davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these invalidated claims.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NM)

My name is XXXX XXXX. I am a XXXX XXXX in New mexico. I have severalstudent loans, XXXX XXXXXXXX Unsubsidized and others XXXX  student PLUS all managed by MOHELA after they were transferred there from XXXX XXXX student loans. I am currently in repayment through the XXXX XXXX plan. Over the last few months I have had to contact MOHELA multiple times for a variety of options. They took over XXXX months to process my verificationof employment and get me on the XXXX after applying throughstudentaid.gov. Currently I am enrolled in auto debit, and they have said my auto debit is based on my " old loans '', unclear what this means. I am not able to modify my auto debit amount or cancel my auto debit setting on their website. Calling them results in at least a XXXX minute wait time, and I am often directed to change these settings throughtheir website. Every time I have attempted to do that, or modify the auto debit in any way I get an error message " Your auto debit payment has already been sent for processing. You may come back to request an additional amount change after your current due date has passed. '' Despite wheneverI try to do this. I am also enrolled in the PLSF, and getting my employmentverification through MOHELA has been a difficult task, requiring multiple phone calls and hours of my life. Currently I am trying to pay my loans, last month the lower auto debit loans were not the full payment, and I made the difference 4 days later, and promptly got a message and email that my payment was late. They are quick to demand their money, and slow to offer any assistance. I am reaching out to request any assistance with this. MOHELA is currently in an active class action lawsuit. The amount of loans they service after becomingthe official federal student loan processing company is obviouslytoo much for their capabilities. They clearly care more about their profit than helping student loan borrowers. I appreciate your time and assistance, and patiently await your response.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit act this creditors have violated my rights. Under 15usc1681 section 602 states I have the right to privacy 15usc 1681 section604 section 2 states a consumer reporting agencies can not furnish an account with out my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account Under a open in consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

I have contacted Mohela many times for the same issue back since XX/XX/XXXX. I called and spoke to XXXX different reps again today and I was hung up by XXXX of them. My IDR date has not been corrected as I was told that it would get corrected months ago. XX/XX/XXXX again and I was told that they have XXXX different IDR dates XXXX for XX/XX/XXXX and XX/XX/XXXX and the rep was not even sure why there were XXXX different dates listed. Both these dates are incorrect. I asked to speak to a Mohela supervisor since I keep getting the run around but I was told that I could not speak to a supervisor. I have a date of XX/XX/XXXX listed on Mohela website to recertify but is is incorrect because based on XXXX XXXX, my recertification would be pushed out by XXXX year because I fall under the date listed to not be required to recertify " earlierst you could be required to recertify is XX/XX/XXXX. I need for Mohela to follow XXXX guidelines and " push out my XXXX recertification date by XXXX year to XXXX as soon as possible. The date to recertify is approaching but agian it is incorrect, and I am not required to recertify until the year XXXX. The letter I have attached shows the guidelines to follow from XXXX webstite that recertifcation are not required and recertification would " be pushed out by XXXX year '' Mohela needs to be found accountable for reporting incorrect information and not correcting information as they have promised many times over the phone. This has caused me mental health issues. I ask that cfpb assit me and resolve this by contacting Mohela to immediately update my IDR recertification year to XXXX
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

On XX/XX/2023, I submitted all required documents, including my XXXX application, to MOHELA. However, my documents were rejected on XX/XX/2023 without a clear explanation. In response to the rejection, I promptly submitted updated documentation to address any concerns raised by MOHELA. Despite my efforts, I have not received any communication or acknowledgment from MOHELA regarding the status of this updated submission. The lack of communication and transparency from MOHELA has left me in a precarious situation, as I am committed to complying with the XXXX program requirements in good faith. MOHELA 's lack of care when it comes to this situation ( long phone waits ) and seek clarification have proven fruitless, exacerbating the stress and uncertainty surrounding my financial obligations.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

Mohela was given servicer responsibilities for my student loans in XX/XX/2022 A portion of those loans had been forgiven through PLSF through the prior servicer FEDLOANSERVICING. Since that time MOHELA has sent mail and answered the phone after expected long waits, but they have done nothing to help me discharge the loans and have done everything to attempt to " recoup '' their " cost '' through charging interest on previously discharged loans and failing to consolidate current loans that would fit into income driven repayment schedules. MOHELA has stated clearly that they do not do consolidation, but as servicer they have responsibilities to complete actions approved by the DEPT of ED which are being unduly delayed. Since MOHELA being named servicer, my loans have gone delinquent even though " over- payments '' have been sent. MOHELA has attempted to confuse the issue by sending bills for the same payment to my wife in an attempt to " confound '' and prolong debt service. 
I am in no way denying my debt. I am attempting to manage that debt with tools provided by the federal government and the servicer is attempting to profit. 
I simply want my loans consolidated so they can be placed in an income dependent repayment status.
Consumer complaint received 2024-04-13
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. (NM)

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. 
Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX ), Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A. States I have a right to privacy.

15 U.S.C.1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an 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 7 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 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

Submitted SAVE plan in XXXX and it is still pending- Mohela XXXX not communicate any information/a timeline to me. I would weekly check to see the status without it moving. Mohela placed my loan in administrative forbearance without any communication that this action was taken. They then removed me and stated I had late payments without any communication. I have messaged Mohela on the following dates : XX/XX/28, XXXX, XXXX and have not received any responses. I have called Mohela on XXXX separate occasions and due to waits over XXXX hour, I requested call backs that I never received. The only callback I received was 2 days after my call on a Friday evening when I was unavailable. Mohela has still not communicated with me regarding my XXXX plan being processed and I found out today that I was placed back in forbearance without any communication. 
Mohela continued to send me past due bills while continuing not to respond to my messages and calls.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

I made payments towards my loans and they applied the payments to interest that should not have existed on my account. They only remedied this when I called it out to them on a phone call with their agent. There wasn't an acknowledgement of their error. I keep meticulous records of my payments but their website does not provide much for clarity on my payments and how they are being applied. I do NOT have confident in them being an adequate loan servicer for my loans and they will be a detriment to my success in repaying my loans. They are so terrible that the Department of Education publicly withheld payment for services because they were not able to accurately return millions to repayment, me included. 

Same issue as before where they still haven't paid out on the legislatively guaranteed refund of XXXX payments : Called to request refund of payments made during the XXXX forbearance on XX/XX/XXXX. Was told they needed 90 days to process the request. Followed up for status check to confirm that request was still happening on XX/XX/XXXX. Followed up for status check and was told it was still being processed on XX/XX/XXXX. Followed up for another 30 day status check and was told that it was still being processed on XX/XX/XXXX. Had figured that the refund would occur by 120 days since request. Called again for update on XX/XX/XXXX and still was told they needed time to review. They could provide ZERO clarification on what the hold up was. Called on XX/XX/XXXX. Was told that it could be escalated upwards and a resolution should be expected in 30 days. On XX/XX/XXXX, I was told it could be escalated up and I would have a resolution in 30 days. I have heard nothing. I sent a messages via their portal and was told to call them again for follow up on XX/XX/XXXX. I sent a previous CFPB and they finally responded that I would have a remedy from XXXX days after XX/XX/XXXX ( a year after the initial request ). I called them XX/XX/XXXX for an update and was told they would escalate it upwards. It is XX/XX/XXXX, nearly 16 months after the initial request. Still waiting for the request to be remedied and the refunded money that was legislatively guaranteed to me to be paid out while I still have bills and missed opportunities for investing this money myself. We are over XXXX business days from their initial letter stating that they were sending it to the treasury.
Consumer complaint received 2023-01-26
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/23 at XXXX XXXX XXXXXXXX, I called about my XXXX credit card transactions, posted on XX/XX/23, not adding up to the card balance. There was a {$150.00} overcharge discrepancy. The card balance should be {$1500.00} instead of {$1600.00}. The representative transferred me to a XXXX called XXXX, who was not professional in handling my request. She gave inconclusive answers and wouldn't offer help. So I asked to speak with her supervisor instead. Her supervisor, XXXX, was rude and impatient throughout the whole discussion. She basically ignored my dispute and hung up on me at XXXX XXXX XXXX without providing any resolution to my billing error issue. 

I was both shocked and disappointed to have been treated in this way and believe you should be aware of your employee 's actions.
Consumer complaint received 2024-07-25
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: Bread Financial Holdings, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I am writing to complain about the services I've received from MOHELA and the consequences of their poor customer service on my student loan balance, including my consolidation loan for XXXX degree and my XXXX XXXX. MOHELA delays and processing errors have negatively impacted my account and I request the current interest rate to be changed to zero and no capitalization. I wrote to formally request all interest from XXXX accrued to be removed from my account. This includes all interest that continues to accrue on my account in XXXX due to processing delays that are no fault of my own. The delays caused by MOHELA processing of my XXXX application on multiple occasions since XX/XX/XXXX have led to increases in interest that should be removed from my account. In fact, all interest that has been capitalized since XX/XX/XXXX needs to be removed. I have experienced incredibly long processing delays, relaying of incorrect information from MOHELA representatives over phone calls, instances of MOHELA representatives telling me I am on administrative forbearance when I have not been placed on it even after requesting it on many phone calls and being placed on hold for hours. I was also given incorrect information by a MOHELA representative during my consolidation application was being processed and was told via phone that ALL of my loans were forgiven and " no action is needed ''. This is not what is reflected in my account. Every agent I have spoken to has provided different information and I was incorrectly denied an IDR application. I have been asked to recertify income 4 times now in XXXX without any progress made on being placed on the appropriate IDR plan. Additionally, I should have been on an XXXX plan prior to my loans being transferred to MOHELA when they were with Great Lakes. Since XX/XX/XXXX I have spent XXXX hours on phone calls, emails, and documentation updates as a result of these inefficiencies and my account reflects this poor service with the increased interest added. Additionally, my PSLF forms have not been updated appropriately on my account, and my payment count is lower than it should be. I am documenting every conversation I have with MOHELA representatives in writing and will keep my records or conflicting information provided and I will be utilizing this information as I continue to submit documentation to support my PSLF forgiveness.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (PA)

I was in an income based repayment plan ( Repaye ) prior to the XXXX forbearance with XXXX which were transferred to Mohela. 

When the COVID forbearance ended I contacted Mohela and were told my loans were placed on administrative forbearance until they converted my Repaye loans to XXXX. They assured me interest doesn't accrue and there are no penalties and months count towards XXXX. 

In early XX/XX/2024 I received notification from Mohela that my loans were in default and they assessed me a penalty, without notice. I contacted them on XX/XX/2024 and was placed on their call back list which they did not call back. I called back again XX/XX/2024 and waited until I spoke to a representative. 

XXXX. I was told that the administrative forbearance was actually a processing forbearance which only lasts 2 months. This is completely contradictory to what I was told on my previous conversation. 

XXXX. The second representative ( supervisor ) told me the Dept of Ed was waiting on me to recertify my income. This is not true when I look on studentloans.gov. Additionally because I was on XXXX prior to COVID forbearance I do not have to recertify until XX/XX/2024. 

XXXX. I was told my income based repayment plan ( XXXX ) wasn't " transferred to them ''. This is out of my control. They did offer to rectify their error. 

XXXX. I got factually incorrect information regarding the processing of my application by the Department of Education, which is marked as complete. 

My husband and I were present for all of the phone calls I had with Mohela representatives and were both surprised with the contradictory information. We're both educated with graduate degrees and financially responsible. We are appalled that a federal loan servicer could be so inept. Talking to friends and reading anecdotal accounts it appears this is a wide spread problem which has been going on for months.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (FL)

In doing a home equity loan my lender found a judgement against me through Discover Bank that is not me but someone whose name is close to mine. 



My name & address : XXXX XXXX XXXX XXXX- the address I have lived at for the past XXXX  years is : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX The name & address on this judgement is : XXXX XXXX and the address listed for her is : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( Date on judgement is : XX/XX/XXXX ) This is clearly a case of mistaken identity and therefore this needs to be removed from my credit and name immediately.