davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

I am enrolled in XXXX XXXX XXXX XXXX with Mohela. As such, I believe I am required to recertify for income drive repayment year, though this has been affected by COVID. Anticipating the need to recertify ahead of payments and seeing notifications on the Mohela website, I submitted a recertification in XXXX of XXXX. I received a denial XX/XX/XXXX stating it was unclear if my request was intended to recalculate the monthly payment. I was confused by this statement and called Mohela. They stated they did not understand the denial and that I should resubmit. I resubmitted again and was denied again XX/XX/XXXX. I called Mohela and different representative stated they did not understand the denial but when I asked if I needed to recertify that affirmed, YES, that I did. That representative completed the recertification over the phone and the decertification was process. I now have a payment that is SIX TIMES what was expected prior to recertification. At no point did the customer services representatives or the website or even the denial letters simple explain that recertification was not due until XXXX  months after payment restarts. That language did not come up until I received my recertification letter with my new payment amount. I believe I was intentionally misled in order to make higher payments. 

I called Mohela today XX/XX/XXXX in order to remove the recertification as I have seen evidence that the situation can rectified this way and declined to remove the most recent recertification. I also asked to be recertified given my plan to file separately in XXXX and the told me I was unable to include future information in my current recertification. Additionally, they told me recertications processed over the phone can be inaccurate, but still declined to remove the recertification even though the only attempt approved occurred over the phone.
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IL)

Starting in XXXX, I have been emailing, calling, and attempting to use EdFinancials online chat service but to no avail. I have been trying to get in contact to ask for my amortization schedule in order to begin prepping for loan payments to begin. After scouring their site, it seems the only way to obtain this schedule is by asking for it from an agent. There is no easy link ( at least not one readily visible ) to request this information Most of my emails have gone with no reply, I only have got one single answer and they said it would take a minimum of 41 days to get me my report. 

Whenever I would call, the robot would say the hold time is at least 200 minutes, they would then say I can schedule for a call back when it's my turn in line. But not once from the 10+ calls I've made, have I ever gotten a call back. I have even made sure to call early in the morning so that the scheduled call back comes within regular work hours XXXX XXXX ET, to make sure I wasn't missing my window. 

Lastly their online chat service does not allow me to request my amortization schedule and whenever I ask to be connected to an agent, it always says that that service is unavailable. 

Their is no other way to request that schedule other than talking to an agent. And yet they make reaching an agent totally impossible. It seems very obvious that this is a purposeful way to slow down repayers and allow themselves more time to accrue interest payments. It's disgusting how hard it is to obtain my own information.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NY)

My account was in arear and I applied to the NYS Housing Assistance for help and on XXXX XXXX NYS sent a wire [ check ] to my mortgage company ShellPoint Mortgage in the amount of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) to be applied to my account. 
I called Shell and ask for my credit to be updated and was told that would be updated on XX/XX/2023. Today I pulled my credit and was surprised to see the in accurate information that was reported to the credit bureau. It states that I am 120 days late and that my balance has been increase to {$220000.00}. As a result XXXX XXXX has closed my account.I find this deceptive because each month they report my credit to the burau but nothing like this. Why when a payment is made something like this could happen. Please I am asking you for help because I have no one advocating for me. Please see attached from the credit bureau. 
Thank you. 
XXXX XXXX
Consumer complaint received 2023-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IA)

XX/XX/XXXX  I was notified via my credit monitoring service that a Collections flag was added to my credit report for {$52.00}, added by CREDIT COLLECTION SERV, for debt purchased from XXXX XXXXXXXX XXXX. 

XX/XX/XXXX  Contacted CREDIT COLLECTION SERV about collection acct. # XXXX not belonging to me. Because MY personal information did not match theirs they would not assist in removing this accusation from my credit report, or provide any additional information about it. Instead required me to send my personal information, ( photo copy of my State ID, AND a copy of my credit report to them either by FAX or postal mail ( either could be intercepted by any number of " bad actors '' and subsequently used in identity theft ). 

XX/XX/XXXX  Contacted XXXX XXXX XXXX ( original creditor of the acct in question ) Who provided the original policy number and the name of the person to whom the debt belongs. XXXX also noted the account ( policy # XXXX ) with our discussion and verified the debt did not belong to me, and stated the collection service call them. 

XX/XX/XXXX  Contacted CREDIT COLLECTION SERV again with the new information obtained from XXXX, and requested they call XXXX to confirm. I was told this would not happen and again instructed to put my personal information in jeopardy by sending it to them. At this point I was getting angry, to me, the impression of their response was to NOT target the actual debt bearer, but to extort ME for MY personal information. At the time I stated, I would be contacting an attorney. 

XX/XX/XXXX  Opened a dispute for the collection through XXXX XX/XX/XXXX  Opened a dispute for the collection through XXXX XX/XX/XXXX  Opened a dispute for the collection through XXXX XX/XX/XXXX  In lieu of contacting an attorney, I'm filing this complaint.
Consumer complaint received 2023-09-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

Purchase of a Vanilla Visa Gift Card made at a XXXX XXXX location on XX/XX/XXXX for the total amount of {$500.00} ( {$490.00} value and {$5.00} activation fee ). When opened, the card was missing digits on the front XXXX through XXXX as shown in the picture. The last 4 digits shown on the receipt for the gift card did not match the card 's digits ( XXXX vs. XXXX ). Suspected fraud and contacted customer service on XX/XX/XXXX and XXXX, only to be told that the replacement card was going to be issued and sent to me via mail within 5 business days. No mail received and called again on XX/XX/XXXX and was informed by an agent that because this was a tampered card case, now requires supporting documents as attached here plus my state ID. All requested documents sent via email on XX/XX/XXXX for case # XXXX and received confirmation email. However, I was informed by multiple agents on the phone that this will now take additional 30 days to resolve without any additional compensation. My funds of {$490.00} has been locked due to the nature of the case and plus activation fee of {$5.00} is essentially wasted for now ( no activated cards available ) due to a faulty product, none of which I am responsible for.
Consumer complaint received 2023-09-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EGL US, LLC (MD)

On XXXX I was contacted multiple times by BMG money after telling that that I was at work at would call them back. 

XXXX-I was waiting for a XXXX  meeting to start and sent the call to voicemail ( they did not leave a voice mail ) XXXXStill waiting for a Zoom meeting to start, took the call and advised XXXX I would call back and that was at work XXXXCalled by an autodialer, placed on hold for 3 minutes, connected to XXXX who I told I was at work, and asked why they called after I told them I was at work. XXXX advised that it was an auto-dialer that called me. I responded their auto-dialer is not my problem and should be able to abide by the FDCPA and honor my request to not call me at work. 

I find multiple phone call days to be harassing
Consumer complaint received 2018-10-31
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. (CA)

I was living with a friend and moved out on XX/XX/2015 but didn't know I had left several personal identifying documents behind. I believe that friend or their associates used my personal documents and information to obtain several credit accounts and vehicles in my name. I have confronted several people concerning these accounts once I had become aware of them but they say it could've have been anyone but them.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX, I applied for an AMEX XXXX XXXX credit card in the XXXX XXXX XXXX in XXXX XXXXXXXX XXXX using the terminal in their office direct with American Express. The sales person knew I already had a XXXX XXXX XXXX credit card. The promotion was 0 % interest for 15 months and if you charge {$6000.00} in the first 6 months you get XXXX bonus reward points. Upon approval for the card ( XX/XX/XXXX ), I charged {$15000.00}. I still have not received my bonus rewards to date. 

I called AMEX several times. I received many different answers. I opened 2 different cases. AMEX is telling me I am not entitled to the bonus rewards because I already have a XXXX XXXX XXXX According to the terms & conditions, which I have attached, if you opened a XXXX XXXX card within the last 24 months, you can not receive the bonus points. I opened my XXXX XXXX card in XX/XX/XXXX. 

I called the XXXX sales team I purchased with and XXXX corporate. They do not want to get involved. They said it is an AMEX promotion. Needless to say, I am very frustrated with both American Express and XXXX. I am very hopeful the Consumer Federal Protection Bureau can help me resolve this issue. Thank you for your consideration of this matter.
Consumer complaint received 2024-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - Chapter : XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report.

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information.

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous.

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made.

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose.

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation.

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX  I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information.

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-26
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. (AR)

I was trying to cosign for my daughter a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are many items and collection accounts on my credit that need to be removed. These items are not mine. Please delete. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$6300.00} XXXX XXXX   XXXX {$1000.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2020-03-06
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. (NJ)

XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$950.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$55.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1800.00} In good standing XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX, XXXX. 
Reported : XX/XX/XXXX {$950.00} Closed XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$1500.00} Closed XXXX XXXX XXXX XXXX Reported :XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX  XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1600.00} Closed XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX   Reported : XX/XX/XXXX {$0.00}
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report.

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous.

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I think upon helping someone submit a claim for the cfpb it used my account instead and now my date of birth has changed to XXXX. My date of birth is XX/XX/XXXX and I am XXXX XXXX of age I have a Id that will show that as well
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.