davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (OH)

On XX/XX/2022 I was given the pre-approval with the mortgage company Veterans United for a mortgage of up to {$140000.00} with the current state of my hourly pay at {$13.00}. The hone I planned to purchase was accepted as an offer of {$130000.00}. Upon us paying for the inspection and then the appraisal as the purchaser it seemed ironic when the seller would be able to use the appraisal and inspection reports upon the sale whether this contract succeed or another buyer is located. Upon XX/XX/XXXX the purchase signed agreement was completed, with the tentative closing date to which would be XXXXas we came close to the closing date the Veteran 's United team provided the final underwrite review they were concerned about some of the bills which could have easily been paid and rolled into the loan if the were obstacles that were there in the initial preapproval of the application. Without regards for the partner, XXXX XXXX, acting as my proxy during the entire process having the requested actions or documents needing review be the denied mortgage and unnecessary cost incurred should be reassessed as to who should pay when best practice would dictate the seller in any case.
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. (NY)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

On XX/XX/year>, I submitted a payment of {$280.00} to Mohela via their online platform to pay off XXXX of my loans in full. I received and will provide a financial bank statement confirmation of this payment being withdrawn from my primary checking account. I reached out to Mohela in XXXX to inquire whether or not that payment was received and I received an email back letting me know that there was a message in my Mohela inbox. When I logged into Mohela, I was met with a login page letting me know that Mohela was transferring systems and that I was not able to view the message. 

When I received the new login platform availability, I was able to log in and review my account. Upon logging in, I observed that not only had my payment on XX/XX/year> not been reflected in my account, but that it was continuing to accrue interest. I reached out to Mohela the week of XX/XX/year>, to find out why my payment had not been reflected despite it being pulled from my bank several weeks prior, but have not heard back. 

As my account continues to accrue interest, I am now filing a complaint with the CFPB to seek a resolution and possible remediation. I can't help but assume that a company as dishonest and predatory as Mohela may be doing this on a larger scale, intentionally or due to gross negligence. If they are delaying payment processing for one person, even profiting less than {$2.00}, it stands to reason that they may be doing this to hundreds of thousands of borrowers, to the tune of hundreds of thousands of dollars in ill-gotten gains.
Consumer complaint received 2024-09-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc. (FL)

I am a XXXX XXXX XXXX XXXX, and as a result of this exploitation, multiple fraudulent collection accounts have appeared on my credit report, all listed under SUMMIT A R, with the original creditor being XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened without my consent during a time when I was being XXXX, and I have no involvement or knowledge of these transactions. 

Here are the key details : Date Opened : XX/XX/year> Amounts Involved : {$1400.00}, {$640.00}, {$750.00}, {$210.00}, {$510.00}, {$990.00}, and {$400.00} Account Status : All accounts are currently reported as Collection/Chargeoff with a derogatory status. 
Last Reported Date : XX/XX/year> I have disputed these accounts directly with the credit bureaus, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605C and 609 ( e ), to have these fraudulent accounts removed. These entries are causing significant damage to my credit profile, which is particularly distressing considering my status as a XXXX  XXXX. I am seeking immediate removal of these accounts from all reporting agencies as they are directly tied to my victimization. 

Thank you for addressing this matter with urgency and compassion.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (LA)

This is an application that is available to help people with their credit, but it did the opposite to mine. I enrolled in a " fake line of credit '' so I could attempt to rebuild my credit history. They are a scam! They make it sound like you are getting a credit account but dont tell you till after you agree to it that its just a fake account. I did not understand the concept and attempted to disengage. Meanwhile, they were attempting to charge me {$20.00} a month and dinging my credit because I changed banks, and they were not receiving any money. Let me be VERY clear, I did not borrow or receive any money from this application. They are treating me as if I defaulted on a credit account that he never received. You are essentially paying for an account that gives you a fake line of credit. If you don't cancel the account appropriately, they keep charging you and report that you missed payments which is what happened to me. The actions taken by XXXX have led to a significant drop in my XXXX XXXX. This drop has caused various inconveniences, including higher interest rates on loans and difficulty in obtaining credit. 

Legal Concerns : According to credit reporting regulations, specifically the Fair Credit Reporting Act ( FCRA ) and other relevant laws, all information reported to credit bureaus must be accurate, verifiable, and up-to-date. The discrepancies and negative entries associated with my account appear to contradict these requirements. Moreover, under the FCRA, individuals are entitled to a fair and accurate credit report, and any inaccuracies must be promptly corrected upon notification. I did not receive a loan, no money was in my possession like a loan or credit card, so I should not be penalized. They have refused to have my credit report updated and these alleged missed payments corrected on my credit reports. There are complaints all over the web regarding this.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I recently requested to remove 3 delinquencies from my auto loan with Capital one for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Congress recently passed a law to protect consumers from being late. 15 USC 1666B ( a ). A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. With the unprecedented times and the rising cost of living I admit that I have faced financial hardship. I am trying my best to repair my credit to put myself in a better situation to provide a home for my XXXX children. If I am able to remove these 3 late payments it would be helpful. I not only have an auto loan with Capital one but I have several other accounts with them as well.
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

I have the Chase United Explorer card that said it provided 2 passes to the United Club every year, and notes the passes are good for a year. The card fee is {$95.00}. I specifically get the card for this purpose as the passes cost more than {$95.00}. I do not keep a balance on the card or need it for credit purposes, and I dont care about the miles earned on purchases as this is not my primary card. 
I saved the passes knowing I was taking one international trip on United and tried to use them today. We were denied access to the lounge- they said it was full but continued to let other people with memberships in. I called Chase to ask to have the passes extended ( they expire on XX/XX/XXXX ) as Im not travelling home until XX/XX/XXXX, and they said they couldnt and I should have used the passes earlier. The is a clear case of completely misleading advertising - the passes are actually worthless.
Consumer complaint received 2024-06-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

This is not my debt. I've never had a XXXX account. They've been harassing me for over XXXX years about an account that is not mine & I would like this investigated. It's affecting my housing, employment, being able to get a car.
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Credit card bill was due on XX/XX/XXXX Paid off credit card balance on XX/XX/XXXX ( paid amount higher than what was listed as current balance online that day ). After balance was paid, checked account and saw that it was in fact overpaid- showing a negative balance. 
Was reviewing my credit card info on credit karma and noticed that I now had a {$52.00} balance on my capital one account - despite overpaying the balance account prior to the date the bill was due. 
Called Capital one to ask why I was being charged {$170.00} in interest when I had a XXXX balance. Asked if they could at minimum remove the {$52.00} balance on the account if they could not credit back the full {$170.00} charged. They refused to remove the interest charge - despite me paying over the full balance of the account the month prior. 
I had paid off credit cards in the past and have never been charged interest the following month when my account balance was {$0.00}. I informed capital one of this and they didnt care. I explained the entire point of paying off my card ( beyond the actual balance ) was to avoid any future interest charges. They were still unwilling to waive the remaining {$52.00} of interest-despite the account being paid in full prior to the due date.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My auto pays were being declined, I phoned the bank the Wednesday before XXXX and was told that I needed to go to a branch with ID, and if I failed to do so, my account would be closed in 8 days. When I asked for the reason, I was told the account had fraudulent activity. I asked what kind of fraudulent activity I was told that was all the info they would give me. On XX/XX/2023 I went to a Chase branch with ID and was told the account would be accessible in 48 hours. It is XXXX XXXX, XXXX  and I am unable to get cash or pay bills. I explained that I am XXXX and my husband is XXXX and we need these assets to live on, that I now live 1.5 hours away from a Chase bank. And according to NYS ELDER LAW, it is a felony to withhold assets from a vulnerable, elderly person who needs those assets to live on. They have lied consistently about when my account will be unfrozen, and refused to give me an additional information.
Consumer complaint received 2024-07-04
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. (FL)

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 2024-07-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Due to XXXX I was unable to make the full payment amount on the due dates given when I first got the car, when I called to see if I could be set up on a payment plan like my app had said the company gave me XXXX options, XXXX I could afford at the time and one that was too expensive to try as an option. When setting me up on the payment plan the company did not explain that I would be missing my current payments and the auto pay they set me up on was only for the missed payment from before which then caused me to miss even more and fall more behind, as well as not getting a single notification via email/text/call like I should have been given. When the repossession occurred the tow company came on to private property and was told he was not allowed to be here by the property owner, manger of the establishment on the property, vehicle owner, and the security guard in which the driver rolled his window up in each of their faces and went ahead with repossession. After already having the car the loan company and repossession company are being extremely difficult in trying to receive personal property from the car which in turn has very important documents in it since I had just started to move states.
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I made a wire transfer that should have taken 1 day to come in for {$1900.00} to XXXX using my XXXX XXXX XXXXXXXX account. XXXX sent the wire over and XXXX has the money. I followed step by step and walked through with a support agent on the phone and they told me I did everything right. 

Their response was through email : Hi there XXXX, Im happy to look into this for you. Can you provide the following information? 
-Date transaction initiated -Name on the depositing account ( please include all names if its a joint account, or business account ) -The amount sent -IMAD number/Reference number for the transaction This will assist us in locating your deposit. 

Thanks, XXXX Support Team -- -- -- I replied back 5 mins later : Date transaction initiated : X/XX/2018 Name on depositing account : XXXX XXXX Amount Sent : {$1900.00} Reference Number : -- -- -- -- - ( not sure if i should include this ) -- -- 4 days later no response from their team and they refuse to give an ETA on when the wire will transfer when it was supposed to be a 1 day transfer. I even paid the extra {$10.00} fee for the 1 day transfer, and now we border 4 days, no response, no ETA, no communication. 

This is ridiculously absurd because tons of people have had issues with XXXX wire transfers not coming in through as promised. Reading up on some stories, it took a 1 day wire transfer 1 month to come through and several other testimonials with things like this. 

Please help me get what was promised from the company XXXX Thank you, Best, XXXX XXXX
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have informed Transunion by several disputed in the past that the accounts that they are listing on my credit report do not belong to me. I have explained that I have no knowledge of the following accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, there is also accounts listed for XXXX XXXX XXXX. There are two addresses listed that I have never lived at XXXX XXXX, & XXXX XXXX XXXX. Also there are several inquires that they refuse to do anything about they say contact the companies I did the companies say contact them this has been on going back & forth & back & forth again for these XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, they have several duplications of XXXX listed as well and XXXX.
Consumer complaint received 2024-06-24
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. (CA)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-23
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. (CA)

Equifax representatives inserted fraudulent inquiry from XXXX XXXX XXXX on XX/XX/year>, though the inquiry is dated XX/XX/year>. After speaking with representative XXXX and office of consumer affairs deleting an accurate and fraudulent information from credit profile. XXXX provided confirmation number XXXX that were in reference to the four fraudulent inquiries that were removed and a confirmation number of XXXX for the updated credit report showing removal of inaccuracy. minutes after disconnecting call with XXXX another Equifax representative inserted a fraudulent inquiry from XXXX XXXX XXXX onto credit report. After several attempts contacting Equifax notifying them of occurrence representatives denied to raise dispute or investigate. representatives has lied about their identity as well as procedures and protocols for disputing an accurate unverifiable or incomplete information. Employees create their own rules and guidelines. 
Equifax representatives continuously commit fraud upon credit report. These representatives has access my credit profile without my consent/authorization or knowledge. Fraudulent activity consist of multiple frivolous disputes, falsifying documentation, failure to investigate multiple occurrences and refused to cease fraud upon profile, deletion of accounts, insertion of awed XXXX information on credit report. This intentional repeated illegal behavior has led to great hardship. This ongoing harassment is a delivered violation of consumer rights. Equifax has been provided with identity theft report that has been ignored. This lawless behavior has been reported to the CFPB on several occasions without resolution or enforcing its role as an intermediary between consumers and reporting agencies. The FCRA has strict guidelines that mandates both report and agency and bureau to uphold their due diligence. These agencies are to protect and furnish accuracy to consumers profile. Violation of these laws has penalties and Financial compensation for consumer. This fraud behavior has been going on since XXXX. Regardless of multiple attempts to escalate fraudulent behavior to superiors and opening several complaints, mischievous and fraudulent behavior still consist on a daily basis. Names of some of these representatives would be but not limited to XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX,
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

They keep closing my accounts without talking to me via phone or in a local branch. I had a women that is a under cover agent I used to date and didnt know giving enlisted XXXX individuals my info and bank account where they were logging in online and XXXX  my money to herself and others my XXXX XXXXXXXX payments from XXXX XXXX XXXX XXXX  the trying to close my XXXX account down. I need a investigation and compensation over XXXXXXXX XXXX
Consumer complaint received 2024-06-21
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

Hello, I am a young professional beginning to process of repaying federal student loans after the repayment pause from the era of the COVID19 pandemic. I applied for the XXXX repayment plan on XX/XX/2023 through the service provider XXXX and was approved. I then began applying for XXXX XXXX XXXX XXXX ( PSLF ) on XX/XX/2023 and was transferred to the service provider MOHELA. My PSLF payments were approved. 

Currently, my loans are under a mystery repayment plan called " SAVE-Alternative '' that does not reflect the payment amount promised in my approved application from XXXX or XXXX my account with the federal government. All attempts to contact MOHELA via phone and portal messaging to gain more information about this payment plan have failed thus far. Additionally, my new application ( submitted XX/XX/2023 ) to correct my repayment plan to SAVE have been met with significant and unreasonable delays of up to 90 days, and my loans are still showing as being due on XX/XX/2023 despite the fact that they should be in forbearance while my application is being processed. 

Please help me come to a reasonable resolution with an unreasonable institution called MOHELA.