davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
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. (TX)

Equifax ; XXXX  and XXXX are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 U.S.S 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (LA)

We had severe damage to our house in back to back hurricanes Laura and Delta in XXXX and XXXX of XXXX, it took a long time to get the insurance company to agree to pay for all of the damage to our home. During this time the insurance money was being held in property claims account with our mortgage company XXXX XXXX XXXX. In XXXX of XXXX XXXX sold our mortgage to Mr. Cooper and transferred the property claims funds in the total amount of {$160000.00}. When we needed to make our first draw this XXXX after finding contractors, Mr. Cooper told us they only have {$85000.00} in our property claims account. XXXX XXXX XXXX sent the correct amount over on XX/XX/XXXX. Mr. Cooper is not returning our calls and has not been able to locate our money in the last 3 weeks since weve filed our complaint of missing money. We need this money to fix our house. Weve not been able to live there for a year and a half at this point and this continues to hold up our progress.
Consumer complaint received 2022-12-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (PA)

On today 's date, XX/XX/2022, I received an alert from XXXX that an account was placed for collection and listed on my current credit report. The collection agency, Creedence Resource Management, was referring to an account of XXXX XXXX in the amount of {$890.00}. I have no knowledge of this account and have never been a customer of XXXX XXXX. Earlier this year, Creedence Resource Management placed a similar account under my name with XXXX XXXX XXXX for collection. This account was found to be the result of identity theft using my name but an incorrect address and I was later relieved of any responsibility for that account. I do not know if this recent action by Creedence Resource Management was also due to my identity being stolen, but I have no knowledge of any account with XXXX XXXX. The result of this action by Creedence has resulted in a loss of 141 points on my usual excellent XXXX credit score.
Consumer complaint received 2024-02-12
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX I made an in store purchase at XXXX XXXX using their credit program for {$2100.00}. I was told it would be purchased under the 12 month equal pay no interest. Some items were shipped others I XXXX have taken with me. 
On XXXX I made a purchase of XXXX again using my XXXX XXXX Credit card. I was told this purchase would be placed on the 12 month equal pay no interest program also. 

I made monthly payments via auto pay- so I did not check my statement at all- thats on me- my mistake. 

On XX/XX/XXXX : I went in to pay off the card balance before the promotions expired and noticed I had been charged interest since last year. To my surprise, interest had been accruing on my account. Through XXXX of my calls with Cap One they saw portions of the transactions that did not make onto the XXXX no interest promotion. From the XX/XX/XXXX transaction, {$570.00} did not make and from the XX/XX/XXXX transaction {$500.00} did not make it on the no interest promotion. It seems to me there is a training issue for all parties. Obviously, something happened from the total I was given vs what happened. But both trans were in store, but some times had to be shipped vs carry with me On XX/XX/XXXX : I called Cap One 4 times and XXXX XXXX once. Cap One opened a case and it was immediately closed and denied. And XXXX XXXX told me it was a Cap One problem- go figure. I explained to both parities that I was deceived into thinking I was receiving no interest, when in fact I did not. 

On XX/XX/XXXX : I called Cap One again and the supervisor told me there was nothing she could do or escalate this too. I didnt believe her. 

This just seems completely unfair I am having to spend so much time on what would be a negligible amount of interest to be reversed. This is a core feature of the product and folks are acting like I am making no sense.
Consumer complaint received 2024-02-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (VA)

On XX/XX/XXXX my borrowers defense was approved under the XXXX XXXX XXXX class action lawsuit. These loans are related to XXXX XXXX XXXX XXXX. These loans amounting to approximately XXXX, I believe at this point, are still awaiting to be XXXX. I have received no notification about their discharge, nor have I been granted relief. The loans were required to be XXXX by XX/XX/XXXX. I have notified my lender, the Dept. of Ed, and the class action attorneys. I spend XXXX a month on student loan payments, and need assistance to get the discharge I am owed. 
Thank you so much for your help. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was selling a product on XXXX XXXX, person 1 agreed to buy itXXXX XXXX The following is through XXXX XXXX We had various conversations through email until they agreed, after them sending the money i received an email saying i had to upgrade my account to a business account and other deposits. The email was made to look like it came from XXXX themselves, after {$500.00} was lost via this, i called XXXX as i never received the payment that the amount was for, and they confirmed that it was fraud from them using the company face and pretending to act like customer service. Several peoples were involved in the scam project ( or i was led to believe so ) after filing a claim with my bank they denied it, and after reopening the case and providing even more documentation and evidence, they denied it once again despite XXXX confirming it was fraud and me having evidence. They can no longer open the case and refuse to dispute for my {$500.00} back.
Consumer complaint received 2022-02-20
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

CityBank has issue account ending in XXXX for credit card and and multiple accounts using my information, I don't have access to these accounts no even banks statements, automatic payments continue to be issue to this credit card from other bank institutions and I still don't have access or get bank statements. Since XX/XX/2022 I have been visiting many locations, calling to ask about these accounts and they always hang up on me not giving me telling me that they can't not even bank main address or their representative ID. it has been months since I have reported the issue to CityBank and not resolution, they also closed another account where all funds and statements even bank account number went missing 8 months ago.
Consumer complaint received 2024-02-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (PA)

I was sent and received documentation that my loans were completely forgiven XX/XX/XXXX from Mohela. The last time they reported to the credit bureaus was XX/XX/XXXX. I've called multiple times : I called XX/XX/XXXX on hold/call 1 hr 22 min ( XXXX ) XX/XX/XXXX was on hold/on call for 4 hr 1 min XX/XX/XXXX was on hold/on call for 2 hr 3 min XXXX 43 minutes ... ect .... 

on XX/XX/XXXX I was on hold for the regular account specialist for about 45 minutes. She didn't know why it hadn't been reported. She said it should've been. She put me on hold for the credit office. I was on hold for over an hour. Unfortunately I had to hang up. I wasn't expecting to be on hold for 2+ hours. 

on XX/XX/XXXX I was on hold for a regular account specialist for over an hour. ( same thing she didn't know why it hadn't been reported. She said it should've been ) She then placed me on hold again for the credit office 2+ hours. ( almost 3 ) They said the issue had been fixed and I'll see it at the end of the month. I asked if it isn't what will I need to do? She said call back. I asked if there was a direct number? She said no, that I would have to go through the hole. 

XXXX I was on hold for the regular account specialist for about 45 minutes. She again didn't know why it hadn't been reported. She said it should've been. She put me on hold for the credit office. I was on hold for about 30 minutes. XXXX stated that it had been reported to the credit bureau on XXXX as paid in full with {$0.00} balance. 

XX/XX/XXXX It still isnt there.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (CA)

My depost was held all I was told was that it need to clear payment but its over two years and still nothing has happened. Every time I call them I received the run around or told that they can not give me any more information yet I receive email notices of monthly statements and year end 1099 but I have no answers to been giving a reason on whats happening with my funds. My name is XXXX XXXX XXXX XXXX XX/XX/1978 XXXX XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Company that bought my account was charged all kind interest rates XXXX XXXX {$1000.00} another XXXXXXXX XXXX XXXXXXXX my balance was {$97.00} XX/XX/XXXX was paying {$10.00} a month next bill was {$300.00} but payment was automatic from bank.They stopped I didnt break my agreement they didnt. Another account XXXX XXXXXXXX {$87.00} XX/XX/XXXX jump to {$290.00} keep going XXXX XXXXXXXX was {$100.00} XX/XX/XXXX it bump because of interest {$310.00}. Thinking that it was paid in and out hospital. XXXX coming from by bank still with same bank. Trying to get car realized this.Yes I said thats not me because in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I knew I didnt owe that but was its interest a late fees all continue get monthy payment. What I owe should have been paid by now.
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY (GA)

Pursuant to 15 USC 1692d, American Express XXXX XXXX used abusive language in its electronic mail messages to oppress me such as final, debt, collections, sue, balance and pay. American Express harassed me with these messages by sending them frequently and also calling me regarding an alleged debt. American Express XXXX XXXX violated by right to privacy by repetitiously and harassingly communicating with me regarding an alleged debt.
Consumer complaint received 2019-05-26
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: DISCOVER BANK ()

I WAS IN XXXX FOR TWO YEARS IN VERY REMOTE AREAS. AS SOON AS I LEARNED OF FRAUDULENT CHARGES I CONTACTED DISCOVER ON PHONE. FROM XXXX. THEY ASSURED ME NOT TO WORRY. I HAVE NO ACCESS TO ORIGNAL DOCUMENTATIN BECAUSE DISCOVER CHANGED MY ACCOUNT NUMBER TO PROTECT ME AND NOTHING APPEARS. I SUPPLIED THEM WITH COPIES OF MY NOTES TO THE MERCHANT STATING THEY STOLE FROM ME AND OWED ME. XXXX XXXX. I EXPLAINED IT ALL TO DISCOVER IN MANY DISPUTES FOR EACH OF THESE CHARGES EXCEEDING 5000 DOLLARS. I SHOWED THEM HOW I HAD PAID WITH XXXX, AND XXXX XXXXXXXX XXXX AND EXPLAINED HOW I WAS TOLD DISCOVER CHARGES DID NOT GO THROUGH BY THE MERCHANT. I NEVER WAS SHARED WHAT DISCOVER DISCOVERED FROM THEM SO HOW COULD I COMMENT ON THAT THEY HAD. THIS IS AN XXXX MERCHANT, THEY ARE NOT HONEST AND IT IS IMPOSSIBLE FOR ME TO HAVE A DISCOVER CHARGE IN ANOTHER CITY THE DATES THEY SAY THEY ARE GIVING ME SERVICES ALSO. NOW THAT 2 YEARS HAS PASSED DISCOVER JUST PASSES IT OFF AND DOES NOT WANT TO DEAL WITH IT. NO MANAGER EVER GAVE ME THE ATTENTION I REQUESTED. I HAD A MERCHANT ACCOUNT WITH DISCOVDR FOR MY BUSINESS, ALWSAYS PERFECT STANDING, LOW BALANCES UNTIL THIS, AND I EVEN OFFERED TO SETTLE WITH THEM. IT IS LIKE I AM GETTING A FORM RESPONSE THAT DOES NOT EVEN RESPOND TO MY SPECIFICS .... THEY NEVER MAILED ME WHAT THEY SAID THEY DID AND I HAVE ASKED TEHM TO UPLOAD ONTO MESSAGE CENTER, NEVER DONE. I HAVE BEEN WITH THEM MAYBE 10 YEARS. THERE IS NO WAY TO RESOLVE THIS WITH THE THIEVES IN XXXX UNILESS I GO THERE TO THE GOVERNMENT. THAT IS UNREALISTIC. IT IS ALSO AGAINST THIER STATED INTERNATIONAL PROTECTION POLICY. I AM JUST SPINNING MY WHEELS SINCE 2017. NOW THEY SAY SO MUCH TIME HAS PASSED, IT HAS BUT I AM THE ONE PAYING THE INTEREST ON THIS TIME FOR FRAUDULENT CHARGES. IT IS COMMON IN A 3RD WORLD COUNTRY FOR THIS KIND OF THING. IF DISCOVER LOOKED REALLY OR TRIED TO UNDERSTAND IT IS ALSO IMPOSSIBLE FOR ME TO WITH THE DOC I SHOWD TO SPEND THE DISCOVER PORTION OF OVER 5 THOUSAND AND THE XXXX XXXXXXXX XXXX AND XXXX PORTIONS OF HUNDREDS MORE AT THIS TINY PLACE. I OFFERED A SETTLEMENT, AND DEMANDED NO INTEREST AND EVERY REPLY I GET IS FROM A DIFFERENT PERSON AND NO ONE PERSON LOOKED AT THIS GROUP OF FRAUD CHARGES FROM THIS ONE MERCHANT SO NOTHING WAS HANDLED OR INVESTIGATED REASONABLY. I HAVE NEVER DISPUTED LARGE CHARGES, I HAVE WORKED HARD, OWNED MY OWN BUSINESSES, PAID ALL ON TIME WITH THEM NEVER FOR PERIODS HAD LARGE BALANCES, BUT PAYING THIS 5 PLUS THOUSAND TO THEM AND THE INTEREST IS NOT JUST OR ACCEPTALBE.
Consumer complaint received 2022-10-07
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. (MS)

XXXX am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Commencing on or around XX/XX/2022 ( and around XX/XX/2022 ), I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX from my CapitalOne account through an intermediary named XXXX to these fraudulent investments companies.
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

i have been tying to work with Carrington mortgage for XXXX and all they have done is give me the run around i have XXXX XXXX from XXXX XXXX of XXXX XXXX helping me and we she has supitted application 2 times and they have requested same paper work XXXX time in the past XXXX they dont let me make payments so for the past XXXX yrs its been a fight with them XXXX had my file and i was approved they they sold my loan to Carrington and everything went to XXXX by know they should give me my title to my house for pain and suffering i have been stressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to them not working with us its been very stressful
Consumer complaint received 2024-02-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (MD)

have sent multiple previous messages to Mohela for forbearance to be lifted. I need forbearance lifted immediately. I also need the income verification form that I sent in on XX/XX/XXXX with an Adjusted gross income of $ XXXX to be applied ASAP. As stated previously my employer is preparing to make a lump payment of $ XXXX to Mohela. On the XX/XX/XXXX income recert it says my estimated payment is {$130.00}. That will be 14 months of payments as long as they are counted as eligible and only if the payment is recalculated and forbearance is lifted. I have done everything on my end. I called and spoke to a REP on XX/XX/XXXX and they said they are working hard on it. I should not be penalized because Mohela is backlogged. I have submitted all the right paperwork and have done my due diligence in following up. I have asked and will continue to ask for the income to be recalculated and forbearance lifted. I need the $ XXXX applied as eligible payments towards PSLF and counted for XXXX future payments. I have also submitted an employer recert over a month ago with no movement.I spoke to XXXX XXXX employee # XXXX. She said the forbearance would be lifted. A removal request is being applied on XX/XX/XXXX. She could not say how long it will take for it to be lifted but could be as long as 71 days. I stressed that my government employer is processing to send a payment out. I explained that it is a county government and the payments send automatically and I can not control when they are sent. I really need forbearance lifted and my income recalculated. My goal again that my XXXX plan payment of {$130.00} takes affect and that forbearance is lifted so the $ XXXX payment from my employer satisifies 12 months of payments in PSLF.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (IL)

Diversified Consultants Inc Account # XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed {$950.00} I have no knowledge of this debt  and would like it removed from my credit file as soon as possible.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Experian CFPB Complaint Experian has reported the below accounts to my consumer report. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Experian any written instructions to do so. Experian has also failed to exercise its grave responsibility to respect my right to privacy for its profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and receive above-par medical treatment as a living human being. 

In accordance with the Fair Credit Reporting act the below creditors/ collection violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement 15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-07
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. (AL)

in accordance with the fair credit reporting agency act XXXX account # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.