davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

My student loan payments are due on the XXXX of every month and since I am paid semi monthly, I typically pay my student loans on the XXXX. It is usually an easy process, I login into

Mohelas website and process the payment. For the past 3 months, I have received a letter in the mail stating I missed a payment but thankfully I have the email confirmations and the payment posted on my bank account to confirm this is not true. On the letter it states to call if I have any questions but I do not do so because it is impossible to reach anyone on the customer service line. The reason for my complaint is because this month Mohela began to transition to a service platform and completely disabled the only way to make a payment. I received no communication from mohela about how to make a payment during this time. So you can imagine my surprise when I logged into the portal
on XX/XX/XXXX ready to make a payment, and the website offers no information except for youll receive an email when the new platform is ready. I began calling on XX/XX/XXXX and XX/XX/XXXX before my payment was due to discuss what would be my options to make a payment. It takes nearly 5 minutes to get through the service menu and then stated my wait time would be 15 minutes. Around minute 6 the music stops and the call goes silent with no option to return back to the menu. I continued to call on XX/XX/XXXX with the same luck. I am now being told that the only way to make a payment is to mail a check. In this day and age, USPS is unreliable and with many American already struggling to make student loan payments, our only option is to hope and pray our check gets there? Additionally, there was no communication about this beforehand meaning I will not suffer the consequences of making a late payment when I have done everything in my power to make sure I stay on track. This is completely unfair and wrong!
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (AZ)

On XX/XX/XXXX was seen at ER. Received bill from XXXX AZ XXXX called and gave them insurance information. They billed insurance and insurance paid in full. Received another bill XX/XX/XXXX shows not paid. Bill sent to collections. Called collection company and explained. Sent in dispute on credit report. Had a XXXX way call with XXXX XXXXXXXX XXXX and insurance company. Told bill was paid all done and finished. Checked credit report this year XX/XX/XXXX and collection is still there. Called collection agency to dispute and insurance to verify. Collection agency told me, '' You received a check now pay us. '' I explained that it was paid in full and we did not receive a check. I have verified this information with insurance company. This is the third time I have spoken to a collection agency about this bill. Our insurance company does not send the member the bill. Spoke to insurance today XX/XX/XXXX to again verify. XXXX paid to XXXX XXXX XXXX from XXXX The current collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Insurance go will be sending me a copy of the claim so I can have a copy. I do not know what else to do.
Consumer complaint received 2024-06-11
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-20
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: MOHELA (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AR)

MOHELA has had my application for income based repayment since XXXX XXXX. That's 9 months. 
For some reason it has not been processed and applied to my account. I have to call with a XXXX minute time every month to get an administrative deferment so that MOHELA can have time to process my application. As I've told everyone I've spoken to, and previously written in messages, I have a XXXX  XXXX XXXX  XXXX and speaking is often difficult. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can't make my payment because I'm XXXX and don't have the money. Messages aren't answered for months and my loans will go in to default because I can't get MOHELA to process my application that has already been approved 9 months ago. I dont understand why they wont process the application and why they are making it so difficult to communicate. MOHELA also won't make XXXX accommodations to communicate with me in a method that I'm capable of.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt MIDLAND CREDIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Account number - XXXX Date opened - XX/XX/XXXX Balance - {$1000.00} MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Account number - XXXX Date opened - XX/XX/XXXX Balance - {$1100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account number - XXXX Date opened - XX/XX/XXXX Balance - {$710.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account number - XXXX Date opened -XXXX XXXXXXXX, XXXX Balance - {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account number - XXXX Date opened- XX/XX/XXXX Balance - {$620.00}
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

As of XX/XX/XXXX all three of my credit reports are reflecting an open/past due account with Midland credit managemen. It states that this account was opened on XX/XX/XXXX and the account balance was updated on XX/XX/XXXX. 0 % has been paid to date. The total past due amount reflects {$750.00}. Ive researched said company with XXXX and it shows NO matches for this collection company.
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

My XXXX, XXXX and XXXX Credit File is showing a past due amount of {$260.00} and a balance of {$370.00} for a Citgo Credit Card that show as a chargeoff account. I received a notice from a Collection Agency that they are handling this account. Synchrony Bank is reporting Inaccurate information, if the account has been transferred or sold to a third party for collection, it should not be reporting a balance or a past due amount. Under the FCRA guideline this is a clear Violation. I would like to have this Inaccurate information deleted from all three of my credit files. This is impacting my ability to obtain credit due to the incorrect reporting by Synchrony Bank. I have contacted Synchrony concerning this issue before and it was never corrected.
Consumer complaint received 2023-11-04
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: EQUIFAX, INC. (MO)

I am writing to express my deep concern and frustration regarding the continued presence of fraudulent items on my credit report despite numerous previous attempts to have them removed. These fraudulent entries are severely impacting my creditworthiness, and I urgently request your intervention to address this persistent issue. 

This account was opened fraudulently and is not connected to me in any way. I have reported the identity theft and fraudulent activity related to this account multiple times. The debt is not mine, and I have provided supporting documentation, such as police reports, to substantiate these claims. 


I have reported this fraudulent activity to law enforcement, and it is not my debt. I have provided evidence to support these claims in previous disputes. 

This collection account is a result of fraudulent charges and has no connection to my financial history. I have diligently reported this to the proper authorities and the creditor. Supporting documentation, including police reports and incident reports, has been provided. 

It is disheartening to note that despite my previous disputes and the evidence provided, these fraudulent entries remain on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies take immediate action to investigate and remove inaccuracies in credit reports. 

I respectfully request that you re-evaluate my past disputes and expedite the process to remove these fraudulent items from my credit file. I expect that you will keep me informed of the progress and provide me with a copy of my updated credit report once these inaccuracies are rectified. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX says I owe over XXXX. Since 1985 and that my name is XXXX XXXX XXXX I've never used XXXX XXXX XXXX in my life They kept trying to get me to say on a reordered line that it's me and it's not so I will not scammed This is on my credit report also ..this is unfair and I want either payment for the pain and suffering I've endured for thf past 30 hrs over this embassment or I want it disposed of I will not pay a XXXX under someone else 's name
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/XXXX and XXXX, I received multiple requests from XXXX XXXX XXXX XXXX on the XXXX  app, asking me to sell XXXX. XXXX XXXX XXXX sent the funds to my Bank of America account and provided screenshots of the transfer as proof. I verified that the money was credited to my Checking account and instructed XXXX to credit the corresponding XXXX to XXXX XXXX XXXX 's XXXX account. This is the standard procedure for peer-to-peer ( XXXX ) transactions on XXXX. 
However, on XX/XX/XXXX, upon checking my Bank of America account online, I noticed a retention of {$6700.00}, which coincides with the sum of the XXXX transactions XXXX XXXX XXXX made. I immediately contacted Bank of America, and they requested me to submit an email or proof of the transaction, providing a specific code for the email submission. I promptly complied with their request, but when I called XXXX days later to confirm if it had been received, I was informed that the code I used was intended for the claimant, XXXX XXXX XXXX, not me. They assigned me a new code, and I resubmitted all the relevant information and documentation, including screenshots of XXXX screens and chat conversations with XXXX XXXX XXXX through the XXXX messaging app. 
After a few days, I contacted the bank again to inquire about the status of the investigation, and they informed me that they were " still investigating and would get back to me. '' On XX/XX/XXXX, I noticed that the {$6700.00} retention was no longer visible in my Bank of America account. However, to my surprise, XXXX debits were recorded, reflecting the XXXX transactions and totaling {$6700.00}. I immediately communicated my concerns to the bank, but they assured me that the funds would be reimbursed by the end of the day. Although I tried to explain that the account activity appeared as debits and not credits, they insisted that I shouldn't worry and that the funds would be reinstated by the end of the day. 
To my disappointment, the following day, I verified that the XXXX transactions remained recorded as debits, and the funds were still deducted from my account. When I contacted the bank once again, I was informed that " the investigative team ruled in favor of the other party '' and that the case was now closed. 
Despite my repeated attempts to follow up on the investigation, I never received any communication from the bank nor an explanation regarding their decision. I was not given an opportunity to clarify the evidence I submitted or to provide additional proof that may have aided the investigation.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

I am writing to express my profound concerns and frustration with the verification process required for my account. Despite providing the requested video documentation, which includes holding my legally obtained and legally issued California state driver 's license, speaking my name, the date, and the purpose of the video, confirming that I am the sole user of this account, and stating the day accompanied by my driver 's license and a clear view of my face, I am still experiencing issues. 

Additionally, I filed a police report with my local authorities for identity theft against Binance, as there was no other option available. I also submitted the required license verification with a selfie. However, due to my driver 's license not having a physical address attached, you are holding and potentially stealing my funds, which is wholly unacceptable. 

Moreover, I am expected to pay taxes on this money, and I would receive a XXXX form in the mail, even though you have frozen and withheld my funds. This is not only unjust but also illegal, as you should not require me to pay taxes on funds that I never had access to. 

Furthermore, the information and documentation I have provided are more than sufficient to prove my identity. I request that you review my case thoroughly, expedite the verification process, and release my funds immediately. 

Thank you for your understanding, and I look forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

Santander Bank will not allow me to payoff loan online. It will ask me to provide external account and it will take up to XXXX hours to verify account but it never does. Does not allow me to even adjust my current monthly payment
Consumer complaint received 2023-02-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have sent disputes to experian, letters and verifications in reference to bankruptcy. Experian 's response, '' the bankruptcy was verified court record results Ran info against municipal court system records Personal XX/XX/2022 We ran your personal information against municipal court system records and found criminal acts reported in the court system with your identity. 
WHAT NOW? 
If you recognize this court record, no action is required on your end.- I wrote to the court and the sent me a letter stating that the U.S. Bankruptcy Court does not report or provide information to credit bureaus. Experian Lied
Consumer complaint received 2024-05-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX I applied for loans through payday loans Check cashing loans places after saying I was approved I once arrived then told I'm denied for no reason they don't provide why and I would like to know why my loan was not given They asked for credit card where money is deposited every month and I gave that and then they say I'm not approved but will not explain why
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (OH)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Ohio Laws Dear LVNV FUNDING, I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Ohio Revised Code under Sections 1349.19 and 1349.20, and identity fraud laws, specifically Ohio Revised Code Section 2913.49.

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Ohio state law, specifically Section 1349.19 of the Ohio Revised Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 1349.20 of the Ohio Revised Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Ohio Revised Code Section 2913.49, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 1349.19 and 1349.20 of the Ohio Revised Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Ohio state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith,