davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

For the past week since XX/XX/XXXX I repeatedly called MOHELA requesting why my payment amount when from ~ {$500.00} to XXXX per month. I am currently on an income based repayment plan and was automatically switched to SAVE from REPAYE. After this switch the payment amount changed. Multiple people at MOHELA have said it is a glitch without giving any actual information as to why this happened and how it can rectified. The SAVE program if anything should have a lower payment than REPAYE not a 3x higher payment. They kept asking me for my income information over the phone and I refused because I am not scheduled to give my new income recertification until XX/XX/XXXX and I DO NOT want to recertify until I have to. They will not or can not even tell me what information the new payment amount was calculated using. This glitch they keep referring to is given no good explanation or timeline as to when it will be fixed. They said they would submit an IDR request to have the payment switched back to what it was with REPAYE but that should technically not be possible given it does not exist anymore so I am not sure what they are doing. Regardless they have been entirely unhelpful and almost purposely deceitful trying to get my to do a recertification many months before I am scheduled to.
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (CT)

On XXXX XXXX I received a letter from a " Law Office '' demanding I pay a debt that is past the CT statute of limitations of XXXX XXXX XXXX. They are falsely impersonating a law firm as a bullying tactic.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery and Associates offered me a settlement of my credit card debt that they bought for {$340.00} and some change. I paid it in XXXX payments and was told they would report the debt paid in full. They reported that I still owe {$82.00} which is FALSE and that the debt is 82 % paid. I contacted them and they have refused to correct it.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a capital one quick silver card with the promo being spend {$500.00} in three months that I would get {$200.00} bonus. 
Well I never got it. Called them two different times and they said sorry while you were applying we switched the offer on you. I was like I didnt see any offer being switched. 
So I told them to cancel the card just forget about it. Terrible customer service. 
They must scam lots of people this way. 
Shame on you capital one.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I 've been a happy Citi customer for over a decade, however most recently there has an issue that arose from theft on my Citi checking account that led to problems with my credit report. This has been a very frustrating issue as I 've brought this issue up with Citi to no avail, and I find my credit score heavily tarnished due to a small missed payment, which in effect was Citi 's mistake. XX/XX/2015, my checkbook was stolen and my account information was compromised I was told by Citi to close the account and start up the new account. In XX/XX/XXXX I went to the Citi branch and started up a new account and closed the old account. Unfortunately, without my knowledge, the account was re-opened and then over drafted due to an ACH, which I was not aware of at the time. This account ended up being overdrawn and it ended up maxing out a small overdraft line of credit which had a credit limit of a few hundred dollars. On XX/XX/2015 when I was at the Citi Branch, only then was I made aware by the teller there of the old account not being closed and was still honoring old ACH 's and had a balance of {$38.00}, so I promptly made a {$750.00} deposit towards that account o make sure it did n't get overdrawn. So the account ended up having a balance of {$780.00}. However the teller failed to tell me that the line of credit linked to it had also not been closed and was indeed maxed out and past due. I only got alerted of this later when I checked my credit report, at which time I promptly paid off the line of credit. All the while in my new account, I had funds between $ XXXX- {$8000.00}, which were more than sufficient to payoff the overdraft reserve line
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

I XXXX XXXX XXXX sent the Letter below along with an identity theft report from ( FTC ) to XXXX XXXX XXXX via certified mail XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am contacting you in reference to the alleged debt reporting on my consumer report with the account number XXXX -. According to 15 USC 1692 ( a ) congress has found evidence of abusive, deceptive and unfair debt collection practices. I am herby informing you that because of this i have suffered financially and mentally.

Your company has harassed me for an alleged debt that has not been lawfully validated and sent a consumer contract which case law XXXX XXXX XXXX XXXX XXXX says is not sufficient evidence of a debt. Your company has continued to intimidate me and be deceitful which has caused me to have marital issues that i can not even afford to handle professionally. 

I am granting your company the opportunity to resolve this matter by the following instructions : 1. DELETE THIS ALLEGED DEBT FROM ALL CONSUMER REPORTS AND FILES 2. CLEAR ANY ALLEGED BALANCE 3. REFUND ALL PAYMENTS MADE ON THIS ACCOUNT Thank you for your attention in this matter, XXXX XXXX XXXX, Without prejudice, All Natural Rights Reserved
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

My credit card was stolen a few weeks ago. I called Chase to alert them and issue a new card. Since I've been traveling I had the new card locked and frozen so no charges can be applied to the new or old card. 

However, I was notified of an unauthorized transaction of {$500.00} on my card today, XX/XX/year> from XXXX * XXXX. 

I have disputed the transaction as fraudulent.
Consumer complaint received 2023-09-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

It is now XXXX XXXX, XXXX, NewRez Mortg offers a change in payments in regards to monthly vs biweekly. The form is impossible to find which means you have to call. The ONLY people you can speak to are initial customer service reps. Any other department the customer is refused a transfer. The offer is to USPS mail any paperwork or fax. The mortgage company is capable and does electronic drafts so why can't a customer access any modern day business industry standard communication. The company either misplaces your expected email or doesn't receive the forms you are trying to provide. Changing my payments to biweekly has taken me over two months with REPEATED requests and followups on my end only. I do not know how the lack of electronic access has impacted other customers but it is frustrating and should be considered an unacceptable business standard. The only email the customer receives is a vague appreciation for contacting the business with no follow up.
Consumer complaint received 2024-07-12
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. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX - XX/XX/year> XXXX XXXX XXXXXXXX - XX/XX/year>
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

This past week my debit card suddenly stopped working. I called and was told it would work now and to try it again. It didn't. Then I noticed my zelle wouldn't work. 

My arm withdrawals wouldn't work. I went to a branch and couldn't withdrawal. I'm told my account is on hold for issues they won't tell me. They claim this hold is indefinite and they can hold my money forever and won't give me any details or timeline of this. 

These are my only funds. I need this account closed and my money immediately
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Back in XXXX I discovered fraudulent activity involving my name thru numerous bills and other documents being delivered to my address claiming I own a vehicle that I never purchased or drive. Im also receiving tolls and a poor credit score because of this problem. I asked the company on a numerous of occasions to have my name taken off that account or I will press charges they agreed to disagree and I now have the police report to prove my innocence. And will go further with the law in order to clear my name.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

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. Whos studying XXXX XXXX help 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is the second complaint. In XX/XX/2022 they closed my account in the name of XXXX XXXX  the last check I deposited was cashed by the bank but they did not give me the funds of {$10000.00}. 

The funds have not been returned to the company that gave me that check, I had to borrow to be able to return that money, since that company would accuse me of theft, I lost my job and my prestige thanks to Bank of America. It's been almost a year and until today they do nothing, they don't return the money to me, nor to my former client.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved.

from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX  Account number- XXXX Account name : XXXXXXXX XXXX Account number- XXXX Account name : XXXX XXXX XXXX XXXX Account numberXXXX XXXX Account name : XXXX XXXXXXXX Account number- XXXX Account name : XXXX XXXX XXXX Account number- XXXX Account name : XXXX XXXX XXXX Account number- XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number- XXXX Account name : XXXXXXXX XXXX XXXX Account number- XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.
Consumer complaint received 2023-08-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is the several times I've complained about the inaccurate Items. Below the listed Items that need to be update or fixed. 
XXXXXXXX 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
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MO)

There is a public record on my XXXX, XXXX and XXXX credit reports along with other credit reporting services. When I try to dispute the public record which shows a bankruptcy, I am told they are getting the information from Lexis Nexis. I requested that Lexis Nexis, XXXX, XXXX and XXXX validate this debt and none responded to my letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> LexisNexis XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (IL)

Wednesday XX/XX/2023, I got an email saying I have a major inquiry on my credit report, I open my bank app to see and my credit score has went down by XXXX points, the company name was CREDIT MANAGEMENT LP, I had do idea what this was all about, I tried calling them and asked why did my score just went down so much I dont even know you guys, they said because of not making a payment on a XXXX XXXX, I was so confused, I dont even have anything XXXX, I didnt recognize that at all, apparently I owed them {$100.00}, so I made the payment, I didnt know what to do, Im already struggling a lot financially ever since my dad abandoned me, I dont even have a place, and now he messed me up with this, they told me my previous address where I used to live with my dad so my guess is he used my information for maybe the internet bill without even telling me, I had absolutely no idea I was even on something like that.