davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Activehours (IL)

I have been given continuous misinformation by managers over hours and hours of ridiculous chat conversations. I was clearly told by a manager in XXXX that I needed one direct deposit of a certain amount for the team to verbally confirm my details and activate my account. I told them I would not receive this until XXXX. Fast forward to XXXX, I am now being told this is not enough, per chat XXXX, and that I need a pay stub, of which my employer is taking time to provide. EarnIn, simply verify my account, honor what I was told multiple times including on XX/XX/XXXX, and simply activate my account. You verbally confirm paycheck details all the time. Treat customers consistently and please properly train nearly every member of your team. 

Per your latest message to which I have not received a response, please see the below specifics : 1. As mentioned, I have asked specifically where these requirements are mentioned in your policies. 2. I'm aware of what a previous " community advocate '' stated, which is what caused this complaint. You had multiple supervisors directly and confidently state multiple times ( even when I directly asked that they fully confirm ) that I needed to meet certain terms. It took time to meet these terms, and that is why I spent nearly 6 hours on
chat with your team fully confirming the terms before I met them. Once these terms were met, your team then does a rug pull, refuses to honor terms clearly mentioned by multiple agents at the highest level, and then clearly does not take concerns with misinformation, mishandling of extensive chats, etc. seriously via this complaint. EarnIn is brushing over my concerns, not taking responsibility, and not pointing out where these terms are mentioned. Clearly this is causing not only confusion for me, but for your own poorly trained team.
Consumer complaint received 2023-06-23
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: AMERICAN EXPRESS COMPANY (LA)

XXXX XXXX XXXX Disputed XX/XX/2023 XXXX XXXX said it's verified. By their own information they are a buyer o the debt. So therefore I don't owe XXXX. The original creditor is XXXX XXXX.
Consumer complaint received 2021-01-14
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. (MI)

Checking my report today and I noticed some inquiries that Im not aware of XXXX  Card XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XX/XX/2020 XXXX  Anything reporting inaccurate on my report that has nothing to back it up should be removed immediately because of the fair credit reporting act.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I have notified XXXX continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from XXXX & creditors stating the information on my report is accurate when it is not. The fraudulent items are : XXXX- {$450.00} XXXX- {$690.00} Fair Collections & O {$1100.00} Fair Collections & O {$650.00} I submitted legal documents to XXXX XXXX XXXX XXXX on XX/XX/XXXX & XXXX with things that are fraudulent - XXXX Data Breach I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit - XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to XXXX on XX/XX/XXXX, via postal service PS FORM 3811 -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt I saw more information after XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX and was faxed to the number the XXXX Fraud Specialist suggested I was federally awarded the settlement of my claim of fraudulent information on my credit report from the XXXX Data Breach on XX/XX/XXXX I faxed the award letter and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, social security number XXXX XXXX pages at the XXXX XXXX
Consumer complaint received 2019-12-04
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: Experian Information Solutions Inc. (DC)

Experian emailed me notifying of a change of email. I tried to log in to my account and was locked out. The fraudulent email address now has access to my account. I contacted Experian and was not able to speak to a rep to clear this information.
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Checking my report today and I noticed some inquiries that Im not aware of XXXX  Card XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 TransUnion XXXX XXXX  XXXX XX/XX/2020 XXXX  Anything reporting inaccurate on my report that has nothing to back it up should be removed immediately because of the fair credit reporting act.
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (FL)

I am XXXX years old and I am an XXXX  child of the State of Florida. I was therefore given medical insurance through the Department of Children and Families and Medicaid once I reached the age of XXXX in XXXX. My plan is XXXX. 
On XX/XX/XXXX, I received a letter from debt collectors stating I owed {$1100.00} to a local hospital. The service date was XX/XX/XXXX. I was not asked for insurance information from this local hospital and I was confident they already held my insurance information in my files. 
As of XX/XX/XXXX, this is the first announcement of any wrongful debt I am owed.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (NJ)

Today XX/XX/21 I received a letter from Convergent, creditor XXXX XXXX, XXXX to which it says the original creditor is XXXX  to which I never even have any business or accounts with them to which I'm reading is {$6700.00}. None of this is on any of my credit reports or has it ever been. I want the following documents mailed to my home : Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2021-01-15
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. (PA)

I have 2 prior complaints that were closed by Experian and XXXX, # XXXX and XXXX without resolving the issue. Experian is claiming that they verified XXXX XXXX XXXX XXXX as part of a Chapter XXXX Bankruptcy. XXXX has verified that the same account as being paid off used to be charged off. I have provided credit reports with inaccurate information and Experian and XXXX have failed to delete this item. Also, they failed to remove it as so-called verified Bankruptcy with no delinquent accounts attaches to it. What did I file bankruptcy for if there are no accounts to be discharged? I'm providing proof that XXXX has verified the XXXX XXXX XXXX XXXX account as paid/charge off not a part of Chapter XXXX Bankruptcy. I am also providing proof that XXXX has deleted the inaccurate/incomplete Bankruptcy from my credit report to reflect accurate information. Experian and XXXX have a duty to report accurate, complete, and verified information under the FCRA. Please refer to the complaints listed above for previous proof of my complaint. Experian and XXXX keep sending papers stated I should write a 100-word statement. I have done that several times and keep getting these automated responses. This is unacceptable at this point.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP (NY)

When i worked for XXXX XXXX, CFPB compelled us to refund all paper statement fees. I just noticed that KeyBank is  charging me a {$3.00} per month paper statement fee on my Health Savings Account/ HSA debit card account. Is that allowed?
Consumer complaint received 2021-01-15
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)

Today XX/XX/2021 i pulled my credit thru XXXX and seen 2 accounts that are not familiar to my credit report. i have never open these two accounts so i have filed a identity theft report with the federal trade commission. i do not know the dates to when these accounts were open but the information is listed in the report i filed. please see attached FTC report.
Consumer complaint received 2021-01-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DE)

On XXXX, I lost my job due to COVID-19, Called my mortgage service provider, PHH Mortgage Services, and asked for forbearance and was granted it, on XXXX, I called PHH Mortgage Services and let it know that I was ready to make normal regular monthly payments, asked for a " Loan Modification '' based on the " CARES Act '', in which, I asked the mortgage company to put the deferred amount to end of my loan based on the " FHA COVID-19 National Emergency Standalone Partial Claim, '' instead the company mailed me an application, in which it started a lengthy process by asking me for many documents as proof, never modified the loan, extended the process from XX/XX/XXXX till today ( XXXX ), and lastly reported me to the credit bureau with negative report, including 120 days of late payments. All the mentioned above included many conversation back and forth with the company since XXXX. The company assigned me a Case Manager, named " XXXX XXXX '', who I could never speak to because she never is available and even me setting up appointment four times to speak directly to her via other Case Manager, she never had come to the phone, nor reply to my emails. PHH Mortgage Services has violated the COVID-19 CARES Act by failing to modify my home loan and by illegally reporting negative to the Credit bureau about my mortgage status. Please take a look at some proof that I have attached to support this complaint. Consumer must beware of this horrible mortgage company. " PHH Mortgage Services ( XXXX XXXX XXXX ) is violating the COVID-19 CARES Act. ''
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (GA)

XXXX XXXX is reporting a collection account as closed. This CRA continues to validate and allow this company to report this on my report. It is even showing past due. This account is inactive and closed and should be removed from my report. The CRAs and XXXX are violating the FCRA. Ive submitted an account summary with my disputes and each CRA is apparently using an e-Oscar system which is not correct. 

XXXX cant even validate the account. The attached letter shows they cant validate the account. I mailed the letter below on XX/XX/XXXX and emailed it on XX/XX/XXXX and I received the attached letter a few days later. 

To Whom It May Concern : I am XXXX XXXX and Im writing regarding the above referenced accounts and transactions. 

This vehicle was repossessed by XXXX XXXX in the State of Georgia on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. The first date of delinquency was XX/XX/XXXX. 

Under the laws of the State of Georgia Respective rights of buyer, seller, etc., following repossession of motor vehicle sold under a retail installment contract are covered under Georgia Law, specifically Code Section 10-1-36 of the Official Code of Georgia. UCC 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This was originally mailed on XX/XX/XXXX and I havent heard back from you. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (MA)

In 2017, I cancelled a gym membership with " XXXX XXXX ''. ( XXXX XXXX XXXX XXXX, XXXX, RI XXXX ) The terms of my agreement allowed me to cancel my membership if moving outside an area covered by an XXXX XXXX  franchise location. Two years after cancelling my membership, I'm receiving debt collection messages from TWO different debt collection firms. I responded to the first debt collection firm and they stated they would follow up with information validating the debt. They never did. I'm now receiving debt collection mail from another firm. ( More than one year later from my cancellation date ).
Consumer complaint received 2020-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MA)

On XX/XX/XXXX, I paid off the account in full to the original creditor. During this phone call, the original creditor informed me that they will close the account with the debt collection agency. 

On XX/XX/XXXX, I called the original creditor regarding the account closure because I will still seeing the debt on my credit report. During this phone call, they said they had emailed the supervisor of the collection agency on XX/XX/XXXX to close the account and that the collection account will be closed soon. 

On XX/XX/XXXX, I called the supervisor of the collection agency who informed me that he never received any communication from the original creditor regarding the closure of this account. He informed me that he needed a formal confirmation from the original creditor in order to close the account. I placed the supervisor of the collection agency on a 3-way phone call with the original creditor and myself. During this phone call, the supervisor told the original creditor that no communication has been received from the original creditor regarding this account while the original creditor claims she has submitted it. The supervisor of the collection agency explained the process by which the original creditor must take to close the account and both agreed to take the necessary measures to move forward in the closure of the account. 

On XX/XX/XXXX, I called the supervisor of the collection agency who informed me that he never received any communication from the original creditor regarding the closure of this account even after the phone call on XX/XX/XXXX. 

On XX/XX/XXXX, I called the original creditor and asked to be directed to the woman who handles account closure but got her voicemail twice. On the same day, I spoke to another representative of the original creditor who told me the account has been closed as the debt has been paid off. She further suggested that I just needed to call the collection agency and tell them that the debt has been paid off to close my account. I reminded her that I had done so and kept getting nowhere as the communication for closure needed to occur directly between the original creditor and the collection agency. 

Please help me resolve this situation. I paid off my medical debt and just want this off my credit report. I'm not sure how to resolve this situation where the debt has been paid off, but the collection agency refuses to remove the account until the original creditor close it, while the original creditor claims they already closed it.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation (TX)

I want the account removed from my reports at the XXXX credit agencies within XXXX hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. 

Account # XXXX
Consumer complaint received 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VT)

I applied for debt forgiveness under the XXXX. I applied in spring of XXXX during the temporary waiver period. I clearly meet all the required criteria for forgiveness of my student loan : I've been employed by the same public service agency since XXXX and made monthly, on-time payments to my lender for my loan for over 15 years at the time of application. This should have been approved about 18 months ago, however I'm still waiting. To make matters worse, the customer service at MOHELA is often unfamiliar with the temporary waiver program that I applied to, so I need to educate them regarding my application process. Each call results in the same vague response regarding the application being in process.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

After having funds deposited from NJ Unemployment, Charles Schwab froze my account. I now have no access to my brokerage account or my unemployment funds. The documents they had requested I already submitted. Currently feels like my unemployment funds have been stolen by Charles Schwab during these very trying times.
Consumer complaint received 2021-01-15
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX, Experian reporting false report stating that I had an XXXX XXXX open in XX/XX/XXXX. On XX/XX/XXXX the report stated the year was XXXX. Since, I moved back into my house in XXXX of XXXX, I have been with XXXX XXXX XXXX  which, the company can verify ph # XXXX. I have never been with XXXX XXXX and prior moving to my house after evicting the person living in my house.. which is in Court Records, I was living with my daughter on XXXX XXXX which, the IRS and even verify. XXXX XXXX is fabricating and never sent me any info to dispute and even XXXX  have taken this off their reporting but Experian has refused and has added more incorrect reporting.
Consumer complaint received 2021-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (IN)

I received a letter from GLA Collection Company dated XX/XX/2019 regarding a medical debt for {$42.00} that I did not owe. On XX/XX/2019 I contacted my doctor 's billing office and they confirmed I did not have an outstanding balance and that this was not a valid debt. They also stated that I was the 3rd person to call on this day that also received similar letters and that none of those were valid either and that GLA Collection Company made a mistake and sent these letters in error. I then mailed GLA a letter disputing the invalid debt along with this information and requested they cease communication with me ( Mailed on XX/XX/2019 & received by GLA on XX/XX/2019 ). 
2 years later, I receive an automated dialer call with a pre-recorded message on my cell phone from GLA. After several minutes I am connected to an agent asking me to pay on this same invalid debt. 
GLA Collection Company needs to correct their records on this invalid debt that they have refused to validate with my medical provider. They also need to stop calling me with an automated dialer with recorded messages as I have never given GLA permission to call my cell phone.