davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
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. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-18
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: DISCOVER BANK (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, I am aware I have a Daily Simple Interest Loan & I understand how that works/means ... for my XXXX XXXX XXXX XXXX. I have paid my monthly payments early since day 1to minimize the total amount of interest I pay for the life of the loan. I paid my XX/XX/XXXX payment in XX/XX/XXXXXXXX  which means I am paid ahead my next payment was not due again until XXXX which I paid on XX/XX/XXXXXXXX  this payment in the amount of {$770.00} was paid online and scheduled as the XXXX Payment. Capital One applied it as an interest only payment and will not reverse it and apply it correctly as intended as the XX/XX/XXXXXXXX  payment. I am being told the interest had to be bought current. However, what I don't understand is why am I being penalized and being charged compounded interest by paying early I have requested these monies be reversed and reapplied correctly as a regular monthly car payment as intended and they have refused to apply them correctly I have paid this loan early and never been late or missed a payment I only want what is fair how can they take my XXXX payment and apply it to interest when I was paid 2 months ahead in my payment obligation. Please help I do not have XXXX to just give away to Capital one and receive no benefit of my hard earned $ when I am paid ahead... Any assistance you can provide is greatly appreciated... Thank you
Consumer complaint received 2015-10-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Suttell, Hammer & White, P.S (OR)

I 'm being sued by XXXX XXXX for an outstanding debt they tell me I owe and I 've been unable to fight back. I am XXXX XXXX and I was ran over. I now have a judgement and lien on me because these lawyers won in court because I was n't represented. I am sick! Oregon Case # XXXX
Consumer complaint received 2023-09-04
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. (NJ)

I am writing to formally dispute inaccurate information on my credit report, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report. To date, I have not received any response from them. I am providing the details of the inaccuracies and the necessary corrections below : Account Information : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$7000.00} Issue : The reported late payment on this account is inaccurate. There was never a late payment on this account.
Consumer complaint received 2023-09-04
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Cooper Hoffman Klein Associates (IL)

This company says they are Cooper Hoffman and Kline and Associates, threatening court case on my ex wife and they have been calling me for almost a yea.r I have called them back explained who she is to me that I have no information and I have also repeatedly asked them to stop calling my number. Its always a robocall from multiple phone numbers but they always leave the same call back number { XXXX } with a case number but each call is threatening. I am retired military and these calls keep coming, they are disturbing and I ca n't take anymore. Please help me to stop them, I have my number on the do not call list now. and I am going to file a complaint with all the companies that I can until this stops. Also I went on line and saw that there are many complaints about this company so now I know they are scamming people out of money. Pelase help!
Consumer complaint received 2023-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC (IN)

I have reached out to Shellpoint mortgage service, and now Newrez, XXXX times to resolve a simple mistake the mortgage company made when creating my loan. The loan added a parcel that was not to be in the loan. Multiple agents at Shellpoint confirmed it was an error and even told me they would resolve it. After several months and endless attempts with multiple people and divisions, no one ever did anything to actually resolve this matter. I have to now pay off the loan, pay pre payment penalties, and get a higher interest rate of about 3 % just so I can release the lien on my property that this loan was not suppose to be on. I have every bit of evidence and hired a firm to write the letter so all they had to do was sign the release. Unfortunately they never did and left me in a major financial hardship and endless stress and time wasted that I will never get back. This is the worse and most unprofessional experience Ive had to date with a company in my XXXX years on this earth.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is obligated by the FCRA to report accurate accounting. I/ME/the consumer advised multiple times that ALL the inquiries reported were fraud and said the company had the lawful amount of time to remove such items. I have reported XXXX XXXX XXXX XXXX and I see an entry listing a Bankruptcy I do not have a Bankruptcy. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy written is unverifiable and violates federal and state law, as stated above. A Bankruptcy filing is public information and UNITED STATES BANKRUPTCY COURT does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. This violates my rights under the FCRA therefore, I request that bankruptcy reporting be removed from my credit reports immediately. HOW can you VERIFY such INFORMATION when you can not legally access the information? 

An FTC fraud report was filed by ME the consumer and I had reported ALL INQUIRIES reported as FRAUD and I am now requesting Transunion to provide all documentation used to determine each inquiry was indeed authorized by ME the consumer. I am requesting the name of whom Transunion spoke with, the documentation used, and the wet ink signature of such contracts with XXXX XXXX  I AM NOT ASKING FOR THE E-OSCAR REPORT. IF Transunion does not have documentation to show these were in fact authorized by ME they must be removed.
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 14 XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2023-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MS)

I submitted a complaint yesterday regarding same problem, however over night I received more money to account. I had several messages from support saying that the problem with cash cards had been fixed and cards were working as should. Also received message saying cash app was back online and working properly. I attempted to cash out but said it failed, attempted to send to someone, said could not be completed, attempted to pay for something said it was declined. I contacted support was told they were sending to specialty team they would be in contact. Told them I had been told that for over week now yet no one had contacted me and demanded my money. Made them aware I had filed several complaints and filed a police report. They thanked me for information and said let them review my account. Nothing more.
Consumer complaint received 2023-10-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA (PA)

I retired from the XXXX XXXX and used my XX/XX/XXXX XXXX XXXX XXXX of {$80000.00} at XXXX XXXX in XXXX and graduated in XXXX. In XXXX of XXXX I was contacted by an origination named MOHELA. MOHELA stated that the forgiveness period for student loan forgives was over and that I owed the whole amount for college. I contacted MOHELA and ask them why I hadn't made a payment in almost XXXX years and who did I take the loan out through. They stated that they didn't know what the XXXX XX/XX/XXXX XXXX XXXX XXXX was and that they had no data, only that I owed for the whole amount. I requested copies of the original paperwork with my signature and dates on it. They have refused to provide anything and are causing me sever distress. I am XXXX and have XXXX XXXX due to my XXXX  in the XXXX  and can not pay a debt I do not owe again. I contacted XXXX XXXX XXXX, and they have no outstanding debt owed to them by me. Please help me.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Several weeks ago I deposited 5 checks I received from the internal revenue service as my employee retention tax credit refunds. The funds were placed on hold for 10 days and when i spoke to the bank today they said the checks from the irs were fraudulent. This is a preposterous claim and totally untrue. The bank Bank of America closed my account and refuses to give me the funds back or even the checks I deposited
Consumer complaint received 2023-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pollack & Rosen, P.A. (FL)

To XXXX XXXX and Debt collector Pollack & Rosen , P.A . From XXXX XXXX I write to advise you that I will be filing a lawsuit in XXXX for your intentional and willful violations of the FCRA and FDCPA which includes your recent attached debt collector written communication dated XXXX XXXX XXXX reference # XXXX, This purported required debt validation notice is not only untimely and late but it was NOT mailed on XXXX XXXX XXXX as represented but rather over more than a month later on about XX/XX/ ( 41 days later ) and processed by the USPS on XXXX XXXXXX/XX/ for delivery SOON and received on XX/XX/2023, delivered to my mailbox in XXXX as documented from USPSs email to me. XXXX XXXX needs to get its ducks in a row which required required notices. Mailing Notices that were required to be done in XXXX XXXX XXXX months late for the initial communication, then deceptively claimed mailed on XXXX but actually deposited for mailing 41 days later will cost you {$25000.00} for statutory and punitive damages plus a Complaint to the XXXX XXXX XXXX XXXX  proceedings.
Consumer complaint received 2016-12-09
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLD KEY CREDIT, INC. (FL)

Goldkey credit placed a collection on my record. They know full well it is not mine. I believe it may be my sons. My son is XXXX XXXX XXXX. I am not responsible for his debts. The collection company is trying to extort money from me or ruin my credit. How did they even get my ss number? They keep calling me on my cell phone. How can they ruin my credit like this?
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 14 XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2023-10-11
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Prince Parker & Associates (IA)

I have been repairing my for the last month so Im constantly watching my credit report and today XX/XX/2023 I noticed a XXXX XXXX  drop and a new debt from XXXX XXXX for the amount of {$330.00}. I have never had XXXX XXXX before. So I reached out to the the debt collector to see about this account but they couldnt tell me anything because my name and number didnt match anything they had. So I had called XXXX XXXX  fraud department and he used my social security number and pulled up the account and told me that the account was in XXXX XXXX  and i live in XXXX XXXX  and have been for XXXX  years. So Im taking every step to get this issue resolved the right way. I filed a report with XXXX XXXX and identity theft.
Consumer complaint received 2023-09-18
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (VA)

Someone has hacked or gain access to my ( Truist ) bank account and made a payment with XXXX of {$1600.00} at XX/XX/XXXX. I then reported this to the fraud department which they said it would be refunded in 4 business days. I then got an email saying that they are not going to honor my claim. I have called their fraud department and they would not give me a clear explanation why this fraud is not being handled.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

Copied : MOHELA, XXXX XXXX, Consolidation, and Administrative Forbearance XXXX XXXX XXXX Sun XX/XX/2023 XXXX PM Hello, In the last few months, I've been trying to get MOHELA to apply the XXXX plan to my account. I initially submitted a request on XXXX and was approved. I then consolidated my loans the next week and submitted the XXXX application alongside it. MOHELA marked the XXXX application as a duplicate form. I noticed this midway through XXXX and despite calling them was not able to get them to re-review the application. With interest resuming the next week, I was now on the level payment plan when I should have been paying {$0.00} with covered interest on the XXXX plan per forms I submitted to MOHELA months prior. At this point, I wasn't worried as the dept of education assured us that any applications for XXXX  submitted by the end of XXXX would be in effect by repayment. Unfortunately, this does not appear to be the case. 

Today I was informed by MOHELA that my account was placed on " Administrative Forbearance ''. This, to me, indicates that they are incapable of meeting this deadline. MOHELA 's failure is going to cost me both money in the accrued interest that would have been covered and months towards XXXX XXXX. I don't understand how it is acceptable for the servicers to not fulfill their end of the bargain. 

I have found others on social media that have had similar experiences with forbearance and IDR applications. It appears that it is less of a mistake and more of a policy to not process these forms. 

I would appreciate action to either enforce MOHELA 's contract or, barring that, for these months to count as if they were normal XXXX  months for interest and forgiveness tracking. I can be reached at this email or at ( XXXX ) XXXX. 

Best, XXXX XXXX : XXXX : Documents Received page XXXX : Approved XXXX  application dated XX/XX/2023 XXXX : Repayment Schedule and Disclosure dated XX/XX/2023 XXXX : Administrative Forbearance dated XX/XX/2023 ( received XX/XX/2023 ) XXXX : Application for XXXX dated XX/XX/2023