davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WI)

On XXXX At XXXX I received a call back from MOHELA XXXX The supervisor hung up on me at XXXX when my call was disconnected. 
During the call, I indicated that I have XXXX outstanding issues with my loan servicing that I would like to get resolved. I initially brought up my loan balance including principal and interest of {$170000.00} reflected on XX/XX/year>, which does not currently reflect the balance in my MOHELA account including principal and interest. Representative indicated they would put me on a brief XXXX hold to research this issue. It appears that the representative that assisted me did not spend any time looking at my notes or case before calling me. After the first brief hold, the supervisor needed to put me on a hold again. 
I expect to get a call back because I was disconnected. The time is XXXX on XXXX. 
The representative that spoke with me on XXXX exhibited similar behavior to a representative who I spoke with last week, XXXX who indicated I needed to wait on hold to speak with an " Advance Team '' However, after an estimated wait time of XXXX minutes that lasted over XXXX hours, I received a call back from XXXX who indicated that I needed to be " transferred to another department who could help me. '' XXXX indicated that they had not heard of an advanced team and assured me that they were no different than XXXX and " just a normal call center representative. '' This presumption was affirmed by XXXX # XXXX who assured me that they too had never heard of an advanced team or an advanced representative and that this wasn't even a thing. This appears like a deliberate and malicious attempt to avoid addressing my issues with loan servicing and not responding to my inquiry.
Consumer complaint received 2021-10-01
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: JPMORGAN CHASE & CO. (CA)

I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (CA)

I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2021-10-01
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: Bread Financial Holdings, Inc. (CA)

I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2021-10-01
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: AMERICAN PACIFIC MORTGAGE (CA)

I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Payment of {$1000.00} made on using XXXX XXXX XX/XX/2020 was not posted timely to my account although Loancare received funds via a bulk payment # XXXX on XX/XX/2020. There mistake affected my account status and they refused to help me fix it.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I submitted a dispute to the company. The company failed to notify the consumer reporting agencies of my dispute, also failed to due so in the time period required by law.
Consumer complaint received 2021-10-01
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: Medical Business Bureau (IL)

MEDICAL BUSINESS BUREA Is reporting a {$960.00} medical collection on both my XXXX and XXXX credit report as a collection MEDICAL BUSINESS BUREA has failed to validate this collection with original contact with my signature a bill with the amount on it is not a contract I would like the collection removed immediately form both XXXX and XXXX
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NJ)

I have identity theft problems, it turns out that they opened a credit card account with the ACIMA OR ACIMA LEASING company with my documents, I reported and sent them the identity theft document saying that someone opened a secured card and left it to pay with my information Now the bank reports late payments and tried to solve the problem and for the bank to delete that account since it is not mine, I was able to get the account number with the credit bureau and made several disputes but when the credit bureau did the investigation and they contact the bank claiming that it is mine but they do not send me proof since I had an identity theft and I let them know. 


THE NOMBER IN MY CREDIT REPORT IS ACIMA CREDIT FKA XXXX # XXXX
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( Comenity Capital Bank ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have requested that Experian update my address on my credit report to reflect my only address which is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX and they have refused on both occasions. I sent this request on XXXX and they still have address on my credit report that I do not live at. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TN)

I had a total of 3 medical collections account from XXXX XXXX XXXX removed. However, there is still one collections on there for the Physician. I do not understand how this is still there. If 3 were moved and deleted why am I charged for a Physician for one of those accounts that was incorrectly place on my credit report and been there for months hurting my score..I wasn't treated my a XXXX XXXX and didn't pay. I've always had medical insurance for the most part.. The collection was sold to Transworld XXXX
Consumer complaint received 2019-12-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: MEI AUTO FINANCE INC (TX)

MEI auto finance continues to strong arm me on a auto loan that I have paid off they strong arm me by "timing out" my vehicle. this loan started on XX/XX/2015 they financed $XXXX to which the total I was to have paid at end of loan was $XXXX to date I have paid over $39,000.000 I had a couple extensions of which I paid and now they are saying I owe another payment and have also "timed out" my vehicle whereby leaving my children stranded at school as well as me not being able to get back and forth to work with this being my only form of transportation, they which they know and use this as a means to strong arm additional payments out of me.
Consumer complaint received 2021-10-01
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. (GA)

I have been disputing XXXX XXXX XXXX from my credit report. It is a medical bill and it has been violating my rights under HIPPA. They do not have my signed HIPPA authorization form stating that I gave them permission to report this to my credit report.
Consumer complaint received 2021-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have identity theft problems, it turns out that they opened a credit card account with the CAPITAL ONE BANK company with my documents, I reported and sent them the identity theft document saying that someone opened a secured card and left it to pay with my information Now the bank reports late payments and tried to solve the problem and for the bank to delete that account since it is not mine, I was able to get the account number with the credit bureau and made several disputes but when the credit bureau did the investigation and they contact the bank claiming that it is mine but they do not send me proof since I had an identity theft and I let them know. 

CAPITAL ONE BANK : # XXXX
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (DE)

I recently checked my credit report and noticed fraudulent inquiries on my credit report. I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

XXXX posted incorrectly to my account taking more money than they should have. They admitted such and were advised I would ask the bank not to pay and put a claim in since they put XXXX an XXXX  and fee charged status. The bank was asked to deposit the money into another account but refused. XXXX supervisor refused to do such or pass me to anyone else. Basically kiss off. Am I the customer? Is it not my money? And why are they protecting a billion dollar business that has admitted they billed in error while subjecting me to returned items and other possible charges and acct impacts. If you call this consumer protection how sad. Call itcwhatvitcis protecting big business.
Consumer complaint received 2021-10-01
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. (LA)

I did not authorized these creditors to pull my credit and I have no knowledge of these creditors. The hard inquires listed below are fradgelant. I have dispXXXX XXXX XXXX XXXXuted these hard inquires through Experian and the creditors and have been ignored. Both companies have not validated these inquires and I want them removed ASAP. 


1. Experian & XXXX  XXXX XXXX XX/XX/21 2. Experian & XXXX XXXX XXXX XXXX XX/XX/21 3. Experian & XXXX  XXXX XXXX XXXX XX/XX/21 4. Experian & XXXX XXXX XX/XX/21 XXXX. Experian & XXXX XXXX XXXX XXXX XX/XX/21 6.Experian & XXXX XXXX XXXX XX/XX/21 7 . Experian & XXXX XXXX XXXX XX/XX/21 8. Experian & XXXX XXXX XX/XX/21 9. Experian & XXXX XXXX XXXX XX/XX/21 10.Experian XXXX XXXX XX/XX/21
Consumer complaint received 2022-08-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bull City Financial Solutions, Inc (SC)

In accordance with the fair credit Reportin act Bull City Financial Solution Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the rights to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-01
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I received the following email the other day that reminded me that I had an open account with XXXX not that long ago ( much less than 7 years ago ) so why doesn't it show up on my credit reports? XXXX is still blocking my access to my own account ( apparently someone has changed my personal history so much that I can no longer prove who I am ) Anyway, here 's the email ; XXXX XXXX, we disabled your current password for security reasons. 

Hello, XXXX XXXX XXXX Please create a new password At XXXX, safety and security are our top priorities, and we routinely monitor accounts for any suspicious activity. We spotted something unusual, and as a precaution, we disabled your password. Dont worry, your account is fine. You just need to create a new password to continue using your account as usual. 

To create a new password : 1. Go to XXXX and click Log In.

2. Click Having trouble logging in?

3. Create a new password thats unique to your account. Make sure it hasnt been used before and is hard to guess. 
Once you've created it, your new password is effective immediately. If you have any questions, please contact us. 

XXXX Help & Contact | Security | Apps XXXX XXXX XXXX XXXX XXXX is committed to preventing fraudulent emails. Emails from XXXX will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. 

Not sure why you received this email? Learn more Copyright XXXX XXXX, XXXX All rights reserved. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX : en_US ( en-US ) XXXX XXXX XXXX So, apparently the account is still open, but I have no way of accessing it, but apparently someone else does. Who is the criminal here? The credit reporting companies? Someone stole my identity and then reported 'incorrect ', info and got my own name off of my own account? I still have an outdated credit card from XXXX, but the other person apparently has possession of the other card. Most importantly is that I receive monthly government assistance which I received via XXXX XXXX, from which I often loose funds from, apparently, due to this very same individual, this person must have another card to my account, an account that I have now, except for the debit card itself, I have been locked out of, and apparently, because of this other individual 's address I am blocked from changing the financial institution that handles my government Social Security funds.
Consumer complaint received 2024-03-07
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I started contacting BOA, XXXX, XXXX, XXXX since XX/XX/2020. 
I have a contacted, sent police reports, letters to dispute charges. I paid what I owed but they did not close as requested, remove fraudulent charges, accept dispute. Each company stated because I made payments I was responsible. I chose to Pay what I owed and refused to pay the fraudulent charges. Many charges were for Smoke Shops, liquior shops I have never ever even been in one. Charges are in other states, under previous name but to avail fo the companies help. 

FTC send reports findings that the BOA was fraudulent but they did not remove charges. 
I have continued to be contacted by company and now collections agency. I am disabled and have fought this for 4 years, it has affected me mentally/physically. Someone needs to help with this issue.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

In XXXX of 2021 I received a court document from a collection agency stating that they had served me they had gone to court behind my back and they won by default. I was never served in any way shape or form I was never notified by this collection agency I don't know what the debt is for where the debt came from or even if the debt is mine. The three pages of the Court docs didn't include the name of the original debtor the name of the person that I owe the debt and when the last payment on this supposed to get was made which means I don't know if it's mine where it came from and it is more than likely a time-barred debt. Since they won by default because they falsified documents and they serve me when they didn't I'm now on the hook for almost {$5000.00} which I don't know and I don't know how to fight it. I need help ASAP before deleting my home or if they try to garnish my husband 's wages we would not be able to make our mortgage payment and we would lose our home. I never received all the full court documents and if you'll notice on the image I attached the page that is supposed to provide the original debtor how much does XXXX on the last payment was made with never filled out it was incomplete. They did not provide me with any of their evidence to prove to the court that I guess it wouldn't have to because I knew I wasn't going to show it because I wasn't served so they knew they were going to win by default
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (IN)

the collection company As Nation Wide Recovery calls me on the phone with a new number after blocks. 
I am very tired of their tactics. they change the block number. 
I have insurance XXXX XXXX XXXX XXXX and the bills are covered through my decease husbands benefits as a his wife. 
I am a senior I don't have large money for what my insurance leaves over. 
the Collection agency has the same multiple bill on my credit report repeating the same amount as to destroy my credit. 
my complaint is harassments using my credit report repeating one bill 4 times or more on my credit report. 
They have 2 bills making it look like 8 bills owed.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

My account with my bank USAA was closed due to fraud supposively. The same week I received my income tax refund. I had over {$15000.00} in my account. Now today is at {$7400.00} due to my bank taking money out of my account. My checking account is closed in a credit only status. I was told it would be closed XX/XX/XXXX. I called every other day until XX/XX/XXXX. And after several hours on the phone I was then told is was being closed and call back today XX/XX/XXXX to ensure my money was released. However, on XX/XX/XXXX Monday the next business day they opened the investigation back up and have given me a date of XX/XX/XXXX. I lost my job the week after my account closed and have been unemployed since with no work and and being a recognized XXXX veteran I have lost my vehicles and have had to file bankruptcy due to my money being held XXXX after 60 days of the agreement. It has been XXXX  days. I am just trying to save my house from foreclosure.