davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (WA)

Hello, I am in the process of trying to get a house and the lender states that my student loans are being doubled on the credit report that they pull. My student loan servicer is MOHELA and I have tried to call them and they can not remove the double reporting. I have confirmed with them I only owe around XXXX and the credit bueras are showing XXXX being reported. This is extremely frustrating and I am not able to get a house. I dont know where Im going to live if this doesnt get sorted out. MOHELA is doing nothing to help. Please help.
Consumer complaint received 2024-08-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Scratch Financial, Inc. (WI)

Scratch sets up a XXXX loan payment with a XXXX % interest period. Fine print - XXXX % interest IF paid in full within XXXX  months. 

However, you pay interest for the entire duration. When you finish paying off the loan principal, which would be at {$0.00}, the interest collected during that period is applied to the principal. 

Applying collected interest to a {$0.00} principal would be negative- which amounts to essentially theft of their interest rate they've been charging for XXXX Months. 

It's theft.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

my credit report sent alert that my XXXX  XXXX loan was reported 60 days late on XX/XX/year> which is wrong! n I have a payment agreement and have not missed any payments. I verified my bank account and all payments have been made. All payments below were taking.l. I called XXXX XXXX and they claim they dont show any missed payments on my ACCOUNT. 
XX/XX/year> {$64.00} XX/XX/year> {$64.00} XX/XX/year> XXXX XX/XX/year> {$250.00} XX/XX/year> {$250.00} XX/XX/year> {$250.00} XX/XX/year> {$310.00}
Consumer complaint received 2024-08-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GFS, Inc. (MO)

On Friday XX/XX/year>, I received an email from my Job stating my checks will be garnish by Shaffer & Associates, which is a third party collection agency. The claim against me has be debt that was accumulated for over 10 years ago. Due to the lack of notice, I was never made aware of any court orders nor any summons of when this debt needed to be paid. After conducting my research, I reached out to XXXX XXXX regarding the allegations made towards me. It has seemed to be that this claim could not be found. Furthermore, I contacted Shaffer & Associates to settle the debt but Shaffer & Associates had to reach out to the owner of the property and no response has been made. XXXX Shaffer & Associates ) was never affiliated with the original buyers and Due to the statute of limitations of this debt this should deem to be unruly for Shaffer & Associates pursue me after all these years.
Consumer complaint received 2024-04-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

Subject : Dispute of Inaccurate Information on Credit Report Violation of FCRA and 15 USC 1681i I am writing to formally dispute the presence of a collection account on my credit report, which has adversely affected my credit standing. This dispute is based on the grounds outlined in the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX, which grant consumers the right to contest inaccurate information on their credit reports. Upon reviewing my credit report, it has come to my attention that your collection entry appeared without any prior notice sent to me. This lack of notification is concerning as it contradicts the provisions of the FCRA, which mandates that consumers be informed before negative reporting is included in their credit files. On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX ( UAS collection agent for XXXX ) who stated the company auto enroll everyone in to paperless is the reason I was not notified of any payment, he then updated the account from paperless to grounding and provided me info to access my account ( which I was not aware of nor had any information when, where or how to access ). I graduated in XX/XX/XXXX, I have no knowledge of this debt until XX/XX/XXXX. I tried to resolve the issue but XXXX and account manager for UAS stated they cant help me. I reach out to XXXX and they told me that UAS is the one who does the investigation not XXXX and then UAS will provided XXXX with the results. That does not sound like a proper investigation to me nor did I receive written proof of any investigation help by XXXX or UAS. I have requested proof of allege debt and I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Moreover, the reported information suggests that I was XXXX days late for XXXX consecutive months. That can not be accurate according to simple math. If I had been notified of any payment to a debt, I would have fulfilled my obligations. I kindly request that you provide the following documents : A complete account history detailing the nature of the debt. The original signed contract or agreement related to the alleged debt. Any documentation proving that the debt is legally assigned to your agency. Proof of your agency 's license to collect debts in XXXX  Per the FCRA and 15 USC 1681i, I expect a thorough investigation into the accuracy of the reported late payments, followed by the correction and updating of my credit report.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TFS FINANCIAL CORPORATION (OH)

This is from a transcript from XXXX XXXX XXXX XXXX XX/XX/2024 Third Federal Savings and Loan received a call from a call from an XXXX from XXXXXXXX XXXX XXXXXXXX department notifying them of an attempt by a third party to take over XXXX XXXXXXXX XXXX account. XX/XX/XXXX message left to discuss claims by XXXX. I didn't return call. My account was locked. XXXX, I called customer care to request access to my account online. I was told an investigator would call back. I did not return call. XX/XX/XXXX I called customer care to get access to my account online. I was transferred to Third Federal 's investigator. I told her I was unaware of any online activity on my account. She seemed to think it was strange I answered questions by saying '' I didn't know. '' She told me there were incoming transfers from XXXX into Third Federal checking account and various external transfers out of the account to an account titled with XXXX XXXX name at another financial institution, I still don't know what this account is and what institution it is at. She said the XXXX transfers would be returned to XXXX. I have not heard anything form XXXX and I don't know what their role was in this situation. XX/XX/XXXX I got a letter from Third federal that my account was closed and the " funds '' were returned to XXXX. I lost {$11000.00}. i don't understand how I was held responsible for what happened. I didn't do anything at all. Third Federal seems to think it was my fault. This was an account hadn't used for a long while. I still don't know exactly what happened. If she had told me straight out at the very beginning I would have responded better. I still don't understand how this is legal and I am being held liable. I put my in a bank and thought it was safe. Now I have lost my money because some hackers did something. This isn't right!
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AR)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-12
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-06-12
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF NEW YORK MELLON CORPORATION, THE (SC)

The violator is The Bank of New York Mellon indenture trustee for XXXX XXXX XXXX. Their have been multi consumer violations over the last 8 years That only now have we been made aware of! Their is a RESPA Reg X violation that occurred on XXXX We have the affidavit from the process server. I filed bankruptcy back in XX/XX/XXXX and the same company violated the automatic stay that was in effect during my bankruptcy XXXX thru XXXX Said company went to the XXXX XXXX South Carolina Register of Deeds on XX/XX/XXXX with out permission from me, my estate, the court, and filed assignment papers disseizing real property violating my equal protection rights and i believe to be contempt of court. They have named me a defendant in a third attempt at foreclosure to a debt that has been discharged by the court 8 years ago calling it a new debt that happened after the bankruptcy, THATS NOT TRUE! What they did was have a hearing back in XX/XX/XXXX, i received a notice and went to the court to attend, i check in with the court baliff was instructed to wait in a specific room till called, waited 45 min only to have the opposing attorney come in to the room and ask ARE YOU THE LAMBS? I said yes and was told by the opposing attorney that we are all set, we do not need you any more! Well at the time i did not know the person i was speaking with was the opposing attorney, i following the baliffs instructions and thought court personal which i assumed this person was would be calling us in for are hearing, Well i only found out in the last year that it was the opposing attorney and that the opposing attorney had a one sided hearing with the court while i was conveiniently de nide access to the hearing. What i have found is the opposing side who had foreclosed on me in XX/XX/XXXX in a court case the went full due process with a verdict from the court in the opposing sides favor went back to the court and had it vacated 14 months later. I want relief and restitution from the living hell and harrasment they have inflicted on me!! Their is also a cares act violation from XXXX XXXX! The statute say signeficant penalties for violations these companies AND THEIR CONSUL!!!!! NEED TO BE PUNISHED HARSHLY. I WANT RESTITUTION!!! Thank You Sincerly XXXX XXXX XX/XX/XXXX cell XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

In XX/XX/year>, I ordered a purse online from Kohls. It was taking a long time to get to me and appeared to be held up by USPS. I contacted Kohls and asked if I could cancel the order. They said " no '' but that I could refuse the package when it arrived ro return to sender. I was not at home when it arrived so I did a return to sender. This can easily be verified by looking at the tracking. 
I started checking my account for refund progress. When the refund wasn't showing up, I started contacting customer service via their contact XXXX feature. I spoke with several reps over the next 2 months who all assured me that they could see where I returned the purse and that my card should be refunded in XXXX days. It took 2 MONTHS! They finally refunded my card. but because it too so long, I got a late fee added to my card. How can I get a late fee added for a return???? I started contacting customer service again. It took a month to get the late fee removed. 

So they removed the late fee in XXXX but turned me into the credit agencies, causing my score to drop almost XXXX points, going from excellent to good. This is unacceptable. It was a RETURNED item. How can there be a late fee on an item I returned almost as soon as I received it???? There was nothing else charged to the card. That returned item should have been refunded back to my card in a timely manner. Kohl 's did not do that, causing a late fee. 

I disputed it, and Kohls denied any wrongdoing. The only conclusion I can come up with is they didn't bother to look into it, because it is obvious, I am not at fault here. Please fix this ASAP. I have had excellent credit for years and I don't want to have to hire a lawyer to get that back. It shouldn't come to that.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX is trying to further delay providing me any remedy for the letters I have been sending to get them to verify and validate an alleged debt legally. Now to add insult to injury they are stating that there is a third party involved with no evidence to support their claim and closed my CFPB complaint. How do they have authorization without verifying that claim? For the record ... .no third party is assisting me as I have to affirm when I'm filling out the form here on the website. Submitting this to affirm that they have received all my verifying documents- notarized and under penalty of perjury.
Consumer complaint received 2024-01-29
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. (TX)

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 15 USC 1681.

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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge. 
I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621.

The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under the law.
Consumer complaint received 2023-05-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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 2024-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WA)

Years ago I had opened an account with XXXX  XXXX company for credit card to build my credit, they always kept moving up the credit limit and allowing overdrafts even though it shouldnt have been as the limit is there for reason. Anyways one time I had payed down my card and become a victim of fraud via a romance scam. 

I spent weeks on the phone with them trying to get them to understand the situation and the call support workers were very bad at understanding due to their language barrier, I would get them to supposedly open investigation and within a day they said they didnt find fraud even though I explained to them exactly what had happened and sent them the evidence numerous times to their fraud department by mail like they asked. 

Each time they kept saying they didnt recieve it and I had to keep resending copies each time, eventually I gave up and asked them to close and charge off the account. 

They agreed and supposedly did it the same day as I immediately lost access to my account so I threw away the card. 

However I noticed bout a year later they put it in my credit report as charged off and collections for a newer date, I would then dispute and provide evidence over and over but they kept putting back the inflated amount onto my credit report with new dates of supposed closure each time as if it was a new debt. 

This company is well known for their terrible customer service, their terrible scam tactics and harassment as well. 

Do not use these people! They take advantage of XXXX and low income people especially ones who just became XXXX or are XXXX. 

I reported to XXXX credit bureau who immediately solved the issue and removed from report as they had no evidence nor accurate information, however attempting to report to transunion they insist contacting the creditor first despite already doing this months and months and the creditor never solving issue. 

They do not seem to be knowledgeable about any fraud or scam including someone taking your card and running up all the purchases they can on it, you ask for evidence its you and they never provide it because they know its not going to be you on any documentation or video. 

Oh and the state Im in requires collection agencies to be licensed in this state, when I check the website for this collection company they do not have a license for XXXX  XXXX  at all, thus they can not legally attempt to collect on debt here.
Consumer complaint received 2024-08-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MN)

My son and I bought a computer from best buy. We opend a credit card account with them to get this computer. There was a promotion going on and we was able to get this computer. 

My son started paying monthly on this computer. Even though the minimal payment was about XXXX dollars he was paying XXXX a month well over the amout needed to pay the computer off earlier. 

By the time we found out the promotion was over I had a talk with a representative and they explained how much I had left to pay the computer. They said if we paid XXXX on the bill then the bill for the computer would be done. 

My son paid XXXX before the promotion was even over. Then after he continued to pay past the amout of the interest fee and they continued to gouge him. 

I feel like they are double charging for this computer. And we should get our money back for the over payment.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

To whom it may concern.

I am writing to update/correct my personal information on file with your company. 

Please update my address ( ( ( XXXX XXXX XXXX XXXX ga XXXX ) ) ) Please update my name ( ( XXXX XXXX XXXX ) ) I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX