davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (WI)

On XX/XX/year> I called and requested payment records for my loans. After their transition all payment history is now unavailable. I never received the information requested. I called again on XX/XX/year> and they escalated the request and sent me XXXX emails which stated I could access the payment history via the online portal which you can no longer access. I called again on XX/XX/year> to Inform them. 
It is an abuse to consumers that we have no access to our payment history and have to jump through obscene hoops to obtaining this information.
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The Experian and XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Account Balance : {$32000.00}
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (TX)

I was served by JP Morgan Chase for a credit card that XXXX XXXX XXXX is working on for me with them. The part that caused me to create this formal complaint is not that I was served, but that the person serving me had all my documents, judgement and my credit card statements with my account number, name, and address. The privacy needs to be handled better on JP Morgan Chase 's side. All my personal information was on those statements that were not protected and clearly visible to the person handling the serve.
Consumer complaint received 2024-08-08
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (MN)

Opened a credit card in XXXX of XXXX and made a purchase of less than {$200.00}. Made my first payment on XX/XX/XXXX, in the amount of {$100.00}. My bill came towards the end of XXXX not showing the payment of XXXX with a late fee of approximately XXXX. I paid the payment on XXXX XXXX, including the late fee in the amount of XXXX. Once again, I get the bill not showing payment. I then reached out to Commenity and they have no records of payment. Meanwhile, the collection agency if after me. I reached out to my bank, and they sent me letters and the checks which they sent to Commenity. Months later I am still dealing with this, and continue to get late fees and again collection agency is after me. I spoke to the women from the collection agency, told her the background and she could see in the documentation that I was in fact giving information to clear this up. She removed me from her list and sent me back to Commenity. I recently sent the documentation in again. This has hurt my credit score tremendously. I need this matter resolved.
Consumer complaint received 2022-07-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I was scammed out if {$510.00} on cashapp. I reported this to cashapp. I asked the scammer for a refund and they denied. I tried contacting the person but the have blocked me on social media. I have no other way of contacting them. I tried filing a claim with cashapp and they denied. I asked if I can file a claim through my bank. I run the risk of cashapp putting my account in the negative. Cashapp policy says they can reverse any charge but when you file a claim they refuse. There is no help on cashapp for people getting scammed and they would allow you to go to your bank with making your account overdrawn. This is the second time Ive complained about this practice. I need help or I need to know who to complain to. There has to be protection for consumers.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid 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: Block, Inc. (NY)

My cashapp card was charged about 9 times from a company that I never heard of, first the company tried to charge me {$100.00} which was declined, I contacted cash app and they said do not worry it was declined because I didn't have enough money in he account, then the next week on the morning that my direct deposit was deposited the company XXXX XXXX  ) took out all my money in about 9 transactions in a matter of minutes, I contacted cashapp, through the app on my phone and put in disputes for every transaction which happened on XX/XX/2022, so far cash app only refunded 2- {$10.00} charges. Please help. 

It seems like cash app isn't showing every transaction on my statement now, on the day it happened it showed a total of about 11 transactions, now it only shows 9 transactions.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. XXXX XXXX XXXX ( a ) ( XXXX ).
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc. (LA)

To whom it may concern I have a false report on my credit from XXXX XXXX Bank this account is not mines. I have no knowledge of ever working with XXXX XXXX Bank or opening an account Im sure its a case of identity fraud and I would like it removed from my credit report history, it is reported as Atlanticca The account reported as a late payment on XX/XX/year> And XX/XX/year> please help me resolve this issue and get it removed its preventing me from getting a mortgage and buying a home. 

Sincerely : XXXX XXXX XXXX XXXX Bank, which recently changed its name to SouthState Bank, N.A., partners with XXXX XXXXXXXX to bring you the XXXX XXXX Credit Card and certain XXXX XXXX XXXX. 


Because of the recent name change, you may see either XXXX XXXX Bank or SouthState Bank listed on your credit reports, Self documents, Self credit card, in the Self app, and elsewhere for a while. So please dont worry because either one is correct. 

XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

XXXX XXXX I consolidated my student loans. Prior to the consolidation I was on the SAVE plan. At the time of consolidation ( within the same application ) I selected to be placed again on the SAVE plan, once the consolidation went through. Both the consolidation application and the SAVE application show as received and 'in review ' on student aid.gov, and I was informed that my payments would be $ XXXX when I applied. 

On XX/XX/XXXX I received a letter in the mail from MOHELA stating that my payment would be due soon and that it would be {$370.00}. They had placed me on the " Level '' payment plan ( not income driven, which I qualify for and NEED ). The letter was backdated to XX/XX/XXXX and my payment was to be due mid XXXX ( less than 3 weeks away ). 

I called MOHELA immediately and was told that they had never received my SAVE application. I was instructed to reapply to SAVE. I did not follow through on this because I wanted my application date to remain the original date, as I was aware of the current court cases involving SAVE. I let the agent know that I would reach out the the federal student aid department. 

Immediately after the call to MOHELA, I went to studentaid.gov and spoke to a representative via chat. I was told that their records show my SAVE application is recorded as being sent and received, and that I should not reapply. I was told that I just needed to wait a little longer for it to be processed. The representative told me that MOHELA should have placed me in forbearance until the SAVE application had gone through. I called MOHELA back and passed along this information and the new representative knew what I was talking about and placed me into administrative forbearance. 

Fast forward to today. It is XX/XX/XXXX and my SAVE application still has not gone through. My account with MOHELA shows that my payment is due again soon, with the forbearance ending in 15 days. 

XX/XX/XXXX I placed a call to Federal Student Aid to check on the application status. I was told that everything looked good on their end. They confirmed that they for sure had sent the SAVE application ( at the same time as my consolidation application ). The agent confirmed the date the applications had been sent and that my payment amount should be less that {$200.00}. She reiterated that the problem is on MOHELA 's end and it's something they need to correct. Following the phone call I sent a message to MOHELA, and I have yet to hear back. 

During this time, since my account is not placed in SAVE, the way my interest accrues is handled differently and the possibility for the months in forbearance being included in my IDR count is not likely. I am being hurt financially by their inability to process paperwork in a timely manner. Please help me, I just want to be placed on the plan I was approved for during the application.
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Dispute of Inaccurate Reporting on Auto Loan Account [ XXXX ] I am writing to formally dispute the inaccurate reporting on my Capital One auto loan account, which was paid in full and closed. Recently, I noticed that the account was reopened and is showing a balance of {$83.00}. Although I have paid off this balance, the account is still being reported as open. This is incorrect and needs to be addressed immediately. 

Additionally, there are several inaccuracies and inconsistencies in the payment history of this account : In XX/XX/2024, the account is reported as 30 days late by XXXX, but on-time by XXXX. 
The payment history shows no data for XX/XX/2024, which is inconsistent with the accounts active status at that time. 
The account is reported as 60 days late for XX/XX/2024, which is inaccurate because there is no data reporting leading up to 60 days late in XX/XX/2024. Reporting no data on an active account at the time is considered inaccurate reporting. 
These discrepancies are not only incorrect but also damaging to my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and complete. The inconsistencies in the payment history and the incorrect status of the account violate these requirements. 

I am not requesting a correction of these inaccuracies, as such corrections could potentially cause further damage to my credit report. Instead, I am requesting the complete removal of this account from my credit report due to the inaccurate and inconsistent reporting. 

Please be advised that I have also filed a complaint with the Attorney Generals office regarding this matter. 

Please conduct a thorough investigation and take the necessary steps to remove this account from my credit report. I have enclosed copies of my credit reports from XXXX and XXXX account reporting as close on XXXX but reporting as open on XXXX inconsistency-inaccurate i also did not receive any information on the title of the car being that it was paid in full
Consumer complaint received 2024-06-27
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: Experian Information Solutions Inc. (AL)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (NC)

Yes I have worked in public service for over 10 years, submitting paperwork last year in XXXX. I have been either deferred or forbearance status for XXXX years with no knowledge from the stdt loan center that i could have this work counted towards my balance which has since ballooned from XXXX to XXXX. This is pure fraud on the dept of education. I applied as mentioned before for pslf and to this date they gave me no relief for my service in the public.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am filing a complaint regarding the collection accounts reported by XXXX  XXXX Collection on my credit reports. I believe these accounts should be removed as they are not in compliance with the Fair Credit Reporting Act ( FCRA ), and my rights are being abused. XXXX  XXXX XXXX Balance Owed : {$200.00}
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-27
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: Experian Information Solutions Inc. (CT)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$2900.00}
Consumer complaint received 2024-06-27
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: Experian Information Solutions Inc. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (TX)

Received a Square Business Debit Card ( Cash app ) issued by XXXX XXXX  in my name and sent to my home address. This was fraudulently opened as I did not apply for this card, nor do I have a business account with XXXX XXXX or Square ( Cash APP ) nor do I have a business for that matter. I opened the envelope on XX/XX/22. On XX/XX/22 I attempted to contact XXXXXXXX XXXX. I was unable to find a phone number that is answered by a live person, nor was there an option to be transferred to a live person unless I had an account with them. I was unable to find a working number for their XXXX Department. I was able to find a number for Square ( Cash App ) support. I called left a message and and was called back. Spoke with an individual at a call center who after several attempts to make him understand that I wanted to report a fraudulently opened account sent me an email with a series of questions regarding the account which I answered via email. He gave me a case number and said it would be referred to their XXXX Department. He refused to provide a number for their XXXX Department, tell me when the account was opened or what information they used to authenticate who ever opened the account. 
We requested that information in writing. In addition he refused let me speak with a XXXX. He had no idea when I would be contacted. 
Today is XX/XX/22 I have received no communication from XXXX XXXX/Sqaure ( Cash APP ) verifying that this card has in fact been cancelled and acknowledging that this was not opened by me.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

On XX/XX/2022, a transaction was completed on my account for XXXX to XXXX which I did not authorize and subsequently reported to Cash App for a dispute. The funds were credited to my account and my existing card number was deactivated and reissued a new card. I have been the victim of identiy theft in the past and filed police report as well as internet crime report and an extended fraud alert added to my credit files. 

Yesterday, XX/XX/XXXX, the XXXX was deducted from my new cash app accont balance resulting in an overdraft of my account. When I reached out to Cash App support they informed me that they had reapplied the fraudulent charge and closed my dispute case. I have asked for documentation to support their decision and have not heard back. I also informed them I would be providing a police report of identity theft and Internet crime complaint.
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (MD)

The transaction in question with Identifier # XXXX was received to the account in question on Sunday XX/XX/XXXX at XXXXXXXX XXXX as a gift in the amount of {$30.00}. However, It was never deposited meaning it never reflected within the account. The company involved continuously discloses unauthorized account details from past transaction that are irrelevant to the matter and suggest a negative balance that the account did not express.