davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MN)

Mohela states that I am responsible for interest accrued on my consolidated loan that was put XXXX the wrong payment plan. I requested the REPAYE knowing I would end up on the new XXXX plan. They put me on the XXXX plan. 

They also stated that the accrued interest above my payments on the XXXX plan will accumulate in the accrued interest bucket until the end of the year. That is when the government forgives any unpaid accrued interest. 

I thought this was monthly. I had planned to use my property tax refunds I receive in XXXX to pay some principal on my student loans. However, according to Mohela I will have to pay the accrued interest bucket first before anything is applied to principal. This accrued interest bucket will include interest the government was to forgive under the XXXX plan. 

I dont believe the spirit of the XXXX plan was to hold the accrued interest for year. I also dont believe I should be responsible for interest that accrued on the Level plan when I selected the XXXX plan.
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

I have consolidated Unsubsidized FFEL Consolidation Loans that are being held by XXXX. I submitted a PSLF application in the fall of XXXX. I had heard other borrowers had their loans paid off. I called Mohela in the fall of XXXX  many times and could never get an agent. I did finally get an agent in the first week of XX/XX/XXXX. She told me my application was in good standing and it looked like it was approved. They were just making sure I had made payments. I have never once missed a payment in 15 years. She told me to check back in the new year. Now there is no information in my account on Mohela and I can not get through to anyone there. I also can not see any trace of my application in my account at Federal Student Aid. I am very frustrated as I have been trying to get information from someone for months and I can never get ahold of anyone.
Consumer complaint received 2024-05-05
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. (NV)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I received a phone call XX/XX/ that there was a problem with my account at mohela.com. Mohela handles my federal student loans. Before the covid payment pause I was told that ALL my loans handled by Mohela.com ( as opposed to sofi.mohela.com ) would be going to income-based repayment and would be on the SAVE plan when repayment started. 

They have informed me that while 6 of my loans are on SAVE, the others are on Level. This is not what I was told would happen. All of my loans should be on SAVE. My monthly repayment amount has ballooned from {$2700.00} to nearly {$7000.00}. 

Of course, I am sure their plan is to capitalize my interest and not honor XXXX 's on-ramp to repayment. I am absolutely sick of these loan servicers and their dishonest handling of student loans.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (CA)

Equifax has reported fraudulent information without my consent or stated clearly 15 U.S. Code XXXX  XXXX - PRIVACY 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code 15 U.S. Code 6801 - Protection of nonpublic personal information 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 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
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 (CO)

Mohela was supposed to refund {$12000.00} that I have been waiting for over 5 months to receive. They added it back to my balance and it's accruing interest. I have waited hours on hold only to be disconnected. 

I am also qualified for PSLF and they are not updating my payment count even though I submitted the employee verification for months ago.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

n accordance with the Fair Credit Reporting act XXXX Account #, 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 2024-05-05
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. (SD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-02
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: EQUIFAX, INC. (NY)

I see multiple inquires that I did not do on my credit report. I contacted Equifax, XXXX and XXXX to remove them. They all advised I should file a report with the CFPB in order to get these issues fixed on my credit report.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (FL)

On XX/XX/XXXX, I requested a refund from Mohela federal loan servicer to the amount of {$50000.00} for student loan payments I made during the COVID forbearance period. I was informed that it would take up to XXXX business days for me to receive a refund by mail. Today it is XX/XX/XXXX and still have not received my refund. I have called Mohelas customer advocacy department and have spoken to numerous supervisors to get an update on my refund. After spending at least XXXX hours of my life waiting to speak or actually talk to a representative all I was told is that my request was approved and is pending payment from the US Department of Treasury. The refund that I had requested has already been put back into my total student loan balance which is slightly north of XXXX XXXX We are approaching XXXX  months since I have made the initial request and Mohela has no answers and my refund is still pending. What is happening is illegal and is the equivalence to a federal offense. I do not have anyone to turn to for answers leaving me feeling helpless, violated and lied to the highest degree. It is irresponsible and incomprehensible that such a large loan servicer does not have answers and do not have the ability to ask the US Department of Treasury with the status of my refund. In any scenario, this situation would be seen as federal crime but in my case its only be treated as a wait and see case which is absolutely not acceptable. At this point, no middle class person in the situation that I am in would continue to wait around any longer hoping and waiting for the day their check miraculously appears in their mailbox. This situation needs requires immediate answers and accountability needs to be taken for the handling of this disastrous situation.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

Called Wells Fargo on XX/XX/XXXX to report a fraudulent ATM withdrawal of {$200.00} that occurred on XX/XX/XXXX. The claim was promptly denied within a day without notifying me, because the ATM company and Wells Fargo determined there were no signs of fraud on this transaction. I tried reopening the claim via phone on XX/XX/XXXX after filing a police report. They never asked me for a copy of the report and continued to deny my claim within a few hours, stating there are no red flags on the withdrawal. I pointed out that the withdrawal happened at an ATM that is 4 hours away from my home as listed in my bank statements. This is a red flag on its own because the only ATM withdrawals I have made in over a year were withdrawn in the city I live in, no where else. There was also a charge for {$2.00} at this ATM for a balance inquiry, which is another red flag because I have never made a balance inquiry at an ATM in the entire history of my account with Wells Fargo. I don't need to check my balance at an ATM for a fee if I have the app on my phone that costs nothing. I also never received a security code on my phone to deny or approve this transaction which is supposedly is their way of protecting me from fraudulent purchases, according to their own website. On XX/XX/XXXX, Wells Fargo encouraged me to pursue further investigation through a 3rd party as they have " exhausted all of their resources '' after only looking into my case for a few hours and refusing to consider the many red flags that entail this withdrawal was in fact fraudulent.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (KY)

XXXX, XXXX XXXX XXXX XXXX, XXXX a debt collector called me back after getting a court summons, when I asked who they were they stated lawyer for XXXX XXXX, I advised XXXX XXXX done stated they were not their lawyers but a debt collector the account was sold. This company violated FDCPA, which I included in court Response by refusing debt verification on phone call. They lied, and falsified who they are.
Consumer complaint received 2024-05-05
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. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : ACCOUNT NAME- XXXX XXXX XXXX ACCT # - XXXX ACCOUNT NAME- XXXX XXXXXXXX XXXX ACCT # XXXX ACCOUNT NAME- XXXX XXXX ACCT # XXXX ACCOUNT NAME- XXXX ACCT # XXXX ACCOUNT NAME- XXXX  XXXX- ACCT # XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCT XXXX XXXX ACCOUNT NAME- XXXX XXXX- ACCT # XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCT # XXXX ( XXXX  XXXX XXXX ACCT # - XXXXXXXX XXXX XXXX XXXXXXXX XXXX ACCT XXXX - XXXX ( XXXXXXXX XXXX XXXX HAS violated my rights. 


I looked at my TRANSUNION credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

*There are charge off accounts that are reporting as debt but is canceled debt and by law rather is over {$600.00} or not it still needs to be filed as ordinary income and a 1099c need to be sent to me According to Publication 4681 ( 2023 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments *if a debt is canceled or forgiven for less than its full amount, you may be treated as having income and may have to pay tax on this income.

*For charge-offs over {$600.00}, the lender may issue an IRS 1099c form for cancellation of indebtedness, which needs to be treated as income on your tax return.
Consumer complaint received 2024-05-05
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. (TX)

I am a victim of identity theft. I recently obtained my credit report and found fraudulent accounts I never opened, an overload of addresses I never resided in, inquiries I never made, and even different variations to my name. I disputed this account with Transunion on XX/XX/XXXX and they have yet to respond to my dispute as of XX/XX/XXXX. Attached is proof of when the dispute was filed and the current status according to Transunion. It has been 51 days of silence from Transunion in regard to this matter. I am a consumer and I am aware of the legal rights I am provided under the FCRA and this is in direct violation of my consumer rights. The law states that credit reporting agencies are to promote accuracy which means removing the unauthorized account listed below that remains on my credit report. This is in direct violation of 15 U.S.C. 1681. My dispute was first submitted on XX/XX/XXXX. As you are well aware, federal law requires credit reporting agencies to respond within 30 days ( Plus 15 extended days after ). Transunion did NOT respond to my dispute within the given time period allowed so by LAW THIS MUST BE DELETED IMMEDIATELY. 

Also found this account : Acct Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX. ) Acct # XXXX Date Opened XX/XX/XXXX Balance {$5700.00} I am not liable for this debt and I do not have a contract with : Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Phone # ( XXXX ) XXXX Police Report and FTC Affidavit are attached to this complaint together with all my dispute letters sent to the bureaus. Please delete this account from my credit report at once. Any questions or concerns I can be reached at XXXX and by email at XXXX. l need a response from the company.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-01-11
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NJ)

Today, I received a call from this XXXX of the Synchrony Bank. Caller ID XXXX, which does not relate with the Synchrony Bank. 

Voicemail Script Good afternoon my name is XXXX XXXX I'm calling from synchrony bank this message is for XXXX XXXX in regards to your teacher for words credit account and received correspondence regarding an issue were having and I was just wanting to touch base with you regarding that if you could please return my call at XXXX I would appreciate it thank you and have a great day I sometimes could hear the parts of this voicemail recording. And each time, the different parts are clear. I have checked the number XXXX, which does not relate with Synchrony Bank. Therefore, I decline to call back this number. Also, the number, XXXX, looks to connect with some private number ; therefore, I will not answer.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I applied for the SAVE program on XX/XX/XXXX. I received a notice on XX/XX/XXXX saying there would be processing delays but would be processed within 90 days of the application submission date on : XX/XX/XXXX. My account now reflects a payment due that is different from the SAVE program I applied for, my loan status has still not been updated to reflect the SAVE loan program I was eligible for ( ~ $ XXXX ), and customer service will not respond to inquiries. 

I am now being asked to " recertify '' my payment on a payment plan that is NOT the SAVE program. I have reapplied for the SAVE program on studentaid.gov but MOHELA 's customer service line is near impossible to get a hold of a representative and keeps disconnecting me. 

In fact, the original SAVE loan is still " in process '' and was never processed by the company.
Consumer complaint received 2024-05-05
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. (MN)

I didn't authorize XXXX XXXX to run my credit on XXXX. Neither did I give my permission to XXXX XXXX on XXXX or XXXX on XX/XX/year>. Without my permission given to third-party individuals it is fraudulent behavior. Plus the criminal background that's listed to hinder me. Plus the inaccuracies in 2 addresses. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. I submitted an FTC report also. confirmation code : XXXX.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit, and its my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Consumer complaint received 2024-05-05
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies have fraudulently pulled my credit without my authorization. I do not recognize any of these inquiries. I have spent a lot of time trying to reach out to these companies and they do not respond to me with proof that I opened these inquiries. I believe these are fraudulent and I am a victim of identity fraud. I am demanding these inquiries be immediately removed or I will take legal action. I am also filing an FTC report. Please help me get these removed, thank you.
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: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2024 XXXX XXXX XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-05
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. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> XXXX XXXX XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.