davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (LA)

To whom it XXXX concern, on XX/XX/year> I received information in the mail from Mohela in regard to student loan repayment details, how to make payments, contact information, and a bill statement. My concern is the amount owed. Mohela sent out a statement with a due date of XX/XX/year> and break down of each loan with a different account number that stated I owed {$22000.00} in loan amounts. Pre the information I received on yesterday with a different account number, I now owe {$23000.00} ( XXXX  ), {$12000.00} ( XXXX  ) totaling a principal balance of {$35000.00} plus {$150.00} ( ACCRUED UNPAID INTEREST ) plus {$24000.00} ( INTEREST PAYABLE ) total amount to be repaid {$60000.00}. I'm so confused? How can the amount change from XXXX account to another account? I called Mohela on XX/XX/year> and the customer service agent stated that this amount was correct by their records. I need answers. 

Thank you!
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (WI)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00}.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

Mohela has changed my payment amounts, at random. When I call customer service to seek explanation, after waiting on hold for literal hours, sometimes I get no help, sometimes I get hung up on, and sometimes I get conflicting information from one customer service rep to another. 

Additionally, the amount of my monthly payment on the SAVE play is more than double what it was on the REPAYE plan. I can not afford more than $ XXXX in loans- if I could, I wouldn't have had to take out loans in the first place. Mohela is unable to explain why the payments are so high and are unwilling to adjust them on the PSLF.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

MOHELA engages in call deflection which is what they call their deliberate strategy to make sure it is difficult to speak to a real human being. They design their system to trap you in doom loops and force you to wait on hold for hours before speaking to someone. If you do end up speaking to someone, they often give false and misleading information with no written records of the conversation to prove that you were just following their bad advice.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

I needed to pay a bill so I went into my Sofi banking app XXXX XXXX and logged in and when I did it said my account is restricted. I have called over 20 times, messaged them on social media and email and still have not got my account off restriction or been told why it got restricted in the first place. All of my money in my account is {$5900.00} and its not accessible to withdraw or transfer. 

When I spoke to security team on the phone all they say is wait for my review to be updated however, there is no given time frame and i desperately need my funds to eat and pay my rent.
Consumer complaint received 2024-07-12
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. (WA)

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to Opt Out from consumer reporting. I ' ve attempted to and was denied my federally protected rights per the Privacy Act of 1974. See attachment for further details on the creditor and account details.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

WELLS FARGO CARD SERVICES XXXX
Consumer complaint received 2024-08-02
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)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In 2020 when trying to purchase my house I found out that I was put on a credit card as an authorized user without my consent. I sent an hand written letter to capital one explaining what was going on. So in the meantime I was allowed to purchase my home thinking that this situation was solved but come find out earlier this year in XXXX I found out that I was still an authorized user..Never had a card or even made any purchases through this company. When I finally found out who added me he died a week later, making me responsible for the amount thats over {$6000.00} Ive repeatedly calling capital one and IRS explaining to them whats going on but theyre basically telling me that Im responsible.
Consumer complaint received 2024-08-02
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. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. This account has been disputed under identity theft which was reported to your CRA and the then creditor turned around and sold it to a collection firm. Please see attached documents provided by this collection firm. None of the signatures match my signature ( see also attached drivers License ). The account details are as follows : XXXX XXXX XXXX and Acct # XXXX
Consumer complaint received 2019-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/XXXX, I contacted Portfolio Recovery and stated to them after reviewing my credit report I have 2 entries on my credit report with the same account number for 2 different amounts. 

Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Account Balance Loan Amount {$2400.00} Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Balance Loan Amount {$470.00} XX/XX/XXXX I also asked to please validate the loan in writing, and so far they have not sent me any information on the loan that I requested. Here is what I requested : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

In light of Covd19 I have been trying to contact Rushmore Loan Servicing about Forebearance or assistance with reduced payments during this time. My income has been tremendously effected at this time and I am unable to make a full payment. I do not want my credit affected, as well. 

I have tried numerous times to make a phone call and they are not taking calls. The message states to go online however in doing so the ability to chat or send an email is also null and void. 

This company has STOPPED ALL LINES OF COMMUNICATION. 

IT IS AS THOUGH THEY DO NOT WANT TO ASSIST COSTUMERS IN ANY WAY. 

CAN YOU PLEASE HELP ME AND COUNTLESS OTHER CUSTOMERS WHOM ARE TRYING TO GET THIS ISSUE RESOLVED. 

THANK YOU
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MO)

On XX/XX/year>. My sister sent me {$1500.00} from her account to my XXXX account that was connected to any Navy Federal account. 
Also the same days she was going to send me {$3500.00} to my personal account. I gave her the information to send but I realize that the account was not good I told her do not worry about it. For some reason, there was a lack of miscommunication. Because she thought she never submitted it until she went thru her account. At the time, I did not communicate to her about it because I never received the money so she didnt know it went thru. Well after talking to Navy. She deposited the money in my saving account. and they stated because I owed them for a car, they were legally right in going into my saving account taking to the money. I did not authorize that transaction,
Consumer complaint received 2024-07-22
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: NAVY FEDERAL CREDIT UNION (PA)

My information was disclosed/Shared to a third party without my permissible purpose or written/verbal consent! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization that I, XXXX XXXX XXXX, XXXX have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY! 

My Financial information was shared with XXXX XXXX XXXX without My Consent. 
I do not want any of my financial information about my checking account shared with XXXX XXXX XXXX in anyway.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/year> I transferred a negotiable instrument in the amount of {$50000.00} to Navy Federal Credit Union ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ) as payment in full for my vehicle loan account Ending in XXXX. After it was received by the company, I noticed that credits of the equal amount of the instrument were not applied to my account causing my account to be delinquent. It is now a fact that Navy Federal is not in compliance with the XXXX XXXX XXXX. I've reached out to them regarding this matter and they return a vague response of " The documents you sent were not valid and do not release you from your obligations ''. This is a willful act of non-compliance and also fraud. Under the XXXX Article XXXX, A negotiable instrument must carry all of the characteristics mentioned below to be a valid form of payment : 1. Must be written 2. Must be payable to bearer or to order 3. Must include an unconditional order or promise to pay 4. Must be signed by the maker 5. Must be payable at a specific time or on demand 6. Must contain a fixed amount of money to be paid 7. Must identify parties Since this instrument carries all of these characteristics, it is a valid form of payment despite company policies or regulations because the rules do not supersede the XXXX XXXX XXXX. 
This article also governs the acceptance or refusal of these instruments. Navy Federal explicitly said that this form of payment was not valid and that they did not accept it. Under XXXX XXXX of the XXXX XXXX XXXX this instrument still discharges the obligation. This section clearly states that if tender of an obligation is made to the person entitled to enforce the obligation and the tender is refused, there is still discharge to the extent of the amount tendered. Regardless of Navy Federal 's accepted or refusal, the obligation is paid in full and this payment should reflect in my account.
Consumer complaint received 2024-07-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc. (SC)

My Dept of Education student loans contained a XXXX balance. The loans are showing as being paid off at 41 % ( XXXX report ). The XXXX website is down. My Experian report is reporting a XXXX balance from the Dept. of Education.
Consumer complaint received 2024-07-20
Product: Credit 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: WELLS FARGO & COMPANY (CA)

My husband is XXXX XXXX XXXX, and he was taken in by a " you won a big PRIZE! '' scam. The scammers told him to pay " fees & taxes '' and then demanded more and more, becoming very threatening if he did not comply. 

When I found out what was going on, I tried to stop it, but it was too late. He had already used credit cards to buy XXXX  of dollars of gift cards to " pay '' the scammer demands. 

All of this has been reported to the authorities. I obtained a power of attorney to act on his behalf, since he was not able to handle the situation. Using the POA, I contacted the credit card companies and asked them to delete the transactions he had made while being threatened and terrorized. 

They refused to honor my POA and they refused to delete the transactions.
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT of 1974 As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (LA)

An entity used XXXX attempted to open a line of credit in my name without my permission ... My ID care caught the fraudulent activity ... all XXXX credit bureaus XXXX XXXX XXXX XXXXXXXX showed the activity/inquiry for a new line of credit .... I am worried that someone has my social security number ... all happening during XXXX
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

PayPal charged me a {$41.00} late fee. I have been a customer for years, have always paid on time, and have never had a large amount of outstanding debt with them. I have always paid on time and I promptly paid shortly after I saw the fee. This was entirely unnecessary.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (SC)

I have been trying to get an account with XXXX XXXX for over XXXX  years and they continue to deny me without giving me a proper reason. I am asking for an investigation as to why?
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OK)

Every time I tryed to use the card it will decline, I called synchrony bank which is where my card is issued from, I explained what's happening when I try to use, customer services advise to a link and provied a photo ID and a video of my face from side to side, and a copy of my drivers license front and back, I asked what the reason for this, I was told this was for security reason, I advised them that they have my social security number and address and my credit report, I was never given a legitmate reason as to why this information was required from me. The number for their customer service that I call is XXXX.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (OH)

I am behind on my credit card payments with Synchrony Bank. Synchrony Bank has been calling me but I have not answered. On XX/XX/XXXX, I made ONE payment to my Synchrony Bank PayPal Master Card account in the amount of {$200.00}. Synchrony Bank then charged me an additional {$270.00} on my PayPal Master Card on XX/XX/XXXX. On a different Synchrony Care Credit Card account, Synchrony Bank Charged me {$110.00} on XX/XX/XXXX. I have auto pay turned off for both accounts, I did not make any additional payments for {$270.00} or {$110.00}, and I did not authorize the charges. When I called to have the money returned, my only option was to have the money returned via U.S. Mail.