davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I previously filed complaint XXXX. Mohela responded that my account was put into forbearance as a result of the SAVE plan being on hold. The CFPB closed the complaint based on their response, which was a lie. I have NOT been put into forbearance. In fact, Im now showing as past due, stranded in the level payment plan because they didnt process my SAVE application for two months before the court paused the SAVE plan. Now Im stuck either paying monthly payments that wont count towards the IDR forgiveness Ive been working towards for 15 years, or being delinquent and ruining my credit score. I was deceived into consolidating by my servicer and am now being financially harmed as a direct result of their negligence. All I want is either put in the SAVE plan that I applied for and was in prior to consolidation or to be put into non-interest bearing forbearance like all the other borrowers who were lucky enough to have a loan servicer that isnt incompetent.
Consumer complaint received 2024-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

XXXX Since I have been working as a XXXX  XXXX  for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, student loans have never been forgiven. This is always true even after submitting document after document. Currently, XXXX services student loans, and they have engaged in tactics such as : unable to connect with a person for help by utilizing long hold times and redirecting to no one creating no response and burdensome requests for my situation, such as approving XXXX for debt forgiveness creating a no-response pattern and burdensome requests to satisfy requirements such as extenuating XXXX XXXX like XXXXXXXX XXXX XXXX XXXX sending conflicting emails and messages for a bill due or forbearance approved sending emails and messages regarding not qualifying for student loan forgiveness through service sending emails and messages regarding not qualifying for student debt loan forgiveness due to extenuating XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC (NJ)

Dear CFPB/ Madam/Sir : I checked my XXXX Credit report and I saw a debt collector that In state of send me a notice of a letter. ( 30 days for me to answer ). The debt collector did not do this Legal action. However with out my authorization went in to my XXXX and the XXXX others credit Bureaus XXXX and XXXX XXXX and look at my credit reports and add in my credit reports my name and the amount owe, by the original creditor that was already PAID OFF. And my balance is 00 %. This debt collector is braking my consumer rights and is braking the Federal Laws by not writing me a letter before going in to braking my privacy and abusing of power going in to my personal credit files. I respectfully demand from this debt collector to legally send me by US mail a letter, than I will answer the letter on or before 30 days as per Federal Laws dictate. I also Respectfully Demand form this debt collector to take me out of my XXXX credit Bureaus Report Agencies. XXXX, XXXX, and XXXX XXXX, until this very important matter is resolved on or before 30 days time limited by my consumer rights and by the Federal Laws. Also this debt collector should be fine and there licensee to collect be taking away, by braking my Privacy ACT, by abusing of power, by braking State and Federal Laws.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

I had issues with the app for Amazon XXXX  where a memory leak occurred and the app froze. In the end of a transaction where checking out of the virtual grocery store it automatically adds a tip which increases as the total amount of your order grows. I have personally used this on a number of occasions and only give a {$2.00} dollar tip as a testament to my protest against having to make up the shortfall in wages that Amazon pays its drivers. Its not my job to fund their XXXX because their hourly is not enough to eat. Frustrated with having to modify every single thing on the checkout from the type of card ( XXXX  ) to the tip I missed a option. This is the issue that can occur when the app doesnt work and causes you to go back three times. There is no receipt as its virtually addressed by the store offering a suggested tip which I protest giving them {$7.00} plus a fee monthly for the service along with inflated prices on groceries to pay for the service. Where else can they hide the fees? I am asking that Chase change the {$5.00} dollar suggested tip to my normal {$2.00} dollar tip as the app was so problematic that day in completing the transaction that its assumed a keypad error occurred after having to modify the type of card to XXXX and the suggested amount of the tip.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (OH)

Upon reviewing my recent credit report, I noticed an inquiry from XXXX XXXX XXXX XXXX XXXX, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (TX)

I am not including my full personal information, just last XXXX digits. I have a savings account with XXXX by Goldman Sachs, account number ending in XXXX, my SSN ends with XXXX, XXXX XX/XX/XXXX. 

I made a transfer of XXXX to my wife 's account in XXXXXXXX XXXX on XX/XX/XXXX. ( XXXX statement for XXXX is attached ). The amount appeared in her account under XXXX XXXX, but did not show under active balance - because she was informed that XXXX had put a hold on it. Further, my XXXX account access was suspended and was activated after I called XXXX called back as per their process to do a proper identification. 

Since then I have been trying to resolve the hold on the {$XXXX}. I called their customer service on XX/XX/XXXX and was told that the {$XXXX} would be credited back to my account in XXXX days. This is the XXXX time they have promised to credit my account with {$XXXX}. My wife has also checked with her XXXX bank, and told that XXXX would have to release the funds by removing the hold. 

My request is for XXXX to credit the {$XXXX} with interest back to my account. I have already identified myself every time I have called and they call back ( 3 times so far ). If further identification is required, please let me know. Thank you.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-01
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. (MA)

I once more requested that the false information that had been removed by another credit reporting agency after it was shown to be false be corrected. Credit Bureaus have disrespected FCRA standards and my request for verification because of your lack of response, or your frivolous response, in my opinion. I have to update my records and fix mistakes made by credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

My sister and I were on a FHA loan. We decided to sell the home and requested our loan servicer ( XXXX  ) to place us in forbearance during that process. They agreed, and the loan was approved for forbearance for XXXX, XXXX, and XXXX of 2024. When XXXX came and the home still wasnt sold we asked if we needed to pay the entire amount due or if what was owed could be placed at the back of the loan, so that we could start fresh with XXXX payment. We were approved and placed in a trial program ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which was to start XX/XX/year>. We never missed a payment and were never late. We sold the home XX/XX/year>. While in the trial program, the loan was transferred to a new loan servicer ( XXXX XXXX  ). On my credit report the mortgage loan reports as XXXX  days late, which is inaccurate. An approved forbearance can not be reported as XXXX  days late and, while in the trial program we were never late. I disputed this inaccuracy with all XXXX Bureaus and the information has not been updated to reflect accurate information. Due to this error, I can not buy a home now or in the near future and am forced to rent a home for my family. I have attached the proof of XXXX  and XXXX XXXX. I provided this same proof to the Bureas.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MD)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-11
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CA)

Hi my name is XXXX XXXX, I am the owner of my PNC acct, with routing number:XXXX ; an account number:XXXX. I recently made a claim with you guys about my account an a bunch of UNAUTHORIZED TRANSACTIONS ... .... My original claim stated " Hi my name is XXXX XXXX, I am the owner of my PNC acct, with routing numberXXXX ; an account number:XXXX. My account was compromised, as well as my debit card. I last seen it XX/XX/XXXX with my last transaction being my smoke shop transaction for {$22.00}. After that I fell sick, an I sent a few XXXX XXXX but that was it, an it didnt require my acct or card so i still didnt notice anything. I still didnt notice anything until early this morning the XXXX I tried to send another XXXX  an it declined, once that happened I check my acct an saw all the charges. There were charges from XXXX for over {$2000.00} as well as over XXXX charges in HAWAII!! including a hotel charge, XXXX, ect... I called PNC who Ive been a member with over XXXX an was told I will receive {$250.00} in provisional credit an that was it, until a 45 day investigation took place. I think this is so unfair, im late on rent, my car note, an even child support. '' After all of that, I was contact and told that I will be receiving a new card in the mail ( WHICH I NEVER RECEIVED ) ... .... an also provisional credits during the investigation ... my account did receive provisional credits however I DID NOT have the card yet when the money was added on there.so I just saw it posting provisional credits THAT I COULDNT USE YET .... An then all of a sudden the credits start being used as well!!! ...... so someone must have intercepted my card, and began using the credits as well as a bunch of other purchases I don't recognize ... .. so basically I NEED TO DISPUTE EVERY SINGLE TRANSACTION ON MY CHECKING ACCOUNT ENDING IN XXXX starting from ( XXXX XXXX2024 ) through TODAYS DATE ( XX/XX/2024 ) ...... I seriously need my cash and I haven't been able to do anything as PNC is the only bank account that I have, I've been waiting and waiting on a new card just to see that my account is still being used, and when I called to let them know this I was transferred line after line and always with someone who didnt understand me or I didnt understand them, an I eventually got hung up on XXXX time .... I really need all of my funds immediately, even if it's just the original provisional credits/final dispute credits that you guys posted. I have called multiple times and have not been able to get through or either there's a language barrier, please return my money I do not have money for food, child support, my car note, and I am going to be put out in 15 days please give me my money back, at least the provisional credits/final dispute credits totaling XXXX
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXXXXXX XXXX XXXX XXXX my bank account was closed because a reversal transaction that I put in. when I receive my money I went to my local branch to withdraw funds. They then told me I would have to wait a day but I was able to use the ATM. I went to use the ATM machine and all of a sudden my card was locked. Ill call Citibank and they said my account was being close. they then told me to wait 30 to 60 days upon my account being fully closed out and I will receive a check in the mail for the remaining balance of the money that was in my account. I called them today which is XX/XX/XXXX. My account is fully closed out and I still havent received any funds so I didnt ask them whats going on with the funds now theyre saying theres no money owed out to me and thats all they can tell me and continuously hangs up the phone on me. I would really like for the situation to be resolved as soon as possible. Thank you. 

XXXX XXXX Account # XXXX Business name : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Love, Beal & Nixon, P.C. (AR)

When I was looking in to this internet loan it was 2019. 

35.95 % intrest, - {$10000.00} financed-, {$6400.00} intrest. 
Company XXXX, XXXX XXXXLove Beal & Nixon The person told me that if I couldn't repay the loan we could go to arbitration and greatly reduce to amount. However he also stated that if for whatever reason they did not offer me arbitration not only would the loan be null and void but the company would have to pay me a minumin of {$7500.00} and any legal fees. Now they are threating to get a judgement against me. I am XXXX XXXX XXXX living, or trying to live on social security.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

Appealing Citibank 's Decision I am writing to appeal Citibank 's decision to deny my dispute against XXXXXXXX XXXX XXXX ( " XXXX '' ) regarding a misleading listing for an apartment in XXXX. Here are the key points : - I booked an apartment in good faith after the host assured me it was reasonably quiet, but failed to disclose the adjacent unit was under construction. 

- The construction noise was excessive due to thin walls, forcing me to leave the apartment XXXX hours daily to work remotely. 

- I tried a different unit in the same building but the construction noise was absollutely overbearing on a daily basis including weekends and nights. 

- Had the host been honest, I would have selected a different place to stay. The host 's omission was intentional to induce me to book the property- XXXX 's " Host Friendly '' refund policies make it nearly impossible to get a refund from the merchant. 

- After the host made it clear that he would not provide a refund, I vacated the property and took a hotel for the rest of my stay. I provided details to Citibank. 

- I provided Citibank with specific evidence ( text exhibiits of my conversations with the host ) proving the host misled me, but they closed the dispute in XXXX 's favor. 

- Citibank claimed they had no further information from XXXX to justify their decision and could not compel the merchant to provide more details. 

I am appealing this decision because the evidence clearly shows the merchant misrepresented the property 's condition, violating XXXX 's own policies. Citibank should have used their leverage as a major credit card issuer to compel XXXX to provide a full refund in this case of egregious misrepresentation. 

I request Citibank re-open this dispute in the amount provide the full refund, and take appropriate action against XXXX to prevent similar incidents in the future. Please let me know if you need any additional information from me to support this appeal. I look forward to your reconsideration. 

Sincerely, XXXX XXXX Transaction Details Transaction Date : XX/XX/2024 Dispute Date : XX/XX/2024 Transaction Amount : {$1600.00} Dispute Amount : {$920.00} Merchant/Description : XXXX XXXX XXXX XXXX Citibank Dispute ID : XXXX