davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

I received a bill on XX/XX/21 by XXXX XXXX The law offices of Mitchell D. Bluhm & Associates , LLC Attorneys at law for the amount of {$770.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred. 
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 XXXX  for them to release my medical information to ANY 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. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

I will send a SECOND and last request for a VALID debt validation with the following.

1. ) provide breakdown of fees including any collection costs and medical charges.

2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies.

& 3. ) Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2022-05-19
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: Synovus Bank (FL)

I received an email from a credit card company named XXXX XXXX XXXX on XX/XX/2022 at XXXX. It asked me to open an attached PDF that had important info about a XXXX XXXX XXXX application that was submitted on XX/XX/2022. The email had my first and last name correct. I did not open the attachment. I started calling all 3 credit bureaus to place a freeze on my credit because I did not apply for this credit card. After signing up for XXXX ID Patrol... .I was able to look into my three reports where I found that a hard inquiry had been conducted on my credit report through XXXX XXXX : SYNOVUSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This was completed on XXXX. 
I called the phone number and a person named XXXX stated that they are not XXXX XXXX but are called XXXX XXXX and would not help me unless I provided my social security number or the credit card number. I was not willing to tell them my social security number and I did not open the attachment so I do not have an account number or the credit card number. This is a fraudulent application and credit inquiry that is on my credit report. I want it removed and want the credit not to be issued because I did not apply for a credit card. This is fraud.
Consumer complaint received 2021-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have no idea who or what this account is, I've never gotten any type of contact from them I only know because I've recently been checking my credit score more often. I've written and called them multiple times but I've never gotten a response.
Consumer complaint received 2021-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IN)

Please add this to complaint XXXX On XX/XX/XXXX, I spoke with XXXX XXXX XXXX Midfirst. She viewed my proof of occupancy ( electric bill ) and said she would contact XXXX property management group to change my locks back. I came home to the keys in the mailbox ( anybody could have walked in ) and the locks still not changed back. They still went on my property and winterized it on XX/XX/XXXX. They are purposely interfering with me selling my property and trying to steal it. 

I received a call from XXXX at a company called XXXX XXXX. They asked if they could come over, look at the house, and make a cash offer. I said sure, just go through my realtor. She said they only buy property from owner and do not buy property that is listed. My house has been listed since XXXX. The only way they got my contact information is from MidFirst or XXXX property management group selling my information. XXXX XXXX did not even know it was officially listed. More proof MidFirst and XXXX are trying to steal the house. 

Midfirst calls everyday and all that is needed for mortgage assistance is proof of purchase offer. We are actively trying to sell it. It's very harassing and I am not being given a fair chance to sell it for profit I deserve.
Consumer complaint received 2021-11-13
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: EQUIFAX, INC. (CA)

After ending my forbearance period I was placed on a three month trial loan modification program. I was to make three on-time payments in which I did starting in XX/XX/XXXX. 
After making XXXX XXXX and XXXX payments I was placed on the loan modification program. The mortgage company then took my XX/XX/XXXX payment and applied it to XX/XX/XXXX payment. I was on forbearance in XX/XX/XXXX. The Mortgage company has now stated that as of XX/XX/XXXX I am 30 days late and as of XX/XX/XXXX I am 60 days late on my Mortgage loan. I would like the XXXX and 60 day late reports to be deleted due to Covid-19. Until Covid-19 my mortgage payment was never been late for over 8 years. 
Thank you, XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I contacted a old friend for a loan to build a duplex at my house and they put a fake check in my account that I was not aware of and I thought it was real. Now my account is closed and the person does not answer after taking funds as well.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (AL)

I am filing this complaint against GENESIS FS CARD SERVICES, INC.. 

I have been corresponding with this company since XX/XX/2021. 
After numerous correspondence GENESIS FS CARD SERVICES, XXXX has closed my account which is an adverse action and a violation of 12 CFR 1026.13 ( d ) ( 3 ).

After careful study of Title 15 Chapter 41 I was appalled to find out that I had entered into a fraudulent agreement with XXXX XXXX XXXX which is serviced by GENESIS FS CARD SERVICES , INC . 

On XXXX XXXX I sent Notice to GENESIS FS CARD SERVICES, INC. by sending an Affidavit of Revocation of Signature, an Affidavit of Truth, a Cease and Desist, evidence proving the violations commited and a Bill of Particulars as an invoice ( which I have provided as Exhibits ). 
I stipulated that since I was misled by not having previous knowledge of what constitues a complete contract I asked the company to zero out the balance of the account, I asked them to keep my credit line open and pay the positive balance to me as well as the amount in my Bill of Particulars.

The company responded by putting my account in a dispute status where bill payment wasn't due ( which was proper ) and they sent me an Affidavit of Identity theft to send back to them.

When I received their correspondence I instead sent back a Notice of Billing Error and an Affidavit of Identity proving that I am a Natural Person. In the Billing Error I stipulated what documentary evidence is as defined in 15 USC 44. I asked them for clarification and to provide who funded this account as well as what is owed according to their journal and ledger entries. They received this notice on XX/XX/2021. 

XXXX XXXX XXXX XXXX, XXXX responded by removing all reporting from the credit agencies and they closed my account. 

This is an adverse action as codified in 12 CFR 1026.13 ( d ) ( 3 ).
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BMO Bank, N.A. (CT)

On Monday XX/XX/XXXX I noticed two fraudulent charges on my Diners Club account. Reported them and was told my account would be locked and a new card issued. Would have it by Wednesday or Thursday. It never arrived. When I called was told there was a delay in XXXX and that a manager would call me back. At the end of the day when I had not heard from the manager I called again. Was told I should track the cardthough no one had given me a tracking number. I was then supplied with that and when I contacted XXXX  they saidyes, a label was created but that Diners Club had never shipped anything. I called Diners Club again on Friday the XXXX and was told so sorry your card was never made but was going to be made on Friday and the a manager would call back with XXXX info. No call. Called Saturday morning, no card has been made, no explanation, a manager will call when they have some. Asked to speak to the manager and was denied. Tried to get online into my account only to find that I am now locked out of it. I have been on hold for over an hour now. I have been a member since 1999. Always pay in full. This is shameful.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Loan with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Charge account with account XXXX XXXX opened on XXXX/XXXX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Total Card, Inc. (LA)

I had a dispute sent in with Total Visa XX/XX/2021 and also in XX/XX/2021 while in dispute of billing errors total Visa closed and restricted access to my account this is a violation of 15 USC 1666 ( d ) they can not close or restrict my account while in dispute and 15 USC 1666 ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error- Pursuant to regulations of the Bureau , a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. 


And for correspondening action to this violation 15 USC 1666 ( e ) states- Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
Consumer complaint received 2019-11-21
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. (WI)

When trying to access my credit information from Equifax, I am asked to verify my account by supplying information about auto loan and retail credit cards. I do not have an auto loan or retail credit card. The item about bank credit card did not include any information that matches my own bank credit card. 

It appears that Equifax has my information mixed up with someone else 's. 

I have tried to access this info twice from Equifax, once on XXXX XXXX and today, XXXX XXXX. I attempted to submit a complaint to CFPB on XXXX XXXX and got a complaint ID number, XXXX. However, when I tried to print the complaint, I got an error message so I think it may not have gone through.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NC)

The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount. XXXX, XXXX nor XXXX is suppose to have this information. I did not consent, I do not consent. and the Privacy Act of 1974 Covers this non public information as well from be given to 3rd parties and or non affiliates.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. (NC)

Hello, My name is XXXX XXXX! I am writing yet again with another complaint against this Fraudulent company. I applied for a card at the end of XX/XX/2021. I was approved for an account and told that a new card would be mailed out. At the end of XXXX after not receiving the card, I started receiving notices about an Annual fee being charged, although I had not yet received the card or activated the card. 
I called their overseas customer service department and was told that a replacement card would be sent out. 
It is now XX/XX/2021, almost one and a half months since the opening of the account- without a card in hand. And I have a fee that is due as of XX/XX/2021. 
I have verified my address and have had no mailed delivery issues since the opening of the account. 
I receive daily mail notifications from the USPS via email, which identifies the day 's mail that will be arriving - every day. And so far there has not been one piece of scanned mail through the postal system from Avant! 
This is unacceptable. 

Customer service has yet again told me that since I have not received the card or activated it that I would not be responsible for the annual fee. We know that is a lie because the due date has not changed or the fee has not been zeroed out! 
I am requesting that the placement card be issued next day delivery via XXXX or XXXX. 
I am also going to file with the IL AG office and the CFPB. 
I expect to receive a phone call from the Avant Corporate office, with a plan for resolution, as soon as this complaint is received! 

-- Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-11-13
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: Experian Information Solutions Inc. (CA)

After ending my forbearance period I was placed on a three month trial loan modification program. I was to make three on-time payments in which I did starting in XX/XX/XXXX. 
After making XXXX XXXX and XXXX payments I was placed on the loan modification program. The mortgage company then took my XX/XX/XXXX payment and applied it to XX/XX/XXXX payment. I was on forbearance in XX/XX/XXXX. The Mortgage company has now stated that as of XX/XX/XXXX I am 30 days late and as of XX/XX/XXXX I am 60 days late on my Mortgage loan. I would like the 30 and 60 day late reports to be deleted due to Covid-19. Until Covid-19 my mortgage payment was never been late for over 8 years. 
Thank you, XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

* Last month  TransUnion reported my score was 607 to a Mortgage company that made my XXXX  Score lower than it should of been. 
*Credit Agencies allowed a Business account be relabeled to a personal account and called it revolving. 
* I have never had a 607 credit score in my adult life. 
* Mortgage companies lowered raised my interest rates due to this credit adjustment. 
*My credit report is being fraudulently tampered with by placing fraudelent information and fraudulently reporting credit checks on my report. 
* I also have a derogatory credit reporting that I had a cable account just close in XXXX a couple months ago after living and working in texas  the last last years * I was a whistle blower against the government were I exposed millions of tax payer dollars was being stolen. I have been retaliated against. The case just settled in XXXX.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OR)

Nelnet has been reporting over {$50000.00} in open loans to my credit report for months and months. Ive attempted to dispute this multiple times and they continue to say the accounts are open and active when in fact every single one has been transferred to XXXX and the balances are now XXXX. XXXX has even forgiven my loans ( see attached below ) yet Nelnet has refused to update my credit report reflecting this. Ive contacted Nelnet and they say theyve completed an investigation and that the accounts are still active when in fact they are not. Theyve been closed and transferred with a XXXX balance for over a year. I need help getting them to actually report the correct information to the credit bureau.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (UT)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Employers : XXXX
Consumer complaint received 2024-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MA)

On XX/XX/24, I submitted my annual income recertification for my IDR plan. Shortly after, the status on studentaid.gov changed to Complete with a note that my servicer would select the best plan and finish the application. 

On XX/XX/24, MOHELA sent a letter stating they are experiencing delays in responding to correspondence, and to expect a response time of 90 business days ( 4 calendar months ). 

On XX/XX/24, I contacted MOHELA by phone to check on the status of my application, as it still had not been processed and my payment due date was approaching. MOHELA assured me they would expedite the review, and to expect it to be resolved within three weeks. My payment due date was pushed out to XX/XX/24. 

On XX/XX/24, I contacted MOHELA by phone again, as I had seen no progress on my application, and my new due date was approaching. This time, I told MOHELA I intended to stay on the phone as long as required for them to fix the issue. This resulted in being transferred to a supervisor. While on the phone, this individual pulled up my IDR application and processed it while I was on the phone with them. After a few minutes, they informed me of my new payment amount, which did not match what I had seen from the payment calculator tool on studentaid.gov. When I pointed this out, the individual admitted to not having entered the information exactly as submitted, but having made assumptions about my tax filing status and family size. I asked the individual to input the information exactly as I had submitted, which they did immediately. I was then told everything was complete, and to expect my account to update online within XXXX hours. This turned out to not be the case. 

I am writing this complaint on XX/XX/24. The application still has not been processed by MOHELA. My payment amount is still incorrect and not reflective of my IDR and updated income, and my payment due date is approaching in two weeks. I am concerned that because my repayment has been delayed so significantly by MOHELA, I am not able to make qualifying payments towards PSLF.

Thank you in advance for any help you can provide.