davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (IL)

This company, Security Credit Services is bogus and finds accounts to pin on innocent people that have NEVER applied for the " said '' accounts. I have NEVER financed furniture and have an account listed for {$2500.00} since XXXX that is reportedly for a company that was a fly by night furniture company in XXXX and is no longer in business. I have contested it repeatedly and finally got it off of XXXX  and XXXX but XXXX  won't remove it for some reason. This company has not been able to produce ANY documentation of anything I signed, no copy of my ID, no proof of address where the furniture was reportedly delivered to. It's ridiculous and should NOT be allowed by these credit bureaus. 

I have attempted to reason with this company in the past to no avail. The XXXX is FULL of complaints about this company and is even marked as a high alert due to high number of fraudulent reports. 

This account is negatively affecting my credit file and I need to get it rectified asap. 

Thank you.
Consumer complaint received 2023-01-21
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. (AR)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I am disputing the Account XXXX XXXX Balance Owed : {$34000.00}. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This account does not belong to me and is a result of identity theft. 

Disputed with all 3 bureau 's on XX/XX/2019 for both accounts, results came back unchanged. 

This company has attempted to sue me two times over the past year even though I have been living in XXXX for 1.5 years at this point and they don't seem to be stopping. 

They've been calling my work phone number as well when I have told them to stop harassing me several times.
Consumer complaint received 2023-06-14
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: CITIBANK, N.A. (KY)

Please refer to previous complaint XXXX with the CFPB. A woman named " XXXX '' from Citi Bank Executive Office called my phone number ( XXXX ) XXXX at XXXX XXXX  XXXX leaving a message of XXXX seconds. I was at work and could not receive phone calls. " XXXX '' message DID NOT resolve my issue of having restrictions of multiple verification hold placed upon my credit card account with Citi Bank. 

A woman from Citi Bank called ( and did not leave her name ) on XX/XX/2023 at XXXX XXXX  XXXX leaving a message for XXXX seconds. Again, I was at work and could receive phone calls. The representative from Citi Bank did not resolve my issue of having restrictions of multiple verification holds placed upon my credit card. 

Citi Bank is evading the concern and repeatedly discriminating against me as a customer by continuously asking for my address ( abusive surveillance ) while utilizing skip tracing and workplace address and phone ( for purposes of harassment ). Citi Bank when the information has been provided over the phone to Citi Bank account representatives, Citi Bank account representative then deny my request for transaction - opting to repeatedly send letters requiring me to call to provide the same information only to have my credit card transactions declined by CitiBank. 

In Citi Bank 's response letter, Citi Bank lies about my phone number not being on file for verification purposes. It is the same phone number that I have used to request a new credit card as well to verify purchases. Citi Bank is discriminatory because they do not harass consumers who have savings accounts with the credit card company. Citi Bank does not harass consumers with low balances. Citi Bank does not harass XXXX and XXXX  who have high credit scores. Citi Bank has made using available credit extremely hard despite me paying the minimal payment or more a month- not having been late with a payment in the current. Also, Citi Bank just started this process this year and did not restrict use of my credit card years prior DESPITE never going over my credit limit to the current. 

If the CFPB supervises Banks ( credit card companies ) to ensure these institution do not practice discriminatory practices to consumers, then why are these institutions and organization being able to be their on judge and jury in-house to solve discriminatory issues and unfair consumer business practices. Citi Bank continues the same practices and CFPB assists CitiBank with not resolving issues that many Americans frown upon even though CFPB has an Ombudsman... Congressional representatives should look into this Agency for XXXX XXXX XXXX  with the financial institutions CFPB was created to protect consumers from.
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

I have been advised by counsel to formally document and inform Mohela and the office of XXXX of all interactions that occur from today and moving forward. 

On Tuesday, XX/XX/XXXX I called MOHELAs PSLF line at XXXX XXXX. I was placed on hold for an hour before a representative answered the phone. The reason for my call was that 8 of my payments have been improperly marked as ineligible for PSLF even though they are eligible under either TEPSLF waiver or the IDR waiver. I had uploaded 3 pieces of explanation and documentation on XX/XX/year> that Mohela had moved from processing to canceled three weeks later without explanation. 

When I spoke to a representative, I requested to be transferred to a supervisor from the Escalation Team. Instead she kept me on the line for an additional 20 minutes only to tell me that she had spoken to a representative who said the payments were correct and being looked into. Those two statements contradict themselves. Either the payments are correct or they are being looked into. I requested to speak to the Supervisor myself and was placed on hold before being informed that all members of the team are busy and you will receive a call back in two business days. The line then hung up. 

I then called the Ombudsmens Office since I have an active and open case with FSA that they failed to respond to within the allotted 15 days. I was again on hold for 30 minutes before speaking to a representative who mentioned he was part of the investments team and incorrectly surmising that the payments were not qualifying because I did not certify my employment. The issue at hand is first that payments were made prior to consolidating with Fed Loan Servicing while working for a qualifying employer and second that payments were made during an inappropriate period of forced forbearance. 

I am now on hold again in hour 3 of being placed on hold. While on hold MOHELA called and when I went to answer had hung up. Then after 3 hours on hold with the office of FSA waiting to be transferred to a supervisor that line hung up on me as well.

I formerly request that both Mohela and FSA respond to this letter in writing with an explanation of why my uploaded forms were canceled as well as that I receive an updated an increased payment count from XXXX to XXXX or an explanation of why they can not be updated as such. MOHELA and now XXXX have been placed on notice and has 60 days to respond to this action before further legal action will be taken. I have documented all interactions and have evidentiary support to further my next steps.
Consumer complaint received 2023-01-14
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-11-19
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. (GA)

I called XXXX XXXX XXXX  who is XXXX  Visa I tried to do a credit increase they said my report told them my usuage on this card is too high My issue with this credit company they have not reported my card Since XXXX of XXXX I have also ask of them to remove the late from XXXX because it was covid I need them experian XXXX ans XXXX to rescore my credit I lost XXXX points with this company I have paid this card off several times in the past 3 months that has not been reported.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (ME)

I am enrolled in PSLF and my XX/XX/XXXX payment was incorrectly placed as ineligible towards my loan forgiveness count. MOHELA representatives will not tell me who made this payment ineligible and why I was incorrectly placed in forbearance. Multiple representatives told me this would be corrected by XX/XX/XXXX. When I spoke with a MOHELA supervisor on XX/XX/XXXX they told me the representatives gave me false information and that the review was being done by the department of education through XX/XX/XXXX. I was told this payment will count towards my count, but i can not believe anything MOHELA says. The supervisor also told me representatives were not logging call notes and there is no record of my previous conversations. MOHELA stated they could not change my payment from ineligible to eligible. I attempted to contact federal student aid on XX/XX/XXXX but the answering service said it was unable to take calls. The federal student aid chat directed me call MOHELA. The representative would not tell me if federal student aid or MOHELA incorrectly placed the count as ineligible. MOHELA representatives are providing false information to borrowers.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (SC)

The company is Genesis Fs. I have XXXX credit cards with them. The oldest being XXXX XXXX XXXX I believe. I have lived at the same address for XXXX  years. Somehow they allowed for my address to be changed on all XXXX cards. I was also locked out if my online accounts. I attempted to reach out to the company. I was told to send them a copy of my drivers licenses through the mail to verify my address. They refuse to verify me by any other means. Like phone dob ssn and so on. I have been dealing with this for awhile now. I have no access to cancel the cards or to even pay for the cards. The problem also comes in that I have no access to get statements and the balances are higher than they should be. They will not review any info on the charges with me. So while Im waiting for them to review my driver licenses they keep wracking up fees. This is completely not ok.
Consumer complaint received 2019-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (OH)

This complaint is to XXXX XXXX the agent of AmSher this is a official notice Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with XXXX XXXX XXXX XXXX in regard to the referenced deb . Please delete this account XXXX XXXX from your database.Please cease/desist using the name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX this is a trademarkname and LLC. We are not sure how or why you have this account and protected name in your office. We would like to end any assumed business relationship that may have been confused for any contracts for business. We failed to find any contract for business between AMSHER COLLECTION SERVICES , INC AND XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-12-12
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: Experian Information Solutions Inc. (CA)

There is a line of credit being reported by Experian for XXXX XXXX XXXX for the amount of {$49.00}. Now this is an error because XXXX  XXXX XXXX provided an statement in which it shows a XXXX balance and I have forwarded this letter to Experian Twice and they claimed they have verified it with the source? how can this be when XXXX gave me the letter themselves stating XXXX Balance.
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Issue XXXX : MOHELA forced me to recertify my income for PAYE in XX/XX/XXXX before the original recertification deadline of XX/XX/XXXX at the earliest and otherwise they threatened to raise my monthly payment amount to the standard payment plan payment. This resulted in my payment increasing from {$340.00} ( which was my payment prior to COVID pause ) to {$1200.00}. I have been making payments to avoid defaulting on my loans. Now the recertification deadline has been moved to XX/XX/XXXX, but I was already forced to recertify by MOHELA. 

Issue XXXX : They also put my account into Administrative Processing Forbearance for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and my MOHELA account states that these months do not qualify toward public student loan forgiveness when a document that US Department of Education sent me said that these months of Processing Forbearance would count toward PSLF.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent a dispute letter last month requesting that you remove the following inaccurate accounts or that you update the inaccurate information, and it was ignored. I would like to know what your method of verification was as well as the documentation to prove you performed an independent investigation. 
Where is the proof this investigation was done? Why cant you send it to me? I am re-disputing these accounts. 

XXXX  XXXX XXXX delete this account for inaccuracy because the high balance is {$350.00}, and {$0.00}, last verified date XX/XX/XXXX for XXXX and XXXX has No date reported. 
The date of last activity for XXXX XX/XX/XXXX, for XXXX XX/XX/XXXX, Date reported for XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX Date opened for XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Closed date for XXXX XX/XX/XXXX and for XXXX there is no date at all. 

XXXX XXXX Last verified by XXXX XX/XX/XXXX, XXXX no date, Equifax XXXX date, Date of last activity XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Date reported is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, The date opened is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, Balanced Owed is inaccurate XXXX {$5900.00} XXXX {$5900.00}, Equifax {$6300.00}, Creditor Type : XXXX has Finance/Personal, XXXX XXXX XXXX XXXX EquifaxXXXX XXXX Dealers XXXX this is inaccurate. 

Last Payment is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, Term Length XXXX 62 month, XXXX 62 months, Equifax has no term reported, Last payment XXXX XX/XX/XXXX, XXXX, Equifax XX/XX/XXXX XXXX Past Due Amount : XXXX {$1500.00}, XXXX : {$1500.00}, Equifax : {$1000.00} Please Block and delete this account for inaccuracy Please send me a new credit report Thank You
Consumer complaint received 2018-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (FL)

Opened : XX/XX/2016 ( 1 yr, 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX I just have no idea of this account.
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXXBalance : {$10000.00} XXXX XXXX XXXX68****Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXXXXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXXBalance : {$10000.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXBalance : {$10000.00} XXXX XXXX XXXX**Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX  Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXXBalance : {$10000.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX
Consumer complaint received 2021-11-19
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. (CA)

Sometime between XX/XX/XXXX and XX/XX/XXXX my creditors went missing. Please see screen shot with list of 22 revolving accounts - 1 mortgage - 2 installments a total of 26 open accounts - none negative. some how my report " split '' off and I have a merge with someone else 's files. Please see attached screen shots. You can see im using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you can see the history of my report from pull down of old accounts showing and now not showing with most recent report. Two accounts that are reporting are not mine are XXXX XXXX XXXX XXXX XXXX in charge off / collection status. They are currently under dispute and need to be removed from my report. I have tried to get someone from Equifax to help me they said they opened case # XXXX but no one knows what that is. I speak to reps from office of consumer affairs and are rude, disrespectful and not helpful. Equifax XXXX.
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (TX)

although i this collection wasnt mines i decided to call the company to resolve the collections since it was really harming my credit. this acct is not mines and i actually had requested a signed agreement. i dont even know what type of debt is this the service rep told me that if i will pay the debt in full that they will remove the collection out of my report. they recently gave me a letter of deletion but the debt is still reporting.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

It is my understanding that an extended ( seven year ) fraud alert is in place with XXXX on my credit report. It is also my understanding that Equifax does not have an extended alert in place. 

I spoke with representatives of XXXX ( XXXX, XXXX ) and Equifax ( XXXX ) today. Equifax requested that I supply it with documentation before I may receive the extended alert. However, that should not be necessary in light of the seven year alert with XXXX. 

The FTC website addresses the extended fraud alert. The site states in part : How to place : Contact any one of the three credit bureaus Equifax, XXXX, and XXXX. You dont have to contact all three. The credit bureau you contact must tell the other two to place an extended fraud alert on your credit report. https : //consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts Per the FTC guidance cited above, Equifax should immediately comply with its obligation to place an extended, seven year fraud alert on my credit report.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (PA)

Synchrony You've updated a scheduled payment for your CARECREDIT / SYNCHRONY BANK account. 
Thanks for the recent update to your scheduled payment. Review changes below, if needed.

Payment Date : Payment Amount : Confirmation Number : XX/XX/2023 {$51.00} XXXX Didn't make this change? Let us know. 
If this was you, you're all set. 

Tried calling, can't get a human on phone, want to pay off and cancel card
Consumer complaint received 2022-11-11
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. (PA)

XXXX XXXXXXXX Address XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Last Payment Made XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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