davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I consolidated my student loans and once my loans completely processed and posted on Mohela website I turned in my PSLF form as directed on XX/XX/2022. I then got notification from Mohela that my form had been processed. I go to look and noticed that nothing had been process as it had XXXX counts. I called Mohela on XX/XX/2022 of which the rep advised me for some reason the system overlooked my application and did not process it so she was resubmitting for processing again and it would take 90 days. I go to call for Status in mid XXXX to check status only to find that they still have not fully processed and that the temporary waiver had yet been applied I spoke with a supervisor after waiting on hold for 5 hours and she assured me that my account would be resolved by XX/XX/2022. I then go to check status on my online account with Mohela only to see that they had marked my form as duplicate even though they never fully processed the original one that was filed. I called again to Mohela and spoke with a rep who looked up my account and stated that it has not got processed and she has never seen this before. The temporary waiver nor have the regular pslf been fully applied. She advised that she will resubmit again for processing but also advised me to do a reconsideration request as this keep; happening. I am frusterated, depressed by this, no out come no resolve, I have tried all the normal procedures on reaching out to Mohela and nobody is working to resolve my issue and properly apply the temporary waiver for the pslf form. They have none of my regular forbearance, Covid Payments forbearance and all my payments when I was in repayment. I also contacted them on messages in the portal XX/XX/2022 and they sent a blank response 3 months later, please please help
Consumer complaint received 2020-01-14
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: JPMORGAN CHASE & CO. (NY)

In late XX/XX/2019 I've managed to purchase XXXX XXXX XXXX XXXX  headphones at XXXX. After I've unboxed I've discovered that left ear was defective and it wasn't charging, nor playing music, while right one was working fine. I've vocalized my concern to XXXX customer support over the phone and been provided with return label altogether with return form. The item has been returned to XXXX facility in XXXX, KY, nevertheless I didn't see a refund posted back to my account. 

Please, consider all supported documents attached such as a copy of return form, return label, ups tracking information and proof of delivery.
Consumer complaint received 2020-01-14
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Asset Agency, Inc. (TN)

On XX/XX/2023, I received an email from my credit monitoring service that Global Asset Agency has flagged my credit report with a collection for {$2500.00}. This was odd to me because I didn't receive any correspondence from this company. The only notification that I received, was the alert from my credit monitoring service informing of the collections being reported. On XXXX XXXX, I expressed mailed a dispute, validation and request for removal letter to Global Asset Agency to the address showing on my credit report ( USPS tracking # XXXX ). Global Asset Agency received the letter on XX/XX/2023. As of today, I still haven't received any correspondence or any other form of communication from the company. I never received any validation of this alleged debt, yet they took it upon themselves to flag my credit report. This is a violation of the FDCPA and I want this inaccurate reporting removed immediately.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (IN)

We never authorized any credit checks with this company named Credco. They ran our credit twice ( X2 ) through XXXX  ( both my wife and I ) on XX/XX/2020. When we advised them that we did not authorize this they requested further personal information from us such as Government ID, Social security numbers, and a utility bill in order to put a freeze on our account. All 3 bureaus have been notified and are monitoring for any potential fraud, this Credco company is either taking part in this fraud scam or is helping the potential fraud scam.
Consumer complaint received 2020-01-14
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: EQUIFAX, INC. (AR)

ALL 3 BUREUAS ARE ILEGALLY REPORTING XXXX  XXXX XXXX  XXXX, LOAN XXXX, ORIGNAL TRADELINES XXXX XXXX AND XXXX WERE DELETED, BECAUSE THE S.O.L. EXPIRED OM XX/XX/2019. FINALLY THIS WAS LISTED AND DISCHARGED IN BK.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC (IL)

XXXX XXXX XXXX open XXXX XXXX  lender XXXX XXXX remove account completely!! 
improperly reporting on all bureaus showing incorrect payment statuses late payments should not be reporting!! 

XXXX, XXXX keeps reinserting the accounts after being removed!! This is the second time it has been reinserted without a 5 day notice or reasoning why and it is always showing balances or saying charged off which is incorrect reporting late payments being reported on my report from all 3 bureaus after being granted extension from original creditor a huge internal miscommunication! 
please assist me this is affecting me tremendously and the companies are lacking urgency and proficiency to help me out.
Consumer complaint received 2020-03-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: McCalla Raymer Leibert Pierce, LLC (FL)

I just received a letter from McCalla Raymer Leibert Pierce , LLC ON XXXX. I took out 2nd mortgage in XXXX, since then I received two modifications. My second mortgage of originally XXXX after making payments reduced to 45k-46k. The balance was put in back of the loan and stayed silent. Now this law firm is asking the balance with fees and interest totaling XXXX as of XXXX XXXX. This firm has not taken any action as of yet. Just trying to collect a misinform debt. My home foreclosure may be their short term goal. 
I did indeed noticed XXXX XXXX XXXX XXXX is not mentioned at all in the letter sent. The original company ( SLS ) in which the money was said to be owed and they would proffit 100 % of the proceeds if successful. I also just looked at my County Court public records and also noticed ( XXXX XXXX ) just filed or added their named along with others on XX/XX/XXXX. 
I am just a XXXX military war vet. trying to survive another year. Now this.
Consumer complaint received 2023-05-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (MA)

WELLS FARGO INCORRECTLY CLAIMED THAT DURING A COVID DEFERMENT I SIGNED THE FORM BUT IT WAS NOT DATED. THEY REPOSSESSED MY CAR AND DESTROYED MY OTHERWISE EXCELLENT CREDIT BECUASE OF THIS. THIER CASE NUMBER IS XXXX.
Consumer complaint received 2020-01-14
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: EQUIFAX, INC. (FL)

Equifax ; XXXX  and XXXX  are reporting incorrectly a late in XX/XX/2017on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I normally receive a paper statement for this account via U.S. Mail. I did not receive XXXX statement. When I realized that this statement never arrived I immediately contacted the bank and made this monthly payment. I was assured by the representative that I spoke with that no late payment would be charged and that a late would not appear on my credit report. I was not aware that there was a late until I obtained the most recent copy of my credit report. This inaccurate reporting of a late is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this removed however, I have not been successful.
Consumer complaint received 2020-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (GA)

On XX/XX/2019 I contacted the PHOENIX FINANCIAL SERVICES LLC regarding the debt of {$280.00} that I owed. I paid {$120.00} and at the end of the conversation I was told that the debt was settled and paid in full. When I asked how long it would take to be updated I was told it would be removed from my credit report no later than XX/XX/2019. It has been nearly two months and it has not been removed from my credit report and it is still listed as an active account when it was paid in full in XX/XX/2019. The confirmation number for this transaction is XXXX.
Consumer complaint received 2022-11-12
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)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NY)

Back in XXXX, I entered an agreement with Jefferson 's to pay off a charge for a settled amount. The agreement was binding, and I paid my portion of the agreed-upon debt. However, as of yesterday, they added to my credit report an amount that was still owed. This search is a breach of contract, and as an attorney, I will pursue this as a breach of contract claim.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

I need help with getting my Annual credit report. I need them from all three companies : XXXX XXXX XXXX. Exi fax. Please. The questions that was ask I answer then correctly .And my address has not change.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

I need help with getting my Annual credit report. I need them from all three companies : XXXX XXXX Exprience. XXXX XXXX. Please. The questions that was ask I answer then correctly .And my address has not change.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (AZ)

I.Q. Data international inc. had 2 judgements against me with 2 different case numbers pertaining my old apartment. I have paid them and the sent me a receipt indicating XXXX dollars are owed and they will only remove 1 of the 2 judgements they hold against me. When I call them they say I have to continue disputing it.
Consumer complaint received 2020-03-07
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. (NJ)

I have an account on my credit report named XXXX XXXX XXXX and for more than six months allready Im disputing this account on XXXX, XXXX and Experian. I am requesting true these three agencies that XXXX XXXX XXXX provide Signed contract or agreement between me and them, also I requesting documents that shows that XXXX XXXX XXXX had any right or my consent to sell this account to another company ( in this case to XXXX XXXX XXXX ) and provide them all my confidential information as Social Security Number, name, birthday, adress etc etc. TILL THE MOMENT XXXX, EXPERIAN AND XXXX HAS NOT PROVIDE ME WITH ANY VALID DOCUMENT OF MY REQUEST AND CLAIMS THAT THIS ACCOUNT MEET THE FDCPA RULES
Consumer complaint received 2020-03-07
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: CB1, Inc. (MT)

This collection agency is reporting bad debt on my credit reports. Cbb collections XXXX XXXX XXXX XXXX XXXX XXXX  MT ( XXXX ) XXXX. XX/XX/XXXX {$190.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$92.00}. the company refuses to provide documents or proof. They only say pay it. It is not my bill and if and or it is somehow they have divided it into 4 different claims to intimidate me to just give th money I didn't my have.
Consumer complaint received 2020-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (AR)

I have been paying on a credit card debt for over a year and to my knowledge the debt has been paid off but the company keeps taking money out of my account. I have been unsuccessful to contact anyone at this company to discuss this matter. This seems like a scam.
Consumer complaint received 2023-01-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I provided a police report and identity theft report with supporting documents to remove a fraudulent account off my credit report and for XXXX XXXX to close this account due to it being fraudulent identity theft account. Instead of closing the account XXXX XXXX used my supporting documents information to up date their information on a fraudulent account and listed the fraudulent identity theft account with My information that I provided them as a prove of identify for the dispute of the identity theft account. They have used the documentation that provided to them through CFPB website for the sole purpose of disputing the identity theft fraudulent account by fraudulently updating such account with my actual information and my correct address instead of the address that was used to commit identity theft fraudulent accounts that they reported to my Credit report. By doing such action they have violated and breached a dozen of federal regulations for consumer credit protection and consumer rights. 
I demand an immediate block of this account reporting.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

Chase bank closed my account with out my knowledge. I have never have a negative balance or over withdrawn since I had chase bank! Called to ask why and to dispute their action and they would give me no reason! Now I have to wait 10 business days for a check to be mailed and all my accounts with my bank info have to be changed! Im furious!!!!
Consumer complaint received 2022-11-12
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. (CA)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MN)

I made purchases for Mn XXXX XXXX Tickets on the XX/XX/XXXX and XX/XX/XXXX. The total of these purchases was {$3100.00}. 
Per the terms I should earn 2 points per {$1.00} on XXXX and Team Purchases. This is eligble on XXXX Tickets. 
Per the terms I should get 0 % APR for 6 months on my XXXX Ticket purchases from any participating XXXX team ticket office. 
When purchasing MN XXXX tickets this is the site ( XXXX ) that the team uses. Ive had this issue in the past and every time have to file a complaint or try get in touch with someone else to remove the finance charges on my account and get my double rewards. Its getting very frustrating. 

Id like assistance removing the finance charges from my account, and awarding me the double points on my account. 

I did write to the company they opened up a case for me XXXX but Ive gotten a denial letter in the mail. 

Ironically my brother ( XXXX XXXX ) has a this same XXXX XXXX Reward XXXX visa card. Did a complaint as well through their company ... And they APPROVED his! But not mine ; )
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (OH)

This debt collector has not been in compliance with the air debt collection practices act, fair credit reporting act, and Gramm Leach Bliley Act. I have disputed this alleged debt that was unlawfully transferred to this company 's office with out my consent resulting in aggravated identity theft. This company has not provided proof that their is any trilateral agreement in place that I consent to that gives them the authority to collect on this alleged debt. Further more this company has been harassing 's me causing financial injury to me, damaging my character by placing this alleged debt on my consumer report and causing mental damage to me the consumer in fact.
Consumer complaint received 2022-11-12
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX