davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX. Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2019-06-25
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: CREDIT ACCEPTANCE CORPORATION (MI)

I have five inquires on my credit report that I do not recognize the inquires include on date on XX/XX/2018 from credit acceptance/CAC, On XX/XX/2018 come credit acceptance/CAC, on XX/XX/2018 from credit acceptance/CAC, on XX/XX/2018/ from XXXX XXXX XXXX and on XX/XX/2018 from XXXX these five companies have inquired on my credit report without my permission
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NJ)

Hello! I have a collections debt from Jefferson Capital on my credit report, in fact I have XXXX which all suspiciously showed up around the same time. Ive never heard from them nor even know what the debt is for, I had emailed them as well over XXXX days ago to no response. So I would like them to validate the debt they have for all XXXX, to prove that this is my debt and my accounts because I am certain it is not.
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (WV)

I am a member with PenFed Credit Union. I have a auto loan, checking and savings account with this Credit Union. PenFed took funds from my savings account without my consent to pay on my auto loan that was less than 30 days past due. On the Promissory Note of the auto loan contract agreement it states that if I DEFAULT on the loan I pledge all my shares or deposit payments of my loan balance. There is nothing in the contract that states the amount of days PenFed is allow to withdrawal funds without the member 's consent. This is the first time PenFed has transferred funds without my consent and my account has been less than 30 days past due before. PenFed should not be allow to transfer funds without the member 's consent. Especially, if the loan is not 30 days past due or in a charge off state. I feel violated and considering closing my accounts. This is true unfair treatment.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

This inquiry is with respect to my Macy 's XXXX XXXX XXXX ( " XXXX '' ) serviced by Citibank ( " the Bank '' ). On XX/XX/XXXX, I contacted the Bank concerning a number of fees assessed to my account erroneously. After nearly an hour the representative had not resolved my concern or indicated why I was charged the fees. Eventually, I would request a supervisor. The representative refused to connect me with a supervisor. My instructor to the representative was if we could not resolve the issues related to the fees amicably, I would institute proceedings to close my account. The representative then disconnected the line. In the minutes that followed, I received an email from Macy 's confirming my account 's closure. Not only was no disclosure read or given notice ( a requirement of the Truth in Lending Act of XXXX ), the representative refused to amicably resolve the fee issue or escalate the matter to someone capable. In follow-up on the same day, I reached a Manager at the Bank who credited the fees incorrectly assessed to my XXXX. The issue remains however that my account was closed without my full consent and the Bank violated the Truth in Lending Act. I have attempt to cure this issue with the Bank directly unsuccessfully and this action will inevitably affect my credit.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I submitted a loan payoff in the amount of {$170.00}. This was to be taken out of my account on XX/XX/year>. 

Unfortunately, Mohela, once again switched platforms to be under the XXXX of XXXX. I received this notification the day after my payoff was submitted, XX/XX/year>. 

I had a bad feeling that my payoff would not be reflected. But I waited for the transition to the new platform before calling. 

I called Mohela on XX/XX/year>. My payoff amount had not been posted to the designated loan. The new platform didn't show ANY payment history. 

The representative I spoke to was very nice and calm, I didn't have to wait in a queue long. 

I asked what happened to my payment and gave the confirmation number : XXXX The rep told me that the payment was disbursed amongst all of my loans and not just the loan it was selected for. 

He then assured me he was going to move the payoff amount towards just the singular loan I was trying to payoff. 

Here we are, XX/XX/year>. That loan payoff amount was never moved over to that loan. 

The new service site still does NOT show a true PAYMENT HISTORY. It shows the loan disbursement amount/date, and any payments made since the XX/XX/year> switch. 

Don't worry, I hope we can fire MOHELA. I am totally fine and understand I need to payoff my loans. But this utter nonsense back and forth for a year has been unacceptable. 

Do better.
Consumer complaint received 2019-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: LOAN TO LEARN (OH)

I have XXXX federal student loan and making payments under income base program. I paid my private student loan from XXXX XXXX and I paid it in full startingXX/XX/XXXXup to XX/XX/XXXX which was XXXX. Now XXXX XXXX is trying to charge me XXXX which I paid it in full 4 years. I have no idea what they are saying I have XXXX kids to take care and I do not have enough income even to pay my federal loan. I ask you to help me my condition because I am in big financial crises.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

In XXXX, I submitted a request to change from XXXX to XXXX. This is because my payments were increasing with XXXX and because I knew XXXX was being questioned. I am in XXXX as Ive worked for a public university for nearly 10 years, and I want to keep making payments. My request has not been processed and now my loans are in forbearance, meaning I cant make progress toward loan forgiveness. On XX/XX/XXXX when my loans were placed in XXXX forbearance, I reached out and asked if they could process my form from XXXX so I could keep making payments. No response. I dont have hours to wait on the phone with them for them to say they cant help me. This is directly impacting my finances and path toward loan forgiveness.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IA)

Over the course of the last year and a half, I have made multiple requests with instructions of how I want my payments to be applied. They continually disregarded these requests, resulting in me paying more in interest. 

In addition, the website is constantly being updated, I receive notifications with little explanation of what they mean and they are constantly changing the process.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

I send letters to the company LVNV funding asking for validation of these debts also send same request to resurgent capital send letters to companies on are about XX/XX/2024 and send again XXXX XXXX Account # XXXX Account # XXXX Account # XXXX This company keep violating my request and rights under 1006.34 Notice FOR Validation of debts
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (KS)

I initially signed up for an Income Driven Repayment Plan when my student loans came due for repayment early this year. I found out months later that I was somehow on a standard repayment plan, and supposedly owed over XXXX XXXX dollars. I paid the amount requested. Then I requested that my payment plan be switched to an Income Driven Repayment Plan using the MOHELA website in XXXX. When making a phone call about it, I waited on hold for almost an hour before hanging up to leave for work. I later filled out a form on the MOHELA website to change my payment plan under my own initiative, after discovering that feature which was difficult to find. I was informed that my request would be processed within XXXX to XXXX weeks. It has been over XXXX weeks and the only communication I have received from MOHELA is to inform me that I have payments coming due soon.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This issue is an existing problem which XXXX and Equifax, XXXX  wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation wentXXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TN)

XXXXXXXX XXXX  is a company owned by one company ( XXXX XXXX XXXXXXXX XXXX ) This a XXXX XXXX XXXX. XXXX XXXX  and XXXXXXXX XXXX are reporting that my business account ( XXXX XXXX XXXX ) is a consumer credit account ILLEGALLY, after I closed my XXXXXXXX XXXX account. 

None of the 3 credit bureaus will remove the account from my consumer credit report. 

Both companies recently ( XX/XX/year> ) reported activity on my report as a consumer debt. Neither will supply the initial business account agreements. 
This act dropped my consumer credit score -XXXX points in one day ( XX/XX/year> ) American Express is practicing the exact same tactics illegally reporting my Business Credit ( XXXX XXXX XXXX ) as Consumer credit. I also previously closed my consumer account with them as well after XXXX years. 

Neither account is delinquent but the actions gives the impression that my revolving credit is increasing and it brings down my credit score on all 3 bureaus. 

The bureaus WILL NOT properly investigate and resolve the facts of the disputes after XXXX  years. 

I need a mediator to investigate and assist in resolving these issues and/or disputes before I am forced reluctantly seek legal counsel.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I received a notice today from the courts. I looked it up and Portfolio Recovery / XXXX XXXX is suing me for a debt from XXXX. I saw this online. I never received any thing in the mail regarding any of this court stuff. Just this letter that came today that I missed. But it appears they are suing me. Statute of limitations is up. This is 9 years old.
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stenger & Stenger, P.C (KY)

XXXX bought my debt they had Stenger & Stenger PC attempting to collect it. They sent me a letter. I requested a debt validation. They then sued me. I was served by law enforcement 26 days after I recieved the initial letter. I contacted a lawyer and they had my suit dropped. They counter sued XXXX. Even unable to verify my debt XXXX will not delete the account off my credit. The original letter was dated XX/XX/21. It came in the mail XX/XX/21 ( per informed delivery/with photo ). My court documents were dated XX/XX/21. My attorney has copies of communications and the outcomes of litigation.
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

According to the Retail Installment Contract you were assigned and have security interest in, the finance charge is defined within the contract as the dollar amount I owe in connection to the credit for which was applied. The credit applied for was in the amount of {$16000.00}. Section 1026.21 of the Truth In Lending Act ( TlLA ) states When a credit balance in excess of {$1.00} is created in connection with a transaction the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer ; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer. 
The credit balance upon the inception of the transaction between you and I was {$16000.00} as indicated in the transaction history you provided. The credit of that amount was not credited to the balance at the inception of the transaction as it should have been. Based on your transaction records I have paid more than I should have in reference to the finance charge, under deceptive pretences. The finance charge is stated as {$4600.00} in the contract. 

I would not go as far as to defame you and claim fraud has occurred on your part in this instance, however it is very evident according to the laws by which this transaction are governed and the contract that we entered into, that full disclosure regarding the nature was not given, and inaccurate and unfair credit billing practices have taken place. As a result of the unfair credit billing practices inaccurate and unfair credit reporting practices have also taken place due to the omission of the true nature of the contract signed. The late payments and inaccurate reporting status of this account to credit reporting agencies places you in violation of many laws under both TILA and FCRA.

I understand that circumstances arise which may be out of our control, however willfully and knowingly engaging in acts which cause detriment to a consumers financial standing and capability, not only directly impair the efficiency of the banking system, but are punishable offenses under TILA and FCRA. I would like offer an opportunity to remedy the inaccurate and unfair credit billing practices in addition to the inaccurate and unfair credit reporting practices which arose due to the willful omission of the nature of the contract that you were assigned.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (VA)

In XXXX, I consolidated my student loan after seeing from the studentaid.gov website that consolidation is better for counting payments against XXXX XXXX XXXX XXXX ( PSLF ). So, I filed an application for loan consolidation and during the process there is an option to select XXXX XXXX XXXX ( XXXX ) options. I chose the XXXX plan which I was already on prior to submitting this consolidation application. After the loan consolidation, the loan is not on standard repayment plan which almost doubled my monthly payment. The studentaid website still says that my XXXX application is pending. I called Mohela, my loan servicer multiple times and every time they told me to wait and call back later. My payment is due by XX/XX/year> and Mohela still says that they haven't processed it. I called today to find out what's going on and they said that due to the recent court/legal activities regarding XXXX plan, they are not processing any applications. All student loan accounts that are on XXXX plan currently don't have to make a payment until there's further decision/ruling and their accounts are not accruing interests. However, since my IDR application is still pending and Mohela is not processing my application since XX/XX/year>, I can only request to be in forbearance which accrues interest. Can you please help Mohela process my XXXX application as soon as possible? It's unfair that I was recommended to consolidate my loan and right after I do that I can't no longer to be back in the XXXX plan any more and my payments are doubled.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

In XX/XX/XXXX I went to XXXX XXXX XXXX XXXX of XXXX XXXX in XXXX XXXX and the School along with Sallie Mae/Navient enrolled me in a Predatory Subprime Private student loan on XX/XX/XXXX for {$14000.00} with a 13.25 % interest rate and knowingly my credit score was under a XXXX score immediately should've been denied for this loan. Fast-foward the loan has doubled and Sallie Mae/Navient sold my account on XX/XX/XXXX to a collection agency who has taken legal action through the courts and I'm having my income garnished {$920.00} at a higher interest rate and the balance is now over {$88000.00}. So I am a sweet member and I qualify for the predatory subprime private student with the NavientAGSettlement for this private loan. So I submitted a Misconduct Discharge to Navient and they denied me for a loan that they provided to school and not me.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to file a formal complaint against TransUnion for their failure to respond to a dispute letter I mailed on XX/XX/2024. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as the correction of incorrect personal information. 
To facilitate the verification of my identity and address, I included a copy of my photo ID, Social Security card, and a recent bill with my current address along with the dispute letter. Despite my clear and thorough request and the provision of these documents, I have not received any response from TransUnion regarding the investigation results. 
I received a response back from TransUnion dated XX/XX/2024 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (LA)

In XX/XX/year>, I had cadence bank. I was going through financial hardship and was applying to XXXX XXXX online to get some extra cash for bills. So it was different lenders that were receiving my information. One lender called me by the name of " XXXX XXXX XXXX '' and took my information and stated he will deposit the loan in my account. When that money reached my account, I noticed it was checks being deposited. I texted the " lender '' and stated i did not want to proceed and I will contact the bank to get it cancelled. XXXX stated it was money added to my account and it's fine. I stated what happened and I had to pay cadence bank {$800.00} and they closed my account. This same hacker got upset and stated he will make my life XXXX and miserable attacking all of my bank accounts. I currently have citibank and when I got paid through citibank, the scammer also took my money out of my check TWICE and sent money to XXXX people by the name of XXXX XXXX and XXXX XXXX or XXXX? I disputed my money and got the money back. The XXXX XXXX  person has disputed the money BACK out of my account and citibank REFUSES to give me my money back when you can clearly see it was taken when i got paid!!!!! I have NO idea who XXXX XXXX  is nor the " lender'/scammer. I need help asap!