davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

For the last week ( XXXX, XXXX  ) I have been unable to access my student loan account on MOHELA. I have been hoping to look at my loans and statements, and make my payment ( usually around {$110.00} ) which is coming up XX/XX/year>. However, there is no way to log in because of their transition to federal student aid platform. The only way to pay is via check apparently, but I am still unable to go on and look to verify information and payment. This also means if I want to pay more toward principle than interest, I can not actually see any of this information to be able to calculate. And I absolutely do not trust the post office or MOHELA to deliver and receive this check transparently and correctly. I am concerned this will affect my payment status and credit, especially since I have never missed a payment. 

Screenshot is attached- this is what it says when I attempt to log in. Not one of the buttons at the top is functional.
Consumer complaint received 2024-05-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (VA)

This is a debt buyer of an old payday loan account that was included and Discharged in my past bankruptcy in XXXX. The bank that I was with when I got this payday loan was also included in my last bankruptcy and is discharged successfully. 

However, this creditor keeps calling all around to my family members houses, they call their cell phone numbers, and on their XXXX accounts, as well as mines EVERYDAY while trying to collect their {$XXXX}. 

I have reported them already to the FTC, and to the local police. They have been posting this debt on my credit report every month since XX/XX/XXXX. This debt has caused my credit scores on all of my credit reports and made it impossible for me to obtain fair credit to purchase a house, buy a new car, or obtain a loan, or anything based on credit. Indeed, this is a scam, discrimination, harmful to me personally, and to my credit reports. I pay all of my bills on time. 

I have disputed this creditor with all the credit bureaus and asked them to remove it, but they won't.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I RECENTLY WAS DENIED FOR A MORTGAGE LOAN BECAUSE THEY SAID I HAD COLLECTIONS ON MY ACCOUNT WHEN IN FACT I HAVE NEVER OWED ANYBODY OR HAD ACCOUNTS WITH THE COMPANIES THAT I AM DISPUTING. THESE ACCOUNTS ARE SEVERELY INACCURATE AND I NEED THEM REMOVED IMMEDIATELY BECAUSE THIS IS UNFAIR AND GOES AGAINST THE FCRA. EVERYTHING ON MY CREDIT REPORT MUST BE 100 % ACCURATE BUT MY CREDIT REPORT AND CREDIT FILE IS NOT. THIS IS RUINING MY RELATIONSHIP WITH THE BANKING SYSTEM AND RUINING MY LIFE. I NEED THESE ACCOUNTS REMOVED AS SOON AS POSSIBLE OR ELSE I WILL BE FORCED TO SUE IN FEDERAL COURT. I. HAVE ALL OF MY IDENTIFICATION DOCUMENTS ON EACH OF MY LETTERS SO YOU KNOW THIS HAS NOT BEEN DONE IN ERROR
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: IDT Telecom, Inc (MN)

I normally send money to my family through XXXX XXXX. The money is normally deducted from my bank account. 
On XX/XX/year>, I sent {$XXXX} from my XXXX XXXX  XXXX bank account to XXXX XXXX for onward transfer to XXXX. The transaction went well as before, with a transaction ref. # XXXX given to me by XXXX XXXX. 
On XX/XX/year>, I sent another {$XXXX} through XXXX bank XXXX XXXX XXXX XXXX bank ) to XXXX XXXX  to be transferred to recipient. This was never transferred to the recipient. despite the fact that the amount was debited to my account, meaning XXXX XXXX XXXX paid XXXX XXXX. 
When I waited for them to send me the reference number as usual, I did not receive anything. So, I contacted them to ask what was going on. They started transferring my phone call from table to table and eventually hung up on me. 
I contacted XXXX XXXX XXXX bank to lodge a complaint and they said they will look into it. I also wrote to XXXX revolution about my money and a couple of emails were exchanged and later they told me that I have to pay another $ XXXXfor them to execute the transfer. I asked what happened to the one I paid ; nobody was able to give me any credible explanation. This is what brings me to this complaint. I have copies of the emails I sent to Both institutions regarding this matter. 
I plead that you use your good offices to investigate this issue and my money refunded to me. 
Both XXXX XXXX XXXX bank and XXXX XXXX have refused to respond to my mails. 
I need your help as this is a large sum of money to me. 
Thanks.
Consumer complaint received 2024-05-28
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: I.C. System, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX, Missouri Laws Dear I.C. SYSTEM, INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX XXXX XXXX Missouri XXXX  XXXX and fraud laws. 

It has unequivocally come to my attention that I.C. SYSTEM, INC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri statutes specifically address the unauthorized access and misuse of personal information, which is considered a serious offense under XXXX identity theft laws. 

I assert with unwavering certainty that I have not provided consent for I.C. SYSTEM, INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX. SYSTEM, INC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that I.C. SYSTEM, INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Zip Co US Inc. (OH)

I've been attempting to reach someone at quadpay whom can help me for months. 4 months after first attempt I received response regarding late fees. They are taking way too many payments for accounts already paid or from multiple accounts..
Consumer complaint received 2024-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My account is on auto-debit and in good standing, I pay twice my minimum amount every month. For this next month I am potentially looking at not continuing to pay due to the mishandling of my account. I am constantly receiving unsolicited notifications about my account, with no real information. The last straw was a message received today XX/XX/XXXX, regarding my account being put into forbearance ( not requested by me ) and furthermore on the same notification it states that the Forbearance request start date and end date as the same day, back in XXXX of XXXX. I had started a forbearance application with requested datees of XX/XX/XXXX and XX/XX/XXXX which I canceled and did not proceed with. This makes no sense and speaks highly to mismanagement of my student loans
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to request that you ensure that all information on my credit report is accurate and correct, as required by law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you have a legal obligation to maintain accurate and complete information on my credit report.

Specifically, Section 1681e ( b ) of the FCRA states that : " 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. '' Furthermore, Section 1681i of the FCRA states that : " If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate or incomplete and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) of this subsection, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' I request that you take immediate action to ensure that all information on my credit report is accurate and correct. Please investigate and verify the accuracy of all information on my credit report, and remove any inaccurate or incomplete information. 

Please provide a corrected credit report to all parties who have received a copy of the report in the past XXXX  months
Consumer complaint received 2024-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (ME)

I received a payment past due bill on XX/XX/year> for the amount of {$150.00} when I previously paid for the month of XXXX in XXXX. The XXXX XXXX loans are under XXXX XXXX account number is XXXX. I have called them over 10 times trying to speak to a customer service representative in regards to this incorrect billing issue however they hang up on my every single time. There is no way to get any assistance with this company and it is extremely frustrating. I am very upset and frustrated that I can't even get someone to help me with this issue.
Consumer complaint received 2024-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (LA)

After further review from a previous complaint it looks like the mortgage company has placed a stop payment on a check to a company I did not authorize. Now they have been returned that check and have decided to find another company to send the check too which, again, I have not authorized payment too. Im not sure what the mortgage companies malfunctions are or why they are continuing to find random insurance companies to send my money to but my next step is going to be to get a lawyer involved because this is ridiculous.
Consumer complaint received 2017-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I 've first contacted Transunion with an issue on credit inquiries not authorized by me and was oriented to contact each company to request them to be deleted directly from them, each company told me they do n't do that even if its not authorized. Called again Transunion and customer service representative told me they do n't erase unauthorized credit inquiries, that I have to request each company a letter requesting for the delete and send each one by  mail to XXXX XXXX XXXXXXXX, XXXX, Pennsylvania XXXX. The representative was more than rude and was not in the position to help me with the issue knowing that is something that affects me.
Consumer complaint received 2024-06-02
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: ALLY FINANCIAL INC. (MI)

These inquiries were unauthorized and i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALLY FINANCIAL 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 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, Account XXXX XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (FL)

IC SYSTEM IS REPORTING AN account i know nothing about, i never recieved notification from this company about this debt, I tried locating their information and saw no license info, or contact info, this account is not mine please remove.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Hello I had lost my phone while grocery shopping and I have a phone Wallet so my id and card were there. They ended up using my card and all my information was in my phone so they had access to my pin. I reported it and they are saying that since the pin was used they closed the claim and took the money out my account. I am really worried and dont know what I can do
Consumer complaint received 2024-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (TX)

From XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX, MOHELA placed my account in Administrative Forbearance. The Administrative Forbearance was not requested by me and was done so completely at the discretion of MOHELA. During this time, my account continued to accrue thousands of dollars in accrued interest. When payments restarted, all of my monthly payments ( and extra payments ) thus far have been applied to interest accrued during the Administrate Forbearances. Since the Administrative Forbearance was not requested ( nor instituted ) by me, I do not believe I should be responsible for interest accrued during the Administrative Forbearances. When I called MOHELA, I was placed on hold numerous times ( totaling over an hour ) and was stonewalled by a trainee who repeatedly restated to me the definition of accrued interest. When I asked to speak with a supervisor, I was told by the trainee that she was instructed to not put me through because I did not have an issue to discuss. I filed a complaint with MOHELA via MOHELAs online secure messaging service on XX/XX/XXXX. Because I was advised by MOHELA on XX/XX/XXXX that my account was being transferred to another federal loan servicer, I requested a response by XX/XX/XXXX, the date of transfer. On XX/XX/XXXX date, I received a response to call MOHELA. I responded on XX/XX/XXXX stating MOHELAs response was insufficient. On XX/XX/XXXX, I received a response to my XX/XX/XXXX complaint stating my account was being transferred to XXXX. No resolution was offered. 
Based on the above, I have decided to file a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ), and the Department of Education ( DOE ). My payment plan is a traditional 30-year fixed rate and level repayment plan so there is no reason for me being placed in Administrative Forbearance twice for extended periods. Even if there was a legitimate reason, I should not be responsible for interest accrued during a forbearance instituted by the loan servicer. As a result, I request the refunding of all interest accrued during the periods from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX, for which I was placed in Administrative Forbearance. 
My account ws transferred from MOHELA to XXXX on XX/XX/XXXX and the welcome letter from XXXX states I still owe {$2100.00} in accrued interest. From XX/XX/XXXX to XX/XX/XXXX, I have paid {$5400.00}, all to accrued interest.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally request the removal of late payment entries from my credit report for the following accounts XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX I take responsibility for the mentioned late payments. In the spirit of fairness and goodwill, I kindly request your assistance in reevaluating these entries.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/year>, a complaint was made to remove all addresses that don't belong to me, including incorrect names. I have pulled my credit report to see if some have been removed, but some still remain. I am requesting that this be removed immediately with no delay.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

The account with XXXX XXXX  has been charged off, and was closed by the company on XX/XX/2018. It should not be showing on my report, nor should it still be showing a balance, since it has been written off. I have not received the IRS Form 1099-C, showing this account was written off as a loss, if said company has received a tax write off.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

Went to check my Citibank checking savings account to find it blocked. No notice of any type sent to me warning of blocking. XXXX reps and after several hours of holding times could not explain why and no answer or contact from Citibank. Sorry for inconvenience is the only comment. XXXX  years customer flawless relationship XXXX FICA treated like a criminal. Citibank is in trouble of some type check it out. Thank you XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I RECENTLY GOT DENIED FOR A MORTGAGE LOAN BECAUSE I WAS INFORMED I HAD LATE PAYMENTS WHEN IN FACT I DO NOT AND WAS NEVER LATE ON ANY ACCOUNT THAT I EVER OPENED. MY CREDIT REPORT IS HIGHLY INACCURATE AND NEEDS TO BE FIXED IMMEDIATELY SO I CAN TAKE CARE OF MY FAMILY AND GET THEM A HOME. I AM BEING TREATED UNFAIRLY AND MY CREDIT REPORT AND CREDIT FILE BEING INACCURATE IS RUINING MY LIFE. I NEED THESE ACCOUNTS UPDATED TO PAID AS AGREED FOR THE DURATION OF MY ACCOUNT. I WAS NEVER LATE. MY IDENTIFICATION DOCUMENTS HAVE BEEN ATTACHED TO MY LETTERS AND THIS WAS NOT DONE IN ERROR
Consumer complaint received 2024-06-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

Macys fraudulently without our knowledge or approval, changed our delivery/home account address on or before XX/XX/XXXX till XX/XX/XXXX, after which our account was sent to collections for a unpaid debt. ( {$12.00} charge plus {$190.00} in fees ). I was ONLY notified of this by a phone call from a debt collector on XX/XX/XXXX. Immediately contacted MACYS to correct their error of the address and subsequent charges, but received no response, only referred back to XXXX XXXX XXXX. On XX/XX/XXXX received copies of the bills in question stating WRONG ADDRESS. We mailed copies of XXXX utility, water, tax bills- ( XXXX pages of docs ) proving there was no change of address ( corresponding to the dates on bills that XXXX 's changed address ) back to XXXX XXXX and XXXX XXXX. 

TO DATE THERE HAS BEEN NO RESPONSE. Have attempted to pay {$12.00}. charge with MACYS and are unable to do so. XXXX were alerted when applying for a Mortgage, that MACY 'S is reporting a CHARGED OFF/CLOSED BY XXXX XXXX. XXXXThis is negatively affecting our credit ( over {$12.00} ) and MACYS and UNITED COLLECTIONS have not corrected the error. Letter dated to MACYS XXXX. XXXX, NO RESPONSE. PLEASE correct this on our CREDIT FILE.