davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (CO)

XX/XX/XXXXActually I'm just trying to contact a debt collection agency via email. Commonwealth Financial sent me a link to get on their site to make a payment. However, the password they said I had to use was a 5 digit zip code. I entered the zip code several times and was told it was incorrect. 
I called the XXXX XXXX XXXX per the instructions on the email. The representative who answered said she didn't know anything about a link. I kept explaining to her the email that was sent to me. I don't handle payments over the phone, especially with representatives who are not educated to what their company does for the consumers who are trying to pay a debt. It takes them forever to get back to my inquiries submitted online, in essence, they don't work with you at all.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

Hello, I had an Amazon Prime card, which I used infrequently. As with all my reward point cards, I used the card to garner points, and then pay the balance immediately after so I dont accrue debt.

I noticed with my Amazon Prime card, I was getting charged exorbitant late fees. If a card is paid late then thats on the consumerbut I noticed that my payments were late because when I went in to pay my balance, Amazon wouldnt show the full amount due, only the statement balance. So unbeknownst to me, Amazon set up a system to cause consumers whod thought they paid their bills to have interest and late fees billed.

When I called Synchrony Bank ( who owns the card ) to inquire why, they confirmed my suspicion. Outrageous. Even though I knew my credit would take a hit, I chose to cancel the card. 

Credit card companies should be required to divulge to consumers the full amount due to satisfy their debts, not just the amount that will garner interest ( and resulting late fee penalties ). I am reporting this practice to the FTC to inform others and prevent businesses from being able to do this to others. Especially for people who may use their cards quite a bit, its unethical for a company to not divulge the full balance due on the card on the payment screen.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (VA)

NC Financial should not be reporting XXXX and TXXXX  a collection/chargeoff in the amount of {$11000.00} on the NCFINANCIAL Loan # : XXXX Account ID : XXXX partial account number XXXX. ( Please see page attached from my credit report. ) NC Financial is charging an in illegal interest rate. Per the National Law Center, the cap percentage rate on a loan in Utah is 25 % which is where the loan originated from. NC Financial is charging 64.60 %. This is egregious predatory lending to say the least! The past due balance is much higher than the original balance. This account should not even be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. The false reporting is seriously harming my credit score. I have contacted the bureaus as well as NC Financial to remove this however, I have not been successful.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I submitted a letter to Equifax regarding an inaccuracy on my credit report from XXXX XXXX XXXX  XXXX in the amount of {$6200.00} and informed then that this is not my account, please removed from my credit file. They have not responded to my letter or demand to comply letter and they have continued to damage my credit. I need this removed from my credit report ASAP! They keep putting the same delinquent account on my credit report every month bring it down each month. I need this removed immediately!
Consumer complaint received 2021-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NC)

On XX/XX/21 I sent a debt validation letter to XXXX for a debt that I don't recognize and they sent me a bunch of paper and bills. According to the fair credit reporting act they must send a sign contract with my name on it not statements.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I found out that there are two accounts from XXXX XXXX XXXX XXXX appearing on my credit report. One of the accounts was opened in XXXX for {$300.00} and the other one was opened in XXXX for {$4000.00}. I had no idea these accounts were in my credit history since I never really keep track of my credit but I got my credit ran because I applied for a loan and that's how I saw these accounts. I don't know who opened the or how someone else could have got ahold of my personal information to open these accounts. I did not get anything out of these accounts that were opened in my name. I never made any payments towards either of those accounts. I filed a police report and notified that company.
Consumer complaint received 2023-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (AL)

Hi, In XX/XX/XXXX, I signed up for an income driven plan with my loan servicer, Nelnet. I went into my account in XXXX, and found out Nelnet took me off my payment plan. I was supposed to owe {$0.00} until XX/XX/XXXX. Now, it says I owe over $ XXXX/month beginning in XXXX. I contacted customer service, and they sent me a generic email telling me to reapply for a repayment plan. I reapplied, and then they sent me a generic email saying I needed to recertify instead of apply. I sent my new application in on XX/XX/XXXX, and I still havent heard anything from them. I feel like they are giving me the run around and no one will tell me why my income driven plan is no longer active. Ive sent multiple emails, and Ive tried calling. The current call wait time is over 40 minutes. I once had them call me back, and the phone hung up once I picked up the phone. Im trying to get a mortgage on limited income, and a $ 1200/month payment is basically my whole XXXX check. The mortgage letter on the Nelnet website currently says I owe over $ XXXXmonth. This is ridiculous. Ive attached the original income driven repayment plan letter.
Consumer complaint received 2021-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I've been sending extra payments to be applied to my unpaid mortgage balance and they will NOT apply the payments to my unpaid balance. I have sent a payment of {$310.00}, that they recieved on XX/XX/21. and they have applied it to my XX/XX/XXXX payment. Eventhough, I wrote on the money order that it was sent to be applied to my unpaid mortgage. I have called thm several times about this. I am getting no results.
Consumer complaint received 2021-03-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/2021, I sent to all 3 credit reporting companies that I am requesting them to verify all the information that I listed below was correct. They have yet to respond to any of my request.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I have a mortgage and escrow account that was transferred to Mr. Cooper in XX/XX/2020. Mr. Cooper was responsible for tax payments via the escrow account for the year 2020. The district tax appraisal value published indicates roughly {$1600.00} is owed annually for county and MUD taxes. My escrow account value was over {$10000.00} ( I am charged nearly $ XXXX/mo for escrow ). Additionally, when viewing my escrow balance online the incorrect amount is shown for year to date total. 

I contacted Mr. Cooper XX/XX/XXXX via phone in an attempt at receiving a refund for the remaining escrow account balance and getting more detailed information. I was told " we do not have the ability to see balances, it is only available to our tax accountants ''. When asked to speak to the tax office, I was told " they are unable to be reached directly by phone or email, please submit a message through our website ''. 

Contact through the website was made XX/XX/XXXX, and an automated message was received on XX/XX/XXXX stating " You will be contacted within 7-10 business days with a resolution after we review your account ''. It has now been a full month with no contact and the existing support ticket shows closed. I opened another ticket on XX/XX/XXXX stating " I have tried contacting Mr. Cooper regarding this issue for 2 months now without a single reply of resolution '' and still have not received a reply to my second ticket. 

In short, Mr. Cooper is holding nearly {$10000.00} of my overpaid escrow and is ignoring my attempts to contact the responsible department for a refund. Due to COVID and the Texas freeze last month, this is much needed money at this time and I am being ignored by customer support.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: RSI Enterprises, Inc. (AZ)

I had gone into to a minute clinic to receive some treatment as I was experiencing some discomfort in XXXX. There was never any request for lab work nor was I disclosed any additional charges. Now they have reported collections in all three credit bureau an unpaid balance for l tests that I never agreed too nor knew was being billed for. They have taken advantage and when I have tried disputing have not gotten any resolution. I have also sent them a letter back on XX/XX/21 that they have yet to respond too as well.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aargon Agency, Inc. (CA)

XXXX will not remove a collection from my credit report from Aargon Agncy from a credit union I have never ever heard of. The account does not belong to me and I have contacted XXXX several times to remove this. They have not sent me any information and just leave it reported.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (TX)

XXXX, XXXX and Equifax is reporting a Bankruptcy on my credit report as the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ( XXXX ), which is false. I have attached the letter from the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, verifying and stating that they do not report to any information to any credit reporting agencies nor do they verify any information on anyone who has filed any type of Bankruptcy through their courts. 
XXXX and Equifax are falsely stating this information on my credit report and has yet to remove this from my personal credit report.
Consumer complaint received 2023-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

To whom it may concern I'm sending you this dispute pertaining to my credit report that ALL THREE CREDIT BUREAU ( XXXX, XXXX, and EQUIFAX ) is reporting and have obtained false information about me ( XXXX XXXX ) on my credit report about a Bankruptcy and that i have received full conformation from the United States Bankruptcy court that they do not supply or report any information to any credit agencies and i have a memorandum from the clerk of courts office confirming it.
Consumer complaint received 2021-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (MI)

This complaint is for validation of the alleged debt within 30 days. The company Merchants Credit Guide is on my credit report reporting an alleged debt of {$410.00}. The company has not provided me my right to dispute the alleged debt within 30 days and I never gave permission for the company to pull my credit reports. The company is causing injury to my credit report by drop of score and is in violation of the Fair Credit Reporting Act ( FCRA ). Thank you and have a great day.
Consumer complaint received 2021-03-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30-60 days gives a reason to immediately remove those items from my credit report it has been over days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DISCOVERBANK XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. ()

Fed loan and now nelnet reported my student loan as delinquent in XXXX. That is not correct. I was unemployed and then on active duty and called then fed loan for a forebearance until I could find employment, which I did by going XXXX XXXX XXXX XXXX XXXX. This has absolutely destroyed my credit because fed loan now nelnet had my student loans divided into over 20 separate accounts. This means my credit score is ruined based on 90-something delinquent accounts.
Consumer complaint received 2021-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (ME)

I took out the loan last summer and after multiple missed payments ( their fault ) I decided to pay off the loan and get my credit reserve returned to me. I paid off my loan XX/XX/2021 and was notified I would receive my money by XXXX. That date came and went and still nothing. I contacted support several times and was given the run around every single time. Finally a rep told me that the issue was that my account on file was closed and thats why there was a delay. No one from the company notified me of the issue. I was told in order to receive my money, I would have to open an additional account with them. I did that and was told it would be XXXX calendar days. Its been XXXX weeks since I paid off my loan and Im still without my money. Every phone conversation has been recorded by the company and the rep I spoke to today confirmed that everything I told her was in my account notes. I was told today that the rep has escalated the issue to their special team and I should have my money soon. This is completely unacceptable.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am in the middle of purchasing a home and late payments from XXXX keep popping up on my XXXX  and Equifax reports. I have reached out via phone and email repeatedly over the last 3 months and received no response. 

I was delinquent in my student loans back in XXXX due to being laid off 4 times in a 2 year period. However, since then I have successfully rehabilitated my loans back in XXXX and they have been transferred to XXXX to be serviced. I can't understand for the life of me why XXXX is now reporting late payments in XXXX and XXXX. I need this fixed ASAP! 

I have disputed this every month with Equifax and XXXX  and for some reason, someone at XXXX keeps verifying that I'm late. How is it possible that I am late to a company that doesn't hold my debt? And as recent as XX/XX/XXXX?
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

How can RealPage/LeasingDesk deny my application for approval due to Fraud alert?

I thought Fraud alert meant you had your identity stolen .And nothing to do with getting credit approval. They are not following the law. Secondly they did not call me to see if it was me or an imposter. Again, not following the law. These people not obeying the law.

And XXXX has not corrected any of my credit report.

I dispute my credit report with Experian and they haven't correct. So XXXX is still using incorrect information from them.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (CO)

I took out a short term loan with Moneylion on XX/XX/XXXX in the amount of {$500.00}, I made a payment of {$100.00} on XX/XX/XXXX and unfortunately defaulted on the remaining balance. I contacted Moneylion on XX/XX/XXXX and made a payment of {$200.00}, and on XX/XX/XXXX, made another payment of {$300.00}. 

Both payments have not been reflected on my Moneylion account and they are not reflected on all my credit reports. Moneylion is reporting this account as a " charge off '' to XXXX, as a " charged off as bad debt '' to XXXX and " unpaid balance reported as a loss by credit grantor '' to XXXX. 

I have called Moneylion several times about their credit reporting and was told that there was nothing they could do about how the agencies report. Please help me.