davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (TX)

On XX/XX/year>2024 XXXX XXXX XXXX applied for an auto loan were I was denied without being issued an adverse action notice or reason for denial. I waited 30 days and still havent gotten an email, phone call or letter in the mail.
Consumer complaint received 2024-01-09
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Pursuant to section 623 of the Fair Credit Reporting Act ( FCRA ), this company MUST remove this item of information from ALL consumer reporting agencies if the furnisher of information has reasonable cause to believe that the information is inaccurate or if the disputed information is found to be inaccurate, incomplete, or unverifiable. I have been going back and forth with this company and they claim to comply with the FCRA however, even with undeniable proof ( exhibit a ) of consumer reporting agencies unable to verify the account and deleting it, XXXX is still willfully violating the FCRA by keeping the item of information on a consumer report. Section 623 ( b ) ( D ) and subparagraph ( XXXX ) ( ii ) states that a data furnisher must report those results to all other consumer reporting agencies to which the person furnished the information. XXXX did NOT do that and please keep in mind that Consumer Reporting Agencies promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer as stated in 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( XXXX ). I demand that XXXX deletes this item of information on ALL consumer reports and compensate me for these damages. Please see attached documents that support my claim.
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

MOHELA charged me two months worth of payments without a billing statement until XXXX. The billing statement received showed a past due amount and a current due amount although my account was claimed to be in administrative forbearance until the end of XXXX. I received a message that my IBR Application could not be approved due to parent plus loans not being eligible though they could be eligible if they were consolidated. All of my student loans are consolidated and have been since before applying to the SAVE plan. I also do not have Parent Plus loans on my account. The only way to contact MOHELA is via phone number which they do not answer. There is no email or alternative method.
Consumer complaint received 2024-01-09
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 was looking at my credit reports and notice there was things that are not correct. I sent a letter to Experian on XX/XX/2023. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX but its been more than XXXX  days XXXX XXXX credit bureau has not responded that violation of 15 US C 1681 ( a ) ( 1 ) ( A ).

Under 15 USC, 1681 ( a ) ( 1 ) ( a ) subject to subsection ( f ) and expect as provided in the subsection ( g ), if the completeness or accuracy of any information contained in the consumers file at the consumers reporting agency is disputed by the consumer D consumer notice is the agency directly, or indirectly through a reseller. Such of dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the dispute is information is inaccurate and recorded the current status of the disputed information, or delete the item from the file in accordance to paragraphs ( 5 ), before the end of the 30 day period on the date on which the agency received a notice of the Dispute from the consumer or the reseller.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (NJ)

I recently provided Navy Federal with two promissory notes/ securities which gave Navy Federal value. According to Note 4 : Loan Sales and Continuing Involvement in Assets Transferred of Navy Federal annual report it states : " The XXXX  and XXXX generally securitize loans into mortgage-backed securities that are sold to third-party investors in the secondary market or retained by Navy Federal for investment purpose . Seeing that the promissory note/securities for a Navy Federal Flagships Reward Credit Card & {$50000.00} personal loan gave Navy Federal value to exchange on the secondary market. In good faith I hereby demand Navy Federal Credit Unions Lending Team ( Fiduciary ) to approve both applications. If my applications can not be approved, Then I kindly instruct Navy Federal Credit Union to rescind my applications.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (AZ)

I have been having the worst issues with fraud caused by an individual in XXXX XXXX. She has accessed my account and drained my funds. This has been ongoing for over 2 months now. I've reported the issue several times, but the fraudster keeps calling back and changing my address and phone number back to her information. After getting my 5th new debit card and disputing all charges, making an account passcode, the account was handed right back over to this individual and I can not get any assistance since I can not verify her email address or phone number. I was told today that they do not set up passwords for accounts, although the last person I spoke with that I thought I resolved this issue with, that the password would be required before any account changes could be made or any access to the account period. Apparently that was false because I am now locked out of my account. Because of this I am about to be evicted because I have not had access to any of my funds for 2 plus months.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

My student loans were forgiven in XXXX of XXXX. As of XX/XX/XXXX, my credit report did not show this. I contacted Mohela and XXXX to ask that it show paid in full closed. XXXX responded by showing the original loan amount as paid but left what appears as interest still owed on the account. I have not been informed by any agency that loan interest was still due. It is my understanding that the whole of the loan is forgiven. 

In the summary of my credit report, XXXX still shows that I owe the full loan amount. 



I would like my credit report to correct this issue on my credit report.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WI)

First I have to say that I am confused as to who you are referring to when you ask if the " company '' was contacted?? Are you referring to the merchant or the Financial Institution? ( In this case, Chime Financial ) I have contacted Chime and that is the issue! 
On XX/XX/2023, I requested that a block be placed on my debit card for a particular merchant, XXXX. They acknowledged my request and stated that a block had been placed. 
However on XXXXthey allowed the merchant to take {$260.00} from my account! I contacted Chime immediately and requested that they stop or reverse the transaction since the block had been placed on it. At this point I wasn't very upset! it wasn't until they told me that they had to wait until the transaction " settled '' before they could do anything AND that they would need to conduct an investigation! INVESTIGATION???? WHY? YOU PLACED A BLOCK ON THE ACCOUNT!! It never should have been allowed to happen!!!! 
I am more than XXXX! Not only was the transaction not authorized, but it those funds were already earmarked for a different purpose and it cause me to overdraft! 
This is not the first time this bank has mishandled my funds. Even though the previous situation did not include a block, someone somehow got a hold of my account information and stole {$300.00}! They wouldn't do a XXXX thing about it!! And what also adds insult to injury, is they won't close the account and allow you to open another one! 
RIDICULOUS!! Plain and simple, they should not be trusted with anyone 's money! 
Their business practices are at the very least, shoddy! 
I know there are others out there who have had legitimate issues with them so I am going to try to get a class action suit started against them.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

My federal loans are through Mohela. Prior to restarting payments in XX/XX/2023, I noticed my plan changed from REPAYE to SAVE-alternative on Mohela 's website. However, on federal student aid my plan was listed as SAVE. Due to the difference between the plans and the SAVE-alternative not being IDR, I called Mohela to request a change of my plan to SAVE. I received a letter ( see attached ) stating that they will process it over the next XXXX  days. Unfortunately, it has been XXXX  days and my plan has not been update nor have I heard from them.
Consumer complaint received 2024-08-17
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. (FL)

RECENTLY, I REVIEWED MY CREDIT REPORT AND IDENTIFIED SERVAL INACCURACIES THAT ARE AFFECTING MY ABILITY TO SECURE A MORTGAGE AND OVERALL CREDIT. FROM MY UNDERSTANDING THAT YOU WILL INVESTIGATE THE FOLLOWING ACCOUNT TO ENSURE ITS ACCURACY. HERE IS THE ACCOUNT THAT IAM ASKING YOU TO VERIFY AND VALIDATE ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NJ)

My federal student loan was officially forgiven on XX/XX/23. Mohela reported on XX/XX/23 that I have student loans on my credit reports which showed up today. 

I called today and spoke to a Mohela representative at XXXX XXXX. They have me on administrative forbearance and have not yet completed my forgiveness. They claim it is on the US Department of Education as the hold up. 

I then chatted online with studentaid.gov at XXXX XXXX  about the reason why my loan has not been processed. My transcript is here : Hi, my name is XXXX. I am reviewing your question and will help you momentarily. 
XXXX thank you XXXX XXXX  That is not something that the website would approve, that would be something that would be approved by the US Department of Education. 
XXXX XXXX XXXX  so what does that mean? 
my loan amount is {$0.00} on my dashboard That you would need to wait for the approval of the loan forgiveness from your loan servicer. 
XXXX the loan servicer says they are waiting on you XXXX XXXX  I have a letter from my servicer saying my loans are forgiven XXXX XXXX  Okay are they showing that they are forgiven on their website? 
XXXX XXXX XXXX  I have all XXXX, except for my loan status being in administrative forebearance XXXX XXXX  Mohela said they are waiting on you so they can finish the processing XXXX XXXX  That is something that your loan servicer would handle. 
XXXX XXXX  I just spoke with them and they said it is you. 
Your loan servicer would have to release that forbearance. 
XXXX XXXX If I do not get a resolution to this I will be contacting the Federal Trade Commission Bureau of Consumer Protection and my Senator and Congressman. This needs to be resolved and no one knows an answer. 
XXXX XXXX  That is fine if you feel that you need to do that, I have advised that your loan servicer is the one that would handle that loan forgiveness for you. 
XXXX Ok. Thank you for the information.

Please advise what I do to resolve this issue. 

Thank you, XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (OR)

In XX/XX/XXXX I submitted my first IDR application. Again in XXXX I submitted my IDR application to them. In XXXX I went through the student aid web page and submitted it again. MOHELA has sent me a bill for over XXXX a month which is half of my pay check. Also last year they told me I only had XXXX more payments to make for the XXXX service forgiveness. Now they tell me I have XXXX more payments to make. I work for the XXXX XXXX XXXX and have since XXXX I don't know how I'm supposed to pay my other bills, buy food when they want over XXXX month. At this point I might as well live on the streets. How can they not approve my IDR I only make XXXX a year?
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I contacted Mohela XX/XX/XXXX- waited on hold for over XXXX minutes. Spoke with employee XXXX who reported she was in training. I notified her I was requesting my recent recertification application be cancelled due to reading the information on the DOE website that recertification dates were not due for another year if they fall before XX/XX/XXXX. She " looked into the issue '' and came back to say she is seeing my recertification date is XX/XX/XXXX and " if things change I will receive a correspondence ''. I would like my payments to remain the same before recertifying until I am legally due to recertify ( XX/XX/XXXX ) per the DOE 's website. Thank you!
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FISERV INC. (CT)

I am filing complaint against Fiserv, XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX In XXXX of XXXX, I signed a no annual fee contract with the company for merchant service. In XXXX of XXXX, I found an annual fee security bundle of {$290.00} charged against my account. I called the company on XX/XX/XXXX, a sales named XXXX called me back. He said on the XXXX Statement, there was such a wording : " The security Bundle Fee of {$290.00} will be charged to your account on or after XX/XX/XXXX, and will appear on your XXXX XXXX month-end statement. Continuing your merchant account with us or using your account after 30-days following the date of this notice will confirm your acceptance to these terms. ". I told him I never agreed to this term, and want to close my account and get money back. XXXX promised me to send me a written message, stating if I continue to use the account, I will get the refund within 60 days. As of today, XX/XX/XXXX, I never got his email, and called him again, he said even I want to close my account, there is no refund for the annual fee.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

On XX/XX/XXXX, I received an email from my student loan service provider MOHELA stating that I had a student loan payment past due. I had just recently graduated and earned my XXXX XXXX on XX/XX/XXXX. My account was given no grace period, and I was instantly put into repayment. Since XX/XX/XXXX, I have called MOHELA at their customer service number ( XXXX ) 10 times and I have been meet with wait times upwards of 55 minutes. When I am able to get through to an agent, I am told my account needs the help of a supervisor, who I am then transferred to and meet with another wait time upwards of 45 minutes. When I am called back by a supervisor, there is no ability to call the supervisor directly back, so I am forced to wait over 2 hours for a call back from a supervisor at that point. I now have a past due charge on my account with no verification that I will have the error fixed, or any way of contacting a supervisor to confirm that they are working on my issue. 

It is incredibly frustrating to have a loan service provider that struggles with communication and professionalism in this manner.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (FL)

I received a letter on XX/XX/XXXX from Zion Debt Collections for {$620.00} for services from XXXX XXXX. I do not have an account from XXXX  XXXX and don't even know who they are. It seems like a scam letter. Letter states I owe this amount from XX/XX/XXXX.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.
Consumer complaint received 2024-01-24
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am FRUSTRATEDLY DEVASTATED by your recent response declining my request to block a fraudulent account on my credit report. Your computer-generated letter lacks transparency and declines without determining material facts. 
XXXX - XXXX XXXX XXXX This aggressive violation of my rights raises questions about the authority to decline without just cause. I demand an immediate reconsideration of my request with a comprehensive explanation for the denial.
Consumer complaint received 2023-10-30
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. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.