davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (CA)

Mohela denied me opportunities to lower my monthly payments. 

Mohela charged off my account without any warning when I only had {$10000.00} left to pay on the account. 

Mohela did not explain the consequences of a charged off and that the default date would happen on XX/XX/2023. 

This timeline establishes that a least week before the discharge/default, Mohela did not give me any warning that my loan would be in default on XX/XX/2023. 

XX/XX/2023 I received an e-mail from Mohela with the subject line, Final Notification, which stated : Your private education loan is being reviewed for assignment to a collection agency. I called Mohela immediately to discuss a repayment plan. I was and still am unemployed, but I was willing to use the last bit of money I had to avoid default. I spoke to a representative and applied for a Loan Modification. I was denied. Apparently, my expenses exceeded my income, so I could not qualified for the lower payment. My monthly payments were {$1000.00}. I could not qualify for a lower payment of {$200.00}, which I offered to pay right then on the call. This did not make any sense as the reason why I am experiencing a hardship is because I do not have sufficient income to meet all my expenses. 

XX/XX/2023 I receive a letter from Mohela with this date in which they said that my request for a Loan Modification was not approved. The reason for the decision in the letter is : Your current stated cash flow is not sufficient to repay the loan within the parameters of the loan modification. 

XX/XX/2023 The account was discharged ; I did not receive any calls from Mohela on this date to warn me about what was going to happen and to try to work with me to make a payment. If I knew this would happen, I would have asked my friends or Dad to borrow money to delay the default.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX  system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my score.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Subject : Dispute of Incorrect Collection Status on My Credit Report Disputed account : XXXX XXXX XXXX open date : XXXX XXXX, XXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute an erroneous account status that is currently being reported on my credit report. Specifically, I am disputing the status of my auto loan account, which was held with XXXX XXXX, as it is inaccurately listed as being in collection with a balance of {$0.00}. I believe this information is not only incorrect but also damaging my credit profile, and I kindly request your assistance in rectifying this issue. 

The details of the situation are as follows : In XX/XX/, I was involved in a significant accident resulting in a total loss of my vehicle, which had been financed through XXXX XXXX. Despite the loss, I continued to make my monthly payments on the auto loan to ensure that my payment history remained unblemished. 

I maintained these monthly payments through XXXX, XXXX, XXXX, and XXXX, even though I no longer possessed the vehicle. My intention was to prevent any late payment notations on my credit report, demonstrating my commitment to fulfilling my financial obligations. 

In XXXX, my insurance company, XXXX, officially confirmed that they had settled the outstanding balance of the auto loan. As a result, I ceased making monthly payments to XXXX XXXX. 

In XXXX, I received a refund from XXXX XXXX  for the payments I had made beyond the date when the insurance company had covered the balance. This refund confirmed that my financial obligations were indeed met, and there was no remaining debt. 

It has come to my attention that despite the timely and responsible nature of my payments, my credit report indicates that this account is in collection with a {$0.00} balance. This inaccurate representation is severely affecting my credit score and overall creditworthiness. 

I kindly request that you promptly investigate and rectify this situation. The account should reflect its accurate status as a closed auto loan with a XXXX balance, as it is not, and has never been, a collection account. I believe that this correction is essential in restoring the integrity of my credit report and ensuring that my credit score accurately reflects my responsible financial behavior. 

I have attached supporting documentation, including proof of the insurance settlement and the refund received from XXXX XXXX, to substantiate my dispute. Please review this evidence carefully and update my credit report accordingly. 

Thank you for your prompt attention to this issue, and I look forward to a favorable resolution.
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I disputed the debit with XXXX XXXX and XXXX they took almost 3 months to give me any answers. This debit was bought by Portfolio Recovery a debit agency after 4 years. 
The creditor was XXXX XXXX XXXX XXXX merchant XXXX amount {$470.00}. I found out that I was in a public data breach with XXXX where my personal information was compromised and may have been used in identity thief. Portfolio recovery stated that this debit is validated with this XXXX company. My debit to them was satisfied years ago.When I found this on my credit report I disputed it immediately, then I found out I was in a data breach. I am protesting this and want it removed by the Collection agency. When I looked into this debit it was bought by 3 different collection agencies. This agency sent me a letter asking me if I wanted to settle my debit for {$160.00} now tell me this is not another scam.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

In late XXXX early XXXX I had noticed that there had been a large amount of spending on XXXX on my chase card.. So i confronted my girlfriend who is an authorized user and she denied the spending. We looked at her XXXX account together and found that all her charges were on our joint XXXX XXXXXXXX account, everything was legit. However none of the charges on our chase card lined up with anything on her XXXX card. So I contacted chase bank. I disputed all of the charges on my chase credit card that were from XXXX and they credited the account and opened an investigation. a few weeks later they had charged back all of the credits and sent a letter stating that i was responsible. I got back on the phone with them and asked how they came to this conclusion. they stated that they had got a document from XXXX showing that my card had been used and that shows i was responsible. i asked where these items were being shipped to and they stated an address on XXXX XXXX in XXXX XXXX florida. we have never had any association with anyone there nor would have sent anything to an address in that area for any reason. i asked to speak to a supervisor and i asked him how could they do a actual investigation and come up with my being liable when no one has even bothered to reach out to me asking if this address had anything to do with me. he said that because there are so many charges over a long period of time it looks suspicious on my end and that proving otherwise would be a challenge. he agreed to open up the investigation again and look into this, a week later i got the same answer. i am liable for all these charges. he said i would need to get with XXXX for any further help. I will agree that i made the mistake of paying my chase credit card bill every month without verifying that the charges were all legit. my issue is that the charges are all relatively small however they added up to around XXXX XXXX dollars in a 9 month span. i pay my credit card every month and thought it was my girlfriends regular spending. after confronting her about it is when i found out these were all unauthorized charges. Chase bank has told me that there isnt anything they can do about it after the investigation. 

I have an XXXX account and so does my girlfriend. the card in question is not associated on either of our accounts. I can prove that. The charges on the card all have items shipped to an address in XXXX XXXX florida, i have nothing to do with that address. these are clearly fraudulent charges on my card. but chase is telling me i am stuck footing the bill for these because they can't prove that these are not fraud.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ran my credit report on XXXX XXXX XXXX for all 3 company 's and discovered Identity Theft occurred. I was not able to download my XXXX and Transunion report b/c of technique issues I was having. I found I have an unauthorized account that was recently charged off to collections named XXXX  XXXX opened on XX/XX/2022 and charged off and sent to collections for the amount of {$3700.00}. ( see attachments ) I was only able to down load the XXXX Report but it does not show the loan from account services. 

I need to do a credit freeze, and dispute the loan that is on my credit report. I also need my full credit report from all 3 companies b/c they are all showing different things. I am a victim of Identity theft and need to resolve this asap but I am unable to do anything b/c I can not speak to a real live person and I am locked for not having the correct information when requesting it from the other 2 major credit agencies. 

XXXX XXXX XXXX Transunion
Consumer complaint received 2018-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on all 3 loans on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-02-20
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HEARTLAND PAYMENT SYSTEMS INC (GA)

I contact XXXX XXXX  on or around XX/XX/2018 to get a copy of the promissory note for this loan.It has been over 30 days and the debt collector has not provided proof of the loan as required by the Fair Credit Reporting Act.
Consumer complaint received 2018-02-21
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. (TX)

In XXXX XXXX  2017, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I didn't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XXXX XXXX 2017, I sent goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved. 

I tried to get this issue resolved already by contacting the company directly and submitting a complaint to the CFPB directly. Both of those were unsatisfactory and I would like other entities to investigate this matter, if possible. I have documentation from a representative of XXXX stating that the late payment was refunded, therefore implying that the late payment is inaccurate and needs to be removed from my credit report immediately. Additionally, I contacted the company to be informed of their relief efforts of victims of Hurricane Harvey and was not given a direct answer. This is not proper customer service. 

Finally, their response of saying that they are unable to remove it is blatantly false and should be investigated. I have had other credit card companies able to remove the payments from the reports, so them saying they are unable to modify is incorrect. Please investigate this company and my matter to the deepest extent possible.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XX/XX/XXXXOriginal Amount : {$220.00} Original Creditor : XXXX XXXX XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX< Pay Status : >In Collection<
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MA)

I had an American Express card which I only used as a backup card. Company : https : //www.americanexpress.com/ In XXXX, 2022, I spend {$18.00} using the card. For some reason, I have not received an electronic notification that the bill was due. As a result, American Express charged me 100 % of what I owed in late fees. My late fee was literally {$18.00}. 

I called their customer service and explained that I have not received electronic notification and that I dont believe it is legal for them to be charging me 100 % of what I owed in late fees. 

I have excellent credit and I have never before been late with a payment. Thus, I requested cancellation of the late fee, which American Express refused. 

In XX/XX/2022, I filed a complaint with XXXX, which American Express did not respond to. As a result I have cancelled my American Express Account. 

I do believe that failing to send me an electronic notification about the bill was premeditated strategy to extort money from the customers. I also do not believe that the company should be allowed to charge as much in late fees as the customer owns. 

I would like American Express to refund me {$18.00}. 

Please see the attached supporting documents. 

Thank you for your consideration. 

Sincerely, XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ID)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

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. 

XXXX XXXX XXXX XXXXXXXX, 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 an 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 2023-12-27
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: Experian Information Solutions Inc. (TX)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2024-10-05
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. (FL)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (KS)

This is the 3rd time I am writing this, as it disappears as I click a link like the one below. 
Harris and Harris Ltd. calls every other day using a recorded message stating they are debt collectors. The 3rd week in XX/XX/XXXX I called them and asked why and how they collect using a recording. The woman became agitated and said that's what we're told to do. She said that she checked my phone number and I didn't owe any money. I asked if she was sure so she asked for my cell number. Immediately after I gave her my number she repeated that I didn't owe anything and was anxious to end the call. The calls stopped through the holidays, then resumed. For XX/XX/XXXX calls were received on the : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other calls have deleted as they exceed the number of calls I ; m able to save on my phone.