davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (ID)

Credit Protection Association in Texas ( XXXX XXXX XXXX, XXXX, TX XXXX ) has created a collections against me for services I have not used or subscribed for a company called XXXX XXXX. I contacted XXXX XXXX and they have no record of my information nor an account with them.
Consumer complaint received 2018-03-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

I signed up for automatic payments at the inception of my loan. Records show I enrolled XX/XX/XXXX. In XXXX, an auto payment did not process, and I had a late payment that I manually processed. Each month, I go to the servicer 's website a couple days before the XXXX to see that it's set to take the automatic payment. This month, I went to the website on XX/XX/XXXX, and it said the next payment was scheduled for XXXX, and the previous payment was XXXX. There was no record of a payment that would process or that was in process for XXXX. On XXXX, I checked my bank account, and no payment was processing for my mortgage. The servicer 's site still did not show any payment scheduled or processing for XXXX. I made the payment manually on XXXX so my payment would be on time. Now on XX/XX/XXXX, an automatic payment is processing in my bank account, and the servicer 's site shows two payments received on XXXX. To compound the issue, both payments on XXXX are being applied to principle, interest and impounds ; however, the terms of the Deed of Trust require the additional payment be applied to principle due since interest and impounds were already paid with the first payment. When I contacted the servicer, they said they wouldn't allocate the payment differently. They invited me to send documentation to a fax number to request payment reimbursement, and indicated it will take XXXX weeks before I have my money back, after I send in the information. I tried to unenroll in the voluntary automatic payments, and there is no option to stop the automatic payments from the website.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank is reporting a credit card on my credit reports with a past due amount of {$1800.00}. This account is not my account. I was also told that this account has a social security number that does not match my last four digits of my social security number. Capital One and the credit bureau need to verify this information. I am also attaching an ID theft Report. I was also a victim of the XXXX  breach.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I notified this company via fax to XXXX in writing that I reviewed the terms and conditions of this credit card. After review of the fee 's I informed them I did not want this new card. I instructed them to close this account. The account is now being reported as late to the credit bureau causing damage to my score. If this account is not removed from my reports I will take any and all legal action necessary.
Consumer complaint received 2019-12-18
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

i was issued a credit card from my work in 2014 during my short time of employment, I was only an authorized user on the account it was not opened by me. The company was having financial issues so i left the job. 

i applied for credit few years ago and find out i have delinquency on my credit report, i checked my credit report with all 3 credit agencies and find out only XXXX  is showing a credit card from Fifth Third bank with status Charge Off at first i thought it was identity theft since i never opened up any credit card with fifth third bank but then after some time a bell rang and i recalled the card which was given to me as an authorized user. 
In past 3 years i have filed multiple disputes with XXXX  to remove this information from my report and it has been denied by XXXX  they keep telling me information is correct i had the card and Fifth Third bank won't allow it to be removed I called multiple departments with Fifth Third back with no luck getting this resolved on my own. 
I am very frustrated at this point and not sure where to seek help as the credit agency nor Fifth Third bank is willing to rectify the issue I was only an authorized user on the card and was responsible for any liabilities. 

Please advice. 
Thank You Best Regards, XXXX XXXX
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CO)

MOHELA is mishandling the PSLF program and it is now hindering my loan forgiveness timeline. I am enrolled in the PSLF program. I should be at 120 eligible payments as of this month ( XX/XX/XXXX ). Inexplicably, XXXX is showing up as ineligible toward PSLF due to forbearance, despite the fact that 1. I did not request forbearance and 2. the information provided by MOHELA states that the months of XXXX, XXXX, and XXXX of XXXX will count toward payments counts under the PSLF program. As it stands right now, I will need to submit at least one more payment ( XXXX ), if not more, as well as another Employment Certification Form after I make the XXXX payment, despite the fact that I already completed one after my XXXX payment since that is when my loans should have been eligible for forgiveness. I am also due a refund for my XXXX payment since the account was put into forbearance after I had made that payment. Any time I call customer service the rep is friendly but unable to provide any relevant information such as why this is happening or when it will be taken care of.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

As of XX/XX/2023 the XXXX XXXX XXXX XXXX XXXX has been satisfied and is not a collection item. This can be verified via XXXX XXXX.
Consumer complaint received 2023-01-22
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. (PA)

I have an account on my credit report that does not belong to me. this account is identity theft. the account was opened on XX/XX/2022 for the amount of {$2300.00}.
Consumer complaint received 2022-01-03
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I provided information to XXXX and Experian from the XXXX XXXX  court of Michigan. Which read as follows we do not report any information to credit bureaus. I sent all proofs they refuse to remove. No 3rd party reports allowed on credit report.
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.
Consumer complaint received 2021-06-04
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: CITIBANK, N.A. (NY)

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BEST BUY/CBNA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft MACYSDSNB  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2019-12-18
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. (SC)

XXXX XXXX XXXX keeps reporting incorrect dates of reporting with Equifax, XXXX, and XXXX  which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX XXXX XXXX fraudulent activity. 

I have disputed the dates that XXXX  XXXX XXXX has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. XXXX  XXXX XXXX is using fraudulent activity which unlawful per the Fair Credit Reporting Act.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX  XXXX XXXX keeps reporting incorrect dates of reporting with XXXX, Transunion, and XXXX  which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX XXXX XXXX fraudulent activity. 

I have disputed the dates that XXXX  XXXX XXXX has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. XXXX  XXXX XXXX is using fraudulent activity which unlawful per the Fair Credit Reporting Act.
Consumer complaint received 2019-08-08
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: AES/PHEAA (FL)

I have a loan with FED LOAN SERV. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and FED LOAN SERV with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2019, I received ONE free yearly credit report via Transunion website. The page automatically refreshed, which required me to purchase a ONE TIME credit report for {$9.00}. After careful inspection, and agreeing to a ONE TIME charge of {$9.00}, I agree and went through with the purchase. 

One month later, I received an unauthorized {$19.00} fee for their subscription service that I, in no way, shape, or form, agreed to or signed up for. I attempted to cancel my subscription, but they do not have any way to cancel the charges on their website : https : //membership.tui.transunion.com The {$19.00} fee incurred between paychecks, causing an account overdraft with XXXX XXXX  , which incurred a {$35.00} overdraft fee.
Consumer complaint received 2022-01-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (ME)

Good Day, Citibank / Home Depot account XXXX Starting in XX/XX/2019 we have had issues with Citibank Home Depot Consumer credit services teams. I have had over 6 phone troubleshooting, supervisor escalations, and efforts with both Citi and Home Depot IT teams in efforts to " fix '' their problem. The payment situation was concerning promotional balances and payments not applied properly causing delinquent situation when payments were indeed made in plenty of time, AND requested ( on phone with a supervisor ) to be applied properly to avoid deferred interest charges. 
It is now XX/XX/XXXX and again I am now blocked from access to my account online, the customer service professional this morning was not able to get a supervisor, as they are not on duty during all the available customer access hours on phone! 
I am reporting https : //citiretailservices.citibankonline.com, homedepot.com/mycard, which is the collective of both corporations credit services teams for inability to allow continued access to my credit card account, to make timely payments to my account, and to get service on my issue. 
XX/XX/XXXX was hung up on by XXXX from Citibank XX/XX/XXXX XXXX able to assist in effort to resolve access issue, access restored XX/XX/2019 ( XXXX/XXXX-Supervisor ) Statement incorrect, shows delinquency and interest charges when payments were made from online access restored on earlier calls. Made payment XXXX only available option is by phone at this time ). 
XX/XX/2019 XXXX XXXX ) Assisted by getting Supervisor to remove me from review list ( outsourced credit card disputes ) and indicated my account was being addressed at that time to avoid further delay as I had waited the 2 billing cycles to see adjustment for interest charges. Again making Payment by phone as access is not restored to account via online. 
XX/XX/2019 received email indicating there was important message for me to read about my Home Depot Credit Card. AND, access is blocked once again, message to update profile, will not accept email provided. Called and spoke to XXXX at Citibank, unable to resolve, nor was able to escalate due to supervisor unavailable. 
At this time I am not able to access my account, and only can make a payment using a telephone. With history of incorrect applications of payment, I fear another situation where I get charged interest I should not be, and not able to SEE transactions on account. 
Message for those reading this complaint, DO NOT GET A HOME DEPOT CREDIT CARD, use another bank card that offers promotional balance offers instead! 
Please investigate this credit card group for inability to provide services to their customers and charging interest on purchases that have been paid in full. They are in breach of contract made when I purchased products.
Consumer complaint received 2023-01-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX  ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Consumer complaint received 2019-12-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Performant Financial Corporation (IN)

I received a letter from my bank stating they received a court document stating that a levy by Premiere Credit of North America LLC for state taxes ( Indiana ) be placed on all accounts with my name on them. What was attached was not a court document. I contacted my bank for the document that could not be produced. I contacted Premiere Credit of North America LLC and I have not been able to reach anyone at anytime of the day. I have left several messages with no replies. Premiere Credit of North America LLC have violated my HIPAA rights in the this matter.
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Ive disputed this debt numerous times with the three major credit bureaus, I HAVE ASKED THIS COMPANY NUMEROUS TIMES FOR THE CONTRACT IVE SIGNED WITH THEM, THEY HAVE FAILED TO PROVIDE, THEY WILL NEVER BE ABLE TO PROVIDE IT BECAUSE I NEVER SIGNED A CONTRACT WITH THIS COMPANY, THEY NEED TO REMOVE IT FROM MY CREDIT IMMEDIATELY BEFORE I TAKE LEGAL ACTION TO GET THIS RESOLVED. They also continue to send me statements that they ahbe printed off from god knows where with my NAME ON IT AND THE WRONG ADDRESS.
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 (UT)

My student loans originated with XXXX  in XXXX and XXXX. 

I began working for the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX which was the beginning of my public service that I have maintained. 

I qualified for the loan forgiveness and my XXXX accounts were transferred to XXXX in XXXX of XXXX. 

When the student loan forgiveness was blocked I re-engaged on my loan repayment and applied for an Income Driven Repayment Plan and received confirmation from adivantage that my monthly payment amount was {$0.00} beginning XX/XX/XXXX. 

My XXXX loans were transferred to Mohela. I created my account with Mohela on their website after receiving emails in XX/XX/XXXX that I missed a payment. 

When I logged into the account I saw they were attempting to collect payments. I called customer service and asked how they are doing so when I have confirmation of my repayment being {$0.00} a month. I was informed by a Mohela agent that I didn't provide income information that they requested, but I had no record of them making requests. 

I provided the date and information on my REPAYE plan, and uploaded the document to Mohela 's site on XX/XX/XXXX. 

Mohela then changed their online platform to another version. 

No one at Mohela has reviewed the confirmation or reached out. I contacted Mohela two additional times today, XX/XX/XXXX. I was told my confirmation letter was located, and that I should not be reporting in a deliquency status. I was told it required escalation and another representative to correct. They would not schedule a call back time for me, but assured me I could call back to follow. 

I called back later on and the representative had trouble understanding the follow up I was seeking, could not see my confirmation letter, and transferred me to a representative that could. That representative then said she was transferring me to a supervisor who could complete my request. The call was then transferred to an automatic call back request line, and no call back has been received yet.