davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

On XX/XX/XXXX, I was transferred from XXXX XXXX to Specialized Loan Servicing. Since the change, I have had a constant issue with Specialized Loan Servicing. I didn't even receive a " welcome letter '' until XX/XX/XXXX, where they demanded I owed {$11000.00}. I filed a complaint against them and magically the amount was reduced to {$4700.00}. The company also added a {$20.00} fee thats just titled " Fee Billed '' on XX/XX/XXXX. When I called on XX/XX/XXXX, I was told this was because my home was assessed, yet they don't have a report listed nor was I contacted about any assessment that would be performed. 

I also applied for the IL Homeownership Assistance Program where I was approved. On XX/XX/XXXX, the program wire transferred {$5700.00} to Specialized Loan Servicing to bring this account current. 

The practice SLS performs are predatorily and they should NOT be in business. They are known to take over loans that have potential to foreclose if the property has equity and they can make a quick dollar. This company is worse than XXXX.
Consumer complaint received 2018-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (MO)

Hi XXXX XXXX purchased a charged off account - credit card ( XXXX max ) and have been harassing me for years to pay this at 3x the amount I ever owed. Asking XXXX pay off. I have tried to negotiate to no avail. I have asked for itemized billing but they send nothing. Please advise them to remove that debt from my credit report thanks XXXX XXXX
Consumer complaint received 2023-11-29
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. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a {$4000.00} credit limit and I had an {$1100.00} credit balance on my credit card account. My credit card account when I tried to make the purchase was - {$1100.00}. I wanted to charge {$5000.00} on the credit card. The card was declined, even though it was below the credit limit with the credit balance of {$5200.00}. I contacted the card issuer but they would not allow me to use the credit limit and credit. They said I could only use the {$4000.00}, which was my credit limit and then I couldn't use the credit until the authorization became completed, which with Capitalone is usually 4 to 5 days. So, I am unable to access my credit balance for 4 to 5 days and I wanted to make a purchase using my credit limit and my credit balance. I asked why I couldnt just do two transactions ; one for the credit balance and then one for my credit available on my card but they said until the transaction was processed for the {$4000.00}. I won't be able to go beyond that amount until again, 4 to 5 days when their authorization processing is complete. I am unable to make the purchase as I wanted to and I had to draw money from my bank account, when I had a credit balance on my credit card. I don't think they should be able to deny me the access to my credit and my credit limit. I spoke to a supervisor, XXXX XXXX and asked him to authorize it but he said he couldn't. He said I would have to wait until the authorization is complete, which again, is usually 4 to 5 days in processing with Capitalone. They have the slowest processing of all the credit card companies. It should not be legal ro deny a credit balance. Any credit balance should be included with your credit limit as you are not going beyond your credit limit if you have a credit balance behind the two totaled together.
Consumer complaint received 2023-05-08
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: ENCORE CAPITAL GROUP INC. (AL)

Midland Credit Management broke all laws that follows including 20 USC 1232g ( b ). 15 U.S. Code 1681 ( a ) ( b ) ; 15 U.S. Code 1681b ; P.L 90-321 ( 82 Stat. 146 ) ; 15 U.S. Code 1681c ; 12 CFR 1022.3 and 15 U.S. Code 1681n. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TX)

I looked up my credit report and I have 2 collections account from Wakefield and Assoc. One for {$1700.00} and the other for {$670.00} on XX/XX/XXXX for a company in Washington called XXXX XXXX XXXX XXXX. I have never lived in Washington nor have I ever had any kind of business loan. It brought my credit score down XXXX pts from good to fair.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one has an app that monitors my credit score. I see my score improve, I apply for a credit line increase and DENIED every single time. I have had on time payments for over 6 years. My income has steadily risen during this same period. So why am I DENIED? Age? Veteran status?
Consumer complaint received 2022-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (TX)

Debt collection company : XXXX XXXX on behalf of Check n Go I have been receiving multiple texts and phone calls/voicemails regarding someone elses debt. At first I thought it was a scam because I am current on all my debts and have never used check n go ( which they claimed to be collecting on behalf of ). The text messages and voicemails threaten tax levies, garnishment of wages, etc I finally called them back and found that they were calling/texting regarding a debt they KNEW was NOT MINE. I believe this is a violation of their right to ONLY contact me ONCE. I also feel that their scare tactics of trying to make me believe that I was the one in danger of tax levy and garnishment rises to the level of harassment under the law. 

The collection agency is XXXX on behalf of Check-n-Go. 

I have deleted multiple texts and voice mails regarding this, as well as blocking numbers, but I still have records of the following contact attempts : XX/XX/XXXX voice mail stating they have been retained by check n go to file for judgment XX/XX/XXXX text message received stating garnishment and tax levy XX/XX/XXXX voice mail stating they are filing for garnishment and tax levy
Consumer complaint received 2022-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I currently have 100 payments counted toward PSLF forgiveness of my Federal Student Loans per my servicer MOHELA as a result of submitting a TEPSLF form to my former servicer XXXX  on XX/XX/XXXX. I have submitted an additional employment verification form to MOHELA on XX/XX/XXXX for this year hat would add 11 additional payments toward PSLF loan forgiveness. It has not been processed as of yet. 

Additionally, the US Department of Education also announced that Forbearance periods now count toward PSLF forgiveness as well & that a one time recalculation of past payment history is to be done by the Department of Education that will include forbearance periods as qualifying payments toward PSLF forgiveness. 

I have tried calling MOHELA to get them to process my most current XXXX employer verification form 3 times last week and to explain that my loans were effectively paid up because of the forbearance change and demand that my loans be forgiven, but the wait times exceeded 5 hours - effectively not taking the call. 

I also submitted a complaint to the Federal Student Aid Ombudsman asking for them to intervene and get the US Department of Education to update my payment history with qualifying payments during forbearance periods and get MOHELA to process my XXXX employee verification form and forgive my loans as I have more than 120 payments. They responded by sending me an email stating that PSLF is eligible to direct loan borrowers only - which did address my complaint at and offered no resolution. 

I am entitled to forgiveness of my student loans as I have 100 payments counted already, 11 to be counted as part of my XXXX employer verification form and an additional 24+ payments that should be counted as I was in an administrative forbearance since XXXX as I have a Borrower defense to repayment claim pending at the XXXX Department of Education that has still not been resolved.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Last year I discovered a false account with XXXX XXXX XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX, XXXX and XXXX denied the claim XXXX This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2023-09-04
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This company is still reporting inaccurate information to 2 of the 3 major credit bureau 's. XXXX has deleted them from my credit report after reviewing my complaint and dispute. I have sent in several requests to have this information verified bearing my signature, dates, and accuracy of the alleged amount. They have not supplied me a single copy or response to my request since XX/XX/2018, when the 1st request was made. I am now seeking legal action. I have sent my requests out via certified mail and have all of my documents ready to go for proof of service. 

XXXX XXXX XXXX, is doing bad business. They are not updating accounts correctly and they are not reporting cars that have been resold for their profit. This company is charging on going interest monthly on accounts that have been closed out. They do not verify information that is being requested. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Consumer complaint received 2023-05-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (FL)

I moved to XXXX in XXXX and was an international student, and I had received a loan from SALLIE MAE with a co signer. 

Last summer ( XXXX ) I only was able to complete my first year, after I had XXXX life threatening experiences and no longer am in school. 

I am unable to make the repayments, and it is affecting my co signer and my credit, i need some help trying to resolve this. 

The loan amount was for XXXX
Consumer complaint received 2023-08-30
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. (NJ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2018-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a savings account with Bank of America in XXXX. At the time, I was told that, in order to avoid any maintenance fee, I had to use my account for online transactions only : paying bills online and so, instead of going to the bank itself. 

This has been going on no problem for years now, until just this week I noticed that my savings account was in the negative. The reason is that, since XXXX, they have been charging me a {$5.00} monthly maintenance fee. When I call, they tell me that it's because the balance of that account is under {$300.00}. Note that I have two accounts with Bank of America, and the other one ( checking ) has a balance well over {$15000.00} at all times, so it's not that I have left my account empty. 

Now, I did not get an email or letter telling me about this. I had an online statement for the month of XXXX for my savings account, but no statement in XXXX or XXXX, yet I got charged both months. This feels like they are cheating on trying to sneak this charge on me.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

am a victim of idenity theft, my information was exposed due to a data breach from equifax, please remove these fraudulent transactions and credit card accounts from my report XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX BALANCE XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX BALANCE XXXX, XXXX XXXX  XXXX BALANCE XXXX XXXX  BALANCE XXXX ACCOUNT NUMBER XXXX. please remove the following inquires XXXX XXXXl XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, please remove inquires and all fraudulent accounts from my report. PLEASE REMOVE THE FOLLIWNG ADDRESSESXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Med-1 Solutions, LLC (IN)

I sent the attorney the three letters from him reflecting three different dates of service and the amounts. I wrote him on XX/XX/2018 asking for proof of the debt. I received another notice of debt today and no response to my letter. I believe he is misrepresenting himself. I can't imagine a hospital turning over a debt of {$7.00} to an attorney.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KY)

I want Experian to delete old/inaccurate information from my credit report. 

Experian Delete Old Names XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Delete Old Other Address XXXX XXXX XXXX XXXX XXXX KY, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Address ID # XXXX Single family Delete Old Phone Numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential Delete Bankruptcy scheduled to fall off XX/XX/XXXX Court Name Public Records Record Type XXXX  XXXX bankruptcy discharged Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Court Information Court US BKPT CT KY XXXX Address XXXX XXXX XXXX XXXX, XXXX KY XXXX Phone Number ( XXXX ) XXXX On Record Until XX/XX/XXXX Requesting Early Removal Delete Hard Inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX OH, XXXX Credit card. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2023-11-30
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)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/2023 ; XXXX XXXX XXXX
Consumer complaint received 2018-09-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DE)

I applied for a mortgage yesterday. My credit score from Equifax dropped over 100 points from yesterday from today, yet nothing negative was added to my report. Coincidentally, I called Equifax to ask about a dispute that was showing on my report. Within 5 minutes my score dropped over 100 points. After being on the phone all day with Equifax they've come to the conclusion their algorithim may be incorrect, yet offered no advice as how to fix this mistake. As a result, I have been denied a mortgage.