davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I found my students loans were put into deferment when I did not intend this. I called XXXX to discuss and ensure I was able to protect my PSLF status as due to the deferment, my autopay on XX/XX/26 did not get take from my account. I was told on XXXX that the only way to remove deferment was a formal letter uploaded and it would take XXXX business days to process. I inquired about my PSLF status and payment for XXXX and was told to hold while she spoke with a supervisor. When she returned she stated that once out of deferment, I could make a payment that would count toward XXXX. I asked if she would note that specifically in my account and she agreed. I uploaded my letter. I called back XXXX to inquire about the status of my loans still being in deferment. I was told that it takes XXXX days to process and that they recommend I make a payment based on my IDR today to count toward XXXX. I informed this agent that I had received conflicting information. She stated " it's up to you I'm just providing my recommendation ''. I made a payment. I think did more reading on Student Aid.gov noting that even making a payment while in deferment, it would not count toward PSLF. I called back and this agent said it takes XXXX business days to process deferment. She stated that I would not get credit for an XXXX payment for PSLF unless made within XXXX  days of XX/XX/26 which was the due date of the XXXX payment if I had not been in deferment. She also said that payments during deferment do not count. I explained this was conflicting and she asked me I I spoke to newer agents, I explained the agents did not disclose their levels of training. I asked if my deferment is not processed by XXXX  days after XX/XX/26, would an XXXX payment count. She said no. I asked if she could review what the other agents had said as all information was conflicting and she said there were many pages of information and it did not say what I explained. I asked if I should cancel the payment I just made and she said " it's up to you, depend which agent you want to believe ''. I then asked to speak to a supervisor and have been on hold for XXXX hours. 

I think it is wrong for a student loan servicer to have agents given XXXX different answers about this situation and not provide me with anything in writing regarding our conversations for me to have future protection by following their advice. I asked if I could have copies of the notes from the calls and was told I would need a court order. I am simply trying to make my payments and qualify for PSLF and am receiving conflicting information from Mohela itself. I still am not clear what is best to do next.
Consumer complaint received 2024-08-23
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: DISCOVER BANK (FL)

XX/XX/XXXX Discover bank said they would not refund me for {$6900.00} of fraudulent transactions on my discover credit card. My discover card was stolen from my residence XX/XX/XXXX and I was being threatened by the individual if I told on them they would harm me and my dog and my home. Ive since been reporting to discover and the police this incident as I have moved, changed my car and job and feel as though Im in the clear and safe from this person who stole my credit card, discover is refusing to refund my money stating there is not enough evidence of fraud even though Ive contacted the police multiple times and did NOT make those transactions.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX  XXXX Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX Filed/Reported XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$24.00} XXXXXXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$430.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXXXXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NJ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-11-09
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. (AL)

I'm XXXX XXXX XXXX and I've been analyzing my recent credit report, and seeing these names and addresses that doesn't belong to me is just not cool. I want them off of my credit report as soon as possible! 
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 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 All certify that all these information listed is inaccurate and not mine, plus it violates my consumer rights according to FCRA 15 USC 1681s-2 & 1681i.
Consumer complaint received 2023-11-09
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. (MD)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO (PR)

I made a payment with a credit card in Cash on XX/XX/XXXX, Banco Popular de PR ( BPPR ) does not recognize the transaction until Tuesday, XX/XX/XXXX. Also, when I made transactions between my accounts ( checking and savings ) in the BPPR, the amount of one of the accounts ( for example, checking ) was withdrawn instantly, but the recognition of the deposit could take up to 2 days. If you deposit a check from another banking institution to the BPPR account, the disposition of funds can wait 3 days at the local bank and from US banks 7-10 days. I believe this represented a departure from the CC Regulations.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission.
Consumer complaint received 2023-11-09
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. (MD)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (LA)

I previously disputed a collections account reported on my credit report with Equifax and XXXX. I disputed the reported item from the collection agency XXXX XXXX, ( original creditor XXXX XXXX ) because I requested to end the services with the telecommunicatins company, XXXX XXXX, and had a XXXX balance with nothing else owed on my account at the time the account was closed. Each time I disputed this item with the credit bureaus, I requested that the collection agency provide the original contracts from these telecommunications companies, as well as proof of the remaining balance owed. The collection agency was only able to verify I was once the account holder. Neither Equifax or XXXX investigated beyond this. They did not require the collections agency ( XXXX XXXX ) to provide any documentation to verify their claim of the amount owed. This item is still reported on my credit report and adversely affecting my credit score.
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO (PR)

I accept an offer from XXXXirst Bank Puerto Rico to refinance a 1.7 % 15-year mortgage in XX/XX/2021. Now they want to raise the interest to 2.5 % claiming the Federal Reserve raised the interest which is not true. They offer Me another offer at 1.8 % interest but with higher closing costs. 
Is this misleading or illegal? Do I need a lawyer?
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Collection agency continues to report an old outdated account on my credit file. i sent them a request to validate the account and they refuse to do so. The original credit card is so old it does not appear on my credit. i don't recognize this account nor ever having credit with them. Portfolio re-aged the accounts
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: Experian Information Solutions Inc. (TX)

On XX/XX/2023 I mailed out a credit dispute asking that XXXX and Experian verify accounts that are reflecting on my credit report and confirm that every piece of information is reporting accurately. I mailed out a XXXX  day follow up dispute on XX/XX/2023, it is now XX/XX/2023 and Both Experian and XXXX have failed to respond within XXXX  days
Consumer complaint received 2023-11-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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: Experian Information Solutions Inc. (GA)

Hi, Ive been writing letters to the consumer reporting agencies office since XXXX concerning these 3 unfamiliar accounts they've added on my credit report. 

XXXX XXXX Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX Account # : XXXX Please know that this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXhas long been deleted in XXXX and Experians side but XXXX still shows this in their record. I'm not also familiar with those other two accounts. Kindly help me in the removal of those accounts.
Consumer complaint received 2023-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I tried to make a ACH direct deposit cash advanced for {$15000.00} from Bank of America using a promotion that advertised no interest on said charge via their online mobile app. It was advertised as cash in XXXX business days I mistakenly entered a wrong number for my XXXX XXXX XXXX Account number. After not seeing the cash in my XXXX account after XXXX  days, I called Bank of America as something seemed off. I read back the correct account number to them and was told that it matched what they had. I also made them aware that neither the website or mobile app had any page where I could see the details ( amount, account #, not even a transaction ID ) of this transaction like with any other transfer or transaction. 

After a few more days of still not receiving the money ( now outside of their time window ) I called back again and was met with a lot of rude customer service and insistence that I needed to keep waiting for the transfer. I had to keep insisting that I speak to a manager as something was definitely wrong. 

It eventually came out that the employee had verified the wrong number. I called XXXX and they were able to locate the funds and return them to Bank of America. Bank of America verified that they had received the funds and that the transaction was reversed and complete. 

The following day I received an email from Bank of America stating that another {$15000.00} transfer had been initiated. I immediately called as I had not authorized anything like this after my nightmare experience the first time. I was told this this was a fluke email and that I had nothing to worry about. 

I received the same email the next day and saw money in my XXXX account and knew that something was wrong. After calling back again I discovered that an employee had access my account and initiated the transfer without permission. 

As I did not authorize this transaction I filed a dispute and left the money untouched in my account. I did not want to tell XXXX to reverse the charge because I had no idea where this money would go to if reversed ; I had no details of the transaction and did not know where it would be reversed to. 

After this I paid off my Bank of America card and waited for the dispute to be reversed and transferred back from XXXX. I received a letter in my online portal stating that they needed me to do long list of this things which seemed absurd for a transaction they know their employee illegally made. I kept the money in the same account throughout this time untouched. 

On XX/XX/XXXX after using the card, Bank of America immediately posted another {$15000.00} charge to my account stating the claim had been resolved and that I would be charged interest and fees accordingly for a transaction their employee made illegally and unauthorized.
Consumer complaint received 2023-08-28
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I received a debt collection letter on XX/XX/XXXX claiming I owed a debt to a gas company from XX/XX/XXXX. I have never received a bill from the company they claim I owe money to. The collection letter was listed under a previous last name I have not legally used since XXXX. The debt was unfounded by the company and they did not pursue it any longer. On XX/XX/XXXX the debt was sold to another debt collector. The debt was unfounded and they no longer pursued it. On XX/XX/XXXX the debt was sold for a third time. This debt collector has sent me the same 4 letters and I have sent them 4 letters in response explaining this issue in detail. I have not heard from them again since the last letter I sent on XX/XX/XXXX. I received an alert that they reported to the credit bureau. They did not prove I owed the debt. They could not come up with a bill. The company they claimed I owed the debt to could not provide a bill or account number as well.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

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 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/year> I sent out a cease and desist letter along with a validation of debt letter to Midland Credit Management Inc. I received the domestic return receipt on XX/XX/year> with a signature stating that somebody working for that company had received my letters. It is now XX/XX/year> and I still have not heard back from Midland Credit Management Inc on whether they have validated the debt. They have not provided me a contract with my wet signature either. This debt is not mine and I expect it to be removed from my credit report.
Consumer complaint received 2023-08-28
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-05-10
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.