davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (SC)

MOHELA transferred loans to new StudentAid MOHELA platform in late XX/XX/XXXX. There is a line item in the account history from XX/XX/XXXX : XX/XX/XXXX Capitalized Interest {$1000.00} MOHELA told me on the phone ( talked to representative then supervisor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they can not identify any qualifying events for capitalization in XX/XX/XXXX. Also stated this capitalized interest was " from prior servicer ''. However the principal of my loan has increased from the initial disbursement, and MOHELA. 

Call reference number XXXX XXXX XXXXXXXX Online records of prior account statements are no longer available. I asked to have physical copies of all statements from prior account be mailed to me. The supervisor stated she would arrange this. It has been flagged for further investigation. 

I am concerned other borrowers may be similar affected by inappropriate interest capitalization and would like the CFPB to investigate my case and others.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, all of a sudden I received an email from Chase stating that " after careful review '' they decided to close my accounts. 

This included my checking account and my credit card, everything with no explanation at all. The email said I was gon na receive a letter in the mail supposedly to explain the reasons as to why my accounts were closed, I was very surprised when I see literally no reasons on that letter explaining anything at all. 

I went in branch and they told me exactly the same thing, they said they " were not allowed to provide information in this type of scenario ''. 

They also told me that my credit card was not being affected and it would stay open ( which was a total lie ). 

I'm extremely disappointing at Chase and this stupid way of handling things like if everything was top secret and me not being able to know the reasons why my own account got closed for.
Consumer complaint received 2024-07-09
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. (AZ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX 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 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NE)

I was laid off from my job on XX/XX/year>. I immediately called Adivantage and told them the situation. I am on an income driven repayment plan and told them my income had changed because of the loss of my job. I was informed on XX/XX/XXXX that all I needed to do was send a letter from my employer stating I no longer worked there. I received that letter and provided it to Aidvantage. 

I had my loan placed in a forbearance by Aidvantage and didn't hear anything back from them. In XXXX of XXXX  I called Aidvantage multiple times and asked about the status of my income driven repayment plan. I was told once that everything I had provided was fine, that was with a supervisor, and then told I needed to complete a new income driven repayment application with the Federal Government. I heard nothing back from them and received emails in XXXX stating the loan amount wasn't changing. I think called back to Aidvantage who told me I needed to submit a letter stating I was starting my own business and my loan would be recalculated. This information ultimately turned out to be false. I had to call Aidvantage in the beginning of XXXX because my loan amount still had not changed, and it was then that I learned that I needed to complete a new application with the federal government and provide one of my wife 's paystubs to have my income driven repayment plan approved. 

However, in between XXXX, when I first called, and XXXX when I was actually given the correct information, the Federal Government had an injunction placed against them and they stopped processing income driven repayment plans. I am now stuck with having to put my loans in a voluntary forbearance because I do not qualify for any other forbearance or way to lower my monthly payment which is nearly {$2000.00} per month. I am not stuck with incredible interest that will accrue on my account and not get credit for however many months it takes to have the injunction lifted, if it is ever lifted. 

I would further add that Aidvantange asked if I wanted to opt out of my income driven repayment plan, which would wipeout the months that I have already paid in. 

In summary, Aidvantage is costing me tens of thousands of dollars, caused me to have to use my voluntary forbearance unnecessarily, and actively attempted to remove me from the income driven repayment plan, which I believe to be a deliberate attempt to defraud me.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (GA)

US Bank NA offers and promotes a Visa credit card ( Cash+ Rewards ) that earns 5 % cash rewards on several merchant categories. The cardholder must select two qualifying merchant categories with US Bank, and then charges from merchants in those two selected merchant categories will receive 5 % cash rewards on up to {$2000.00} of eligible charges each calendar quarter in the two selected merchant categories. See attachment. Specifically, utility companies and streaming companies are included in the 5 % merchant categories. However, US Bank 's billing system is not set up to correctly calculate the 5 % rewards, and therefore consumers are not correctly provided all credit that is due when statements are prepared by US Bank. Specifically, for me, I selected utilities and streaming services as my two merchant categories for the 5 % reward ( I made and confirmed with US Bank the two selections before any charges were made with the credit card ). When charges posted to may account, I verified on the US Bank website that all charges posted using a merchant category of either Utilities or Streaming Services. So, all of my charges should have been eligible for the 5 % cash rewards. However, when my statement dropped, I was provided a cash rewards credit of just over 1 %, when it should have been 5 %. See attachment. US Bank employees were not able to provide an explanation.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and XXXX entitled to monetary compensation under FCRA XXXX XXXX Code XXXX - XXXX U.S.C. 
XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( XXXX ) In general A consumer reporting agency XXXX furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA XXXX XXXX Code XXXX ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( XXXX ) such number of punitive damages as the court XXXX allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under XXXX XXXX Code XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). 

Your agency is in violation of the law! According to XXXX XXXX. XXXX Section XXXX ( a ), I have the right to privacy. Additionally, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, XXXX XXXX. XXXX ( a ) ( XXXX ) specifies that no consumer reporting agency XXXX include any adverse information in a consumer report, other than records of convictions of crimes, that is older than XXXX years. 

Under XXXX XXXX. XXXX ( a ) ( XXXX ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (MO)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-13
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. (IL)

Credit bureaus refuse to remove accounts created due to my identity being stolen and used for several years before the culprit returned to XXXX and stopped using and paying the accounts. As a result they hit MY credit reports and the bureaus refuse to remove them. I have sent all evidence to all XXXX bureaus, including a copy of the police report, FTC ID Theft report, and a letter from the XXXX  stating I was a victim of ID theft and must use a pin to file now and forever. But the bureaus insist they can't remove it " bc the information matches you '' - completely oblivious to how ID Theft works! They ignore all my correspondence and simply state they will not process it - siding XXXX the debtors who screwed up in the first place and should have never allowed these accounts to be opened!!! PLEASE HELP!
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX processed a fraudulent loan/order, in my name, that I did not authorize. I have called 11 times over the past three ( 3 ) months as well as repeatedly sent all documentation proving that it was never authorized and requesting it removed from my account. They are refusing to assist. 

XXXX is now reporting it as past due, causing my credit to take a significant hit - this is stressful as my husband and I are currently in pre-approval for a house purchase. This has greatly affected everything in our process. I did not place this order or authorize this loan - Ive contacted a lawyer due to these fraudulent business practices. There was a class action suit against XXXX in 2023 - Ive submitted info to get another one started. I have filed a report with the FTC as well as all three credit bureaus. Please help.
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (WA)

On XX/XX/XXXX I received a letter my mortgage had been transfer to a new company Freedom Mortgage. The letter included how to set up your account. New account number and amounted owed. The amount owed on the letter was XXXX. I set up an account on-line. When I went to make payment I couldn't log on didn't recognize my SS #. So I mailed the check on XX/XX/XXXX. On XX/XX/XXXX I received my new senior tax exemption from the county. I called the mortgage company talked to XXXX she said to mail it and gave me the address. I mailed the tax on XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX to see if it was received. No they haven't gotten it. So then she transferred me to XXXX and she gave me the fax number and said they would run an XXXX analysis when received. I faxed it received a confirmation sheet back saying it went. On XX/XX/XXXX I received a statement saying I owed XXXX for XXXX. I already paid what the first letter said the check was cashed on XX/XX/XXXX. 
I called XXXX XXXX regarding the taxes. They said in XXXX they refunded the taxes of XXXX and XXXX to XXXX of XXXX ( old mortgage company ). I called them they sent the money to XXXX on XX/XX/XXXX. On XX/XX/XXXX I called an talked to XXXX. She said they didn't received anything. I told her they paid the taxes which was XXXX. She said taxes was never so low. I told her I had an senior exemption. She put in research request and a XXXX anaylsis. They still say I owe XXXX. Called today still not straightened out. They put the XXXX in the XXXX but not the XXXX. I think they are trying to keep that money. I don't understand what they are doing. Please help me.
Consumer complaint received 2024-07-09
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. (AZ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (OR)

I received a bank statement from Marcus by Goldman Sachs. I never opened an account with them before or any knowledge of this bank before this. There was a charge with money deposited and then withdrawn from the account. I called to let them know I did not open the account and was told to file a police report
Consumer complaint received 2024-06-04
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. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. Please UPDATE and CORRECT the status of the account below : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 a 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 peoples 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 be can get sued for these damages. This is negatively effecting 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 arent removed immediately
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (NJ)

Beginning XX/XX/XXXX until XX/XX/XXXX, Chase Bank charged my Total Checking account XXXX maintenance fees of {$12.00} each while the account was " dormant '' ( entirely invisible to the account owner via the website ). Here, " dormant '' does not mean " hidden '', as Chase does offer the option to Show or Hide accounts on their online banking website. I know this because I looked deliberately for my account multiple times during this period because I remembered opening a Chase checking account. However, when I found that there was no checking account listed on the Chase online banking portal, but my other accounts and their balances were consistently listed correctly, I reasonably determined that the account I was looking for had been closed. It would be certianly unreasonable and possibly illegal for Chase to hide an account from a customer, preventing them from using online banking features and monitoring its balance, while simultaneously collecting objectionable fees on that account every month that any reasonable person would notice if they were provided visibility into their account 's balance. After calling Chase customer service on XX/XX/XXXX, I was notified for the first time that my account was " dormant '' by a Chase agent, and they reactivated my account. I then discovered XXXX fee transactions that were not just unknown to me, but UNKNOWABLE without the unreasonable customer action I took of calling customer service to confirm the very existence of the account. Chase has refunded me XXXX of the XXXX fee collections. An account that has ANY form of monthly activity, whether it is in the form of customer usage or fee collection by the bank, should NEVER be allowed to be marked as dormant and the account 's entire existence hidden from the customer through normal facilities such as the Chase website. This practice enables account facilitators like Chase to drain accounts using fees while providing no service or notice to the customer of any change to their balance.