davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (TN)

ZION DEBT HOLDINGS Last reported : XXXX XXXX, XXXX Opened XX/XX/XXXX ( 1 year, 3 months ) I have requested this information over 30 days ago and now requesting again because they never sent the information i requested
Consumer complaint received 2023-10-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (IN)

In XXXX of XXXX my identity was stolen. The Mortgage Company reversed payments to my Bank without my knowledge. The bank who I will deal with separately contacted My mortgage company and told them to reverse 12 payments. Thank God they only reversed 4. We sent proof to the mortgage company showing that we have never missed or been late on a payment. We have tried to make up the payments that were reversed. But with all the fees and late charges we don't have the money. Problem is all the late and service fees. They have also further damaged my credit rating by reporting me in default. 
We have contacted The mortgage company many times. Each time a new representative and no satisfactory response.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

My loan sequence 8 and 9 were completely forgiven as part of the PSLF and the PSLF waiver. See attached letter from XX/XX/XXXX. All of a sudden recently I noticed a balance of around $ XXXX reappear for these sequences which was supposed to be forgiven as part of the PSLF and consolidation waiver. Initially when I got my PSLF forgiveness letter I called Mohela panicked that it did not include 5 of my loans that were pending consolidation and the forgiven balances were incomplete. I was reassured they would be forgiven too as part of PSLF and if for some reason they are not, Mohela can take care of it on the back end. Here are my notes from those conversations XXXX Spoke to XXXX XXXX employee # XXXX at Mohela , he spoke to a supervisor. I was then told " If loans are forgiven before the consolidation is complete we will reprocess forgiveness with the new balances '' - on XX/XX/XXXX XXXX employee XXXX told me the same thing " If all the sequences are not added before forgiveness, we can go back in and manually adjust the forgiveness '' - I have attached the payment count letter from XX/XX/XXXX, my repayment letter from XX/XX/XXXX which did not have a consolidated loan balance ( and all of a sudden the one from XX/XX/XXXX does ), and my paid in full letter from XX/XX/XXXX showing my two consolidated loans have been paid in full. Please correct this as soon as possible and erase the balance on loans 8 and 9. I made a lot of financial decisions based on the information I was given and the promise that my loans would be forgiven even if the forgiveness completes before the consolidation finishes. Please help me to fix this as I will be in great financial stress if this is not fixed.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 2024-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NC)

I received a letter in the mail on XX/XX/24 from Aargon Agency Inc for debt owed of {$3000.00} plus dollars I called them at XXXX at XXXX eastern time and notified them I have no acknowledgement of this debt and asked them to send me written proof of this debt the agent stated he would. I have yet to receive this information and I was notified by XXXX  that this debt had been added to my credit report. I have disputed this with XXXX credit bureau. I just ask that this debt collection agency follow the rules of providing me the necessary documentation to resolve this debt.
Consumer complaint received 2023-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I got a report from my credit bureau that had been sent to them by Bank of America. The report caused my credit score to take a giant dive. BofA felt the need to send a whole report because I had applied for a loan of {$500.00} from them and been refused. Couldn't they just report the refusal like everyone else? I'm not sure why they felt it was necessary to pound someone's credit score into the ground after offering a quick-fix loan to make it to the next payday. It doesn't really seem like helping was their intent. This is the second time they have done this to me ; although, this is the first time I have had access to the information they were sending out about me. The report has complete untruths on it and reports things that were not already reported for a reason. Bank of America obviously feels free to report whatever they wish and thinks they have no responsibility to be accurate. What they are doing is unlawful and spiteful. If they want me to take my business elsewhere, there are other ways to go about it. 
Also, I shouldn't have to file a lawsuit or become part of one to get help. 
I contacted Bank of America and I was told they just don't know what department they have that can help me, I should dispute is through the bureau they sent it to?!!!
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (GA)

Edfinancial was my designated loan servicer for my graduate school loans. I have been trying to contact them for about 1 month regarding my monthly payments and making a large principal reduction payment. I first called on XX/XX/XXXX. Their office was not opened. I called again Tuesday when the office was opened again. My wait time was estimated as over 300 minutes. They called back the next day and I could not answer because I was treating patients. I tried again on XX/XX/XXXX, again was put on a wait list for a call back that was over 300 mins. Again, I could not answer the call back and no voice-mail was left, nor did they attempt to contact me again. I called again XX/XX/XXXX. Was put on the waitlist and got a call back that night. I spoke to the representative for about 3 mins ( most of it was her confirming my name and DOB, etc ). I asked my question and she said she would place me on a brief hold. After about 1 min on hold, she hung up the phone. I called back again on XX/XX/XXXX and got a call back that day. Again, after confirming my personal information, the representative hung up on me. I sent an email that same day hoping for a response and I have not received one yet ( it is now XX/XX/XXXX ). I placed another call on XX/XX/XXXX, hopefully I hear back Monday, but don't expect much since I keep getting hung up on. I just want to figure out how to pay these people what I owe them. I work in patient care 5 days a week during their open hours, so it is hard for me to get in touch with them. I am having to step away from patients to answer their calls only for them to hang up on me. I was hoping the email route would go more smoothly, but that is not the case. I am seeing lots of other horror stories similar to mine about Edfinancial. I just want my questions answered so I can pay my loans back in a timely manner!!
Consumer complaint received 2023-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (VA)

I noticed a collections for a credit card I opened but never used. And called and cancelled it before even authorizing the card, in XXXX. The card was for {$500.00}. I noticed in XX/XX/XXXX, a weird looking collections appeared on my credit report. No delinquencies are showing, I've NEVER received anything in the mail. It's showing a solid {$500.00} debt and that's. Some committed credit fraud under my name. 

What I believe happened, is that when I contacted the call center to cancel in XXXX, someone from that company used the card and reported it in a weird manner. So that it could not be detected right away. Now, I have credit cards and I OWN those bills. 
THIS DEBT DOES NOT BELONG TO ME. 



I contacted the credit bureau to find out what company this card belonged to. 
I was advised that it was a COMENITY BANK, CREDIT CARD. I contacted COMENITY and spoke with an account manager in charge. She told me they see that I had paid and closed all cards wit them. At that moment the manager said that she would resubmit a paid in full to the credit bureau, to remove the collections. That did not work. XXXX XXXX still trying to collect on a debt I have no knowledge of.
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OH)

I received my statement from Discover Card in XX/XX/XXXX. I noticed a charge from XXXX that I didn't make. I don't shop at XXXXXXXX XXXX. I went online with Discover Card and disputed the charge. They said they would investigate. On XX/XX/XXXX their answer to my dispute came in the mail. They determined that I was liable for this unauthorized charge. On XX/XX/XXXX I mailed them a letter stating my disagreement with their decision I never got a response. I paid the {$250.00} to preserve my credit rating, stopped using the Discover Card and froze the account. I figured I had learned a lesson to not deal with Discover and was going to let it drop. But their lir on their commercials " YOU WILL NEVER BE RESPONSIBLE FOR UNAUTHORIZED PURCHASES '' was more than I could stomach there for I m filing this complaint. They should not be allowed to lie like that in their commercials. Thank You, XXXX
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

My PayPal account XXXX was limited about 180 days ago. I got a message stating my funds are eligible for withdrawal, upon trying to withdraw I was met with a message stating " sorry there's a problem '' and also " sorry we can't complete transfer right now try again in a minute or two ''. Upon that message I reached out to CFPB and my attorney general office. I got a response from CFPB PayPal response stating that the issue was with the account linked to the PayPal account that they will proceed to remove the account and I can link another account to proceed with the withdrawal. Upon linking the account, I'm still getting the same error message.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-10-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (AZ)

CFPB case number XXXX follow up I received a digital response from Wells Fargo to this report on XX/XX/. The cover email said the case had been closed. I could not open the file because it was corrupted. On XX/XX/, I received a letter from XXXX XXXX, Escalation Representative, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX, cc : Consumer Financial Protection Bureau. 

Problem 1 ) The first two pages of this missal say the case is closed and no transactions appear on my statements after XX/XX/. This is clearly not true because the charge appears on the copies of my XXXX, XXXX, and XXXX XXXX  Wells Fargo statements which are in my files. 
Problem 2 ) XXXX XXXX included with the letter addressed to me at my home address in XXXX, AZ, twelve ( 12 ) pages of double-sided printouts of Wells Fargo Combined Statement of Accounts dated XX/XX/ and XX/XX/XXXX XXXX XXXX  as well as Wells Fargo Active Cash VISA Signatures Card XXXX account ending in XXXX, dated XX/XX/ to XX/XX/, and dateXXXX XXXX to XX/XX/. The identifying name and address on all 24 sides is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX. 

Not only has Wells Fargo refused to address my original complaint, but also Wells Fargo has now exposed another customer 's identity to me, a person who has no right to see XXXX XXXX 's financial records. I had spent months attempting to enlist Wells Fargo in efforts to rectify its records in relation to my own account. Not only is my own issue not resolved, but also Wells Fargo has created a situation in which another customer needs to act to protect her financial information. I must admit this makes me very concerned about just how all financial information is managed at Wells Fargo.
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Foursight Holding LLC (MO)

I bought a vehicle from XXXX XXXX in XXXX XXXX. I was approved for financing by Four sight capital LLC & they insisted that I must have gap Insurance besides my insurance to cover the balance incase my car was totaled & my insurance didn't pay the full amount owed. I bought this car on XX/XX/XXXX XXXX. On XX/XX/XXXX ( XXXX months ) after I bought the car it was involved in an accident. My insurance company paid the actual value of the car & the gap insurance was supposed to pay the balance. I contacted Foursight Capital and they told me they working with the gap insurance to get the other balance paid only to be told later that gap insurance didn't cover the whole amount. After back & fourth for years & after they reported my account delinquent to credit bureaus I demanded to see a copy of the gap insurance I had paid for {$800.00}. I was shocked to see that the gap certificate issued had a forged signature. It is my belief that this was fraud on most likely that's why they didn't cover the remaining amount. I'm attaching this proof.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citi blocked the use of my XXXX Citi XXXX due to a purchase I was attempting to make online. 

Upon calling Citi to acknowledge the transaction, I was asked if I use any other Citi products and had a home phone. After responding no to both, I was told I was unable to verify my account. I would have to wait 5 to 10 days for a letter containing a code to verify my identity to reenable my card or cancel my account.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

Unauthorized Hard inquiries have been showing up on my bureau reports without my written authorization. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are all companies that I did not authorize to pull a hard inquiry from the credit bureaus. The pre-qualifications were said to be 'soft inquiries '. There were no actual applications authorized and promises of no reporting were made verbally over the phone for XXXX XXXX XXXX. I do not have recollection of who the other XXXX companies are that are reporting : XXXX XXXX XXXX XXXX XXXX are reporting on Equifax during/after the FTC reported Equifax breach XXXX
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

My loans were due XX/XX/XXXX. I made a payment on XX/XX/XXXX and got a confirmation number. I never received anything about the payment not going through. I logged in to update my public service loan forgiveness paperwork on XX/XX/XXXX and saw I had a past due. I immediately paid it even though I had a confirmation number from XX/XX/XXXX as I didnt want it to affect my loans. 

I immediately called MOHELA and as of right now have been on hold for four hours and 15 minutes. They have no call back option and no information on how long the wait is. I am genuinely concerned with how difficult it is to get any assistance in this type of issue. There is no other means of contact for MOHELA and to be on hold for over 4 hours is absurb.