davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TX)

My student loan was forgave in XX/XX/scrub>XXXX  I have request multiple time with Mohela close out my student loan and record a XXXX balance withe the 3 credit bureaus. I have called them, sent them online messages with no resolve. I have disputed with credit bureaus. Student.gov says contact Mohela. Just going in circles. Mohela told me it would be updated in 90 days and it has not. I need this student loan debt to reflect being closed and reflect the XXXX balance on my credit reports. This is keeping me from buying a house.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (OH)

This issue is about brinks money/mastercard an individual has been stealing funds digitally and physically from my account this company has known about this for 6 months and in that 6 months I have not had access to my money since then we are talking about over XXXX XXXX dollars of my own money been saving for a year it's been nothing but excuses and disconnected phone calls along with incompetency my next course of action will be taking this to a law firm for a lawsuit.
Consumer complaint received 2015-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

I noticed on my account, there is a XXXX account assigned to me.two things wrong with this, one I do n't have a XXXX account, Two I have never lived at the address assigned to this XXXX account. You can check my public records and see I have never lived at the stated address assigned to that XXXX account. I would like it investigated and removed from my records, please. 
Thank you and I look forward to the outcome of your investigation.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that appeared on my credit report. Despite my few attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency.
Consumer complaint received 2016-09-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I disagree with the original response Re : Case # : XXXX, re disputed with no response, how can one statement showing XXXX min payment of {$1900.00} owed validate an account that is against me. I have rights to, where is the initial contract, the validation of when the last payment was made on this account etc. I do not agree with this copy of one statement in court can validate an account. If fraud happen and you provided one statement this does n't help any of the parties. Your response I do not agree with and your company has failed to provide me validation.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding continues to report an account that was previously removed from my credit report in XXXX. I have sent certified letters that have been ignored/returned to sender ( see attached copy ) and have no other way of contacting Midland. They ignore my letters and are not cooperating in investigating this issue. This is false reporting/inaccurate reporting and they need to remove it. My next step is small claims court. My current Credit Report, which was pulled today lists the following under XXXX and XXXX : MIDLAND FUNDING LLC {$570.00} {$0.00} XXXX account reported on XXXX XXXX, XXXX XXXX accounts reported on XXXX XXXX, XXXX Open Account # 1 {$570.00} Balance XXXX XXXX Original Creditor The same report shows this account closed on XXXX XXXX, XXXX, therefore Midland reopened a closed case, which is against FCRA requlations according to the FCRA website. 
MIDLAND FUNDING LLC XXXX XXXX, XXXX XXXX Please advise what my rights are as a consumer so I can get this taken off my credit reports. They continue to file false info after removing the same account. 
Thank you.
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (OR)

In XXXX, 2015, I received an unsolicited written offer from American Express to apply for their " Blue Cash '' credit card and, if used for over {$500.00} in the first three months, I would receive a reward bonus of {$100.00}. I have been an excellent AMEX card customer for 15+ years and have never missed making all payments in a timely manner. I used the new card for $ XXXX in the first month, but did not receive the {$100.00} bonus reward. Over the last two months, I have made XXXX inquiries and have been told they were making a 6-8 week " investigation '' of the issue. Now they said they will not honor the offer I received but would give me a {$50.00} credit because I have been a " good '' customer. I refused this offer based on the principle of them not honoring the original offer that was extended to me to open the new card account.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX, Equifax, and XXXX is reporting incorrect and inaccurate information to my credit report from XXXX XXXX which is a closed account with a late payment in XX/XX/2023, which is INCORRECT! XXXX is reporting the late payment in XX/XX/2023. Equifax is reporting the late payment in XX/XX/2023, and XXXX is reporting the late payment in XX/XX/2023. Which are all incorrect and inaccurate dates with all XXXX bureaus I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-01-20
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. (NY)

To whom it may concern, I noticed a few errors on my credit report on XX/XX/2021 and wanted to fix this up as I am trying to get my credit to be accurate. I have a closed account with XXXX XXXX XXXX I recently paid them {$200.00} to settle which is what the customer service rep told me would be removed. I called them on XX/XX/2021 to ask why it is still hasn't been removed and they were asking me for more money. I feel misled by there company and that I no longer owe them due to agreement made they made. I also have a closed account with XXXX department store card which to my knowledge was settled a long time ago so unsure why that is still on there. Lastly XXXX XXXX  is coming after me with harassing phone calls. I have no knowledge of what they they are talking about or authorized anything by them. I am looking for all 3 of this inaccurate information to removed from my credit profile.
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (OR)

American Express refuses to to listen to us about payment they say we owe the. 
We keep getting statements adding in interest, and it just keep getting higher. 
We owe them nothing, and we have the canceled bank checks to prove it. 
They will not give us a fax number to send them in so they can see for themselves.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 2024-05-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (OH)

In 2022, my spouse and I moved from XXXX XXXX XXXX We lived at the property for XXXX years, with the carpeting being already used before move in. After moving out, the renter tried to charge the entire cost of replacement for the carpet, despite the age and existing wear. We attempted to communicate with the rental agency, but they refused communications and pushed us off onto this collector. I worked with a lawyer to send a letter of demand to remove this fraudulent debt, but hunter warfield also refused to respond to verify the validity or legality of the transaction, instead sending the account to collections and refusing additional communication, forcing me to settle with the reporting agencies and CFPB. I have also included a copy of the original letter sent which was ignored by Hunter Warfield.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

I have direct deposit from Social Security every month, of the XXXX of the month and it has always been available within XXXX hours. Yet for the past 2 months ( XXXX and XXXX ), Wells Fargo has NOT been clearing the deposit right away. 
In XX/XX/year>, I went to the local branch of Wells Fargo, in XXXX, to find out WHY my direct deposit was NOT readily available like it had been in the past on the day of the deposit. I couldnt get a straight answer from them. ALL i was told was that Wells fargo implemented a new policy of " early payday '' for companies. I asked why is should that affect my direct deposit. they couldnt give me answer... 
So, I wrote to the corporate office of Wells fargo. In XXXX, my social Security direct deposit wasnt available till XX/XX/year>! WHY??? 


" Dear XXXX XXXX XXXX : Thank you for contacting us. We completed our research and are providing details to address your concerns. 

We appreciate you taking the time to bring your concerns and feedback regarding your experience to our attention. At Wells Fargo, we pride ourselves on developing and maintaining quality financial relationships and delivering the most professional and efficient service we know our customers deserve, so it is difficult to learn we may not have met those expectations in this instance. Please know your comments are truly appreciated, as they are critical to our continued growth and improvement. 

Our records show your social security XXXX has been deposited within the first XXXX says of the month since the beginning of the 2024 calendar year. 

Case status We have closed the case as of the date of this letter :. ". This was their reply ... NO REAL ANSWER as to why my Government direct deposit was NOT being available the same day, as it had been in the past.. THIS IS ALL so frustrating! I want to change banks due to all this frustration and Lack of Professionalism on their behalf.
Consumer complaint received 2015-06-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (OH)

Vehicle was totaled in an accident on XXXX XXXX and CNAC has been calling since anywhere from XXXX-XXXX times a day. Today we 've had XXXX calls wanting the remaining balance of loan after they received the insurance check. They are even trying to get us to buy another vehicle through XXXX Byrider to cover remaining balance plus the new vehicle price which there is definitely no way we can afford that with monthly income from social security XXXX. They are now threatening to take us to court.
Consumer complaint received 2024-05-04
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (WI)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX MN. 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at The Art Institutes from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of {$100000.00} were XXXX and my credit repaired. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers and their parents scammed into taking loans to at least XXXX for profit online schools. 
After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who XXXX have filed XXXX XXXX claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Link to Senator Warrens Letter : https : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Recently i looked at a copy of my consumer report and noticed several inaccuracies on my account. This account is hurting my ability to obtain checking account it's my understanding that chexsysems investigate this account for me to ensure accuracy. Here is the account XXXX XXXX i am asking you to verify as accurate
Consumer complaint received 2017-10-04
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MAS FINANCIAL SERVICES, INC. (CA)

On X/XX/17 MAS Financial contacted a friend regarding my car loan. At the time the loan was 22 days past due. This company has recorded messages that they sent 4 times a day on the second of the month when the loan is due on the first. I requested that my due day be extended to later in the month and they said it had to go to a committee and they would send paperwork. I asked a second time and never received the paperwork. When I received the loan they would not approve unless I gave them 8 references, which they used to call my friend. I have always paid a little late because I am XXXX yrs old on SS and the first does not work for my payment schedule. I have told them this and they still continue to harass me. I received an email from them and I wrote back with the time and amount I could pay and they said they ca n't take email arrangements. I wanted it in writing because they are despecible and not trustworthy. I called a supervisor they told me to call and they did n't answer their phone so I repeated the arrangements in English. I have received messages from a XXXX, who also called my friend, and it is all in XXXX. I speak english I have no idea what they are saying. They over stepped by calling a friend concerning my loan on a 22 day late loan. I think they should be investigated.,
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express sold my XXXX Am Ex card to XXXX XXXX without my agreement or signature. Interest rates and fee terms are changing in favor of XXXX XXXX. APY are rising 2 %, pay cycle is shorter, and additional annual fee requirement forces me to maintain XXXX membership to avoid this fee. 
Calls to Am Ex and XXXX resulted in " there is nothing we can do, call [ the other company ] ''
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I became aware of a debt in collections by a change in my credit report in XX/XX/XXXX. I did not receive any written notice. I contacted my previous rental company to whom the debt is owed but was told they could not help me and that I needed to speak with the collections company. I contacted the debt collector and asked for proof of the debt as well as any other information they have on file. They said they acquired the debt in XX/XX/XXXX from XXXX XXXX about an outstanding balance from my move-out in XX/XX/XXXX. They provided me with an account statement from XX/XX/XXXX, however the balance of the statement is {$0.00}. The statement shows that all charges are accounted for and the account is settled. The collections representative insisted that I owed over {$1500.00} for damages listed on the statement. While the amount charged for turning over the apartment appears on the statement as damages, those charges are also reversed at a later time on the same statement bringing the amount to {$0.00}. I lived there for 3 years and there were no major damages, only normal wear. The representative also provided me with a set of photos post move-out that also show no damages. We walked through the statement several times however he did not agree that the {$0.00} balance on the statement meant that nothing is owed.
Consumer complaint received 2020-10-13
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. (FL)

I am a victim of identity theft/fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.
Consumer complaint received 2016-07-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MO)

I had issued a complaint before about not getting mail from Navent in XX/XX/XXXX XX/XX/XXXX and they have failed to contact me or allow me to speak to a person to resolve the same issue. Now the company is destroying my credit score and still can not provide someone to talk to, to even try to resolve the issue. The company did call twice while they knew I was at work and gave a return number to their automated machine that will not redirect your call to a person. I have been trying to call them every week on my days off to no avail during their posted hours of operation.