davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pulled all 3 credit bureaus report my XXXX credit score is XXXX, my XXXX credit score is a XXXX but TransUnion score is a XXXX.TransUnion is not reporting my score accurate.There no way my TransUnion score is a XXXX I have no collection and no late payment 1 percent credit usage and 2 inquiries.my TransUnion was a XXXX before I paid my credit usage down to 1 percent. This score is not accurate please fix as its hurting me Financial.
Consumer complaint received 2022-12-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2017-05-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

This Unknown number has been calling me for a month now, and it is Comenity Capital Bank. I informed the rep I did not want to be contacted by phone and to mail any correspondence. The rep began to get irate. Every week, they call me at least  XXXX  a day.
Consumer complaint received 2023-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

Good morning, I am respectfully requesting reconsideration for my payment counts. I currently have XXXX loans ( XXXX DL XXXX Unsubsidized and XXXX XXXX XXXX XXXX ) both with XXXX payment counts and XXXX DL Consolidation Subsidized and XXXX DL Consolidation Unsubsidized ) both with XXXX payments counts. I previously consolidated my loans in XXXX. After my loans were transferred from XXXX to Mohela this summer, I contacted Mohela 's customer service representatives several times requesting guidance and asking what, if anything, needed to be done on my account. I was instructed to submit updated employment verification, which was submitted prior to the Limited PSLF waiver expiration. I contacted Mohela at least XXXX times before XX/XX/2022, and at least XXXX times after. Today, I spoke with a supervisor who advised that I should've consolidated my loans to receive the benefit of the higher payment counts. This was my XXXX time hearing about this. Additionally, she provided contact information for the ombudsman which I have also contact. Also, I requested transcripts from Mohela as proof of my prior contact with the loan servicer. As such, I am respectfully requesting that my loan counts of XXXX on both loans be updated to the XXXX, so I can receive the benefit that was not properly explained to me during my previous calls and interactions with my servicer. If I can not call the loan servicer and receive proper guidance regarding my loans, who can I call. For this reason, I would like to request reconsideration. I'm awaiting the requested transcripts. If necessary, I can forward them upon receipt. Mohela, as my loan servicer, did not provide accurate guidance when I contacted them prior to the XX/XX/2022 deadline. Had they done so, I would have consolidated my XXXX loans, so I could receive the benefit of my highest payment count which is currently
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Sparrow Financial, Inc. (CO)

The XXXX XXXX  ending in XXXX was taken out without my authorization and used for purchases and charges without my consent. and not paid and has affected my credit report in all bureaus. I contacted the XXXX XXXX  company and had them close the account and they said that I was not liable for any of the charges and they would get my credit report fixed which has not happened as of this time.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (VA)

XX/XX/XXXX : I had a visit with doctor at XXXX in XXXX, Virginia. XXXX did not file a claim with insurance. Because I temporarily had my mail forwarded, XXXX sent the debt to collections. XXXX made no attempt to contact me. I was unable to access the XXXX 's online portal -- this may have been because XXXX was updating or changing its online portal system. 

XX/XX/XXXX : I first learn about the outstanding debt and immediately pay {$250.00} immediately. Because XXXX never filed a claim with my insurance company, the amount paid exceeded what I owed. XXXX now files a claim with my insurance company. I expect to be refunded my excess payment. I learn that after insurance I should only owe {$100.00}. See attached. XXXX tells me this will take several weeks. 

XX/XX/XXXX : XXXX informs me that the debt is no longer in collections. 

XX/XX/XXXX : XXXX processes insurance, but bills me twice for the same visit. 

XX/XX/XXXX : I receive a letter informing me that this debt is in collections. I still have no been refunded my excess payment. I file a complaint with the CFPB. I am looking into filing complaints with other state and federal agencies too.
Consumer complaint received 2017-05-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I was beyond on payments with Dovenmuehle Mortgages company back in  XXXX . I was told to pay  XXXX  to the attorney to reinstatement my loan, which I did, but then I discovered the amount paid was an over payment. I was then to by  XXXX , that I would be expecting a refunded of {$490.00}. I spoke with  XXXX   XXXX  on several occasions about the money owed to me, which I am still owed {$140.00}..      XXXX  told me the fee of {$140.00} was never included in the reinstatement letter, and that he would work with the foreclosure department to have the fee waived, because the company is unable to charge me for a fee I knew nothing about. It is now  XXXX / XXXX / XXXX  and I have yet to receive the money.     Also, back in  XXXX  I mailed a {$10.00} money order to start the forbearance plan to save my home, and that money was received by Dovemuehle but never applied to my account..     I would also like to mention that this company is the worst to deal with and I truly hate them for what they did to me from start to finish. They also tried to charge me {$9600.00} to reinstate my loan, when I only owed  XXXX  to bring the account current including the attorney fee 's. I feel like they were forcing me to lose my home.     As of today I am owed a total of  XXXX  and I would like my money back. Thank you!
Consumer complaint received 2023-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-05-12
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. (SC)

Please see attachment On    XXXX   XXXX    XXXX  f raudulent inquiries were removed from my credit report. While utilizing  3rd  party to monitor my credit report on   XXXX   XXXX   XXXX   I found that same inquires were re inserted back on my account with a transunion. This is a FCRA violation no notice was ever mailed to me within this past year telling me that the inquires would be added back to my account and this has made my  credit score drop tremendously. Transunion states that I must contact the creditors to have this removed and that is not fair to me to recontact the creditors that already move d the inquires last year peep my request. Transunion asked me to fax in proof of the removals and I sent in the proof and nothing has been done to date
Consumer complaint received 2023-02-14
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (SC)

Two Verification of debt letters were sent to XXXX. Transition did not investigate or provide me with any verification of debt. 

The amounts are {$1300.00} and {$1500.00} for Midland Credit Management.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid 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: REGIONS FINANCIAL CORPORATION (KS)

We received the bill for our 16 company fleet fuel cards ( XXXX XXXX XXXX ). 
We have had this account for more than 10 years. 

One of the cards showed 4 purchases for gas in XXXX. The 4 purchases were all made within a 70 minute period at 3 locations on XX/XX/XXXX. Total of the fraudulent charges was {$1100.00}. A 5th purchase was attempted, but the credit card company declined the charge. 

The card was in our possession in Kansas at the time of the charges ( it was not lost or stolen ). 

Furthermore, the cards all require a passcode to authorize charges. The passcode was not used for these fraudulent transactions. 

We notified the credit card company via phone and in writing on XX/XX/XXXX. Their fraud department stated that we are liable for all charges on lost and stolen cards because our company has more than 10 credit cards for the fleet. The card agreement states that we are liable for " unauthorized use '' if the card is lost or stolen. The card was not lost or stolen, and the credit card company didn't do their required authorization check of asking for a passcode.
Consumer complaint received 2023-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

My Direct Loans were transferred to MOHELA in order for them to facilitate my Public Student Loan Forgiveness. I have well over XXXX payments, and was told my loans would be forgiven. MOHELA removed a portion of my loans, but not all. The only reason I have been given for not having all my loans forgiven is that I am responsible for the loan co-borrower 's amount. However, the co-borrower 's loans were all discharged due to Permanent and Total XXXX, and Federal Student Aid has said the only loans remaining are mine and that the remainder should be forgiven. In addition to this, as far as I can tell, my IBR recertification is due very soon, but I don't know if I need to submit anything or not because of the student loan pause or ( better yet ) my account is completely forgiven. I've tried to explain this to MOHELA and get this resolved and my questions answered, but most of the times I've tried to communicate with them I just get a scripted response telling me to call them. However, I can never reach a live representative by telephone. In addition, it is difficult for me to communicate verbally and I have requested written communication, but MOHELA has disregard my request and continues sending scripted responses telling me to call them.
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX CREDIT CORP SOLUTIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Debt Validation Request - Account Number XXXX Dear CREDIT CORP SOLUTIONS I am writing to request validation of the debt you are attempting to collect from me. I have a collection on my consumer report stating that I owe {$1000.00} on account number ( XXXX ) Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate this debt : XXXX. The amount of the debt ; XXXX. The name and address of the ORIGINAL creditor ; XXXX. The date of the last payment ; XXXX. The date of the default ; XXXX. A copy of the ORIGINAL contract or agreement ; XXXX. A detailed accounting of all fees and interest added to the debt ; XXXX. Proof that the statute of limitations has not expired. 

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 

Please note that I am not admitting to owing this debt and am only seeking validation of the debt as required by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

three months ago the bank blocked my account due to fraud alert. After being bounced around between departments throughout many phone calls, the specialized fraud department acknowledged the block, but then refused to verify my identity ( despite me providing 3 different phone numbers all of which they were misteriously unable to reach, mi SSN, my mailing address my debit card number and credit card number ). They told me to wait until a physical letter arrived to my mailing address with a security code. 
It's been 3 months. The letter never arrived. I've called more than 10 times in the meantime, all of the times they refuse to engage in conversation with me after claiming to be unable to reach my phone numbers on file, and hang up after telling to wait for the letter. I have been denied access to my money and savings for 3 months now and have not been able to even file a formal complaint with them because they have no such department. I NEED HELP
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX and Transunion are violating my rights for my XXXX XXXX XXXX customer account # XXXX. This is a violation and illegal to be reporting late payment transactions on my consumer report. 15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never XXXX XXXX. Also15 U.S.C 6802 B - I was never given the option to opt out! Please re

move all late payment transactions. 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 an account without my written instructions.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX 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 2023-03-03
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 (CA)

CapitalOne has failed to respond adequately to my Notice Of Dispute laying out 12 specific requests for evidence to verify and validate the alleged debt with account ending XXXX ( of which was received by the CEO, CFO and General Council of CapitalOne on XX/XX/23 per my Certified Mail confirmations ). It clearly stated that " notice is NOT a request for confirmation that you have a copy of an agreement or copies of statements. This is a demand for proof that you have the requisite knowledge of the facts and that the alleged creditor provided adequate consideration and incurred a financial loss under the full & complete original agreement. '' On XX/XX/23, CapitalOne sent me copies of billing statements. AGAIN, not what I asked for. In response, I then sent a notarized Affidavit of Truth to CapitalOne CEO, CFO, Counsel, Attorney General and complaints to OCC and XXXX  on XX/XX/23 ( and now CFPB ). This AOT was received between XXXX per my Certified Mail confirmations. The following laws were violated ( with proof via exhibits ) : 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ), 15 USC 1692g ( a ) ( 5 ) ( b ), 15 USC 1692g ( b ), 15 USC 1692e ( 2 ) ( a ), 15 USC 1692e ( 2 ) ( b ), 15 USC 1692f ( 1 ), and 15 USC 1692a ( 2 ).
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (TX)

Personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

Incorrect names : XXXX, XXXX, XXXX XXXX, XXXX Incorrect addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect employment information : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (DC)

XXXX XXXX Citibank closed my account with no legitimate reasoning. Nevertheless, they placed a blocked on me being able to recover my funds in my account in the amount of $ XXXXAs of now the account is still closed and they have not given me my money they told me over the phone that I could go to the bank to recover my account funds. Got to the bank for the banker to say that I wasn't allowed to recover my own money without reasoning and that I had to wait on a letter and 60 days. XXXX XXXX I received the letter in which the letter states that I am able to in fact recover my money from a branch yet I still am unable to receive my funds.
Consumer complaint received 2023-03-08
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: Nelnet, Inc. (GA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1688B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

PORTFOLIO RECOVERY ASSOCIATES , LLC has furnished an inaccurate, unverified account on my consumer report. I have provided accurate ( factual ) verified proof that clearly states this debit is not XXXX XXXX XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they responded with a stack of bills claiming it validates this debt to be mine and it does not and in doing so they refuse to remove this debt from my consumer report and it has cause my credit score to drop drastically and I have not been able to get above for loans, lines of credit or set up business credit for my business as well as mental anguish and anxiety due to this inaccurate, unverified account on my consumer report.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MI)

Citi  made a duplicate payment  ( {$2900.00} ) t o a merchant in  XXXX   XXXX . It refused to collect the duplicate payment from the merchant, and told me to make the collection . Citi  indicated at the time that all fees would be waived while I was collecting the money.  Citi main tained the duplicate charge on our account.   I finally obtained the funds from the merchant and forwarded them to  Citi i n  XXXX   XXXX .   In  XXXX   XXXX   Citi fi nally reversed all of the bogus late fees and interest it had charged to our account. The balance now is zero.  Citi h ad been, in error, reporting to the credit agencies that our account was delinquent. It refuses to correct those erroneous reports.   As a result, ou r credit score ha s been reduced more than  XXXX  points and we are incurring substantial penalties as we try to refinance a mortgage.