiry name and dates XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2021-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i sent this letter on XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following. 

Creditor : XXXX XXXX XXXX Account # : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX for XXXX, XX/XX/XXXX for Transunion and nothing for XXXX Creditor : XXXX  XXXX XXXX Account number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX XXXX, Closed date XX/XX/XXXX XXXX. XX/XX/XXXX last activity, XX/XX/XXXX closed date Transunion. 

Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX XXXX, XX/XX/XXXX Transunion and no date for XXXX. 

Creditor : XXXX XXXX XXXX Account Number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing Transunion XX/XX/XXXX, XXXX has no date nor does XXXX. Closed Date is different, XX/XX/XXXX XXXX, Transunion XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Never sent a updated copy of my consumer credit report reflecting the corrections.
Consumer complaint received 2020-07-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (AL)

During the time frame of XX/XX/2017 to XX/XX/2017, I was stationed at XXXX XXXX, SC, attending XXXX XXXX. During this time I had no access to my account and was unable to make phone calls, My rights under the The Servicemembers Civil Relief Act, protected me from missing payments during training under these months. After training, I made multiple attempts to contact Chase to settle these issues, only to be denied access to my accounts due to my email address being compromised. I settled by making payments on my account, but my credit was severely affected. As this credit is 3 years old, I have been forward XXXX  to XXXX for 3 years, with 1 year being in the XXXX XXXX, and other parts of the earth. I am now trying to settle this dispute again, after multiple calls from my wife, who was denied access to my information, even with a power of attorney. I wish to fix my credit at this time, erase the credit history that was built up due to lack of communication, and be reimbursed accordingly to the SCRA.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

15 USC 1681b : ( a ) In general : Consumer reporting agencies may furnish consumer reports under the following circumstances : In response to a court order or federal grand jury subpoena. 
In accordance with the written instructions of the consumer to whom it relates. 
To a person that the agency has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 
To a person that the agency has reason to believe intends to use the information for employment purposes. 
In connection with the underwriting of insurance involving the consumer. 
In connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. 
For a legitimate business need in connection with a business transaction that is initiated by the consumer. 
To review an account to determine whether the consumer continues to meet the terms of the account. 
To determine a consumer 's eligibility for a pre-screened offer of credit. 
Practical Implications : Permissible Purposes : Consumer reports can be obtained and used only for specific and permissible purposes as outlined in the statute.

Written Consent : Consumer reporting agencies can provide a consumer report if they have the written instructions or consent of the consumer.

Credit Transactions : Information may be furnished to persons involved in credit transactions, including the extension of credit, review, or collection of an account. 

Employment Purposes : Consumer reports may be used for employment purposes, such as in the hiring process, with the consent of the consumer.

Insurance Underwriting : Information may be used in connection with the underwriting of insurance involving the consumer.

Governmental Benefits : Consumer reports may be used to determine eligibility for licenses or other benefits granted by a governmental instrumentality.

Legitimate Business Need : Reports can be obtained for a legitimate business need in connection with a business transaction initiated by the consumer.

Account Review : Consumer reports may be used to review an account to determine if the consumer continues to meet the terms of the account.

Pre-Screened Offers : Reports can be accessed to determine a consumer 's eligibility for pre-screened offers of credit. 

It's important for businesses and entities that request consumer reports to ensure they have a permissible purpose under the FCRA and comply with the law 's requirements. Consumers also have rights under the FCRA, including the right to know who has accessed their credit report and for what purpose.