davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

On XX/XX/XXXX I contacted Mohela because my IDR recertification date was not pushed back by one year per the U.S. Dept of Education. My IDR recertification date states XX/XX/XXXX. The rep I spoke to agreed that it should be pushed back by a year and said that she put in a request and that it would be updated within 3-5 business days. She stated that my payments would remain {$0.00}. I then received a bill from Mohela for {$500.00}. I called Mohela on XX/XX/XXXX and spoke to multiple individuals, rep, team lead and supervisor. They are stating that I was due to recertify my IDR plan by XX/XX/XXXX. That date has passed and they have increased my payments to the standard payment because I did not recertify by that day. According to the Department of Education, if your IDR recertification falls between the payment pause end date ( XX/XX/XXXX ) and XX/XX/XXXX your recertification date will be pushed out a year. My recertification date on Mohela 's website shows XX/XX/XXXX and on studentaid.gov it shows XX/XX/XXXX. Given these dates, according to the Department of Education my new recertification date should be pushed out to XX/XX/XXXX. Mohela said that is not correct and my anniversary date is XX/XX/XXXX. My payments went from {$0.00} based on my most recent IDR application but Mohela is now stating that my monthly payments are {$500.00}. My payments should remain {$0.00} since I should not be required to submit an IDR recertification until XX/XX/XXXX.
Consumer complaint received 2021-09-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (CO)

My car was totaled out on XX/XX/XXXX my insurance had the total loss settlement done by the XXXX the same day my self and insurance company called Bridgecrest letting them know to send a title with XXXX name on it I order for a check to be sent. Everyday I called asking had it been done and it didn't. Finally on XX/XX/XXXX I made a conference call with insurance and they said they requested it as of that day. I'm not sure why it took 13 days to do so. Now I am two months down the line and still waiting on this issue to be resolved. There total loss department does not have contact information for the public. I get the run around from there employees. Today XX/XX/XXXX I called and they can not locate the check my insurance sent over. I'm still responsible for the car. I have to keep continuing to pay {$240.00} every two weeks. They have been prolonging this issue changing and adding to my pay off amount having the interest go up on this car loan. Resulting in me not being able to get another car. No supervisor is ever available to speak with. I have maxed out all my efforts with this company with trying to have this issue resolved in a timely manner. I have phone logs and recorded conversations with this company for proof.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-01-05
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. (NY)

I am disturbed that you continue to list the dismissed bankruptcies as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2020-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

i sent a letter to this company about multiple unverifiable and inaccurate information on my credit report over 60 days ago. i have not received anything back yet. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.
Consumer complaint received 2021-09-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I XXXX XXXX at this current moment is submitting a complaint that i currently have Credit Acceptance reporting on my consumer report of an alleged debt they claim i owe an amount of {$13000.00}. I do not owe this debt and i will not entertain with paying this debt. Please be advised that Credit Acceptance is in violation of the FDCPA 15 USC 1681b ( 2 ) which clearly states that no debt collector shall not state that such consumer owes any debt in which they are currently violating. The account information that Credit Acceptance is currently reporting to the consumer reporting agency is false and misleading and is in violation of the FDCPA 15 USC 1692e. I have sent a letter to credit acceptance regarding the alleged debt they claim i owe and i demanded validation of debt they claim i owe in which they have failed to provide which is a violation of the FDCPA 15 USC 1692g and Credit Acceptance sent a letter back stating that my request/demand is frivolous in which i find to be very disrespectful towards my rights as consumer. Credit Acceptance is civilly liable {$1000.00} per violation for the damages they have caused and not complying with the demands that has be requested that they have failed to comply with 15 USC 1692k ( a ) ( 1 ). Please be advised that Credit Acceptance has also committed several violations and my right to privacy 15 USC 6801 ( a ) and violated 15 USC 6802 ( e ) ( 2 ). Credit Acceptance did not have written instruction to furnish this information and has also committed a violation of 15 USC 6802 ( 6 ) ( a ). I demand that this account be removed from my consumer report immediately as Credit Acceptance has committed many violations of my consumer rights under the FDCPA. Credit Acceptance shall not assume people do not no their rights as a consumer against the illegal activity thats being committed here.
Consumer complaint received 2021-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-09-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc. (AR)

During an " owners workshop '' meeting at a XXXX XXXX in XXXX XXXX, NV, the XXXX sales person opened a Comenity Vacation club credit account in my name without prior discussion or approval. We were unaware of this until after returning home and receiving the bill for {$30000.00} in the mail. Upon calling, I was told that I was past the 10 day limit to recent this purchase. I had struggled for over a year to pay the $ XXXX monthly payment. The card also came with a 20 % interest rate. I was finally able to get Comenity to place me on a hardship program due to loosing my job during the pandemic, which lowered my payments to $ XXXX monthly and 0 interest for 5 years. After many failed attempts ( and over {$20000.00} gone from my savings ) to get XXXX to cancel this membership, I formally began a dispute process with both XXXX and Comenity. I received a letter from Comenity stating that I have successfully completed the special Vacation club credit long term program and my account would remain permanently closed and reflected as paid in full on my credit report. I also received two bills showing a balance of - {$8000.00}. When I called Comenity to inquire about a refund of the balance shown, I was told that the letter w as sent by mistake and that I have a balance of {$21000.00} to be paid on the account. I am still on formal dispute with XXXX for their deceptive, fraudulent, and aggressive sales tactics.
Consumer complaint received 2021-01-05
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: Receivables Management Partners, LLC (IL)

On XXXX XXXX a derogatory mark was added on my credit report per XXXX XXXX from RMP SRVC LLC and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

I contacted RMP SRVC LLC on XXXX XXXX and the account was not removed however it was only updated.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( CHRYSLER CAPITAL- XXXX ). Because of the following information by your company and XXXX, XXXX, and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX This account is not accurate. This account show an inaccurate date of being reported as well as the date the account was opened is also wrong.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consolidated Recovery Group, LLC (FL)

I had a merchant account with XXXX  XXXX, the customer requested refund and the money was deducted from my bank and account and refunded to the customer, I have the bank statement to prove this when i contacted XXXX  they told me they sold this debut to a collection agency consolidated recovery GRP, I have contacted you guys about this before and it was remove from all the 3 credit burau, now this company CONSOLIDATED RCVY GRP ACCOUNT XXXX PLACE IT BACK ON MY XXXX  ACCOUNT i contacted them and have also send them copy of my bank statement and they have not respond to me, that about 30days ago, i also contact XXXX  XXXX and send them a copy of my bank statement and pointed out that this was already remove from XXXX before also and they also did nothing I DO NOT KNOW WHAT TO DO NOW PLEASE HELP
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (FL)

On XX/XX/XXXX, I used XXXX to transfer XXXX dollars from my US account to my account in The XXXX ( XXXX ). Because there was a lack of funds in my US account, there was a chargeback that occurred after the transfer was completed. This left me owing XXXX XXXX dollars but I did not notice it. 

On XXXX, I noticed the amount owed from the transfer and contacted XXXX 's customer service line. The agent explained to me the situation. I asked if I could use my XXXX account to pay the XXXX dollars in Eur. The agent told me that this was not possible. I explained that I had to move a large amount of money from my XXXX account to my US account to service a US-based debt, with a payment date of XXXX, not related to this transaction. I asked the agent if I could transfer XXXX Eur from my XXXX account to my US account using their service then pay them in dollars. She stated that this would be an acceptable way of paying. I initiated the transfer on XXXX. 

I was then contacted by their debt collections team on XXXX stating that the transfer had been placed on hold due to the outstanding debt that I owed them. I attempted to contact their team via their customer service chat. Each day I was told that they could not contact the team directly and I had to wait for them to process my complaint. On XX/XX/XXXX I was contacted via email from their debt department stating they could take the XXXX dollars in equivalent Eur from the transfer. I contacted their customer service team stating that this was fine however I needed the transfer expedited as I was already past due on my US-based loan. I did not hear from them until XX/XX/XXXX stating that I needed to create an additional transfer request in the amount of XXXX Eur. on XX/XX/XXXX I contacted the customer support team as I was going to be charged an additional XXXX Eur in transfer fees from doing it this way. The agent stonewalled me and stated that they didn't have any answers for me. I requested to speak with a higher-up customer support manager but was denied. 

I understand that the original issue was because of me. However, due to XXXX XXXX customer service agent 's incorrect information, this transfer was placed on hold and I am now overdue on my loan. I have incurred additional financial harm via late fees and now an additional XXXX Eur in additional transfer fees due to their customer service agent 's incorrect information.
Consumer complaint received 2021-01-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a dispute with Bank of America on a transaction I was forced to take with a home appraisal and wasnt given any time to check the work only to find out nothing was done. The Bank of America took a statement from the appraisal that had nothing to do with the transaction and closed the dispute. No reasonable investigation occurred. The transaction was to force the seller to fix the sink ( no leaks or functional issues were present before or after ) then charge me for reinspection. Come to find out they charge me XXXX and nothing was fixed. Not a quality issues. Services were never rendered. When asked to reopened the investigation, they said they would but never did. When I told them I had proof nothing was fixed they said they wont receive it.
Consumer complaint received 2023-03-06
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. (TX)

This is my multiple request 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (GA)

I have been in contact with Medical Data Systems ( collection company for XXXX XXXX in XXXX GA XXXX on several occasions about them incorrectly reporting {$150.00} to the credit bureaus, and they do not rectify the issue. I also have contacted the credit bureaus, however, this company continues to erroneously report/add this account on my credit report. The amount of {$150.00} was covered ( in a contractual rate amount XXXX by my health insurance, however, Medial Data System does not remove the debt from my credit report ( s ). XXXX  removed it when I first appealed, but when I appealed with the other credit company 's, and Medical Data system did not correct the account info, XXXX  re-added it to my report. This company and the hospital do not reply to my many requests and I have faxed proof of my insurance payment. They are negligent to fair credit act responsibilities. I feel like there is no one to help consumers from this company.
Consumer complaint received 2021-09-16
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: AMERICAN EXPRESS COMPANY (NY)

We booked a trip through XXXX which was cancelled do to the pandemic. We have an email of cancellation. We never received refund and after repeated calls were told by XXXX verbally, that any trip plan that was cancelled will receive credit to use toward another trip when XXXX border re-opens ( as we were flying out of XXXX ). When the XXXX border finally opened, a few weeks ago our credit was already expired. I contacted XXXX  and American Express which we used to purchase trip, and have been given the run around. Please help, Thank you.
Consumer complaint received 2021-01-05
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. (IL)

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX XXXX, Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 I contacted Citibank to make a payment in full on my XXXX statement. Due to credits I was told by the representative on the phone that I only had to pay {$6300.00} to avoid any interest. 

So I paid that amount, however, I inadvertently paid from my personal checking account XXXX when I meant to pay from my business checking account XXXX. I discovered the error within 24 hours and immediately on the next day, XX/XX/2021, I contacted Citibank and paid from my business checking account ending in XXXX. I asked Citibank to refund the initial {$6300.00} to my personal account ending in XXXX. The representative told me that I would receive a refund within 10-14 days. I asked the representative why they can take my money within a matter of seconds when I pay them but when they reimbursed me for my error it would take 10-14 days. 

Like the big bully these banks are, they told me that is their policy as they had to investigate. Seems odd that they dont have to investigate when I pay them but they have to investigate when they refund my money. Very typical of a one-way street. I am very upset at Citibank as I find this to be very crooked and not a very honorable way to do business. Especially when I have been a very good paying customer with a history of paying on time in full every month. 

I have supporting documents to go with this complaint that show when I paid them on time, twice, once through my personal and once through my business. I also have supporting documents that show the dates that these were paid as well as the fact that they will charge me 15.24 % if I dont pay them in full. Due to the delay because of their bullish ridiculous policy, I expect them to pay me my {$6300.00} immediately plus interest at 15.24 % which comes to {$96.00} plus a late fee of {$40.00} since at the time of this writing they are past the 14 days they promised to reimburse me which is unacceptable to me in the first place. I expect to be paid within seconds just like I pay them within seconds. 

The total reimbursement after interest and late fees come to {$6400.00}.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020, I submitted request as permitted under FCRA Sect 609 for the source of information used to report the following account : XXXX/XXXX partial acct # XXXX. 

Requested that Transunion, the CRA, to provide me with information within 30 days or permanently delete account from my file, as permitted under FCRA. Transunion did not properly investigate. They did not provide me with information that I am entitled to, thereby denying me my right under FCRA Sect 609. 

Transunion, sent updated credit report with the same information, without the information requested.