davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MD)

My loans were transferred from XXXX to MOHELA upon completion of a PSLF application. Initially, everything seemed fine, although the transfer caught me off guard. Despite this, I ensured my account was set up for auto payments. MOHELA received the payment of {$140.00}, the same amount I paid when with XXXX. However, because the payment post date was on the XXXX, an additional {$19.00} in interest was applied to my account, causing it to be past due. I contacted MOHELA customer service and spoke with multiple representatives. The first seemed confused and couldn't provide a satisfactory explanation, so she submitted an application for forbearance. Feeling uneasy about the charge and being told I was XXXX days delinquent, I called again. The next representative claimed the charge was related to the transfer and initially suggested I reapplied the payment ; then she stated the accounting department reapplied it. When I questioned the logic behind this and the fact that it made me appear delinquent, she explained it was an interest charge, as loans accrue interest daily. However, this explanation didn't add up. Why was I being charged {$19.00} randomly? This seemed like an error on their end. It's not about the amount but the principle ; it appears I'm late on a payment I had no knowledge of. This situation is unacceptable, and I'm still awaiting a satisfactory explanation
Consumer complaint received 2021-08-26
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I filed a claim with Wells Fargo on XX/XX/2021. On XX/XX/2021 I went to the ATM machine at XXXX XXXX and XXXX XXXX in XXXX, FL XXXX. The ATM did not dispense the {$100.00} that I requested. When I checked the balance it showed the {$100.00} was gone. I immediately went into the branch and complained to the bank representative. He said he was aware that the ATM was not functioning. He said that when they tally the machine at the end of the day, they will see the overage and refund me my {$100.00}. The claim # was XXXX. When the money was not returned the next day I called to register a complaint. I spoke with XXXX at XXXX. He said that there was a different department that handles the research and there is no number that I can call to speak to someone in that department. It was not until XX/XX/2021 that they returned the {$100.00} provisionally. Now on XX/XX/2021 they reversed the {$100.00} credit and closed the claim. I called XXXX @ XXXX and he said that when Wells Fargo did their research, the ATM machine did not show an extra {$100.00}. This goes back 2 months and I am not sure if the Bank rep would remember that the ATM was down on XX/XX/2021. There should be a record that the ATM was malfunctioning whether or not they can see the extra {$100.00} or not. I do not know the name of the branch representative This is 100 percent fraud on Wells Fargo account as they had a bank representative acknowledge that the ATM was down.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

XX/XX/XXXX - On this day, I sent the amount of XXXX USD using the WISE payment system. 
When filling out the details, an error was made in the company name, instead of XXXX, I specified XX/XX/XXXX, but all other details were specified correctly. 
The iaai company informed me that it rejected the transaction for this payment, respectively, the funds had to be returned to my account, which, by the way, was blocked on XXXX XXXX. 
WISE says that no funds were returned to them. 
That checking my account can take up to 60 days, but 4 months have passed, and we are not even one step closer to solving the problem. 
This payment system simply stopped responding to my messages.
Consumer complaint received 2021-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Business Bureau, Inc. (CA)

The consumer finance bureau has picked up a debt that was originally held by XXXX XXXX who determined that this and another debt were paid by my insurance and the debt collections were unfounded. I was not a patient of XXXX by 2016.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (MO)

I had a debt with XXXXXXXX XXXX XXXXXXXX. The sold it to Penn Credit. I called to pay the balance and was told because of the state I reside in ( Missouri ) I had to pay an additional fee of {$7.00}. How does the state I reside in constitute an additional fee? I did pay it with my debit card and there is no payment pending with my bank! SCAM
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (MD)

I am writing this complaint about XXXX XXXX and XXXX Credit Bureaus. I submitted a dispute letter to them containing blatant inaccuracies dated XX/XX/2021 and they are not complying with their own policies nor are they complying with the FCRA in a timely manner.
Consumer complaint received 2021-08-17
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. (AL)

I disputed the Date of last activity on this alleged charged-off account XXXX My dispute was received by Equifax XXXX XX/XX/XXXX Equifax responded on XX/XX/XXXX saying they did a complete investigation on the disputed account yet the data furnisher has verified the information being reported as accurate. First of all Equifax said they did a complete investigation and in 7 days responded with an incomplete inaccurate report I disputed the date of the last activity data field yet the problem with Equifax investigation is that it did not furnish any date of last activity or date closed on the alleged charged-off account I disputed yet in their response they stated the data furnisher verified the date of last activity is reported correctly how does a data furnisher verified a blank field? The Date of the first major delinquency is also inaccurate the reported date furnished is XX/XX/XXXX yet the Payment Status code for XX/XX/XXXX is labeled 1 which according to Equifax means " Paid within 30 days of the due date or not one payment past due '' This is inconsistent data and both can not be correct either the status code is inaccurate or the date of first major delinquency is inaccurate! 

Equifax also did not furnish the date of the last activity or the date closed which violates the Metro 2 Standard of reporting which was issued by the Consumer Data Industry Association which governs how data is to be reported on a consumer report. How can you continue to furnish this incomplete account when USC Title 15 1681EB Specifically states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Consumer complaint received 2021-08-16
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. (DC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PARSON BISHOP SERVICES, INC (TX)

Called Approximately at XXXX CST and politely asked said Hello is this XXXX XXXX then I began to ask what company she was with. She refused to answer until finally she stated she worked with Parson-Bishop. I then proceeded to ask what this was in regards to and she responded with This is not a sales call and then I proceeded to ask what she was wanting and she then stated When you want to stop acting XXXX give me a call back and then proceeded to hang up the phone.
Consumer complaint received 2021-08-16
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: TD BANK US HOLDING COMPANY (CO)

I have an unauthorized inquiry on my credit report from TD Bank USA / Target C. 

I have never done business with nor inquired information or submitted my personal information with the companies referenced above and therefore do not authorized a hard inquiry on my credit report. 

I am on and have been on XXXX XXXX military status and can confirm I did not submit or approve these inquires.
Consumer complaint received 2021-08-16
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: William D. Meeker Enterprises, Inc. (GA)

I filled a dispute in regards to incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.
Consumer complaint received 2021-08-16
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 — Problem with personal statement of dispute
Company: Aqua Finance, Inc. (TN)

The account is paid in full NOT a charge off. Aqua finance sent a Paid In Full letter reflecting the {$6600.00}. But has yet to update the credit reporting by removing tje charge off. Because of their inaccurate reporting my credit score dropped 57 points. 
The amount they claim is paid on my credit report of {$5100.00} is also inaccurate. My husband had our credit union mail them a check for the total amount to have it paid in full at {$6600.00}. There is a clear discrepancy of {$1500.00}. I was a co-signer on my spouses account. This fraudulent reporting is damaging my credit which I work hard on keeping it in great standing. This shows by my personal history.
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Due to a job loss that occurred years ago, I fell behind on my loan and could not afford to reinstate it nor did I qualify for a loan modification because I did not have the income. I have been working for months to do a short sale with the lender and I am currently under contract with an offer but the offer is under review and we are not quite ready to close but the mortgage servicer is not wanting to allow the additional time needed so the that the buyer can close. I have met all requirements given by the servicer and I am in the process of moving out of the house to prepare for closing. At this time, I am a self employed individual and can not afford to deal with the repercussions of a foreclosure, when I am making a great effort to get the debt resolved and settled. It would negatively effect my business. I have provided all of my financial paperwork, settled with the homeowner 's association on the home and just need at least an additional 30 days so that my current buyer can close. I've been doing the short sale for over a year now and do not want my work to go in vain. I just want to get this settled so that me and my family can move forward. Please help me get this resolved, I do not want a foreclosure to affect my credit any further than it has already been affected.
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I received a letter from XXXX XXXX XXXX stating that I owed {$460.00} and that an account was opened on XX/XX/2019. I called to verify and I was told that I did not have a card associated with my name. However, I received a letter from Portfolio Recovery Associates stating that the account was sold and it was attempt to collect a debt. During the time this account was opened, I was living in the state of XXXX and was not at the address mentioned on the XXXX XXXX XXXX Account.
Consumer complaint received 2021-08-11
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. (NC)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
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: LEXISNEXIS (FL)

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.

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 2021-08-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation (IL)

In the middle of the collection process without warning or notice, the collection agency put a negative comment on my credit report. In his personal attempt to collect during XXXX, the XXXX  had been unwilling to review the insurance documents. The collection agency sent ONE written notice ; I responded with a phone call and explained that my insurance company said the amount was off. The agent said that they would look into it ( late XXXX, XXXX ) and without warning on XX/XX/XXXX, the collection agency posted a collection on my credit report. I believe that this is an attempt to intimidate me. My >800 score has dropped 127 points on XXXX. Today, XX/XX/XXXX, I discovered the collection on my credit report during a monthly check of my credit report and disputed the collection on XXXX  and XXXX. I want ACCOUNT RESOLUTION CORP, XXXX XXXX  XXXX XXXX, XXXX, MO XXXX to remove the collection immediately. ARC is acting in bad faith and has unnecessarily damaged my credit rating in an attempt to collect amounts that ( according to my insurance company ) are not owed.
Consumer complaint received 2021-08-17
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX XXXX, Tn Child Support, XXXX, XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Consumer complaint received 2021-08-26
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. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Midland Credit Management Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/2023, I called Bank of America ( BoA ) because I had unauthorized charges on my debit card. These charges were made to a XXXX account using my information to send a complete stranger money. I filed a fraud claim and was told that a decision would be made in the following months. Shortly after the incident I was credited the money that was taken from me ( about {$3000.00} ). I contacted the bank to see how long I should wait to use the credited funds, and they told me I could use it as soon as I wanted! Which I did. Now it is XX/XX/2023 and because BoA decided that those charges were authorized ( which they weren't! ) my account is now - {$2000.00} in the red. I have made countless attempts to get this decision reversed because I had to get this issue escalated to the FBI for further assistance. I was told the process would take time, but it doesn't seem fair to me to live off of a negative balance for the duration of the investigation!
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XX/XX/2021 - I was informed by XXXX XXXX XXXX  my personal residence ( XXXX XXXX XXXX XXXX, XXXX XXXX, Ok XXXX ) had a judgement placed from XXXX XXXX XXXX. The name on the judgement was XXXX XXXX XXXX. I contacted XXXX XXXX as I had never received anything related to such a judgement or received any phone calls. I have been at this residence for 15 yrs. When I provided case # XXXX and my social security number they stated they had no account for me. I asked how to have this issue resolved they said its not there problem and they can not help me. XXXX XXXX XXXX failed to provided me a validation of debt letter at the address they filed the lien on. XXXX XXXX failed to contact me prior to obtaining the judgment or lien on the property. XXXX Mortgage per public records in XXXX County, Oklahoma shows the case number that was filed against a XXXX XXXX XXXX, however, that account number is not associated with me and the address they associate this XXXX XXXX XXXX is at XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX. This is also the address in which this individual was served notice. XXXX XXXX knowingly or should have known the XXXX XXXX XXXX XXXX, XXXX XXXX, OK address was not associated with their debtor. XXXX XXXX knowingly failed to take my dispute of the legal filing against my property seriously or perform any research. XXXX XXXX has been deceptive in filing a lien on property they knew or should have known was not associated with their debtor.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-26
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. (MI)

Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. 


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