davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IN)

I applied for SAVE plan. Of the 11 loans I have with Mohela, only 4 are on the SAVE plan, while the other 7 plans say Level. 

I am unable to reach anyone due to long wait times. I logged in to plan to set up my payments to restart, however, theyre not accurate with only 4 of 11 on the correct income driven repayment plan. 

I called on XXXX and waited for greater than 30 minutes before I needed to hang up. The issue is unresolved. I can not make the stated minimum payment of {$2800.00} by XX/XX/2023. The estimated repayment amount with the loan simulator is around {$82.00}.
Consumer complaint received 2022-07-06
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)

FCRA violations : accounts not mine XXXX/XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$22000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account
Consumer complaint received 2021-08-27
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. (TX)

I HAVE AN ACCOUNT REPORTING ON MY CREDIT REPORT THAT I DISPUTED WITH THE CREDIT BUREAUS BUT I HAVE NOT HEARD ANYTHING FROM THEM AND IT'S BEEN OVER 3 MONTHS
Consumer complaint received 2022-01-21
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

The company. Credit Acceptance doesnt have a charter, functioning illegally and unlawfully. There is no original contact with my or my son, XXXX XXXX, autograph signature. Therefore Credit acceptances representatives collected payment under fraudulent actions. The alleged debt was disputed through notarized letter XX/XX/2021 and sent certified mail, return receipt XX/XX/2021. The company did not prove the alleged debt by satisfying our request for proof. Violation of The Fair Debt Collections Practices Act. The company proceeded on XX/XX/2021 to seize property & through coercion forced XXXX XXXX, secured party to immediately pay to have property released an back to him causing disruption and distress to his livelihood. 

I filed a complaint to you on XXXX XXXX, undersigneds behalf at the end of XXXX with XXXX XXXX as Additional Point of Contact which is on your website contained in the full complaint # XXXX, STEP 5 ; The companys response was sent to my email and continuously I attempted to open it to no avail. I emailed you, spoke to XXXX, XXXX and Ms.XXXX who the latter two said I am not authorized because my name is not on the complaint. I have print out proof as me being authorized. So your error has prolonged this problem & Credit Acceptance has continue to move forward in fraudulent actions. 

I have reached out to legal support.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (VA)

I was approved for XXXX XXXX XXXX card with a limit of {$1000.00}. Approx 5 or 6 months later, they drop my limit to XXXX with no notice. This caused me to have to pay a bunch of fees, because my balance was over the XXXX. After I called I received a letter in the mail saying they reduced my limit because my credit score changed. 
Today, XX/XX/2022 I logged in to pay my XXXX XXXX bill. My limit has been decreased from XXXX to XXXX, when my balance is XXXX. I check my credit score 2 to 3 times a week. I know it has gone up. There is no logical reason to me for this to happen. When. Calling XXXX XXXX/commenity, they have no answers. They say they will transfer my call and I get hung up on 4 times! Four! I am beyond upset at this. This is affecting my credit score. And no one has answers.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I am writing with regard to three late payments reported in XXXX, XXXX and XXXX of XXXX. I lost my job at XXXX  XXXX XXXX in due to COVID-19. As a result, I missed my XXXX payment. I continued to make one payment as I could monthly, but because of the first missed payment, it shows that I continued to be behind one payment. A payment was made on XX/XX/XXXX ( {$330.00} ), XX/XX/XXXX, ( {$330.00} ), XX/XX/XXXX ( {$330.00} ), XX/XX/XXXX ( {$330.00} ), and XX/XX/XXXX XXXX {$330.00} ). I contacted Credit Acceptance shortly after I lost my job to inquire about payment options due to COVID, and I was told and received a notification that payments would still be due and that nothing could be done. I called again, explaining everything above, and was told by a male representative that I should dispute the missing payment with the credit bureaus. I did so, and the dispute was denied. I called again after this on XX/XX/XXXX, and was told by a representative that my account was placed under the COVID protected status, and that she did not understand why the payments were reporting late because of the status. I have done my research, and have found that many customers are being affected by the late payments being reported while in the COVID protected status. 

The late payments, reporting with all 3 bureaus, have caused my credit score to drop severely. I have been able to get a better job with a new company, and have been able to get back on track with my auto loan payments. I am in the process of purchasing a new home for myself and my two children, and it has come to my attention that the late marks prevent me from taking full advantage of the best interest rates available. I am requesting that you please give me a second chance at a positive credit rating by revising the late payments. I sincerely hope that there is redemption at Credit Acceptance, and I plead for such consideration.
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (RI)

I have been a Chase Credit Card customer for XXXX and the former XXXX airlines miles club for over 10-years. On XXXX XXXX, XXXX my credit card valid through XXXX XXXX because I pay a yearly fee ceased to be accepted by at point of sale companies. I called Chase and they stated that they stopped accepting the credit card because I had not used a chip enabled card since XXXX XXXX. I stated that I had not received it and through exchange with the Chase, the chip enabled credit card was never in use. Chase stated that they have to send me a new chip enabled credit card with different account numbers. I stated to chip enable a credit card with my current account as I have all my utilities and banking transactions based on this card and to reactivate my old card ( re issue ) as the previous chip card was not used.
Consumer complaint received 2022-01-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I have faxed in information proving I have made my car payments. XXXX XXXX directly faxed this information to credit acceptance. XXXX XXXX has confirmed payments were made, payments were not returned back into my account. Credit acceptance verified they received this information, but is now asking for more information and bank statements for months I have made payments. What does this have to do with the payments they are claiming I didnt make? They are claiming my payments from XXXX and XXXX were returned in XXXX which makes no sense. XXXX XXXX verified this did not happen. XXXX XXXX verified these payments were made and proof was sent to credit acceptance. They are refusing to update my account to reflect this information. They are reporting my account is not in good standing. This is affecting my credit AND I had to make a payment to stop a repossession on my vehicle! This is ridiculous and it needs to stop!
Consumer complaint received 2022-01-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc. (WA)

When we purchased our home in XX/XX/2021 our 1st mortgage was sold to XXXX from XXXX. Essex then proceeded to misplace at least two of our following payments and then took ACH deductions from a checking account we did not authorize. ( Because of them that account is now closed because the account was continually overdrawn ). We sent our monthly mortgage payments in each month to the company who sent us the invoice. Essex did not keep track of where or who was receiving these payments. Essex reported us to the credit bureaus as no payment thus showing us as delinquent for a few months. Fortunately we had a paper trail to be able to prove to Essex we were not in the wrong. It took 11 months and the start of a refinance to get Essex to reverse the no payments and fix the reported errors with all three credit bureaus not just one credit bureau. Now were nearly three months into a refinance and we cant close because Essex hasnt paid our property taxes due back in XXXX of 2021. Essex has been including the property traxes in our monthly mortgage yet claimed they didnt know it was their responsibility to pay them when they gladly collected and put the money in an escrow account. They paid the property taxes due the second half of the year and then sent us a refund check which now they claim they need back but none of it balances out in escrow. In the mean time we can not close our loan because were considered delinquent with the county, our credit score has dropped over XXXX points due to Essex errors and daily penalty fees are accruing with the county until Essex chooses to see this as an urgent matter and take care of it. We as the customer have our hands tied and can do nothing further but listen to them give us the run around how its not possibly their fault.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify  these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

My complaint is in regards to an over correction/charge that CITICARD XXXX inexplicably placed on my account on XX/XX/XXXX of XXXX and still HAS NOT REVERSED FROM MY ACCOUNT AFTER OVER TWO MONTHS of my speaking to various representatives. They are almost never the same ones that either claim to escalate the matter or a credit will be issued that hasnt been done to date. 

This is basically what happened : I placed a dispute with Citicard XXXX XXXX in regards to a Best Buy charge of XXXX and Citicard issued a conditional credit of XXXX on XX/XX/XXXX. Then on XX/XX/XXXX after Best Buy issued a credit and partial credit on some charges, Citicard reversed the conditional credit on XX/XX/XXXX, XXXX Best Buy had issued a full credit and partial credit which meant their initial charge was the appropriate remaining balance and Citibank reinstated the initial disputed charge of XXXX. Thus on XX/XX/XXXX, I closed the dispute online as after reviewing my online statement the charges were correct. 

BUT ON XX/XX/XXXX and after the XX/XX/XXXX statement close, CITICARD placed another Correction charge on my account of XXXX. This is an extra unauthorized charge placed by Citicard not Best Buy and I could not dispute the Citicard placed charge online. In the following days, months, Ive spoken to numerous representatives @ XXXX to get the extra correction taken off my account to no avail and I sent the dispute department a certified letter which they received an XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX about the issue, the following day, XX/XX/XXXX, I spoke with XXXX on live chat following up, XXXX or XXXX? on XX/XX/XXXX, XXXX on XX/XX/XXXX, on XX/XX/XXXX, XXXX or XXXX said I should check back again in 7-10 days, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX,. On XX/XX/XXXX, XXXX or XXXX promised me Id receive an adjustment on my account within 7 to 10 days which NEVER HAPPENED. XXXX on XX/XX/XXXX gave me the case number XXXX. My latest call was to dispute department supervisor XXXX on XX/XX/XXXX and I demanded to know what the hold up was or I would contact someone in the corporate office. He insisted he would call me the next day, Saturday XX/XX/XXXX, but I received NO PHONE CALL. 

What I expect is a credit correction of XXXX to my Citicard account balance ASAP as PROMISED and a letter of confirmation from Citicard and I want to be able to see the credit appearing on the next credit card statement as completed. 

.
Consumer complaint received 2022-01-21
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: Exeter Finance, LLC. (IL)

I received a credit inquiry on XX/XX/2021, XX/XX/2021, from EXETER FINANCE CORP . I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Despite XXXX XXXX clearing me of the debt, and stating they asked credit bureaus to seize all reporting, Portfolio recovery still negatively impacts my credit report, and harassing me for the debt I never owed in first place. 
Their dispute tactics is horrible, After they requested all the evidence which i sent they lie and claim I've never sent anything so I'm gon na attach it to this report, So it's clearly sent.
Consumer complaint received 2021-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the XXXX XXXX and the XXXX. the issue was not resolved.
Consumer complaint received 2022-10-12
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-27
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. (TX)

I HAVE AN ACCOUNT REPORTING ON MY CREDIT FILE THAT I DISPUTED WITH THE CREDIT BUREAUS SEVERAL MONTHS AGO AND I STILL HAVE NOT HEARD BACK FROM THEM REGARDING THIS ISSUE
Consumer complaint received 2015-07-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (SC)

I am reporting JP Morgan Chase and XXXX XXXX XXXX. I was told by Chase from the last complaint that I would not be contacted by The XXXX XXXX again for collection and that my account with XXXX was updated as said in the letter from Chase attached. However, mailed out XXXX XXXX, 2015 and received by me a few days ago was another collection notice from The XXXX XXXX. This is also attached.
Consumer complaint received 2022-01-21
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: TRANSWORLD SYSTEMS INC (AL)

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I have filed this complaint before without resolve. I am attaching the police report and Affidavit to this new complaint. I have attached everything that this company needs to do it's investigation. THE ORIGINAL CREDITOR XXXX XXXX IS NO LONGER IN BUSINESS. THE OFFICE IS permanently CLOSED THEREFORE THIS DEBT COLLECTOR Transworld Systems Inc. IS operating ILLEGALLY on there behalf. THEY HAVE NOT REACHED OUT TO THE ORIGINAL creditor to resolve this matter because they are no longer in business.
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding LLC. has not proven that credit one is my credit card account. 
I asked them to show proof of a contract, my name, and my social security number. 

The FCRA states by law a collection agency should send information regarding the collections. I have not received any information which proves XXXX XXXX is my account. LVNV can not prove my name, address, phone number nor Credit Card number belongs to me. 

I dispute this accounts belongs to me and had I been notified properly a police report would have been filed for FRAUD
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (GA)

I have advised Sequium Asst Solutions to stop calling my persona they haven't, I have informed them that i don't give a consent for them to record a phone call they placed into my phone line and they refuse. I was told by their representatives that I am XXXX.
Consumer complaint received 2023-06-19
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. (NV)

This credit card account with XXXX account # XXXX has been closed and charged-off since XX/XX/2019 in the amount of {$170.00}. I've disputed this item with XXXX but they claim they can not find my account. XXXX can not verify my account however, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.