davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

There are several issues I have encountered with MOHELA.

1 ) I have tried certifying my PSLF employment and months later nothing has changed and they have the incorrect date of employment ( it should say ends at current since I still work there but it says 1901 ). 

2 ) I have repeatedly received conflicting information about what is owed on my loan. I have received emails in the same week, one saying my balance is {$0.00} and the next saying my account is delinquent {$710.00} due to two missed payments. My online portal says I owe {$0.00} and have {$0.00} late payments but when I attempt to call the automated message also says my account is delinquent. I was sent a letter in XXXX saying I was in administrative forbearance, so after that I messaged through the message center asking to confirm this information since I was receiving two different stories via email and mail but no one ever answered my request.

3 ) I applied for the SAVE plan late XXXX and it has yet to be processed. I repeatedly receive emails and paper mail asking me to apply for an IDR when I already have. 

All of this has caused great confusion when I am attempting to do the right thing and ensure I am paying the correct amount when owed.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2024, I received a text message and email simultaneously from my bank advising of transactions. I logged into my mobile app and blocked my debit card while waiting to be connected to a bank agent. When connected to the agent I told him all pending transactions with the exception of XXXX were unauthorized. The agent said they saw XXXX credits totaling XXXX cents XXXX cent and XXXX cent, and this is indicative that they were testing the accounts validity as once the they went through several transactions totaling {$4000.00}, were deducted from my account without my authorization.
Consumer complaint received 2023-07-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NATIONAL DEBT RELIEF LLC (NY)

I received an email from XXXX. email copy and pasted, Dear XXXX XXXX, We are contacting you regarding File No : XXXX, which has a total balance at placement of {$3600.00} and is currently with XXXX Despite our attempts to contact you on your phone number, XXXX, regarding these debts, we have not received a response from you. As a result, XXXX XXXX XXXX has marked this file as a flat refusal to pay and has sold the account to our office for collection by legal means. 
If you do not respond to this notification, legal action will be taken against you, and the charges will amount to {$11000.00}. We urge you to respond with your intentions in order to resolve this matter and avoid further proceedings.

We offer several repayment options to settle your debt, including : - Option 1 : XXXX  months of {$180.00} - Option 2 : XXXX  months of {$220.00} ( saving {$220.00} ) - Option 3 : XXXX  months of {$310.00} ( saving {$500.00} ) - Option 4 : XXXX  months of {$470.00} ( saving {$750.00} ) - Option 5 : XXXX payment of {$2600.00} ( saving {$1000.00} ) Please let us know which option you prefer by today to avoid legal action. This is your last and final chance to settle this file.

Thank you for your attention to this matter. 

Sincerely, National Debt Relief, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | FDCPA Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521, and intended only for the use of the individual or entity to which it is addressed. 
Any unauthorized review, retransmission, dissemination, or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the sender and permanently delete this message.

Copyright 2021 National Debt Relief | Privacy | Terms of use | Carrier. 
I am unaware of XXXX or any loans by this company.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (DE)

On XX/XX/XXXX I was going to apply for credit and pulled a current credit report and found that a fraudulent student loan was opened not by me. I tried contacting all credit bureaus and provided them the proper documents that they requested but it has been extremely hard to speak with anybody or get any answers. i dont know how all this works and i have mailed in disputes as they suggested and to this point nothing has been done and i have not received any responses from the credit bureaus. i did receive a response back from XXXX where they accused me of not being me. they said that i hired a company to dispute this on my behalf which is not true.
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (SC)

A forced placed flood insurance policy was placed on my account in error. It has been confirmed by several representatives at Flagstar that it should not have been placed. This property is part of a regime and there has never been a lapse in coverage. 
This same policy has reared its head several times over the past XXXX years, In XXXX of 2023, I made my usual payment. I was not aware that they raised my payment by {$5.00} due to the forced placed insurance coverage. They are refusing to apply my regular payment because I did not pay the {$5.00}. They have also added a {$70.00} late fee. My account is now in a non pay status and is being reported to credit agencies. My last contact with them " just pay it and let us fix it ''. Well I have made a dozen phone calls to get this fixed.
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MI)

Original Loan for purchase XX/XX/XXXX for XXXX  XXXX XXXX 13.43 % with original maturity date XXXX. During the course of the loan until XXXX XXXX loan extension were granted with those loans extending were added to the end of loan dated XXXX, extending my payment until XXXX all payments we made on time with made all XXXX payments complete. Upon requesting a loan pay off in XXXX of XXXX, I was told I still owed XXXX and need to take a loan modification or car would be repossed on XXXX. Loan modification was signed on XX/XX/XXXX showing a unpaid principal balance of XXXX, these extra XXXX payments on top of my XXXX payments comes to XXXX payments with a purchase price over XXXX new Maturity date is XX/XX/XXXX original amount fenced was XXXX
Consumer complaint received 2024-01-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (IA)

Unfortunately, I do not have exact amount and online payment history is limited to just the past three years.

Throughout the years of repaying Discover Student Loans, I had various unexpected costs that occurred that prevented me to pay Discover Student Loans. Whenever I would call to make arrangements, I was always presented with pay in full or utilize one of their several entrapping forbearance or payment pause solutions. 
My student loan payments with Discover started around the upper {$500.00} to low {$600.00} range and now increased to nearly {$1200.00} per month. 
After a few financial situations throughout the years when I would contact Discover for relief, I figured it out that their plans hurt me long term more than help. But trying to increase and/or preserve my credit score, I would obliged to Discover 's entrapping solutions. Nearly each time I would discuss matters with Discover, representatives would pepper me with questions regarding my student loans with other companies and would advise me to discuss relief with my other providers rather than Discover discuss my loans as my bill with Discover was three to four times more than my other loan providers and is now currently six times more.

When I would advise Discover my other loans were manageable and that Discovers loans were most troubling, Discover representatives would attempt to direct me to my Federal student loan provider. Again, when I advise my Federal loans payments are my lowest payments and most manageable, Discover representatives would then discuss ways to " help '' me. Per usual, the help was either pay in full or utilized one of their forms of forbearance. 
When I would ask is there any other method that decreased payments while also preserving the credit score I was attempting to rebuild, I would be told no.

I further questioned if I am having difficulties paying the amount owed at the time and monthly payments would increase once the program ended in a few months, how does it help overall. Of course they advised of the immediate " benefit '' but would be told those are the only options. 
Fast forward years later of attempting to stay afloat, I find myself in dire financial straits and owing nearly $ XXXX  month and exhausting every money option to stay afloat. 

Discover Student Loans should be held accountable for their predatory practice.
Consumer complaint received 2023-12-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I was given an AMEX gift card as a XXXX gift from my work. I've tried to use my AMEX {$200.00} gift card on a multitude of websites and it declines every time without fail. I've checked the balance and know for a fact that it has money on it. Granted, no longer {$200.00} as every time I try to use it, it charges a XXXX cent pending fee. So it can do that, but for some reason can't just work. 

I tried calling AMEX and received no help.
Consumer complaint received 2024-05-02
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. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 seven 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 2023-11-14
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. (LA)

I am reaching out as I have previously disputed unauthorized inquiries on my credit report from XXXX, TransUnion and XXXX. 

None of the unauthorized inquiries were removed and no documentation was provided. 

I am demanding to have the inquiries deleted abd have reached out to the bureaus again to request them to be deleted. 

See attached letter
Consumer complaint received 2023-07-03
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and corrected from erroneous reporting in my file are listed on my credit report 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 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Tranaction date for XXXX charge was XX/XX/XXXX. Post date for XXXX charge is XX/XX/XXXX. I spoke to XXXX customer service and they told me an account was created using my Citizen Bank XXXX. When I asked what was purchased and where it was delivered to XXXX refused to help ( provide further information ). I contacted Citizen Bank and filed a claim ( XXXX ). Since then, I've been getting suspicious letters from Citizen asking that I send different information to different XXXX XXXX XXXX. The first letter was dated XX/XX/XXXX. I was told to send supporting information before XX/XX/XXXX or they would not investigate. I was told to send infromation to Citizens XXXX XXXX XXXX XXXX CT XXXX or fax it to XXXX or email it to disputes @ citizensbank, com. I was also told to call XXXX if I had any questions. I immediately emailed them information the day I received the letter. Since them I received many phone calls telling me to call them and close my account and they will issue me a new card. When calling Citizen Bank you get different people from their call center in XXXX that just ask the standard gatekeeper type questions and this is not very helpful ( a waste of time ). I recently received another suspicious letter dated XX/XX/XXXX. In this letter, they asked for my name, account number, asked me to provide my signature, asked me to provide the dollar amount of item disputed, date of purchase, merchant name, why I am disputing, and they asked me to provide the same information I sent them a month ago again. This time I was told to send it to Citizens Accelerator Rewards XXXX XXXX XXXX XXXX CT XXXX or send the information by fax or email to the same number and address that was in the previous latter dated XX/XX/XXXX. At this point I am not sure what to do. I am not sure why they want my signature? I did not take action on the last letter.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. the list of Accounts below has violated my Federally protected consumer rights to Privacy Confidentiality Under 15 USC 1681 Account Name : XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, Has violated my rights. 
15 U.S.C 1681 section 602 A.

States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consuegra & Duffy, P.L.L.C. (FL)

This is regards to a wage garnishment that has been placed through a third-party collection agency for a vehicle that is reflecting on my credit plus wages are being garnished at the time of having the vehicle I hit a deer the vehicle was not fixed properly. I request the company to contact the insurance company to see if the vehicle could be fixed, the company did not want to help me get the vehicle fixed properly the vehicle was taken I have reached out to the third-party company in which I received paperwork from the company to request a fair hearing. I do not agree with the amount of wages that the company is garnishing from my check I have yet to hear anything back about a fair hearing From this company
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (IN)

On XX/XX/XXXX, I was overcharged by XXXX XXXX in XXXX. I made enough purchases worth {$20.00} ( 2 drinks and an appetizer ). I did not sign any receipt and am confident that video footage will not show me drinking {$75.00} worth of drinks or signing a receipt. Yet, I learned when I checked my Apple Card history a couple days later that I was charged {$75.00}, a {$55.00} overcharge. Once I saw this overcharge, I immediately started the dispute process, which is reflected in my text to Apple on XX/XX/XXXX that is attached as evidence. I attempted to call the nightclub once a week for two weeks, each time a manager was not present and they told me to call back later. I called again XX/XX/XXXX and was finally able to talk to a manager who would not admit fault and told me they would look at video footage and send me an email. When the manager read me the list of my charges, it became clear that I was charged for my whole corner of the bar that night and not just myself. The bartender clearly made a mistake and was incompetent at keeping track of tabs. Evidence that I called XXXX XXXX on XX/XX/XXXX is attached. I never received an email and opened a dispute with Apple Card/Goldman Sachs as my attempt to resolve it through them had failed. I received a decision on my dispute on XX/XX/XXXX that the merchant charged me for the amount I intended and did pay. This is not true as I never intended to pay that amount. Video footage will not show me drinking {$75.00} worth of drinks, and it will not show me signing any receipt that says that because I never signed any receipt.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (OH)

Transaction in my credit karma checking account for {$1100.00} in XXXX. I love in Ohio. Someone havked my account at the same time and changed my email, phone number, and password. Then an international fee was added to my account. They took all my money out of my account. Credit karma closed my account without my knowledge or consent or any information as to why. I had {$86.00} in mt savings account at that time. Then they said the transaction was authorized thereforw i will not get my money back. Now credit karma keeps hanging up on me when i call and no one has any answers for me. Its the only money i have, why are they doing this to me
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/, I realized my wallet, containing my driver 's license, had been stolen. Initially, I thought I had just misplaced it, but this oversight soon spiraled into a significant ordeal. By XX/XX/XXXX, after returning from a trip, I discovered that my account with XXXX XXXX XXXXXXXX XXXX was frozen due to fraud detected at the end of XXXX. In a bid for safety, I transferred my funds to a Chase Bank branch in XXXX. The same day at the branch, I was informed of a {$4000.00} withdrawal that I had not authorized. 

The situation quickly escalated. On XX/XX/XXXX, I learned of another {$4000.00} fraudulent withdrawal from my account. Alarmed, I immediately contacted Chase 's fraud department and continued to do so daily as the attack unfolded. This was needlessly difficult and rarely helpful. I also filed a police report to document the incident. Despite my prompt actions, the fraud persisted. 

I appeared in person at a branch where an agent advised me to open a new account and move money there, as it might dissuade the thief. I moved {$40000.00} into the new Personal account, trusting the advice of a Chase representative. 

Previously, I had filed a complaint with the XXXX ( XXXX XXXX ) which was referred to the CFPB regarding fraudulent transactions in my business account. Chase then acknowledged the fraud in my business account and reimbursed me the {$12000.00}. However, despite the evidence and the other fraud taking place at the same time, mirroring the method used in the previously acknowledged fraud, Chase bank has reviewed it and doesn't believe my story.

The response from Chase was dishearteningly inconsistent. Despite my immediate and continuous reporting, the fraudulent activities continued unabated. Now, I am facing collections for the {$5000.00} fraudulently withdrawn, a charge incorrectly attributed to me due to Chase 's mishandling of the situation. They've told me this is their final decision, and I feel helpless. 

I am hoping for the CFPB 's intervention to find resolution. I seek your assistance in addressing the ongoing issues with Chase Bank, particularly the mishandling of my fraud claim in my personal account, the incorrect collections action, and the inconsistency in acknowledging the legitimacy of similar fraudulent transactions. My desired outcome is a thorough investigation, reimbursement for my losses, and rectification of the collections issue.
Consumer complaint received 2023-12-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (KY)

One main financial ran my credit without my authorization. I did reach out to one main as follow up for a pre-approval offer however their Manger at the XXXX office told me I wouldn't be approved unless they did a credit check or I had collateral. When the Manger informed me of my credit history I knew my credit was pulled without my consent. I did not authorize one main financial to run my credit. One main continues to give my information to Predator lending companies after I requested to stop being contacted and I'm continuously being contacted by XXXXXXXX XXXX and XXXX Whom I never reached out to.