davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I submitted a check ( Check # XXXX ) from XXXXXXXX XXXX XXXXXXXX for payment of {$2500.00} on XX/XX/XXXX. The check was cashed on XX/XX/XXXX by Mohela. I called Mohela on XX/XX/XXXX to inquire why my account has not been credited. XXXX XXXX could not tell me why nor provide any helpful solutions. I asked to speak with a supervisor and was transferred to a voicemail box. I left a message and never received a call back. I attempted to call Mohela again but was left on hold for 1 hour and 45 mins only to be disconnected. I called again today XX/XX/XXXX and agent XXXX noted not seeing a check payment made. She placed me on hold several times with no resolution. My account is still not credited my payment amount.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

I applied for the discover card XX/XX/XXXX got call from company female asking for further info she told me that I was approved XX/XX/XXXX yet? when I tried to Activate the card that had arrived on the XX/XX/XXXX I could'nt so I waited tell I could call back on a business day which was XX/XX/2023. I was shifted to three different departments only to be told some one call and deemed my info fraudulent there for cancelling my account when I tried to reapply. they claimed that they had know knowledge of my account? though I was issued a card that I can verify with the Accounts numbers. I feel that I was done terribly wrong!. This is my complaint.
Consumer complaint received 2023-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (MD)

Dear CFPB, This is new information regarding this negative account that this company is reporting on my credit profile. Please have this forwarded to the Registered Agent of XXXX XXXX XXXX for accounts : XXXX Please review all documents attached.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (TX)

The XXXX XXXX from this situation is XXXX, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX NOT RECOGNIZED XXXX, XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC. (IL)

Account Name : ECMC ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this from my credit report. 
Account Name : ECMC ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this from my credit report
Consumer complaint received 2024-04-10
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. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-10
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. (NY)

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 XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-10
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. (NC)

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 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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The following accounts below are listed as a Charge Off on credit reports. XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX XXXXXXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$460.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX - closed XX/XX/XXXX - {$3300.00} XXXX XXXX - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00} **Above accounts show as Write Offs **
Consumer complaint received 2024-04-10
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. (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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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 2023-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Upon reviewing my updated Credit report, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and Section 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 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 2023-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IA)

I called Edfinancial to exit an income driver repayment plan that the auto enrolled me in. I only filled out an application and it was not completed and then did not give me the option to opt out. Now my payment amount is almost {$500.00}. I asked them to remove me from the plan and they we unable to do so. They said it would take 30 days and a different department has to do that. I asked to speak with someone from that department and they said I could not. I did not want to be in the income driven plan. Now I am being forced to pay a ridiculous amount or I become delinquent. The wait time to talk to anyone is over 11 hours and who I talked to did not seem to understand the situation nor know what to do to fix it. I am not able to pay this amount but I have no choice. They are not willing to help make the situation right when they enrolled me in a program incorrectly and without me wanting to be in it.
Consumer complaint received 2016-06-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

Hello, After multiple attempts to request documentation on a debt for verification, and after providing a receipt for payment from XXXX, Plus Four Collections account for {$100.00} was removed from XXXX consumer reports due to non verification according to XXXX On XXXX/XXXX/XXXX I was contacted by XXXX advising me that Plus Four, INC. increased the amount by XXXX dollars to {$100.00} XXXX and again began to collect and harass me via multiple message telephone calls, including some after XXXX, for a debt that they had failed to verify, as well as had proof of payment directly to the medical office.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (NC)

In XXXX of 2023, I filed a dispute with Navy Federal Credit Union against merchant XXXX XXXX XXXX XXXX. I received defective merchandise, and upon reaching out to customer support, XXXX XXXX XXXX offered me a gift card/merchandise credit to resolve the issue and repurchase items from their website. I agreed to this ; however, after following up with them XXXX times, they completely went AWOL leaving me with defective merchandise and no refund or gift card. Please see email attachments to corroborate this. Navy Federal will NOT return my money, in spite of me providing several pieces of documentation where the merchant themselves offers to correct the problem. This never happened. At one point, NFCU closed my dispute because they said they requested more information ; however, I never received this request and only saw it when I logged into my account online one day and saw a notice that I had a message from NFCU. I have provided Navy Federal with all the documents they requested. There is MORE than enough proof to credit my account the {$260.00} creating a circumstance where it's in arrears and debiting any deposits I make to the account. On top of that, NFCU allows creditors to debit funds from my account when my card is FROZEN in order to prohibit this. They are unethical in that they create situations to nefariously take consumers ' money.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (NM)

I recently received a message from XXXX who I use to monitor my credit report. The debt notice is from Wakefield & Associates for a debt I am unaware of. I requested a validation of the debt but have not received any information. Nor have I ever received any written documentation from Wakefield and Associates regarding this debt and who the original creditor was. It wasn't until the message from XXXX saying my credit score was lowered and that XXXX XXXX notified of me of a decreased credit card limit due to debt on the credit report that I took a deep dive into my credit report. 

Wakefield & Associates claims this debt was opened on XX/XX/XXXX for the amount of {$1500.00} as of XX/XX/XXXX. The original creditor from the first credit report is listed as APP OF NEW MEXICO XXXX XXXX. Doing an online search shows this name is associated with a psychiatric office in XXXX, NM. I contacted the billing office and they do not have me as a patient in their system. I have never received services from them. 

So, I disputed the credit report through XXXX and today received an update. The report update is dated XX/XX/XXXX. The amount is now {$1500.00} and is considered past due. Now the original creditor is listed as XXXX XXXX XXXX XXXX. This company is registered in the State of Washington. I am in New Mexico. 

The information for XXXX XXXX XXXX XXXX is listed as a foreign limited liability company in the state of Washington with a branch in Delaware. The registered address is listed as XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. The agent name is listed as XXXX XXXX XXXX  XXXX with the address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX. No phone number is listed to request a dispute or a validation of the debt. XXXX XXXX XXXX XXXX also lists branches in Rhode Island, North Dakota, Colorado, Iowa, and Idaho. I have not lived nor received services that would warrant any debt in these states.
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

I received a letter from Credence Resource Management , LLC, indicating an outstanding XXXX XXXX XXXX bill amounting to {$3900.00}. On XX/XX/year>, I disputed this debt by sending a debt validation letter via certified and regular mail to ensure the company received my dispute. The letters were addressed to both the licensed office at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, and XXXX XXXX XXXX, XXXX, MI XXXX. Despite this, on XX/XX/year>, the debt was reported on my credit without any response to validate it. This action directly contravenes my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, including but not limited to Defamation, Violation of the Fair Debt Collection Practices Act ( including Sections 807-8 ), and Violation of the Fair Credit Reporting Act ( including Section 623-b ).
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-03-26
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. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2024-03-26
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. (UT)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and DELETED : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-26
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. (UT)

I'm sending this complaint to request an unauthorized credit inquiry to be removed from my credit report. I received a copy of my credit report and became aware of an inquiry I did not authorize. They are as follows. 
XXXX XXXX XX/XX/2022
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Grain Technology, Inc. (FL)

In XX/XX/2022XXXX XXXX XXXXXXXX XXXX XXXX changed the terms of credit without notice. They drastically reduced credit limits across the board to your at the time balance which my balance was {$110.00}. My credit limit prior to this change was {$750.00}. This reduction has significant impact to my credit report and score because this skyrockets my credit utilization to 100 %. It was only until after they had already implemented this change that they sent out a notice to us. My account has always been in good standing, with no late payments ever so they had no reason to reduce my credit limit whatsoever. This is bad business practice that shouldn't be allowed.
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (MI)

I received a collection alert on XXXX for {$970.00} for 1 month term from Wakefield and associates. I have never opened this account neither received any funds from this. The original creditor is XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-03-26
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. (MI)

Recently, I disputed verification of inaccurate accounts reporting on my credit report. I requested a description of the procedure the bureau used in providing all information to the original creditor in processing my dispute under FCRA XXXX ( a ) ( XXXX ) ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

I have not received any information regarding this information that was requested on XX/XX/24. 

I will attached my letter I sent and certification mail receipt
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (PA)

I recognized unknown companies reporting to my credit, contacted them to ask for debt validation and proof of any contract I have with them or any product or service I received doing business with them. I was willfully met with negligence and noncompliance. Ive also filed a police report and ftc report for identity theft. This is very injurious to me and my family as I have a XXXX XXXX XXXX and cant get a car or approved for an XXXX  due to these companies reporting to my credit without consent or proof of debt or a contract. In accordance with the FCRA and FDCPA. There is multiple violations here.