davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Account Details Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX 48 % {$1400.00} XX/XX/XXXX XX/XX/XXXX {$3000.00} - {$1400.00} {$1400.00} - Individual Inquiries XXXX XXXX XXXX Inquired on On record until XXXXXXXX XXXX XXXXXXXX Inquired on On record until XXXX XXXX Inquired on On record until XXXX > XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX until XXXX XXXX Inquired on On record until XXXX Inquired on On record until XXXX Inquired on On record until XXXX XXXXXXXX XXXX Inquired on On record until XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on On record XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX I ask that alll these inquires be removed from my credit profile as this is a defamation of my character and not allowing me to get new credit or home loans thanks 30 days from this day I will need information about this matter or I will be forced to sue!
Consumer complaint received 2023-12-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BoA has reported my account as delinquent, in response to an autopay error on their end. My credit has fallen from XXXX XXXX XXXX because of their error. The statement is not accurate, as autopay was set up and payment was sent but the company rejected the autopay, and then did not mail any paper letters or reach out via message, email, or phone to alert me. 

Explanation of issue : I had autopay setup for a pre-determined amount ( {$140.00} ). I had a final bill of {$31.00} in XXXX. When the autopay was sent for the final bill, it was rejected by BoAe because it was greater than the balance. 
I received no letter, phone call, or email warning me that I was late in payment or that the autopay payment was returned. 
Bank of America then marked my account as delinquent. 
As soon as I realized what had happened, I paid off the balance. The customer service representative assured me he would remove the delinquency from my account, but that has not happened, so I am hoping you can help me move this case along. 
Steps I have taken : I started a dispute process with Bank of America 3 months ago. I have called them to check in on it and each time and told that it has been escalated, but that the timeline for resolution is undetermined and they can provide no further details. There is no paper trail or case number in my account portal with them. 
I opened a dispute with XXXX XXXX XXXX, and they came back with the determination " The information you disputed has been verified as accurate ''. 
I would greatly appreciate your assistance with moving this case along as there seems to be no resolution in sight from BoA, and they did not communicate any of the failings of their autopay system. 

Best, XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MD)

I am XXXX XXXX I did not sign the master promisary note. I never needed a loan the fees charged were payed by the Gi bill I have Also any additional would have been covered by the XXXX worth of Pell grant funds that was received. I was over changed and now my credit report is also suffering for the fraud that was committed on the behalf of the XXXX XXXX XXXXXXXX. The contracts or promisary notes were forgeded my signature is not there along with some of the names and addresses are not mine as well. This issue has been known since 2018 and nothing was done I want this issue resolved immediately as it effects the stability of my household.
Consumer complaint received 2023-09-22
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. (TX)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL (MT)

On XX/XX/2023, at TJMAX XXXX, MT XXXX, I purchased {$53.00}. Out of this amount, {$1.00} was paid through a gift certificate, and I paid {$5.00} in cash because I couldn't find the receipt. However, the transaction was attempted through a Mastercard, not a store-brand debit card, as it seems to be recorded. This mistake is negatively affecting my credit, and I need it to be corrected as soon as possible.
Consumer complaint received 2023-12-21
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have several credit cards account opened in my name without my consent. I noticed this been done when i tried applying for an apartment and my credit report had all of these credit cards account open which affected my credit scores and opportunity to get the apartment. I need my credit to be repaired and to remove all of these fraud accounts that were open without my knowledge. It isnt fair for me to be stuck and having to pay for something i didnt authorize.
Consumer complaint received 2023-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I am a first time homebuyer and bought the home in XXXX. My mortgage was sold to the current lender, Citizens and after the 12 months my insurance lapsed. I was not notified, no calls, no texts, no emails - I get billings about paying my monthly mortgage payment every month, meaning my email works just fine for them to make sure they get their money. 
Citizens did not inform me that after buying my mortgage last year in XXXX that they did NOT have the insurance information and couldn't renew it. Both Citizens and the insurance company admitted that this happens often to first time buyers. Citizens reps on the phone stated they see this all the time, yet, they don't have anything in place for this. I lost my insurance due to this lapse and now my payments went up about {$100.00} a year because of this. I never received any formal communication when Citizens bought my loan that this may happen and no notice that they couldn't contact my insurance company. They then went on to forcibly purchase me insurance at {$1000.00} when my original cost was around {$700.00} per year - currently {$800.00} because of this.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I was doing An investigation of my credit a short while ago and was riddled with panic upon seeing a number of blunders. It is clear to me the information being reported was not wholly accurate. I need this corrected as I am needing a new card and these errors are making it nearly impossible at a fair rate
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

1. XXXX XXXX  Bankruptcy 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX  I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

On XXXX XXXX, XXXX, Chime sent me an email welcoming me to a new account which I had not opened. On XXXX XXXX XXXX, Chime sent another email saying a debit card was shipped. The address did not match my address. 

I called Chimes customer support on XXXX XXXX. They asked some personal information ( which I should not have provided ). I asked to close the account. They did not acknowledge they would do so. Instead they seemed to indicate that whoever opened the account had erroneously given my email and phone number. This did not sound plausible unless it was fraudulent. The customer support agent said that my email and phone will no longer get notified. Customer call ID reference XXXX ). 

Right after the call I got another email saying that the email address had been changed. The new email simply had XXXX added at the end of my email ID, before the @ sign. This is the same response Im reading other customers have also complained about on XXXX publicly. 

I emailed back again and asked to delete my account. Their reply again asked me for personal information, which I was not comfortable giving. I asked that they close the account associated with my email, where I was replying from. Again they did not confirm they would do so.
Consumer complaint received 2023-12-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I made a purchase on or about XX/XX/2023 from XXXX ( merchant ). After receiving all the merchandise from my order, I started the return process per the company 's instructions. I exchanged several emails with XXXX 's customer service representative over regarding the return and was told " Please DO NOT ship until we have authorized and shared return instructions. Otherwise, we will not be able to process the refund for you at all. '' They never sent the authorization even after I requested it via email. I filed a dispute with my credit card company Bank of America which was denied after five ( 5 ) months of back and forth escalations. I provided approximately 46 pages of documentations, specifically addressing their two ( 2 ) reasons for denying my claim. I even spoke to the VP of Claims and while she agreed that I had met my burden of proof, because XXXX could not retrieve the funds from XXXX, there was nothing they could do.
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (RI)

I went online to aidvantage website to pay my bill. Clicked pay now, it filled the total due including next month. Backed to main page. Clicked pay other amount and paid the past due. I was then charged and it showed properly on the dashboard. After I signed out. I was charged again, for twice the amount. I called aidvantage where they admitted they are aware of the issue and offered me no recourse for the damage caused by their system other than a refund, once they receive the money. I have had to put a dispute in with my bank and now have no access and I'm overdrawn. This is not my fault yet I face all the pain while they collect on a government contract.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NV)

On XX/XX/23 I called XXXX and the representative XXXX instructed me on how to access my credit report online. 
After accessing my credit report I saw some inaccurate information. I saw that an unbeknownst company name Mohela on my credit report. On top of that I noticed that this company was reporting that I owe {$60000.00} ; upon further review I noticed that the amount payment monthly is reporting XXXX dollars. How can I owe a company {$60000.00} in balance, but nothing monthly? Thats an oxymoron. After making the representative aware of the inaccuracy, he proceeded to tell me that the item needed to be disputed. However, under federal law, if a company is reporting an accurate information XXXX can be monetarily liable for this violation to consumer rights. Also, upon viewing my credit report, I noticed that XXXX is reporting late payments. Under federal law, a credit account can not be associated as being late. I asked the representative if he is familiar with consumer law and the fines for violating those laws, and he continued to tell me that the account is under dispute already, and can not be further disputed. I will be looking for monetary compensation for the time that my credit profile has been compromised. I have already report to ftc.gov as fraudulent use of my credit report. These credit accounts and the Credit reporting agencies have violated consumer rights in a way that damaged my reputation and credit score for over a number of two years. Loss of Privacy : Violations of consumer privacy, such as the unauthorized data collection, breaches of use of personal information for purposes of deceptive practices. Time and Effort : The time and effort required to resolve issues related to consumer rights violations was a significant inconvenience and injury to the consumer. Opportunity Costs : I the consumer missed out on better deals and opportunities due to unfair practices
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus with the CFPB. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I received a billing statement on XX/XX/XXXX that stated {$49.00} was due on XX/XX/XXXX ( Loan XXXX ). Loans XXXX and XXXX were not on the statement. I received an auto debit notification on XX/XX/XXXX that stated {$200.00} will be withdrawn on XX/XX/XXXX. A MOHELA representative later clarified that billing statements are only sent for loans that are not on auto debit ; however, it was incredibly confusing when my auto debit notification for Loans XXXX and XXXX stated the required payment and due date are to be determined. 

I scheduled a manual payment of {$49.00} to be withdrawn on XX/XX/XXXX while XXXX XXXX was in the process of being added to auto debit. The payment was for the remaining XX/XX/XXXX balance that was not paid via auto debit ( {$200.00} ). A total of {$240.00} was paid XX/XX/XXXX, which is the exact cost of my monthly payments for all three loans. 

I logged in to my account on XX/XX/XXXX to review upcoming payments and discovered XXXX XXXX was delinquent with an outstanding payment of {$39.00}. The scheduled payment was distributed across XXXX loans, but the payment site did not indicate this would happen. I was not notified that my loan was XXXX ( XXXX ) days delinquent due to a " missed payment. '' Furthermore, why would MOHELA allow a payment to be split if it would put a loan into delinquency? MOHELA states instructions for " special payments '' will not be followed if it causes a loan to be delinquent. The " special payment '' instructions also state MOHELA will attempt to contact borrowers if there is a missed payment or delinquent loan. I understand scheduled payments are not " special payments, '' but it does not make sense to not follow the same process. 

I spoke with a MOHELA representative on XX/XX/XXXX and was informed the payment could be consolidated and retroactively applied only to XXXX XXXX. I was advised this would remove delinquent remarks from my account and that I would receive confirmation of this update. My account does not reflect these updates, nor have I received confirmation of the application sent to consolidate the payment. 

The customer service representatives I spoke to were helpful, but the overall service from MOHELA is abysmal. Billing information is not clear and seems to be incomplete ; however, MOHELA 's failure to contact me regarding my delinquency or missed payments is most concerning. I received confirmation that my scheduled payment and auto debit payments posted, but nothing regarding the status of my loan. Delinquency can be devastating for borrowers, even if it is due to a mistake on the loaner 's end.
Consumer complaint received 2023-12-11
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Utilizing a proactive approach, I am presenting my issue with my loan servicer MOHELA before I am falsely placed in a late payment or default situation. 

With the resumption of student loan payments in XX/XX/XXXX, I was initially with XXXX before being transferred to MOHELA towards the end of XXXX. 

Due to a late transfer, my first XXXX payment was due XX/XX/XXXX. At the end of XXXX, I paid in full my student loan payment of {$350.00}. 

After payment, and after the XX/XX/XXXX payment due was posted. I began making intermittent payments towards my XX/XX/XXXX payment. On XX/XX/XXXX, my balance due was {$160.00} for XX/XX/XXXX. On XX/XX/XXXX, I submitted payment of {$160.00} to pay my XX/XX/XXXX balance in full. 

After completing this payment in advance, a new balance of {$130.00} appeared on my account, due XX/XX/XXXX. Confused, I submitted a payment on XX/XX/XXXX for the balance of {$130.00}. After this payment posted to my account, my balance remained {$130.00} and indicated it was due XX/XX/XXXX. 

On XX/XX/XXXX, I called and sent a message to MOHELA. I spoke with a customer service representative. Initially, the customer representative told me the balance was because I was behind in payments. This quickly changed when I informed her that I did not start repayment until XX/XX/XXXX due to transfer from XXXX. As a result, she acknowledged the error on MOHELAs end and indicated this would be rectified on my account. 

It is XX/XX/XXXX, I still have a balance of {$130.00} due on XX/XX/XXXX. I sent a message to MOHELA again with no response. 

The issue, I have paid above and beyond my required payment for XX/XX/XXXX, and it does not appear that MOHELA is going to fix this issue as verbalized to me on XX/XX/XXXX. 

I am being proactive, as I do not want to be falsely accused of making late payments or defaulting on a student loan. I do not intend to make an additional {$130.00} payment for XX/XX/XXXX, as I did this on XX/XX/XXXX. 

I am hoping that you can be of assist, as I will continue up the chain until this is rectified. I submitted a complaint to Federal Student Aid ( gov ), however I am still waiting for their XXXX day response time from an XXXX complaint. As a result, I dont expect a response from them.