davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I called today XX/XX/XXXX to follow up that my loan count be updated based on XXXX. Previously, I uploaded the required for that was signed by my HR at XXXX on XX/XX/XXXX and staff said that would be processed. Today another representative at MOHELA said that form will be denied because it was signed in XX/XX/XXXX and uploaded in XX/XX/XXXX. When I asked to speak with a Supervisor, I was placed on Hold for 15 minutes and I had to hang up.
Consumer complaint received 2023-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to dispute the late payments that have been reported on my credit report. I recently obtained a copy of my credit report and noticed that there are several late payments that are affecting my credit score. Upon reviewing my records, I have found that these late payments were due to circumstances beyond my control, and I would like to request that they be removed from my credit report.

The late payments in question were caused by a temporary financial hardship that I experienced last year. During this time, I was a full-time student, and I relied on financial aid to cover my living expenses. Unfortunately, due to a delay in the processing of my financial aid, I was unable to make my payments on time. Although I have since graduated and have been making timely payments on my accounts, these late payments are still showing up on my credit report and negatively impacting my credit score. 

I have attached documentation to support my claim of being a full-time student in XX/XX/2019, which was the time period in question. This documentation should serve as proof that my inability to make payments on time was due to my student status and the delay in my financial aid processing, rather than my negligence or inability to pay.
Consumer complaint received 2023-12-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Some facts : - We were charged a full month 's rent ( {$1800.00} ) on XX/XX/ - However, we should only be charged a pro-rated 19 out of 30 days because we gave notice to move out on XX/XX/XXXX. The pro-rated amount for XX/XX/ rent is {$1100.00}. We asked the debt collector to please adjust the bill/ledger to this amount on XX/XX/ ( from {$1800.00} ) with no acknowledgement or response. 
- In addition, we are disputing the cleaning charges for the unit & carpet cleaning. Specifically, we are asking for receipts for the cleaning charges as we do not believe these are valid. 

We have provided multiple pieces of signed, written proof of our intent to move out on XX/XX/ and asked the debt collectors to adjust the ledger and charged rent accordingly. The debt collector has not acknowledged or adjusted any debts. 

The debt collectors have also not provided any evidence for cleaning charges even though we asked them on XX/XX/XXXX.
Consumer complaint received 2023-12-23
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. (PA)

I have given XXXX a police report because I was a victim of Identity theft. I noticed a high volume of inquiries and asked them to investigate. They told me it would be 30 days, it has been more than 30 days. They have no given me proof or responded. This is against Fair Credit Reporting Act and my rights. I ask that the inquiries below be removed. 

XXXX XXXX  XXXX XXXX XXXX XXXX OF 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I do not recognize, nor did I authorize these companies to pull an inquiry of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for purpose.
Consumer complaint received 2023-12-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CO)

I have contacted national credit systems, XXXX XXXX XXXX, which no longer exists, XXXX XXXX which is which is the entity claiming that that is a owed. I have been asking for specific dates of these alleged Money 's owed. I have spoken with XXXX who manages what what was once XXXXXXXX XXXX XXXX. XXXX stated that they have no records of my account as new ownership as well as new property management has taken over. I have left several messages for XXXX XXXX with no responses. I have requested that national credit agencyes reach out to whomever is making this claim however they refuse to do so. these items have been placed on my report and removed on several occasions each coming up with a different name and/or Place on my report useing multiple entitperiod I have been trying to remedy this since XXXX of XXXX items have been disputed by credit reporting agency and found to be untrue. Additionally, national Credit system hangs up on me after telling me that I'm wasting my time.
Consumer complaint received 2024-05-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

These reward cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender XXXX and tell us there is nothing they can do about it. They falsely advertise that their cards can be used anywhere that accepts American Express  cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I tried to use at XXXX- it was declined and I had to 'request ' a new card. Same issue with current card. My money is inaccessible. All I want is the total balance on my cards in cash/check. 

card # XXXX {$100.00} activated XX/XX/year>
Consumer complaint received 2023-12-22
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-03
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: EQUIFAX, INC. (PA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # 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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am formally requesting this letter to fix the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act. XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$9200.00} ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$25000.00}.
Consumer complaint received 2023-04-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (IN)

On XXXX XXXX, at the time was a patient of XXXX  office of XXXX XXXXXXXX XXXX XXXX At the time I had got XXXX  that day and was only XXXX  years of age at the time. I never signed any contracts stating that I should be legally responsible for the payments. My mother had signed a contract stating that she would be responsible since I was legally a minor. Even though the XXXX  office was aware that I was making payments myself. I was set up on a payment plan with an original balance of XXXX with XXXX monthly for about 2 years. I had initially paid XXXX as a down payment in cash on XX/XX/XXXX. With me being a minor and still in school I did not have a stable income to continue making payments. So I stopped going for months at times. Probably about once a year until around XXXX of XXXX my last appointment. Most of payments I made were in cash. Some were on bank statements that I have. 7 years later after being threatened to be sent to collections after first becoming delinquent for a time I am just now getting a report for a full balance as if no payments were ever made. I never signed a contract after becoming of age of XXXX nor agreed to be financially responsible from the day that I first got my XXXX  as a minor. I do believe this is a violation under the FCCPA unfair practices section [ 15 USC 1692f ]. I will need to see proof of the debt. Also a itemized receipt of all payments including cash from XXXX XX/XX/XXXX. I should not have been responsible for the debt as a minor legally. I also need to see proof a an expressed consent contract that I signed agreeing to debt.
Consumer complaint received 2024-05-30
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credova Holdings Inc (HI)

Today XX/XX/year> around XXXX Hawaii XXXX, a number ( XXXX ) XXXX a debt collector was calling to try and collect for Credova , she said she worked for a company called XXXX XXXX debt for Credova. I did not verify any information however I did quickly respond to her saying please stop calling me, yet she kept talking over me. I asked her again to please stop, she still kept on going which I then hung up.
Consumer complaint received 2024-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine. 
I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I consistently make on-time payments, of which I'm certain. However, I'm unsure why this company reports me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors must be corrected, or they'll owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX With this account I did not have late payments. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

The Credit Bureau did not send me back any verification information about the court verifying the bankruptcy which is reporting to my XXXX and Equifax. I submitted a letter that stated the court of the XXXX XXXX XXXX Illinois does not report bankruptcy to the credit bureau and asked them to remove it. They sent no verification information from the court with the referenced bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX and on Equifax reported dismissed XXXX XXXX XXXX XXXX XXXX XXXX  This is misinformation as I have no Bankruptcy in XXXX XXXX Neither of the organization provided documentation from the court of the northern district. There letter states they do not report to credit Bureau and I am asking for them to remove it from my file immediately.
Consumer complaint received 2024-05-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credova Holdings Inc (HI)

Back in XXXX I went in to lease a dog, not a rental unit. It went into collections but the company XXXX put it under as a rental in XXXX. I just found out this month of XXXX when I tried to apply for XXXX rental units in XXXX XXXX. Ive been denied to both units once on XX/XX/XXXX and once on XX/XX/XXXX, both naming the company Credova and that Ive been behind on rental payments. Ive tried submitting proof to both rental properties that it was for a puppy store, but they further told me Id have to dispute it. Ive since been in contact with Credova, who has then told me to contact XXXX XXXX their financial department, who has then told me to contact XXXX XXXX XXXX the third party company who bought out the account. Each party all stating its a regular collection. XXXX XXXX XXXX is the only company to provide a letter stating its a regular collections for a dog, and only XXXX of the XXXX bureaus XXXX accepted the letter. XXXX and XXXX has still denied it and still says rental. Weve tried making a complaint through them but both has denied us.
Consumer complaint received 2023-12-21
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX**** Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 other 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One has closed my credit accounts for missed payments and i was told this multiple times and they attempt to switch it. I had the sufficient funds in the account they attempted to withdraw from just they couldn't because it would return on there end twice. We finally made the decision to manually step in and charge our other bank to pay off our whole debt with Capital One. 

It is well known, Capital One closed my accounts because they had a error trying to take the payment from my other institutions. This is a problem that could of easily be solved instead they decided to close my accounts. Very sad day as I have been banking with Capital One for years and years. 

I have so many questions, Will my future credit accounts down the road 1-3 years from now be closed because of these closed accounts? 

Will Capital One take responsibility of there mistake and reopen? 

Why didn't they send a notice or call me that they were having a error trying to process payments? 


Such a bummer situation, i attempted to open a new account and they closed that one also. So is my credit banking relations with Capital One over forever?
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (MO)

On XXXX I called in and requested that my account be set up to accept bi-weekly payments. Prior to Mr. Cooper purchasing my account I was set up in the same manner with my prior vendor. 

Despite my request, my payment which posted on XXXX was applied directly to principal instead of being set aside " Unapplied Funds '' until the entirety of the next payment was available.