davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

My XXXX loans with Mohela under the XXXX program were on the XXXX plan as $ XXXX and in XX/XX/XXXX of those loans were changed to the XXXX plan without my knowledge. I called Mohela and the representative said they didn't know why that XXXX loan was changed to the XXXX plan because I hadn't requested it and there was nothing I could do and that it would still count towards my XXXX. They also notified me that the other XXXX loans were moved to the XXXX program and stayed at the $ XXXX, so it was very odd that just XXXX loan was moved to XXXX 

In XXXX and XXXX I was charged {$54.00} for that XXXX plan that was changed to XXXXXXXX, but then I came across a XXXX support group where others experienced the same problem and were able to get their loan changed to the XXXX plan. So I called Mohela in XXXX XXXX and spoke with another representative who said that the LEVEL plan did not qualify for XXXX and that they could put in a ticket to investigate what happened. They also placed me on forbearance so that I wouldn't get charged the {$54.00} in XXXX and the representative said that during forbearance my loans would still count towards the XXXX forgiveness. 

XX/XX/XXXX, I called Mohela again for a status update and now I have a whole other set of problems. They did change that XXXX loan from XXXXXXXX to XXXX, but instead of going back to the $ XXXX where it was before, now it's $ XXXX that I owe for that XXXX loan. The representative said they aren't sure why it wouldn't go back to the {$0.00} since I have not submitted my IDR recertification application yet. And they confirmed that since I was in forbearance for XXXX months those wouldn't count towards XXXX. And they are working to reimburse me the XXXX charges of {$54.00}, and that it shouldn't affect my XXXX count those months. At this point, I don't feel confident in their ability to really make this right before I actually submit my XXXX recertification in XXXX.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

In XX/XX/XXXX, EOS CCA reported a debt collection action against me of {$1500.00} from a XXXX account billed to this address ( not mine ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY In XXXX I noticed this on my credit report and I disputed it through XXXX. XXXX  informed EOS of my dispute and the company stopped reporting it to the credit reporting agencies on XX/XX/XXXX. 

It was still on my reports so I called EOS XX/XX/XXXX, and spoke to XXXX XXXX or XXXX? ) XXXX I confirmed the debt was from XXXX, and that the address that EOS and XXXX reported to the credit reporting agencies was the address above. I sent the collections agency a letter proving that my address is located in another city, that I have never had an address in XXXX and that I have not had a XXXX account for over a decade. 

XXXX a member of the " management team '' at EOS confirmed that this debt is under fraud investigation, that EOS is no longer the reporting agency of the debt. She told me that EOS received my letter of disputed address. 

I called EOS and spoke again to XXXX XXXX on XX/XX/XXXX. XXXX connected me to XXXX from the " management team '' who confirmed that EOS has opened a fraud investigation. They are no longer reporting the collection against me. They cant send me a letter that resolves me of responsibility though because they only have letters that state the total balance due. Apparently EOS does not have a process to resolve these types of mistakes that they have made. Perhaps they do not have any employees who know how to type a letter. 

On XX/XX/XXXX I spoke to XXXX at XXXX to have the item removed from my credit report. XXXX is unable to do that because she needs to hear from EOS that the debt is not in collections. Since the employees at EOS are not capable of communicating this, the debt is still listed on my report, damaging my credit worthiness. 

I don't know if the original debt was the result of someone using my name to obtain a XXXX account. But I do know that EOS is causing me harm by refusing to communicate with the credit reporting agencies and I am reporting EOS CCA for fraud.
Consumer complaint received 2023-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

Throughout Covid, I received communications from the department of education and Nelnet referencing my loan, which was consistently referred to as one on an Income based repayment plan. However, when I asked why the govt forbearance months werent counted towards forgiveness ( I had XXXX remaining payments at the start of COVID ), I was told I was on standard repayment. My monthly payment was {$880.00}. The Nelnet app, website and email comms from Dept of Edu and Nelnet all cited by REPAYE/IDR plan throughout this period. I spoke to a counselor from Nelnet in XXXX upon realizing this mistake, and they said the payments would be counted, and I should recertify on a SAVE plan to have that retroactively applied. I recertified, the months were not applied, and my payment nearly tripled. Now I owe XXXX payments at {$2300.00} a month rather than XXXX payments at {$880.00}. I was told by Nelnet/govt representatives that SAVE was the best option, and now owe nearly double. Had they been forthright to begin with, Id have stayed on the existing plan in the worst case scenario. And now Ive submitted another case, reached out multiple times about a resolution, and not received even an acknowledgement since XX/XX/XXXX, the last time I tried to contact them.
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (KY)

I can't access my XXXX to send my XXXX off of Geminis wallet into a separate XXXX wallet after seeing bad reports/reviews they have currently held my XXXX hostage for almost 24 hours now and are asking weird questions which I answered along with sending the selfie/image they asked for and still they haven't unlocked it where I can send it to my other wallet so I can close the Gemini account after all theses issues Ticket ID : XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX is acting in bad faith and has reported inaccurate and incomplete information on my credit reports. I want a full investigation and have this account removed from all credit bureaus until such time this matter gets resolved. No futher contact from them as it is in violation of federal and state collection laws and State of Florida business regulations and licensing laws as they are in breach of contract. Cease and Desist
Consumer complaint received 2024-05-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC. (LA)

I XXXX XXXX XXXX, had negative and false and misleading information reported to my consumer reports all 3 including XXXX XXXX and XXXX by Chrysler capital on a collection of an alleged debt, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. No UCC 11 liens to prove alleged debt. Request books of accounts of credit pursuant to IRS 583 to verify and validate. I demand that you delete these false reporting immediately off of all of my consumer reports, XXXX, XXXX, XXXX and also early warnings systems or I will also contact the sec the attorney general and pursue legal action and trail by jury
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to formally request the removal of a charge off and public record from my credit report, which has been inaccurately reported by your organization. This erroneous information is causing significant harm to my financial well-being and creditworthiness. 

I have taken steps to resolve the issue with this account and have successfully [ explain any efforts to resolve the debt, such as paying it off, settling it, or disputing it ]. Despite these actions, the inaccurate information remains on my credit report, negatively impacting my ability to obtain credit, loans, and other financial services. 

I kindly request that you investigate this matter promptly and verify the accuracy of the information reported in my credit file. If it is determined that the information is indeed inaccurate or incomplete, I request the following actions be taken : Remove the charge off and public record from my credit report. 
Update my credit report to accurately reflect the resolution of this account. 
Provide me with written confirmation of the removal and any updates made to my credit report. 
Please note that under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information on my credit report is accurate and up-to-date. I am attaching copies of supporting documents, including proof of resolution, payment records, and any correspondence related to this account, to assist in your investigation. 

I expect a prompt response within 30 days of receiving this letter, as required by law. If you are unable to verify the accuracy of the information, please provide a written explanation for your findings. 

Failure to comply with the FCRA 's requirements may result in legal action, and I reserve my rights under both federal and state law to seek damages for any harm caused by the inaccurate reporting. Kindly assist me to delete the charge off account and public record as they are fraud in my credit file : XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2013.
Consumer complaint received 2022-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting ag 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 2023-09-05
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX is reporting inaccurate information on my consumer report and will be held liable because they failed to maintain maximum accuracy by allowing incomplete, or unverifiable information. I will be applying for credit in the next 7 days and if I am denied, I will be holding EQUIFAX liable for statutory claims and concrete injury.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MD)

XXXX XXXX XXXX. ran my credit report without authorization. I don't recall applying for credit with this company. I called back in XX/XX/year> and asked for written proof of at the time they couldn't provide. I need this removed immediately off of my credit report ASAP.
Consumer complaint received 2023-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

I submit all information that i provided for help me to remove the limitation, and i was on the phone waiting for, and them i think nobody has change to review and remove the information. 

i will like apreciate help me to remove the limitation ref XXXX THANK YOUU
Consumer complaint received 2023-09-05
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. (GA)

I am writing to dispute a transaction on my XXXX XXXX credit card account. 

What happened : To date, no action has been taken to correct this error, and the incorrect charge of [ {$1000.00} USD ] remains on my credit card statement. I have not received any communication from XXXX XXXX regarding the status of my dispute or the resolution process. 

I am exercising my rights as per the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : No consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate 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.

Given the fraudulent nature of this account and the breach of my identity, I kindly request the following actions : 1. An immediate investigation into the origin and validity of this account by XXXX XXXX. 
2. The removal of this inaccurate and unauthorized debt from my credit report.

3. A formal confirmation in writing that this debt has been removed from my credit history.

4. Any necessary legal actions to rectify the breach of my identity and to hold the responsible party, XXXX XXXX, accountable for their actions. 

I expect that this matter will be resolved promptly and in full accordance with the law. Failure to do so may result in further legal action to protect my rights and restore the accuracy of my credit report.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I opened in regards at least XXXX inquires with the CFPB XXXX and XXXX. 
Under my consumer protection rights I'm opening, and I will keep opening even with the same issue, this XXXX Bank and its employees are using THE LEGALLY DISPUTED AMOUNT OF {$1000.00} FOR SERVICES NOT RECEIVED to report as delinquent Account which in fact is not. 
I made Aware CITIBANK THRU CFPB Inquires if they report this amount to the Credit Bureaus as delinquent account, I will take action against them as well I will file the proper complaint with the CFPB for a false statement made in one of their responses. 
Today I received an email by XXXX showing the amount I legally disputed with CITIBANK for services not received as Delinquent Account. 
This Credit Report is affecting my Credit Status and the ability to get loans /credit with low interest. 
As well I'm including in this inquire to XXXX to have remove a Legally Disputed for services not received, and to have XXXX not to report a wrongful Amount on a Disputed Account. If they don't comply with my request also XXXX will be included in the Legal Action after this formally inquire.
Consumer complaint received 2024-05-24
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)

fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XX/XX/2023. Card physically stolen while in a foreign country. Within 10 mins of the card being stolen I called Bank of America ( hereafter BoA ) and reported the card stolen.All charges that had already been made on the card were rejected by BoA. Because this was the only card I had available to complete my travel back into the XXXX and the agent would only be able to overnight a card to my home ( XXXX ) address, he suggested I place hold on the card, so that I could lift it if needed to pay for charges on my return to the XXXX. 

XX/XX/2023 BoA approves charges for {$4700.00} and {$5000.00} plus foreign transaction fees. 

XXXX XXXX we are enroute to the XXXX. Upon my return to the XXXX the card was cancelled. I had added no additional charges at that time. 

XX/XX/XXXX, prior to the end of the billing cycle I notice the charges from XX/XX/XXXX and call BoA. The fraud agent credits my account {$11000.00} for the disputed charges. 

XX/XX/XXXX sends a letter stating they " confirmed the card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' It further states, " If you'd like copies of the documents we used to make this decision please call ... '' To date and with multiple request no additional information has been provided. Over the next 7 phone calls I have been told that this is a form letter and the statement above is not specific to my case. Agents have indeed confirmed that these charges were approved while the card was on hold. They have confirmed the charges put my account over the credit limit and I did was not contacted to authorize the charges. 

I have reopened the investigation a few times, and have never received any further communication from the investigators. I have learned the investigators are prohibited from returning my request for a phone call, and that if the new investigation produces the same result, I will not receive further communication from BoA. 

I would like full credit from BoA for the charges, fees, and interest for charges they approved without my authorization while the account was on hold as recommended by a fraud agent.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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, CA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am writing to formally dispute all fraudulent inquiries on my credit report. After a thorough review, it has come to my attention that there are unauthorized inquiries that I did not initiate. I request a prompt investigation into these discrepancies and urge you to remove the fraudulent entries from my credit report. The accuracy of my credit history is crucial, and I believe resolving this issue is essential to maintaining the integrity of my financial standing. I appreciate your prompt attention to this matter and request that you provide me with updates on the progress of the investigation. Thank you for your immediate assistance in rectifying this situation.