davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Hello, I dont believe my payments and interest are being calculated correctly. For example. My interest charged between all loans is approximately XXXX per month. This past month, the interest charged seems to be around {$400.00}. On top of that, my interest went from an accrual of {$560.00} to over {$600.00} in the past few days WHILE my account is in FORBEARANCE, and the additional {$30.00} seems to be randomly charged. My balance and interest seem to inconsistent with any amortization schedule, leading me to feel like theres a lack of transparency with how my payments are being allocated. Id also like to know why I wasnt notified of my account being placed in forbearance. Please review my account to check for payment and interest inaccuracies. 

Thank you, XXXX
Consumer complaint received 2019-01-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: U.S. Collections West, Inc. (AZ)

On XX/XX/2019 at approximately XXXX XXXX ( AZ time ). US Collections West contacted me in an attempt to collect on a debt. I am currently in an active Chapter XXXX Bankruptcy. When I told the representative that he said that he got notice that my case was dismissed on XX/XX/XXXX. That is absolutely false. He went on to ask me if I would like to resolve the debt before he submits a wage garnishment. I told him that he can not do that do to the bankruptcy an his company never submitted a POC in regards to the debt. This company was properly notified from the courts in regards to my case. This is the second time that this company has violated the law when is come to how the collect on debt.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, 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. (NM)

I am currently attempting to fix my my credit and I requested my credit report from XXXX and it doesn't allow me to retrieve my report. I am wanting to dispute items on my report that i do not recognize as well as items that should have came off already.
Consumer complaint received 2018-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MA)

Im in complete shock about this negative item that continues to appear on my credit negatively. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AE)

I can not view updated credit information online through any means that I currently use. XXXX XXXX gives me an error stating that both XXXX and XXXX are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using XXXX XXXX for two years and haven't had an issue until recently, the last update was XX/XX/2018. The app says to contact XXXX or XXXX to resolve the issue. To verify that whether it is a XXXX XXXX issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, Experian says a condition exists that prevents them from being able to accept my request, and XXXX says they can not confirm my identity. I called XXXX to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.
Consumer complaint received 2018-12-12
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

I have a account with XXXX XXXX/ Santander usa , account number XXXX balance is {$9500.00} I'm Requesting this account to be deleted from the credit report based on the repo was not done according to California law. I already contacted a attorney and he said I have a case. so please delete this account from XXXX and XXXX. XXXX  already deleted this account
Consumer complaint received 2019-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (DC)

In dealing with Discover Student Loans, I have found it impossible to remove my parent/guardian as a cosigner from a small student loan (with more than 48 consecutive on-time payments). I have applied twice to get my parent/guardian removed as cosigner, and each time, Discover provided me with conflicting information about whether this person was removed or remained on the loan. Once I was told my parent/guardian was removed. Twice I was told that person remained on the loan. I have zero confidence in their cosigner review/release system. Questions specific to the review process inquire about age and career level, which I believe can be used to discriminate. I have a high income, low debt ratio. My credit score is considered excellent, and I have had a full-time job for with above average income for several years. Still, I cannot get a cosigner to be removed from a $XXXX  undergraduate loan. I want CFPB to look into the process by which Discover Student Loans grants applicants the ability to remove a cosigner. I believe they are taking advantage of the system and denying requests outside their rules and guidelines. And I believe that they are discriminating against applicants on the basis of age.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

For auto loan customers, illegal practices include prepaid gap coverage that wasnt refunded when loans were paid off early, incorrectly applied payments that led to higher interest charges and fees, and unwarranted auto repossessions. 
For mortgage loan borrowers, damages might be owed for wrongful foreclosures, incorrectly charged fees and wrongful loan modifications that would have otherwise prevented foreclosure. 
For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.
Consumer complaint received 2019-01-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Performant Financial Corporation (WI)

XXXX XXXX XXXX XXXX XXXX , XXXX, had my check garnished without sending letters, making calls or returning calls to first try to settle this debt. This debt is owed by me and my soon to be ex-wife and only my check had wages garnished from it. This company did not make one attempt to call, just sent a letter to my employer direct for garnishment.
Consumer complaint received 2019-03-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC (NY)

I started contacting companies on my credit a couple of years ago to fix my credit when I got out if the military. Consumer Adjustment was one of those company 's. I asked what debt I owed as I was unaware and the young man I spoke to was unsure. I asked if they would take a settlement for the XXXX original balance on the account he informed me that was not possible because that was what the debt had been bought for. I informed him I was currently in the process of applying for my VA XXXX and would apricate it if the company could please send me any type of paper work they had showing where the debt had came from. The company never sent me anything. I contacted the company again six months ago to ask if I could get the validation paperwork and they said that it had been sent to their legal department that the only thing I could do was pay off the debt, which I could not do because I live off my VA XXXX. I heard nothing Two months ago I began working with a XXXX XXXX to help resolve the last few credit issues remain after my divorce. This is when I again heard from someone at Consumer Adjustment. A woman Called me XX/XX/XXXX Asking me to identify myself when I asked who was speaking she insisted I confirm whom she was speaking to and that I was at my address. I informed her that if she was a debt collector she need to say so now or contact me via postal mail, She let me know that she was in deed with Consumer Adjustment and that if I did not pay my debt it would be reported to my debt. I then informed her that it had been reporting to my credit for several years and I would apricate it if she could tell me where the debt originated from. She, like the man I spoke to before, was unsure. I asked to be sent some sort of validation of debt as I had yet to receive any and was uncomfortable paying a debt I have no recollection of owing. She agreed to do so after doing so she tried to convince me it would be better for me to simply pay them XXXX dollars instead. I still have received no validation of this debt.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is 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 2018-10-23
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. (IN)

I recently seen there was unauthorized credit inquiries on my credit file which I had not authorized, they were all ran on the same day as if my credit report was ran multiple times by multiple lenders. I haven't been running my credit or gave authorization to anyone to run it. I'm hoping to get this resolved in a timely manner. 

XXXX  has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has the same inquiries as XXXX.
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates LLC successfully managed to file and win a judgment against me without me knowing anything about their claim. I received a letter from a local court notifying me that Portfolio Recovery Associates LLC was granted a hearing for a default judgment against me that has since passed. 

I have never had any type of account with Portfolio Recovery Associates LLC. My name is very common in the XXXX Texas Region. Additional, the veracity of the claim hasn't been fully explored ( by me, the defendant ) beyond a shadow of a doubt that includes examining the subject account 's owner ( 1 ), receiving a full accounting of all charges ( 2 ), full account payment history ( 3 ), reviewing the account contract ( 4 ), plaintiff 's evidence of subject account ownership ( 5 ), reviewing the original creditor 's sale of debt contract for possible riders restricting legal action of subject account ( 6 ), evidence of plaintiff 's attempts to make me aware of an impending lawsuit prior to filling ( 7 ), determining if the plaintiff 's legal work is being performed out of state or within Texas ( 8 ), reviewing the statute of limitations for the action ( 9 ) - among other considerations.

As such, Portfolio Recovery Associates LLC is disregarding federal laws designed to protect consumers at large.

I urge the federal government start a full-scale audit/investigation on Portfolio Recovery Associates LLCs practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in any way to get any illegal judgment.
Consumer complaint received 2023-11-09
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. (TX)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with XXXX And Equifax Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : OFFICE OF THE ATTY GEN XXXX Balance : {$7500.00} ; ATTYGENERL XXXX Balance : {$7300.00}.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

There is a hard inquiry from XXXX XXXX still showing on the latest credit report on the Equifax website. It was supposed to be removed in XX/XX/ and it is now XX/XX/ and it is still present.
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (GA)

Received notification from credit bureau regarding debt of XXXX from XXXX this was a previous debt that was previously disputed and resolved by XXXX XXXX and it was verified that the debt did not belong to me and the credit was deleted in XXXX. I have no knowledge of this creditor i was never notified via mail nor phone regarding debt
Consumer complaint received 2018-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optimum Outcomes, Inc. (MD)

OPTIMUM OUTCOMES, INC/XXXX XXXX XXXX   ACCOUNT # : XXXX ; XXXX ; : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Unfair and Deceptive Business Practices : Maryland law Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) Remove these four credits information from my report. I contacted XXXX XXXX XXXX on Tel : ( XXXX ) XXXX. I spoke to Ms. XXXX XXXX. She wants me to contact Optimum Outcomes to produce itemized statements and signatures that shows why they put my name with XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX is a billing company that is located in XXXX XXXX XXXX XXXX XXXX, IL XXXX. It is not a medical /Health as claimed by Optimum Outcomes. and no office in XXXX XXXX.

I contacted the Optimum Outcome but refused to talk to me. I want to know where they got my name, and I need documentation where I signed for medical treatments. I want to know if XXXX XXXX XXXX is a medical center as claimed by them or billing company and if billing company, I need documentations for what they are billing for and for which doctor.

Remove all hard inquiries on my credit report if no signature exemplar is provided.
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was trying to figure out how these address on my credit that are not mine. THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE DELETE. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX, Ohio XXXX. My employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX   THESE FOLLOWING ADDRESSES ARE NOT MINE : XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Consumer complaint received 2018-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

Nelnet ( XXXX ) continues to call my mobile phone from an autodialer, despite my repeated requests to be removed from the autodialer. I have informed them that they are calling a mobile phone, and that I want to be removed from the autodialer, and to not call during my working hours ( XXXX PST ). They continue to have me on an autodialer, calling during my working hours, and lied to me today saying despite my request to not be autodialed, that they had the right to continue to do so. They have called at least 6 times since my initial request.. about once per week. When I reminded them of the TCPA regulations, they told me those weren't real, and if my account was delinquent, they can autodial me. I informed them that they may only HAND DIAL my mobile phone number once I inform them they are calling a mobile and request to be removed, they must comply. The man continued to argue that I was incorrect. I used to XXXX XXXX XXXX XXXX, I am quite well versed on TCPA regulations.
Consumer complaint received 2023-11-09
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)

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00}
Consumer complaint received 2019-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have called XXXX XXXX XXXX at least 20 times with no resolution. I spoke with a representative named XXXX. The other 19 times I was sent to voicemail with no returned phone call. XXXX would not provide me with any information re : my debt instead she transferred me to a number that was disconnected.