davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I am writing to formally lodge a complaint regarding the mishandling of my XXXX discharge request and the delay in issuing a refund from my student loans. 

On XX/XX/year>, I sent an email to Mohela confirming that XXXX had uploaded documentation proving my permanent discharge, effective XX/XX/year> which is due to my status as a 100 % total and permanent XXXX vet. XXXX had previously notified Mohela on XX/XX/year>, regarding this matter. Despite these notifications, I have not received any confirmation or action from Mohela. I have uploaded to them the documentation from XXXX with no confirmation of these. I will include XXXX documents showing permanent discharge. 

Additionally, on XX/XX/year>, I called Mohela to inquire about the status of my discharge and refund. The representative informed me that Mohela had not received any information from XXXX, which contradicts XXXX 's confirmation of sending the necessary documents on XX/XX/year>. 

Furthermore, in my email on XX/XX/year>, I reiterated that XXXX XXXX Discharge had notified Mohela of my permanent discharge on XX/XX/year>, due to my status as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran. As per the terms of the discharge, I am entitled to a refund of approximately {$3500.00}, which includes payments made after XX/XX/year>. 

Despite these clear notifications and follow-up attempts, there has been no response or acknowledgment from Mohela regarding the processing of my XXXX discharge and refund. This lack of communication and failure to act promptly is deeply concerning. 

As a result of these unresolved issues, I am left with no choice but to escalate this matter further. If this issue is not resolved promptly, I will proceed to submit a formal complaint to the Consumer Financial Protection Bureau to ensure my rights are protected and this matter is resolved in a timely manner. 

Please acknowledge receipt of this formal complaint and provide me with a detailed timeline for the resolution of this matter. You can reach me at [ Your Phone Number ] or [ Your Email Address ] for any further information or clarification needed. 

Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2023-09-28
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I would like to dispute the following negative accounts on my credit report. 

XXXX : XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$26000.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$26000.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$100.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$26000.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (AR)

Me and my husband has been trying to get a house since XXXX When we applied for a mortgage credit report came back as a fraud account that was on it. My ex husband opened a XXXX XXXXXXXX card in my name and I've never seen the card or anything at all. Now collection agency has been trying to make me pay for it. We've told them it was fraud and they took note of it. Police officer said they will get information but nothing never happened about it.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/year>, Midland credit management added a derogatory mark on my credit report ( XXXX, XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Midland Credit Management has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2024-08-23
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. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (OH)

NRXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above financial institution I have contact via email and phone calls approximately 5 times over the last 3 weeks. Dates are XX/XX/XXXX XX/XX/XXXX XXXX and other dates approximately XX/XX/XXXX. Each time I contact them to have the loan removed from my credit report they ask for different paperwork. I filed bankruptcy on the loan/mortgage after my divorce in XXXX! I am not financial responsible for the loan! I filed my bankruptcy paperwork and a hand written letter as they requested. They refuse to remove it from my credit report! This had negatively affected my credit report by XXXX points!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK (CA)

My name is XXXX XXXX.I lost my job in XXXX due to XXXX. I asked for assistance and that is where the nightmare began.They helped me but the put my soon to be ex-wife on the documents. Not a problem but they spelled her name wrong and expected us to sign and notorize them. She is not on the deed or the loan.They sent three other modifications expecting me to get them back to them within a day. I called them and asked if they would send a notary to me they refused. I have given up!!! I spoke with them on Friday asking for a history of the loan because the figures are not adding up. In addition They said they would upload it in my account.I sent a qualified written request they on XX/XX/XXXX asking for this information and a few other items as well. One of the items that I requested was a copy the a revokable trust they had me as the trustee of this trust that was estalished in XXXX for someone I do not even know. I was XXXX XXXX XXXX at the time. This house had changed hands 3 times before I bought it. WHAT INCOMPETENCE!!! So why would I believe that the figures I owe would be accurate???? They have put me through so much. On Friday the stated I could go online to get a history and surprise it is not available. WHAT ARE THEY HIDING? They wery very rude to me as if I have no right to ask questions. This has been a nightmare.I am attaching the lis pendens for the trust so you can see how incompetent they are.
Consumer complaint received 2024-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

Nelnet my previous Student Loan provider was taken over by something called Sloan Servicing this year. Since that time my payment date has been changed without my knowledge ( from the XXXX  of the month to what I think is the XXXX  ). Due to this change, I believe I've been charged late fees because when I go to the website it says " Past Due Amount '' and there is a larger amount. I've looked on the website to email what's going on and there is no email contact, just a M-F number from 8am to 8pm. It's very hard to call with my job ( teacher ) and when I do after work there is no getting through. I only have {$3300.00} left on my loan and I want to end this. Having no convenient way to ask a question or find out what's going on is wrong. I've paid this loan consistently for years, consistently paid more per month and many months in advance. I don't know what's going on with Sloan Servicing and resent that I was shuffled to this company without my consist or without any options. This is wrong and bordering on criminal and a scam. Please take action!
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Continental Finance Company, LLC (NY)

This correspondence is in regard to the application submitted on XX/XX/ to CONTINENTAL FINANCE / CELTIC BANK, reference number/ application number XXXX by I XXXX XXXX XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX XXXX Which an adverse action letter was received on XX/XX/ via email. 

Please see the following attachments : 1, OFFER REJECTION NOTICE 2. CAF NOTICE, POWER OF ATTORNEY, FEE SCHEDULE 3.PASSPORT CARD
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (CA)

I called several times in regards to disputes filed on my account that credit karma never filed and never completed even after I was told that they would begin the investigation I contacted credit karma on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also emailed credit karma in regards to the same ongoing not addressed disputes on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These disputes need to be processed immediately all of them were unauthorized transactions reported several times to credit karma and to date have not been investigated in anyway shape or form in direct violation of my consumer and banking rights. XX/XX/XXXX I spoke with XXXX a supervisor with credit karma who refused to help. Credit karma case number XXXX The unauthorized charges amount to over {$2000.00} + and there is a police report which I attempted several times to provide credit karma. Also credit karma intentionally and illegally doctored my bank statements in attempt to remove evidence of these illegal unauthorized transactions I have the original statements and credit karma intentionally assisted the theft of over {$2000.00} of my assets.
Consumer complaint received 2024-10-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Credit Acceptance Corp Does Not Mention Any Third Parties Being Involved In Repossession. I Also Was Not Informed Of Any Repossession Being Put On My Vehicle. My Personal Information Was Sent To A Third Party Company & My Car Was Repossessed Illegally.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AL)

On XX/XX/year> I paid {$580.00} to Dillards Wells Fargo American Express Credit Card online. The due date was XX/XX/year>. On XX/XX/year> XXXX acquired all of the accounts from Wells Fargo and received my Personal Identification Information from them as well. XXXX sent a credit card that I never activated because I cleared the balance owed with Wells Fargo on XX/XX/XXXX. The payment showed pending and I took a screenshot of my online transaction of the payment. Wells Fargo advised that the payment would be transferred but it never got transferred and now XXXX refuses to get the payment information from the bank I originally incurred the debt and made the payment in full. I have no way of contacting Wells Fargo and XXXX and sending threatening letters of past due payments requesting for me to make another payment! I refuse to give out payment information in this amount twice!
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I disputed a fraudulent account with EQUIFAX a few months ago because someone open an account with XXXX that I did't authorize. The account was investigated and proven to be fraud and it was removed. However, XXXX sold this account to XXXX XXXX XXXX which reported late payments on my credit report. They have never contacted me or sent out a letter. When I spoke with a representative NO ONE knew that this account was FLAGGED fraudulent but told me it could only be removed if i paid the balance due or make a payment arrangement.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

I recently checked my consumer report and saw that this company reports debt owed. I did not enter in any contract with this company. Please provide any documentation with my written consent entering in contract with and allowing your company to furnish my information or remove this all ILLEGALY SHARED information from my credit report and send me an updated report.
Consumer complaint received 2024-09-04
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

II have been a victim of identity theft and discovered several fraudulent accounts on my credit report. I have taken the necessary steps to address this issue, including filing a police report. Below are the accounts that are inaccurate and not associated with me : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX Account not mine - XXXX XXXX  XXXX Account Number : XXXX Kindly remove it from my credit report. 

Account not mine - XXXX  Account XXXX : XXXX Please eliminate this inaccurate information from my credit report. 

Account not mine - JPMCB CARD Account Number : XXXX Please remove it from my credit report. 

Account not mine - XXXX  Account Number : XXXX Requesting removal from my credit report. 

Account not mine - XXXX  Account Number : XXXX Kindly remove it from my credit report. 

Account not mine - XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Account not mine - AMEX Account Number : XXXX Requesting removal from my credit report.
Consumer complaint received 2024-10-07
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: Possible Financial Inc (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.