davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (OH)

I am writing to express my concerns and seek your assistance regarding a significant issue with my federal student loans, which are currently being serviced by Mohela. I am now facing a significant financial challenge caused directly by the ineptitude of the loan servicer. 

I currently owe {$71000.00} in federal student loans. Since the repayment of my loans was required, I have been enrolled in an income-based repayment plan, which required monthly payments of {$660.00}. However, following the transition of my online loan servicing platform from Mohela.com to Mohela.StudentAid.gov, my repayment plan was unexpectedly changed to the standard plan with a monthly payment amount of {$810.00}. This change was made with

out my consent or any explanation beforehand. I have contacted Mohela and Student Aid multipl
e times to resolve this issue and have requested to be placed back into my original income-based repayment plan. Unfortunately, the representatives and their supervisors have been unable to assist me and state they do not understand why my repayment plan changed. They have informed me that they can not revert the changes to my original payment amount and suggested that I re-apply for an income-based repayment plan. 

The problem with this suggestion is that plan processing is currently halted due to ongoing legal issues with certain income-based repayment plans. As a result, I was left with no immediate recourse and I was responsible for paying the higher monthly amount of {$810.00}, which would have put a significant financial strain on my family. Because of the inability to pay this higher amount, I had no choice but to ask Mohela to place me on forbearance until the new payment plan gets processed ( which is currently halted ). Due to forbearance, interest continues to accrue on my account. As it stands, because of the failure and inaction of Mohela to appropriately perform their duty as my loan servicer, I am being financially exploited. Over the last several months, I have attempted to resolve this issue by contacting different resources and my efforts have been futile : Mohela : Called XX/XX/year> and XX/XX/year>. Have sent emails via their online account portal on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> Federal Student Aid : Submitted a complaint via their online portal XX/XX/year> Congressional representative office : Submitted congressional inquiry request XX/XX/year> Given these circumstances, I am urgently seeking your assistance to help address this issue. Specifically, I would appreciate any support you can provide in facilitating the reinstatement of my previous income-based repayment plan so I can continue with my payments and avoid the undue financial burden of the higher standard plan payment amounts and the unnecessary accumulation of interest caused by the forbearance. 

Thank you very much for your attention to this matter. I look forward to your prompt response and any assistance you can offer.
Consumer complaint received 2024-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I received notice from XXXX  that XXXX  no longer contracted them for insurance and I was to be dropped. On XX/XX/year>XXXX  I purchased insurance with XXXX. Transworld systems Inc sent a letter for collection and on call they verified the amount was for the month of XXXX. I disputed it as my bank statement shows XXXX  collected XXXX on XXXX for the month of XXXX, and on XXXX XXXX  refunded me XXXX for the unused days for the XXXX policy period. 

The first time transworld contacted me I disputed the debt. I also called XXXX and XXXX. 

The second time TSI sent a letter XXXX I requested proof of debt as I had bank statements showing I not only paid, but XXXX XXXX part of the policy that was unused. XXXX nor XXXX have sent any prior notice. I informed TSI of this as the reasons I want proof of debt. They provided no proof and on XXXX they sent another notice to provide payment with no proof of debt. 

The letters are identical with only different issue dates for when they were sent out. As they refuse to provide proof of debt from XXXX or XXXX and this is the third time I have to call them disputing the debt and second time requesting proof of debt. I feel this falls under harassment as they are not fulfilling my request for proof and continue to threaten my credit report.
Consumer complaint received 2024-07-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

We have attempted to access the PNC account to help us fund our mother 's expenses in a skilled care facility. We have attempted to gain access since XX/XX/year> and all our attempts have been rejected and no reasonable explanation has been granted despite our telephone calls and letters to the company. 
We sent two letters asking a DC that maturing on XX/XX/XXXX to be deposited into the checking account and no action was taken by the bank or response was returned to us... 
We also provided a POA that was also rejected with no reasonable explanation given. That POA has been accepted by other banks, other organizations and for the sale of real estate.
Consumer complaint received 2024-06-02
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: Credit Karma (IA)

Somebody hacked into my credit karma information and changed the email and password on the account. I received an email notification letting me know that it was changed I immediately let credit karma know that it was done fraudulently and advise them that I was still able to access the credit karma account with my fingerprint on my phone but could not update the email. credit karma responded to my concerns and then immediately closed my service ticket with them and told me that they could not help me because my email that I was using to submit the issue was not the original email used to open the credit karma account. I explained to them that my email XXXX and XXXX are one and the same XXXX converted my XXXX  to XXXX back in XXXX but they are the same account. I am not able to send an outgoing email showing the old format however I advised that if they sent an email to the old format XXXX XXXXXXXX I would get it and could respond to that email chain if they wanted to verify it was me. All three attempts were closed for that one simple fact even after sending my SSN passport ID and bill showing my address as they requested. They have no phone number for me to actually talk to someone and keep closing my issue tickets with the same copy paste response. How can a fraud be this easy to get away with but impossible to resolve because the company has no way to escalate the issue and give generic answers.
Consumer complaint received 2024-08-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY (MD)

HELOC Account # XXXX I have a XXXX HELOC with Wells Fargo that is at the end of it's 20 year draw period and must enter the repayment period. The adjustable rate on this HELOC is prime minus XXXX so the current rate is XXXX because prime is at XXXX. 

In XXXX of XXXX I was offered to convert to a 20 year amortization with a fixed rate of XXXX. At the time, prime was XXXX and 20 year fixed term mortgages in the marketplace were at roughly XXXX. I discussed with the Wells Fargo representative waiting and hopefully exercising my option to convert to a fixed 20 year amortization at a more opportune when rates were lower. I was told at that time I could monitor market conditions and lock in a 20 year amortization based on market rates at anytime up until the end of the draw period on my HELOC which is XX/XX/XXXX. 

I would like to exercise that option now. Market rates for a 20 year amortization loan at this time are approximately XXXX roughly the same as they were in XXXX of XXXX. However, Wells Fargo will not honor what they told me on their recorded call. At this time they will only allow me to either convert to 8.5 % 20 year amortization or let the existing loan with the existing adjustable rate roll over to a repayment option of 2 % of the existing balance due per month which will be {$9600.00} monthly payment.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC XXXX XXXX, XXXX XXXX ___ ( XXXX ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Consumer complaint received 2024-07-09
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. (NV)

XXXX XXXX was never served by clerks and Writs not signed and seal by clerks 28 U.S. Code 1691 - Seal and XXXX  of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

SEC v. Jarkesy, 603 U.S. ___ ( 2024 )
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC. (NV)

Fourteenth Amendment Equal Protection and Other Rights Section 1 Rights All persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws. 
Ally Financial omitted letter XXXX XXXX car was sold XX/XX/XXXX and never provided any proof of service. Ally Financial sold car while under Federal Law Suit in XXXX XXXX XXXXXXXX XXXX. 

XXXX XXXX XXXX XXXX. XXXX, XXXX Filed XX/XX/XXXX Page XXXX of 10 Violation o

f Seventh Amendment Jury Trial When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

SEC v. Jarkesy, 603 U.S. ___ ( 2024 )
Consumer complaint received 2023-04-22
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. (NY)

In accordance with the fair credit act the following companies : XXXX acct XXXX XXXX, XXXX acct # XXXXXXXX XXXX  XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX  acct # XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX has violated my rights XXXX 

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 instruction.
Consumer complaint received 2024-05-17
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: Experian Information Solutions Inc. (OH)

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 XXXX party. They in fact did not come from a XXXX 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : XX/XX/XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XX/XX/XXXX The information listed below, that is currently listed on my credit report is a result of that XX/XX/XXXX. Listed below are the Personal Information that are being challenged Employer - XX/XX/XXXX Incorrect Name : - XXXX I XXXX Employer - XX/XX/XXXX Incorrect CurrentAddress : - XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Listed below are the XXXX that are being challengedXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXXXX/XX/XXXXXXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-28
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. (GA)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2024-07-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (TX)

A debt collection company with the name Sunrise Credit Service has damaged my good name and credit by posting an invalid account under my Name and SSN, I have contacted several collections companies in the past with this same account for {$330.00}, THAT WAS RETURN IN 2021, AND RESOLVED BY THE ORIGINAL PROVIDER XXXX. Sunrise Credit Service never contacted me by phone or email, before placing this account on my file, I am XXXX! I will be taking legal Action. 

I have enclosed the information that the team at XXXX CPE Escalation sent me. 
Sunrise Credit Service, engages in fraudulent business practices and should be sued!
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

This is the email I received on XX/XX/XXXX from a creditor that I have been with for close to 20 years. I have NEVER been late, have always made above the minimum payments ( with the exception of the last few months ) and because I charged {$500.00} for a boat rental, this email was generated. I immediately called and explained my distaste and how this was an unfair business tactic. Even though they did not demand the payment they gave me 3 days to come up with 25 % of my balance or else they will reduce my limit which will ultimately affect my credit. My limit was $ XXXX and they lowered it to $ XXXX because of what they found on my credit? They stated upon my phone conversation I was " using my card too much '' which is what flagged the account?? My limit is set to be used and as long as I am paying, what is the issue? I did read my agreement and it says " XXXX to some terms XXXX require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We can not change certain terms during the first year of your XXXX membership. '' 3 days does not suffice for the advanced notice. 

XXXX below - As a responsible lender, were always monitoring our XXXX XXXX accounts. Based on what we know about your payment history, including payments made in relation to your current debt with American Express, as well as your credit scores and other credit bureau XXXX, your account is being reviewed for a possible limit reduction. 


What you can do Make a payment towards your balance to maintain your current limit we wont take the action stated above if you make a payment of {$3800.00} by XX/XX/XXXX. 

Heres how you can make a payment Log into your account to make a payment online.

Call us at the number at the back of your Card.

Make a payment through your Amex App. If you dont have the app, you can easily download it now.

Something to keep in mind Until the review is complete or a payment is made, you and any Additional Card Members may experience temporary disruptions to your spending.

Were here for you If you have any questions, feel free to chat with us online or in your Amex App, or give us a call at the number on the back of your Card. Were here for you XXXX.
Consumer complaint received 2024-07-09
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: BARCLAYS BANK DELAWARE (MD)

while checking my most credit report I notice a credit inquiry that I didn't recognize BARCLAYS BANK DELAWARE XXXX XXXX XXXX INQUIRY DATE XX/XX/year> I did not authorize anyone employed by this company to make an inquirynand view my credit report. This is a violation of the fair credit reporting act section 1681 b c an a serious breach of my privacy rights. 
Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any fradulent inquiries be immediately deleted from my credit file that is maintained under my social security number. 
Please note that you have 30 days to complete this investigation per fair credit act section 611. 
my contact information will appear on this complaint
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I don't recall ever agreeing to a contract with your collection company. Provide proof that this account rightfully belongs on my credit report and that my rights haven't been violated, or terminate this account immediately. Under 15 U.S. Code 1692e ( 6 ), debt collectors are legally bound to avoid false information or misleading statements about the nature, amount, or legal status of a debt. It's illegal to make deceptive claims or misrepresentations regarding the debt being collected.