davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

On XX/XX/XXXX, my Student Aid portal was updated. I went to check and stated there is an active loan with MOHELA for {$47000.00}. I went to check MOHELA, as I knew this was not right. This loan was discharged per the PSLF guidelines on XX/XX/XXXX. See letters attached from MOHELA. Sure enough, the loan that was discharged and forgiven is now " open ' on this account. I called and talked to two people. They confirmed this was discharged and can see the letters. After 1:30 hr hold time, I was then met with an advocate who stated that a 'review ' would have to be done to make sure this is the 'right ' loan. Okay, this is the only loan of two that magically was placed back to open status as forbearance. One, I am not in forbearance, that loan was legitimately forgiven/discharged on XX/XX/XXXX. Second, I just started to take classes online with 4 classes to go. Graduation date is XX/XX/XXXX. The only loan I would have open would be for the XXXX school year for the amount of {$12000.00} approximately and that wouldn't show up with MOHELA until in school deferment is completed and graduated in XXXX. 

Dealing with MOHELA has been a nightmare from the get-go. They can not seem to get their act straight and now they are bringing back phantom/discharged debt to try and collect on it. This is straight FWA and illegal on MOHELA 's part. The worst part is, instead of taking care of the obvious human error right away, they are making their clients follow up with THEM and do the leg work, calling them out and pointing out their missteps and not expediting these cases to make them right. It is a really bad way to do business and I did report FWA to the OIG/USDEd because now they are going to try and charge me interest once the COVID 19 restrictions are lifted AND report this to the credit agencies for a phantom debt. If they do not resolve this with the next two weeks, I will get a lawyer for FWA charges.
Consumer complaint received 2024-02-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CrossCountry Mortgage LLC (IL)

I applied for a loan modification with my mortgage company back in XXXX of 2023. The modification was approved and shortly after they transferred my mortgage to another company. I was told not to pay for the XXXX payment but instead pay for XXXX because that was the start of the modification for 3 months. After the mortgage was transferred, I kept calling to make sure this information was accurate because I did not want to have a late payment on my credit. Every-time I have called they told me they do not see a payment due for XXXX but they do see the one for XXXX. I went ahead and made that payment in late XXXX. I then went a step further and contact CrossCountry through the XXXX XXXX XXXX to verify that this was in fact accurate. The response I got was that there were no payment due in XXXX and XXXX payment is next due to the modification. Now we are in late XXXX and I keep getting letter stating that I have a past due amount. This is extremely frustrating because no one knows what's going on with the loan. I need this issue resolved.
Consumer complaint received 2023-08-18
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)

On XX/XX/2023 I the consumer XXXX XXXX XXXX went to this dealership to enquire about purchasing a vehicle. 

Upon figuring out the terms it was revealed that i didnt have the capability to pay the loa. Therefore the dealership told me they would not run my credit. 

That was a lie. They ran my credit after saying they wouldnt.

15 usc 1602p states The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon viewing my most recent credit report, I found 2 names, 2 addresses and 2 phone numbers associated with my account which are not correct. According to CFR 1022.3 - Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Therefore, anything added to my report without my written consent is to be considered identity theft. I ask that you remove the information listed on my credit report, immediately. 


Addresses : XXXX XXXX XXXX XXXX NJ XXXX : address ID # XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Names : XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX Phone Numbers : XXXX XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-31
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. (FL)

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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2023-12-02
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: NAVY FEDERAL CREDIT UNION (FL)

I paid {$10000.00} to XXXX XXXX using my navy federal card on XX/XX/2023. XXXX XXXX, XXXX XXXX, and XXXX XXXX, her team promoted turnkey XXXX XXXX XXXX XXXX rentals for a monthly XXXX. XXXX stopped once XXXX and her team received the money. That service was never rendered. The monthly profits were never paid out. In fact, it was all fraudulent. The link to the XXXX XXXX XXXX never existed. The apartment complex has stated she was never allowed to do such business in these apartments. The profit/ loss statements were copied/pasted. I have found XXXX other investors with the same unit number as myself, who have invested {$10000.00} or more each, same profit/loss numbers on their statement, and no profit for investors. I have filed a police report, along with XXXX people with the same complaints. She has been on the news, with multiple people accusing her of very similar scams. I have reached out to navy federal credit union, and disputed the charges, with no assistance.
Consumer complaint received 2023-12-02
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$11000.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-12-02
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. (LA)

I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block the items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-02
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. (NC)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
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: EQUIFAX, INC. (VA)

I received a copy of my consumer report recently after being denied an extension of credit due to reported late payments. Consumer reporting agencies have a duty under federal lawto report consumer information as accurately as possible. The items in this dispute have different information reporting across all bureaus which is a violation and not reporting 100 % accurate as required by law. I have never been late on payments for the account listed in this dispute. By law they must produce proof with statements proving that these payments were late as required. If they do not provide sufficient proof then this constitutes noncompliance and is a violation under 15 US Code 1681i ( e ).

I sent my initial letter to the credit reporting agency on XX/XX/2023 informing them that there was inaccurate information and that they had 30 days to do investigate per the FCRA and failed to investigate in the allowed time frame. I sent a demand to comply letter XX/XX/2023 informing the credit reporting agency that they failed to follow procedure and that I never received investigation results and they still refuse to investigate and send me results. 
More than 60 days had passed so I drafted an affidavit of facts on XX/XX/2023 outlining all the violations they committed and sent to the CRA along with a CFPB complaint. The company responded via the CFBP complaint portal that they have 60 days to respond. It has been more than 90 days since my initial notice which is more then allowed under the FCRA. I am demanding the items in this dispute be removal immediately and my affidavit is rebutted as required under law now!!!!
Consumer complaint received 2023-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/XXXX and I noticed that this Inquiries had been made XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-16
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: Westlake Services, LLC (FL)

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX of adverse action by XXXX from Westlake Financial advising me of denial of an auto loan applied for on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX Florida, over XXXX miles from where I live. This denial listed the reasons of too many work phone numbers and too many email addresses to approve the applicant. Neither which would apply to me. Knowing my credit has been frozen for a long time with fraud alerts due to excessive identity theft and I had not done any lifts any time recently, I immediately called the company listed on the letter, gathered all the information they could provide and checked my credit reports. Both XXXX and XXXX looked secure with no changes and no inquiries had been made. Neither had any freeze changes at that time either. XXXX, however, though no freeze had occurred since XXXX, showed a hard inquiry from Westlake on the date on XX/XX/XXXX. Westlake had advised that it was odd I had received this letter more than a month after the application and it had long been expired. The credit reporting company listed on this letter was one I was not aware of. XXXX XXXX XXXX XXXX XXXX Department in XXXX XXXX, CA. I located their contact information and immediately sent them an email to remove any information they had obtained on me and rescind any they had sent to other companies as it was obviously wrong by the absurd reasons listed on the letter and unauthorized recent of personal information on my XXXX report while under a freeze. I explained that I had NOT applied for any auto loan and I would be reporting this breach of privacy and data to the proper authorities. I received a response that was a request to call them. I declined and reiterated that I was under no obligation to communicate with them and had no knowledge of them or their business with me. The reply I received was borderline threatening and stated there would be an investigation and I was to be possibly notified pending the outcome.
Consumer complaint received 2023-08-16
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. (NC)

This complaint is for EQUIFAX, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-29
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: Atlanticus Services Corporation (WA)

I was called by a place that said that they were XXXX XXXX firm. Their number is XXXX. I talked to a supposed lawyer named XXXX XXXX at XXXX. XXXX. He said that I owed {$2200.00} on an Aspire Credit card from 19 years ago. They said that they were going to file papers for a lawsuit in the amount of over {$4000.00} for court and lawyer fees. He told me the last 4 digits of my social security number after he asked for my birthdate. I told him that this exceeds the statute of limitations. He responded that the statute of limitations does not apply to my debt owed. I also said paying on a debt that old would go against my credit score. He told me it would drastically improve my credit score. This goes against everything I've ever learned on debt collection practices. I told him that I will need to consult a lawyer. I paid for a lawyers advise on XXXX for {$60.00} and a one time {$5.00} fee. The lawyer on that site name XXXX said that this XXXX XXXX from XXXX XXXX firm is trying to trick me into paying the debt. XXXX said the debt exceeds the statute of limitations and that they can not file a collection lawsuit. I was pleased with this answer and did not return a call to XXXX XXXX firm, as they requestedXXXX XXXX XXXX XXXX ( XXXX ) phoned a couple days later, with a woman speaking, and left a message that they were going to file the paperwork for a lawsuit and for me to call them back immediately. I tried calling when I got home from work to explain my lawyer advise, and there was no answer and no company description on their voicemail system. It just said to leave my name and number in an automated voice, as a normal personal voicemail does. I am not sure if this is a scam, as I know that I had credit problems long in the past, but don't remember if I had an Aspire card? I now have good credit and have not missed a payment in as long as I can remember. I am confident that they can't collect a debt on something so old, but they are trying to harass me into paying this debt. I feel obligated to pay any debt that I owe, but need better proof that I even owe this debt. How in the world can most remember a debt from so long ago?
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

In accordance with the Fair credit reporting act, Capital One, has violated my rights under the following : 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TN)

I was contacted by this company who stated that I owed them for a washer and dryer rental/purchase. This account does not belong to me. I did rent a washer and dryer from XXXX over a decade ago. However, that up account was paid off in less than a month. I do not know anything about this current account or who opened it. I spoke to two different people at this company and asked them to provide verification of this debt but they refused and were very rude and threatened to sue me.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

An authorized user on my Citi card account used my Citi credit card to pay for a car service ride from XXXX XXXX to the XXXX XXXX XXXX NY XXXX on XX/XX/2023. This is roughly a XXXX XXXX XXXX XXXX. The car company, showing on my credit card statement as XXXX XXXX XXXX XXXX NY ' , quoted {$85.00} for the ride. The credit card was provided for payment without the amount being shown on a payment device. A receipt was requested, however the driver said he did not have a paper receipt and he would email the receipt. An email address was provided, however receipt was never received. We were given no other detail on the business, no business card, no company name, or no way to contact the car service. 
When the charged showed up on my account, it was for {$920.00}, which was {$840.00} more than was quoted for the service. This was an obvious fraud/theft situation that I expected would be resolved by Citi. 
I disputed the charge with Citi on XX/XX/2023, the same day I was made aware of the charge. 
On XX/XX/2023, I was notified that my dispute was denied because I was unable to provide any documentation or receipt of the charge. 
Without any means to contact the car service company, Citi provided me with a phone number that they had for XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX. However, this phone number is actually the customer service phone number for XXXX, and has no affiliation with this car company. Another red flag that I would think would make this an obvious fraudulent charge. 
Citi would not provide me with any detail about the car service company, their issuing bank, or anything. They instructed me that my only recourse was to call the Better Business Bureau. Unfortunately, I can't file a BBB complaint about a company whose name I don't know, and whose phone number is fake. 
While this was clearly a fraudulent charge, Citi does not consider this to be a fraudulent charge because we purposely transacted with the company, regardless of whether the charge amount was what we verbally agreed to. At this point, I don't have any recourse with Citi, and have no recourse with the car service company because I can not identify them.