davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WV)

I am applying for XXXX XXXX XXXX XXXX with MOHELA. I sent in my income verification in Fall of XXXX. While some of my income has been verified and approved, much of it has not. Some of my income does not qualify and I understand this. However for the rest of my income that does qualify it is taking a VERY VERY long time for the information to process and be certified. I have called several times and every time I am told they are working on it, yet I do not see progress with my account. 
For instance - I have a period of qualifying income that dates from XXXX to XXXX. MOHELA has certified my income for this employer from XXXX only. I am missing 3 years of certified payments and income! 
I have sent them verification of my employment from XX/XX/XXXX to XX/XX/XXXX. Once again they have only certified part of this time period despite the fact that I worked for the same employer the entire time. 
Employment information I have sent more recently, covering from XX/XX/XXXX to XX/XX/XXXX has already been processed but the earlier information has not- despite it clearly showing as received and processed. 
PLEASE update my file so it accurately reflects my efforts at XXXX. I am doing my part MOHELA needs to do theirs!
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (FL)

This is my second attempt at getting a resolution with a Mobile bill that has been placed in collection. It was originally placed through XXXX XXXX XXXX when I reported it to your organization. XXXX response was that, " The account was placed in a disputed status and collection activity was suspended. On XX/XX/2022, we mailed you documents obtained from XXXXXXXX validating the balance they state is owed. In addition, you were also mailed a fraud packet. In an attempt to help you find resolution '' The above statement is false. I never received a packet, if I had I would have taken care of this issue. I do not want to waste your organizations time, but I need assistance with resolving this matter. I am asking that XXXX proved proof with my signature on a contract dated for the dates of service. I have requested this from XXXX and they have not been able to provide that information. I appreciate any and all support you can provide. I am retired and live on a fixed income and would like this matter resolved once and for all. Thank you so much.
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

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, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (LA)

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 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
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (TN)

While I understand cards have an annual fee and some even have monthly maintenance fees its getting ridiculously high. Ive received a notice that my credit card with not only have around 30 % interest rate but a nearly {$20.00} fee on top of that. These are very predatory actions being taken by Concora Credit and their Milestone credit card. These fees for all credit cards in my option should be addressed.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$72000.00} ; XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX  XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXX XXXX XXXX MI XXXX.
Consumer complaint received 2024-04-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (SC)

My mother had her XXXX home mortgage through XXXX XXXX XXXX. She passed away XXXX XX/XX/2022, leaving her home to my sister and I. I am the executor of her estate. Her home was sold and the mortgage paid in full. I have a copy of the lien release from the mortgage company. An escrow refund check was mailed, but in the upheaval of selling the home ( which I was living in with her at the time ), moving, and grieving her death, the check was misplaced. I just found it about two months ago. Since the check is more than 180 days old, it is void and the bank will not cash it. I have since found that XXXX acquired XXXX XXXX XXXX. I have sent several emails and talked to numerous agents over the past XXXX weeks trying to get a replacement check issued. Only one agent has been able to find any record of the loan ( and I can't reach her again. ) She gave me another number to call that went straight to a voicemail. None of the emails I have sent or voicemail messages I have left have received a response, or even an acknowledgement that they had been received. The last call I made, the overseas agent gave me another number to call. I was connected to XXXX XXXX XXXX ... an autobody repair shop chain. I have my mother 's death certificate, her Last Will and Testament, the lien release from the mortgage company , the closing documents and settlement statement from the sale of her home, and the unendorsed, undeposited original check. It would not seem that this would be such a difficult problem to resolve, but I'm not getting anywhere and need help. I have found on XXXX and other review sites that XXXX is a terrible company with which to do business, and escrow refunds are a frequently mentioned problem.
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (TX)

I am the owner of a XXXX XXXX, and we are an agent for XXXX. On XX/XX/2024, a customer transferred and paid to us {$610.00} + {$10.00} fees for a total of {$620.00}. The money did not go through, so she came back and called XXXX. XXXX agent asked us to refund her the money ( as is the usual practice ). I processed the refund on XX/XX/2024 and since then the company 's transfer line went down. No further customer was able to complete a transfer. I called XXXX to recover my money and they said you can recover when next customer makes a transaction. Problem was that XXXX dropped all their agents and no one could transfer the money. I called for refund of the {$620.00} credit balance on my account, and they kept saying week, XXXX weeks and so on and as of now have not received it and fear that it may get lost if the company were to file bankruptcy.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: COMMERCE BANK (MO)

XX/XX/24 commerce bank closed XXXX XXXX account without permission and without sending us the information we requested ( account history ) impeding a XXXX investigation and then sent the balance of the account to the address of the person who is XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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. (AZ)

At the beginning of XXXX I filed a dispute for XXXX XXXX with exsperian due to inaccurate and unfair deceptive card practices. UNDER TILA THE CREDITORS INTENT IS NOT RELEVANT and must be deleted In 30 days also crediter did not provide Truth in lending disclosure statement or disclose the consumer contract related to the account for accuracy
Consumer complaint received 2024-05-09
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. (PA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy U.S.

Bankruptcy Court Reference # XXXX XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

my wells fargo debit card XXXX XXXX XXXX XXXX was impacted by fraud and an unknow company charged me {$6300.00} in 2x transactions i filled the claim ASAP and wells fargo denied it saying " we dont see signs of fraud '' while the billing address was not verified. they also denied me the right to appeal, that is guaranted by federal law. claim was denied yesterday XX/XX/year> and i called to appeal today. 

they said nothing can be done now and i know its a lie, i am customer since 8 years from wells fargo and its the first time this happen, his 0 liability program is a lie. 

i think somebody just got a photo of my card and used it with a fake billing address OR a bank amployee is envolved in the fraud. 

checking account number XXXX wells fargo denied claim number is XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/year> I noticed a collection company, XXXX XXXX XXXX appearing on my XXXX credit report. I was also receiving SMS messages to my cell phone from another company, XXXX XXXX XXXX claiming they are an agent for XXXX attempting to collect on an alleged debt. I do not know either of these companies and never did business with them. I dont owe any one anything. I then filed a dispute on line with XXXX credit report agency, then filed a formal complaint with the department of consumer affairs on XX/XX/year> against both XXXX and XXXX XXXX XXXX That complaint # is XXXX. As a result, XXXX credit reporting agency, after a very intense investigation, removed this alleged collection agency, XXXX from my credit report on XX/XX/year>. Furthermore, XXXX XXXX XXXX through the department of consumer in there response agreed to remove my information from there collection list and removed my phone number and added it to the do not call list. Now, Today, I checked my equifax credit report and noticed this collection company is still appearing on my equifax credit report. Im demanding that equifax immediately remove this collection company from my equifax credit report. Attached documents supporting my request are attached. This is hurting my fico score and making my eligibility for better interest rates and credit impossible. Also a complaint was made as well to the Federal Trade Commission on XX/XX/year> That complaint # XXXX.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a complaint regarding an inaccurate account on my credit report that was still reported despite my previous request and kindly request your assistance in getting it corrected. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00}.
Consumer complaint received 2024-08-06
Product: Credit card — Store credit 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: CITIBANK, N.A. (IL)

Company stated that the defective purchase exposed wiring was fixed and credit card company refused to received the email instead slammed me and said send the full balance or offer is void from the deceptive advertising and just closed my complaint with no resolution from.my protection no resolution from the defective product solicits from their store.
Consumer complaint received 2024-07-07
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)

XXXX, Experian, & XXXX are reporting XXXX account listed as XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX incorrectly there is no way that either consumer agency verified this account as accurate because courts are unable to released such information about court proceedings. The account is also listed twice on my consumer report which this is a violation of my consumer reports. XXXX as since deleted the account so the how is XXXX and Experian verifying information that XXXX is not able to verify. This information is causing me damages because its messing up my XXXX XXXX by having both account calculated into my score.
Consumer complaint received 2024-05-09
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. (TX)

I am a victim of identity theft. I have reported this Three times and nothing ever seam 's to get done. Litigation will follow. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX business days of receipt. Listed below the accounts to do not belong on my credit report. 
XXXX. XXXX XXXX XXXX  Wrong addresses reporting
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CrossCountry Mortgage LLC (LA)

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with FD/CROSSCOUNTRY MORTGA. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (AZ)

We were approved for a " forbearance on a current account '' while we try to sell this home. We received a notification from all 3 credit bureaus that our Loan Depot balance increased from {$470000.00} to over {$470000.00}. I was extremely confused as there's no reason for our balance to increase while payments are paused. When I called the executive team at Loan Depot they confirmed that our balance has not increased, and our payments have simply been paused. They also confirmed that paused payments do not get added to the existing balance of the loan, they just get added to the life of the loan. She said she would inquire about how they reported it, but she said she only shows that it was reported as a forbearance, nothing more. I explained to her that all 3 credit bureaus are showing an " increased balance '' so it is more than likely not something that the credit agencies are doing and I asked if she could check into this again because something either isnt getting reported correctly, or is being left out. Our balance is the exact same as of today ( XX/XX/XXXX ). It hasn't changed or increased at all. Someone is reporting it to the credit agencies incorrectly and they are adding our paused payments as additional payments and causing a notification of an " increased balance '' instead of reporting them as paused payments. My husband and I both took a 60+ point hit on our credit scores because of this, resulting in damaged credit. We also confirmed with Loan Depot that there is no negative reporting to our credit as it is a forbearance on a current account, and we are also under a VA moratorium until XX/XX/XXXX regardless. So, the decrease in our scores was simply because of an increased balance, which makes zero sense. This needs to be fixed.