davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (GA)

I made made an overpayment on one of my student loans account. instead of crediting the overpayment to my other federal loans, they just show as overpayment. i contact them, they said it will take a few days and they can then manually transfer the overpayment to my due loans. its been over a week, nothing has been done. i am still accuring interest on my loans while i have extra overpayment in my paid loans just sitting there. this is fraud practice as they just want to get interest money from me
Consumer complaint received 2023-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MD)

I started to receive calls from XXXX XXXX and their debt collection subsidiary in XXXX of XXXX for a series of bloodwork tests that were ordered by my doctor. I was surprised as these are covered by my plan with XXXX. After making some calls it was determined by XXXX that XXXX coded the tests incorrectly and they resubmitted them. Eventually, the cost was covered but I continued to receive calls and mailings stating that I owed {$540.00}. When talking to a representative at XXXX they indicated that they can not provide evidence to me but that it would take a few weeks to be reflected in their system. This cycle continued for a few months and I eventually called them again and they said they showed that it was reclassed and covered. I had not heard anything from XXXX for many months until I received a collection notice in the mail on XX/XX/XXXX for the same amount. I called the collection agency, Credit Collection Services in XXXX, MA ( XXXX ) XXXX on XXXX/XXXX/XXXX and spoke with XXXX XXXX who said that XXXX  resubmitted the " debt '' on XX/XX/XXXX. I then called XXXX and spoke to XXXX XXXX ( XXXX ) XXXX who confirmed that the case was closed on XX/XX/XXXX as my insurance covered the full amount.
Consumer complaint received 2023-09-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC. (CA)

Navient discharged my private student loan XX/XX/year>. I received a discharge letter XX/XX/year> and Navient removed my 19 year old loans as if they never existed instead of reporting them closed and paid. Their action decimated my credit profile by dropping my score XXXX points!
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am the victim of the XXXX and Experian and XXXX XXXX XXXX breaches from XX/XX/XXXX, which compromised my personal information, due to Identity theft and the negligence of Experian. 

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX XXXX opened on XX/XX/XXXX under the account number ( private ) a business XXXX XXXX account opened on XX/XX/XXXX under the account number ( private ), and a XXXX XXXX XXXX XXXX account opened on XX/XX/XXXXXXXX  under the account number ( private ), they appear to be related to the aforementioned closed charge off accounts. These accounts have resulted in two fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-22
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. (MI)

XXXX, Experian, & XXXX continue to report a collection account that is not correct. The account listed as XXXX XXXX XXXX is not my account and I have previously multiple times disputed this account and yet they refuse to remove the allege debt. Since XXXX XXXX XXXX refused to remove the account I filed a federal lawsuit against the business and filed a small claims lawsuit against each consumer agency which means this account can not report until after the court order has been given. This is notice that I will be charging {$2000.00} per day that this illegal collection continues to report. Failure to remove this collection I will use this complaint as evidence during the court proceeding to state I did try and work this out. Please forward this complaint to your legal team that is representing each consumer agency.
Consumer complaint received 2024-08-15
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: SYNCHRONY FINANCIAL (TN)

I sent an email XX/XX/XXXX to XXXX with dated screenshots showing a website called XXXX advertising a service called table games on their website and when I signed up for the website that service was no longer available. 

I had made payments to the website to use that service, and it was no longer available. I contacted customer support on XXXXXXXX XXXX and they told me it may or may not come back. I then disputed the services as there was no service I could use that was advertised with venmo. 

Venmo sided with the merchant even though they were falsely advertising a service they did not provide and make the process to give them documentation for the dispute not at all clear. In short, they want me to pay XXXX for a service XXXX  advertised and then did not have and when I wanted my money back my credit card company refused. 

I have no other recourse but to file this complaint as no one is on my side in this and I feel hopeless.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CapitalJ Inc. dba Juno (VA)

I opened an account with onJuno the online bank. I put {$5000.00} dollars into it. For a while, it seemed to work fine. In XXXX, they quit paying interest. I tried to get my money out several times. They claim there is an issue with some banks they deal with. They originally said I would get my money in XXXX. Now it is the end of XXXX, and I still can not access any of my money or close my account. They are holding my money. It is currently worth about {$5400.00}.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (UT)

My mortgage was transferred to MrCooper 3 weeks ago ( XX/XX/year> ) and I have already begun to receive marketing communications from them that I did not consent to receive. The web portal for managing the account includes various advertisements for unwanted services. I did not elect MrCooper to be my mortgage service, and I do not want them to offer me *any* services. I am concerned that in the time since my mortgage transfer, they may have *already* provided my information to third parties.

Users of MrCooper should be aware that they need to contact support directly to turn off some of the unwanted ads on the website ( they say they can not turn them all off ), and need to update their privacy preferences immediately.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

On XX/XX/year> I contacted chime to report 9 unauthorized transactions to my checking account for a total of {$12000.00}. An investigation was initiated with Claim ID XXXX. After speaking with the customer service representative, I logged into my account to review the claim details and I saw that the customer service representative made 2 mistakes when submitting my claim. The representative mistakenly categorized the claim as paid for goods/services instead of unauthorized transaction. The representative also mistakenly included a transaction from an unrelated merchant for {$130.00} that I did not instruct him to include in the claim. Once I saw the mistakes made by the customer service representative, I called customer service again and requested that the mistakes be fixed. Chime phone calls are recorded, my conversation with the customer service representative can easily be verified. Chime recategorized my dispute and removed the {$130.00} from my claim. As Chime claimed to be investigating my disputes, I submitted screenshots my numerous attempts to resolve this directly with the merchant. I also submitted my account history showing that no such transactions were on my profile. The merchant showed no record of these charges on their end as well. Chime denied my claim, leaving me no other option but to file a rebuttal and request that Chime send me the documentation used in their determination. Chime sent me a BLANK attachment with no proof or evidence that substantiated their denial. I received an email that Chime was closing my account and on XX/XX/XXXX, my account was closed. This is clearly targeting and discrimination. Please help.
Consumer complaint received 2024-06-03
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. (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!! 


XXXXXXXX XXXX XXXX states I owe {$460.00} This is illegal for these companies to report this information as it doesnt meet the minimum standards for reporting as it is inaccurate, and no proof has been provided.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a XXXX XXXX XXXX XXXX with XXXX it was my XXXX account. I looked at the credit report and it was not on my XXXX dispute with XXXX XXXX XXXX XXXX  and XXXX of my XXXX account. I asked to review the account with the dispute teams with the credit bureau I contacted the bank and it was not showing up on my XXXX XXXX  number log in from my dispute with my XXXX phone from XXXX XXXX  XXXX I contacted the log in with XXXX XXXX. I did a log in with the XXXX account it was showing fraudulent records on my email dark web. I asked to put the account on my XXXX due process of payment with XXXX tax refund. I filed a XXXX affidavit with the company showing it was mishandling funds but it was lost with my phone on the file. I asked to file a complaint with the FTC and get back yo me with the identity theft. I see the account was embezzled. I was showing records to entitled financial debts, which happen when the tax lien from my IRS said the phone was compromised and the credit bureau could not process the payment with the identity theft without following up with the data breach papers with XXXX XXXX breach XXXX XXXX I looked at the phone the records were stolen inaccessible and the data was distorted on my XXXX email with XXXX. I see it showed here was in a data breach with XXXX and the was compromised on my server as identity theft from my XXXX XXXX XXXX  account for {$110000.00} tax XXXX and any other tax debt from the credit bureau that raised on the credit bureau. So I followed the XXXX to the servers I see it was a XXXX XXXX  with XXXX XXXX where the data breach occured on my XXXX XXXX from my normal log in considering it did not go through on my XXXX Credit report it was on my dark web for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  entitled error background report from the IRS Tax scheme showing it was paid then the ln could dispute it on the credit report with XXXX showing it belonged to XXXX XXXX XXXX. I ask the XXXX dispute the error with XXXX my XXXXXXXX XXXX. So we can show the account was hacked along with the financial statement from the bank. It was deprived of its losses from the cyber security incident with the unsolicited fines of a merchant from a XXXX due process of payment to my bank for money fraud wire tap transfer of my bank from the credit lender.
Consumer complaint received 2024-06-11
Product: Credit reporting 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: EQUIFAX, INC. (NY)

Under Section 605C of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX have the right to remove adverse items from their credit report. However, they are refusing to send me a copy of my report, which prevents me from determining if there are any adverse items.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to remove inquiries from my credit report that are not linked to any of my accounts. These companies did not have my authorization to check my credit, and it's fraudulent. I've already filed a report with the FTC. It's necessary to have these inquiries removed and deleted from my credit report.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

In XXXX of XXXX I realized the payment amount per month for my IDR payment plan was too much, so I requested an extended graduated payment plan on XX/XX/XXXX on Mohela 's website. My account never updated as payments started back up in XXXX of XXXX. I have attempted twice more to request the extended graduated payment plan on XX/XX/XXXX and XX/XX/XXXX. 

I messaged Mohela on XX/XX/XXXX asking for my payment plan to be updated so that I could make my payments. Their reply on XX/XX/XXXX was " We apologize for any inconvenience this may have caused. Your account reflects that your loans are actively on the Income Contingent Repayment ( XXXX ) plan with monthly installments of {$600.00}. '' On XX/XX/XXXX I messaged again, since I had not received a reply from my first message at that time clarifying that " I have tried to change my payment plan to extended graduated for a payment of {$370.00} per month, but my account has not updated. Please put my loans on hold until that is able to be updated. Thank you ''. On XX/XX/XXXX they replied : " As of this writing, our records indicate that your account is currently 48 days delinquent with a past due amount of {$850.00}. Next payment is XX/XX/XXXX the amount is {$1400.00}. When an account is delinquent, phone calls and/or letters will continue until the account is current. '' In neither of their replies did they address the concern I was bringing to their attention.
Consumer complaint received 2022-02-10
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. (NY)

When I apply for credit related things it comes up I am deceased. But for state and federal filings it does not it seems. My father passed away 14 years ago and since then alot of credit things of his and mine have been mixed or me reported dead. I was told you can help with this.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CBC Companies, Inc. (MI)

On XX/XX/year> case innovis XXXX informed about XXXX XXXX  XXXX  XXXX and upon my call to XXXX XXXX the lady representative said you have XXXX of benefits at XXXX XXXX XXXX and hung up in my face. I immediately called innovis but were unaware then I called XXXX  XXXX XXXX  spoke to the president XXXX XXXX at XXXX XXXX and she decided to lie and denied me of an account. XXXX XXXX fake XXXX and XXXX stolen my identity at XXXX XXXX XXXX and cash two XXXX  escrow account checks in my name and I reported the XXXX as XXXX detective XXXX XXXX XXXX.
Consumer complaint received 2024-06-01
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. (MI)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I SENT MY XXXX DISPUTE TO XXXX XXXX XXXX ON XXXX XXXX DEALING WITH THE INACCURATE REPORTING OF LATE PAYMENTS ON MY CREDIT FILE. I SENT MY DISPUTE LETTER 15 USC 1666 TIMING OF PAYMENT AND THEY CONCLUDED TO SAY THAT THIS LAW WAS DEALING WITH A CREDIT CARD ACCOUNT. 
15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
THEY USE MY SOCIAL SECURITY CARD AND DRIVER 'S LICENSE FOR THE PURCHASE OF THE LOAN, AS WELL AS MY CAR TAG. 
I AM REQUESTING THAT THIS INACCURATE ACCOUNT BE DELETED FROM MY CREDIT REPORT BEFORE I SENT THIS OVER TO MY ATTORNEY TO SUE. 
XXXX HAS VIOLATED 15 USC 6802 BY NOT GIVING ME THE OPTING TO OPT OUT AND GIVING ME MY DISCLOSURES. 
LASTLY THE ACCOUNT IS REPORTING INACCURATE AND INCORRECT ON MY CREDIT REPORT - PLEASE DELETE
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting 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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account which is XXXX XXXX # XXXX that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX ) i'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXXXXXX XXXX  Account XXXX - XXXX. I recently reviewed my credit report and noticed that It was not reporting accurately, I had XXXX late payments on an account that was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I '' ve attached a copy of my to this complaint on the following months 2024 XXXX, XXXX XXXX XXXX, XXXX all has been paid on time. I '' m now requesting you Investigate this account and update these payments to PAID ON TIME IMMEDIATELY