davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, 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. (SC)

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Dear PayPal Team, I am writing this formal complaint to appeal the permanent limitation placed on my PayPal account. I believe that this limitation was placed on my account by mistake and I have not violated any PayPal policy. 

Firstly, I would like to emphasize that I have been a loyal and active PayPal user for a long time, and I have always conducted my transactions within the terms and conditions set by PayPal. Therefore, it came as a great surprise and disappointment to me when I received the notification that my account was permanently limited. 

As an honest and law-abiding user of PayPal, I would like to emphasize that I have not conducted any fraudulent or illegal activities using my PayPal account . I have always used my account for legitimate and lawful transactions only. 

Furthermore, I would like to request PayPal to re-investigate my case thoroughly and restore my account if possible. I firmly believe that my account has been limited by mistake, and I am willing to cooperate fully with PayPal in any way possible to resolve this issue. 

Lastly, I would like to mention that the email address on my PayPal account is XXXX. I hope this information will help you to locate my account quickly and facilitate the review process. 

Thank you for your attention to this matter. I sincerely hope that PayPal will reconsider its decision and restore my account as soon as possible. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-05-01
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: NAVY FEDERAL CREDIT UNION (VA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

Approximately 2 years ago chime froze my account. I had just deposited XXXX dollars into it. They told me my account was frozen and I was not getting my money back because of topic number 9 in their rules. The Deposit was suspicious. After about a week of fighting with them they closed my account.
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I am writing to you to express my serious concerns and dissatisfaction with the response provided by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to my original complaint filed with your bureau ( CFPB Case # : XXXX ). The response I received is not only unsatisfactory but also appears to contain misleading or false information, which exacerbates my situation and distress. Firstly, XXXX XXXX XXXX claims that they sent me a letter, which I have never received. Furthermore, there is no record of such a letter in the USPS mail tracking system, suggesting that the claim of sending the letter is false. This not only misleads the CFPB but also violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). Secondly, the lack of proper validation of the alleged debt, and the failure of the agency to provide clear and accurate information, has left me in a state of uncertainty and frustration. The agencies have failed to provide substantial evidence that substantiates their claim, making it impossible for me to take appropriate action or defend my position. Given these circumstances, I urge the Consumer Financial Protection Bureau to take a more in-depth look into this matter. The behavior of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX raises serious questions about their compliance with federal laws designed to protect consumers from unfair and deceptive practices. I request a thorough investigation into their conduct and appropriate action to ensure compliance with the law. Furthermore, I seek guidance on how to proceed under these circumstances. The distress and potential harm caused by these unsubstantiated claims and the lack of transparency in their communication are matters of great concern.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

FCRA 605B stipulates the necessity of eliminating any inaccuracies from my credit report. Could you verify the documents? Some listed accounts are inaccurately reported. I'm entitled to {$1000.00} for each erroneous entry on my credit file.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

I am writing to formally complain about the continuous and unresolved issues I have been facing with my federal student loan repayment plan. Despite repeated communications and assurances, my account has not been updated to the Extended Repayment Plan as requested, causing significant financial strain and distress. 

In XX/XX/XXXX, I contacted Mohela to request a change from the Standard Repayment Plan ( $ XXXX ) to the Extended Repayment Plan ( approximately $ XXXX ). I was assured that the request would be processed. However, despite following up in XXXX, XXXX, XXXX, and XXXX, I am still on the Standard Plan, paying $ XXXX since the student loan pause ended. 

Each call involves a considerable time commitment, averaging 2 hours, only to be informed repeatedly that my request is being processed. On XX/XX/XXXX, after an extended call and a transfer to an account specialist, the call was disconnected without resolution. This pattern of unaddressed requests and lack of accountability is unacceptable. 

As a new XXXX with a child to support, the difference of around {$230.00} in monthly payments significantly impacts my financial situation. I have made more than five attempts to resolve this issue, all of which have been unsuccessful. 

I urge Mohela to take immediate action to : 1 ) Review and update my repayment plan to the Extended Plan as initially requested. 

2 ) Provide a detailed explanation of the delays and a clear timeline for resolution.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AR)

XX/XX/XXXX - submitted an IDR plan request via student loan.gov because i was not able to reach a person at Mohela XX/XX/XXXX - submitted feedback case # XXXX to complain after several failed attempts to reach someone at Mohela to put my loan into forbearance. 

XX/XX/XXXX - called number on studentloan.gov to contact ombudsman to resolve issue with Mohela, and the system hung up on me because of high call volume
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY (FL)

Interfirst ( XXXX XXXX XXXX, XXXX, XXXX ) holds mort on my home. I received annual escrow analysis in early XX/XX/2023. I was paying $ XXXX. They made a mistake and showed an insurance payment to be made in full in XXXX and XXXX ( always paid in full in XXXX only ). They didn't actually pay it twice, but because of this mistake, projected a shortage in my escrow. Said my payment would increase approx $ XXXX. ( it showed a payment of {$1200.00} due XX/XX/2023 ). I contacted them in XXXX and, realizing their mistake, they were to produce a new corrected analysis and send a copy to me. I received that new analysis about XXXX days later. It indicated a shortage of {$220.00} and that my payment would increase from {$1100.00} to {$1100.00} ( an increase of {$38.00} ). By this time I had already sent payment for XXXX ( {$1100.00} ), as I hadn't received a new payment amount. I then receive a statement showing {$1200.00} due XX/XX/2023. After talking by phone with them 4-5 times, I escalated to someone named XXXX XXXX XXXX He said my XXXX payment ( {$1100.00} ) wasn't enough to satisfy what was due ( {$1200.00} ). He indicated I should have paid a payment for XXXX of {$1200.00} and, if that amount wasn't correct, I should try to get my overage back later. And, that my XXXX payment ( {$1100.00} ) wound up sitting in an undirected status until my XXXX payment was received ( {$1100.00} ), then they were added together ( {$2200.00} ), {$1200.00} was taken out for XXXX, and the remainder ( {$1000.00} ) sat unused and XXXX 's payment not made. After not being a satisfied by him, I asked to escalate further. He asked that I give him a day to try and straighten it out. I received a call back from him 2 days later. He said I should make a payment then of {$60.00} and new pay. beginning XXXX XXXX would be {$1100.00}. Then I get an email showing a late fee ( XXXX ), later a state. showing {$1300.00} due XXXX, finally a letter saying I'm in default and threatening foreclosure. I need help. I thought we straightened this out, but apparently 1 dept. doesn't know what another is doing.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

Hello! 

My XXXX, sick, veteran grandfather was trying to spend his money as a gift to pay off my last student loan and this is how mohela mishandled his money. 
My dad called mohela in XXXX to get payoff balance, address to mail a check, and account number to write on the check to pay off my last student loan. They mailed a check in XXXX to Mohela for my loan # XXXX Mohela cashed this check on XX/XX/XXXX but never applied it to my loan. We called numerous times and spent hours on the phone. We have been told numerous stories. We were told by a supervisor that they would be applying to the correct account in 10 days. Didn't happen. Then we told they just needed our proof from the bank that showed mohela cashed it - we sent that documentation. We were told at one time that there was record on one of my accounts ( had a precious fed loan account that was forgiven due to PSLF ) that the check was sent to the wrong address but that in the record they could see mohela told them the wrong address when they called in XXXX. Apparently the check was sent to a location that only dealt with fed loans so could not apply the money to my FFEL loan. Since then mohela claims there is no record that my family was given the wrong address. We have now been told the documentation was submitted for refund on XX/XX/XXXX and we should get it within 90 days. I have filed numerous XXXX complaints to get to this point. It has been more than 90 days and we have no refund. I filled a complaint with federal student aid and they stated mohela told them I would get a refund 30-45 days after XX/XX/2023. Still we have no refund. I am continuing to have to pay interest and make monthly payments because mohela had mishandled our money.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ChexSystems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Information in ChexSystems Report Dear ChexSystems Consumer Relations, I am writing to dispute certain inaccurate information contained in my ChexSystems report. I have obtained a copy of my report, and after careful review, I have identified the following errors : 1. Incorrect Account Information : Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX The above account does not belong to me, and I have never held an account with the XXXX XXXX XXXX . This inclusion is a result of mistaken identity or an error in data entry. I request the immediate removal of this account from my ChexSystems report please!
Consumer complaint received 2023-05-01
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)

I am writing this complaint to TELETRACK. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction
Consumer complaint received 2023-05-01
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. (FL)

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. 

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 XXXXXXXX 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 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 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 2023-05-01
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. (FL)

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. 

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 XXXXXXXX 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 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 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 2019-11-13
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

I took out a student loan with Navient in 2007 to attend XXXX XXXX. Never gained any credits or anything from that school, because of them not being accredited made my attendance there worthless and the loan that they wanted me to pay back. I was flat out lied to. Navient denies loan forgiveness even though XXXX XXXX was sued for fraud and discredited by Department of Education. Not only that Navient has been sued for fraud in the same timeline this has happened. They did not help or give much choices, just you can postpone until you pay the amount. Both institutions were conducting fraudulent activities preying on low income. Which puts them in breach of contract. I need this removed from my credit report. This whole experience has put a burden on me and my trust in the education system.
Consumer complaint received 2023-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In accordance with the fair credit reporting act XXXX Account CAPITAL ONE, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

On XX/XX/XXXX I contacted Mohela to inquire about why the months of XXXX and XXXX ( XXXX ) are marked as ineligible payments towards Public Service Loan Forgiveness ( PSLF ). The agent I spoke to stated that it is due to being placed on Forbearance. I stated that I received a letter stated I was placed on " Administrative Forbearance '' and on my dash board it stated these would count towards PSLF qualifying payments. The agent stated I was actually placed on " Processing Forbearance '' and not actually " Administrative '' despite the fact I got a letter stating it was Administrative. I then informed the agent that I contacted them back in XXXX when I was first placed on this forbearance and requested to be taken off to which she responded she sees this on the notes but does not know why I was not taken off. I then told her that why was I placed on forbearance for that long when they were not processing anything she continuously gave me the run around stating that I was no longer on forbearance and can make two more payment which would count towards PSLF. I informed her that was incorrect due to not meeting the requirements of needing to be on a qualified IDR/ IBR plan. She reported that I did not need to be on XXXX and to go ahead and make these payments in XXXX and XXXX to meet the 120 qualifying payments. I asked the agent why was I denied for the IDR request and she reported that it was due to my income and family size, which is a mistake as another agent explained to me back in XXXX. I applied for income contingent repayment which did not have any limitations to income or family size. She then stated she is unsure. I told her that when I spoke to someone in XXXX they stated they would re-process the request but now it is just showing it got cancelled, even though my account on Student aid states it was approved. Mohela placed me on a standard payment plan instead of the payment plan I requested which they cancelled for no apparent reason. The agent stated she didn't know why it was cancelled and continued to tell me that from here on out I should not have any issues and if I make the last two payments I would be good and will meet the 120 PSLF qualifying payments to receive forgiveness. Had they not deceived me or processed my request to be taken off this forbearance I would have already met the 120 qualifying payments. I have proof of letters, screen shots of my dashboards and a recording from our conversation yesterday stating all the misinformation I received. I have worked hard to meet these sturn requirements just to be misinformed and cheated on when these could have been fixed on their end due to their own mistakes.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC. (FL)

On or about XX/XX/XXXX my wife was informed by Santandar Bank that money was taken from her money market account by an unknown person ( s ). This bank then said the money would be returned after their fraud dept. Investigated. On XX/XX/XXXX I received a letter from Santander bank stating we would not receive our funds back. Their reasoning was that the transaction was made between own accounts, no loss. An account was somehow attached to my wife 's account by a person named XXXX XXXX for XXXX $ the tranfer date was XX/XX/XXXX. We told the bank this was fraud, and that this was not authorized by my self or my wife. The claim reference number is XXXX. The bank we spoke with was in XXXX, phone # XXXX I spoke with XXXX XXXX his email is XXXX XXXX