davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I graduated medical school in XXXX of XXXX with {$150000.00} of federal student loans through MOHELA. Proactively, before I graduated, I attempted to enroll in the XXXX XXXX XX/XX/XXXX so that I could waive my 6 month grace period and start counting payments towards the XXXX which would qualify me for XXXX loan forgiveness. This application was not processed for unclear reasons and I even attempted to resubmit an IDR plan request XX/XX/XXXX. This was also not processed because allegedly I had to consolidate my loans to " waive '' my new graduate grace period. 

Nonetheless, as such, I went ahead and consolidated my loans and timely applied for XXXX. This application has not been processed since early XX/XX/XXXX and I have accrued more than {$1900.00} in interest while working for a recognized underserved area in Florida as a resident physician. 

According to XXXX XXXX XXXX XXXX If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for XXXX  and XXXX forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward XXXX or XXXX until their application is processed. Interest will not accrue in this general forbearance. '' My loans have not been processed for 5+ months and have been actively accruing interest. I expressed this to my mohela representative XX/XX/XXXX while experiencing stress about my incoming loan payment of {$950.00} due on XX/XX/XXXX, and she had no idea about this forbearance policy that I quoted directly from XXXX. 

Myself and several thousand other new physicians will not be able to pay close to XXXX or so dollars per month on our resident physician salaries of ~ $ XXXX. In addition, this same representative stated that she could only place my account under administrative forbearance 3 times ( each 60 day periods ) within a 18 month window. I have already exhausted 2 of my 60 day administrative forbearances. If this is the case, and the injunction and legal proceedings take 6+ months ( which is expected ), I will be ruined financially while working to serve the underserved in one of the counties in XXXX  that have the greatest need for physicians. 

This would be disastrous for myself and every other resident physician that has graduated with student loans. As such, I would like to file a formal complaint so that myself and thousands of other new physicians can be protected from MOHELA 's negligence and active mishandling/misinformation regarding our student loans. Please help. This subset of XXXX graduates who have not been able to enroll in XXXX plans due to mohela 's negligence is experiencing unjust circumstances that need to be investigated.
Consumer complaint received 2019-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (NJ)

Customer paid me for an order through PayPal, this was the fourth order customer had paid me for, all increasing in value. He stated he did not receive the items and filed a dispute. Upon investigating with my distributor and also XXXX, it was proven that the items were indeed delivered. I had spoken to PayPal and they had sided with me, resulting in my initial win of the case. Shortly thereafter, customer did something resulting in him re-winning the case and me losing out on {$1100.00}. I do not make much money on these orders, maybe 10 % if I am lucky. In this case, PayPal pulled money out of my account, made it negative and I also was not reimbursed anything for the product. PayPal then shut down my account and blocked me from logging in, so I would not be able to pay my PayPal credit bill with them. I was just forced to pay a past due balance of {$890.00} with them ( {$200.00} or so was paid a couple months ago ) so I can pay my credit card payment with them and not default. I tried to call PayPal to pay my bill and was automatically routed to a debt collection agency and was told " sorry, this is a catch 22, you can't pay your bill until you settle up with PayPal. Unfortunately you also can't use any part of the account unless you pay in full. '' So of course, I was forced to paying the entire bill at once so my credit isn't hurt. I am so frustrated that it's so easy for consumers to take advantage of a business and the companies you PAY to handle the merchant processing just XXXX you in the end.
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

On XX/XX/2019 I mailed a letter requesting validation which is my legal right according to Fair Debt Collection Practices Act. It has been over thirty days and I have yet to receive an response from the company in regards to Account # MIDLAND FUNDING LLC # XXXX. The company responded to XXXX but now to myself as the consumer. This company is not in compliance with The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. I asked the company to please validate by providing the following. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent I this company can not respond I will nee this information forwarded to the Attorney Generals office. CC : FTC
Consumer complaint received 2019-11-05
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. (FL)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report which also prompted me to contact the police and ftc. These items need to be deleted 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
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A & A North American Financial, LLC (MI)

A Summons was filed on XX/XX/XXXX for {$11000.00} from the creditor AMERICAN FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX and was allegedly served on XX/XX/XXXX. Not being aware of the summons filed against me, a Judgment by default was filed XX/XX/XXXX and entered on XX/XX/XXXX for {$12000.00}. Since that time Money has been garnished from my state income taxes and my bank accounts even though the funds were exempt. ( Social Security, XXXX benefits ) Trying to stop them from taking my funds I filed a motion to object garnishment on XX/XX/XXXX and I was denied. AMERICAN FINANCIAL continued to file writs of garnishments to collect my money that was exempt. as a result, I have not filed state income taxes and had to protect money from entering into my bank account out of fear of it being taken by the creditor. On XX/XX/XXXX the creditor filed a Motion for the Judgement to be renewed which expires XX/XX/XXXX. This is a black cloud over my head and has me living in fear. 

Not being familiar with the legal process I thought that there was nothing that could be done until a family member asked me a very simple question. " where did this debt come from? '' at that time I realized that the debt in question was from a company that I never heard of. XXXX Mastercard with an original alleged balance of {$6600.00}. the whole time I was paying the debt thinking it was from something else. After this realization, I filled a police report and wrote a letter to the creditor explaining what happened and I asked for validation of the debt along with my copy of the police report. this was on XX/XX/XXXX. I sent this letter certified mail and I gave them 30 days to respond and they never did. 

This creditor has used aggressive language and preyed on the fact that I was not truly aware of the situation.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, 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. (NC)

XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX BXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX I contacted XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Consumer complaint received 2019-11-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (GA)

I checked my credit and saw an account from SOUTHWEST CREDIT SYSTEM for {$510.00} for XXXX. I have no knowledge of this collection account and never received any written notice of how to dispute or settle the charges.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certegy Holdings, LLC (GA)

This company has never sent me their information. When a supervisor finally reach out to me. I was under the doctor 's car and i didnt write down her information correctly. This supervisor did inform me I would receive a refund, which I never received to date. Plus she did inform me that I would receive a paid in full letter. Plus the amount of fee ; s that I paid on this account. ALL I received from this company was a report of all the checks i have written. Nothing else. I called today spoke with two rude people one being XXXX Id # XXXX who refused to transfer me to a supervisor plus told me that she never saw that I spoke with anyone. Plus to say they are not a collection agency and she then would have a team member call me back. This is a horrible company that lies and refused to send me a paid letter of all my payments I paid. Plus refused to send me how much I have paid in fees. This is my 2nd complaint to CFPB.
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

I do not have a signed contract nor any contract with Amerifinancial Solutions. I have never done business with this company. I am not liable for collection from this debt from Amerifinancial Solutions. I am not responsible for this debt with Amerifinancial Solutions. I demand request be in the form of a verified statement by a person with  original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this  matter to enforce my rights under the FCRA.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX MXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-02-18
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: ID Analytics, Inc. (OH)

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX My full DOB is XXXX my SS # XXXX. Please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX   XXXX, XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2019-11-05
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. (AZ)

My XXXX XXXX XXXX XXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX   XXXX Visa account number is # : XXXX.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (LA)

i opened a American Expess ascend ( now XXXX  ) XXXX credit card. The terms and conditions is I will receive XXXX sign up XXXX points once the threshold spent are met ( XXXX $ / in 3 months ). I met the threshold spent on XX/XX/XXXX ( opened the card on XXXX, XXXX ). According to XXXX XXXX XXXX  of the account, XXXX Honors bonus points, will be credited to my XXXX account 8-12 weeks after the threshold amount has been reached. Today XXXX, spoke to Amex representatives XXXX, XXXX ( supervisor ) and XXXX ( XXXX 's supervisor ) and they told me will not get my points until 92 days after XX/XX/XXXX in which they can not explained why the date different from XX/XX/XXXX. I have tried 6 different times to resolves this by telephone and chats but the Amex 's representatives all ( except one ) gave me the same mistaken answers without researching further.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I lost my card while on vacation around XXXX XX/XX/16 and purchases totalling {$1800.00} were made fraudulently for about a week straight. I did not realize this until the next bill came. I called USAA around XX/XX/XXXX to report this fraud. My account was closed, the card was reissued, and credits were issued for the fraudulent purchases. I then paid the remaining balance for my purchases so the balance was now XXXX. No contact by either phone or mail was made since then. I noticed around XX/XX/XXXX that the credits issued for the fraudulent purchases were put back on my account. I called to inquire and was told that there is no way for me to speak to the fraud department directly and they would contact me. 2 days later I recieved a fraud affidavit in the mail which I immediately filed out, certified mail and faxed. I did call to confirm receipt but other than that, they have not contacted me in anyway, but still are expecting me to pay the bill which is due in XXXX. I was under the impression that it is illegal for them to require me to pay this until the investigation is completed. I also do not know if an investigation was even started since I can not get any answers from Usaa. I have called 4 times since then, spending at least an hour each call to get a resolution but have still received nothing.
Consumer complaint received 2019-11-05
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. (FL)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report which also prompted me to contact the police and ftc. These items need to be deleted 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
Consumer complaint received 2019-11-05
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-11-05
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. (FL)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report which also prompted me to contact the police and ftc. These items need to be deleted 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