davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NJ)

I have tried several times to get in touch with Mohela. I have spoken to XXXX different representatives because I can not afford my monthly payments. So I extended the loan to the most years you can every time I call them they say my loan is still being processed. Ive been trying since XXXX to resolve this issue. I can not afford {$760.00} a month, XXXX person told me that my payment will go down to XXXX. The other one told me something else but nothing gets done. Ive been trying to call them now for the past month and I have not been able to get in touch with anyone because the whole times are over an hour or XXXX. Sometimes when you call the person picks up the phone and hangs up the phone.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have had the USAA Visa Credit Card for more than 20 years. I have been a USAA member since XXXX. I have had a fixed APR of 9.90 % for many, many years with statements to prove this. I noticed that my monthly minimum payment jumped very high and I looked into it. The last statement I have with a 9.90 % APR was XX/XX/XXXX. I am now paying 14.15 %. I have always had fixed credit rates and could not find any notices from USAA that they were converting my credit card to a variable rate. We used this card to pay for some remodeling after our XXXX XXXX stole money from us and we had to pay for items a different way. I called USAA on XX/XX/XXXX @ XXXX and spoke with XXXX -- employee ID # XXXX -- who tried to find any notices of APR change. XXXX looked back past XXXX and could not find any notices of APR change. I asked him if USAA would fix this APR since I have never received a legal notice of change, and he stated that unfortunately they would not. I believe that this was unfair, and illegal business practices since I was never given a notice and it was confirmed by USAA employee when even he could not find that a notice was ever given. This will greatly hurt our chances of paying back the large debt due to over 4.25 % increase -- and increasing further. Thank you for any help that you can provide us. Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Inquires that I did not authorize. 

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 The Customer Service at Transunion would not correct my file by deleting the unauthorized inquiries listed above reporting to my credit report. 

Thank you.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key. 

XXXX XXXX XXXX my landlord I watched steal the key and called XXXX. I had XXXX my car insurance tow the car back on the lot on camera and Toyota motor corporation refused to remove off my credit report. 

The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc (GA)

I found that UpLift was reporting on my credit report. This was not me I sent them a police report and FTC affadavit 4 times already with no response, I also sent it to the credit bureaus and still have not received a response.
Consumer complaint received 2023-11-30
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. (TX)

BECAUSE OF THE CLASS ACTION LAWSUIT AGAINST [ XXXX XXXX XXXX ]. 
XXXX. DEFICIENCY WAIVERS : XXXX IS REQUIRED TO FORGIVE THE REMAINING BALANCE ON CERTAIN CAR LOANS FROM XXXX TO XXXX. ALSO XXXX WERE TO REQUEST THAT THE LOANS BE REMOVED FROM CONSUMER ' CREDIT REPORTS. XXXX VIOLATED CONSUMER PROTECTION LAWS BY EXPOSING SUBPRIME CONSUMERS TO UNNECESSARILY HIGH LEVELS OF RISK. ( PREDATORY LENDING PRACTICES ). THIS REPO SHOULD NOT BE REPORTING TO MY CONSUMER REPORT ACCORDING TO THE XXXX.
Consumer complaint received 2018-11-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (IA)

XXXX XXXX XXXX XXXX sold my loan to The Money Source XXXX with XXXX  acting as nominee for XXXX XXXX XXXX. The assignment of my mortgage validating the sale of my loan and ownership was signed by XXXX XXXX assistant secretary of XXXX and notarized by XXXX XXXX. The assignment of my mortgage states XXXX XXXX appeared before XXXX XXXX, known to be the assistant secretary of XXXX  which is a fraudulent statement. XXXX XXXX is the Vice President - Legal and Compliance at The Money Source XXXXXXXX and XXXX XXXX  is the receptionist for The Money Source XXXX  The transfer of my mortgage was done fraudulently and The Money Source XXXX has no legal ground to foreclose or take my home when the assignment used to acquire my property was not done according to federal regulations. The Money Source should be sued and fined for the mishandling of my mortgage and I'm sure many others.
Consumer complaint received 2023-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (GA)

I will like this account removed from my credit because I didn't give any written consent to a company or a credit bureaus, which refers to code ( 15 USC 1681B 35 ) this is a form of identity theft and I want this removed ASAP please and thank you.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo advertised a savings bonus offer in early XX/XX/2023. 
the offer was XXXX which was set to expire as an offer on XX/XX/2023 The terms were as follows : 1. Sign up your existing XXXX XXXX XXXX  saving account for this offer by going to a branch and having a banker apply your bonus offer code to the account. 
I signed up at a XXXX VA branch on XX/XX/2023 with XXXX. 
2. Deposit {$25000.00} or more in new money to your way to save savings account by day 30 from the account sign up and maintain at least {$25000.00} balance through day 90 after account sign up. 
I made a deposit of {$25000.00} at the same XXXX branch on XX/XX/2023 directly into " way to save '' account, XXXX was present and aware of the deposit. 

Bonus payment : We ( Wells Fargo ) will deposit your bonus into your " way to save '' account within 30 days after youve met all other requirements. 

First, in addressing calculation of " 30 days after youve met all other requirements '', it could be argued the " 90 day '' clock for the offer began with XX/XX/XXXX " sign-up '', but even if we start with the XX/XX/XXXX deposit, day 90 is reached on XX/XX/2023. 30 days from XX/XX/XXXX is XX/XX/2023. 

It is now XX/XX/2023 and I never received the promised {$520.00} into my " way-to-save '' account. Wells Fargo is clearly in breach of this agreement. 

At a most generous reading of the agreement, which Wells Fargo has clearly breached, My tying up {$25000.00} for 120 days to receive {$520.00} is equal to an annual % rate of XXXX or {$4.00} per day. {$520.00} divided by the 120 days as a percentage of the {$25000.00}. 

On or about XX/XX/XXXX I went into the branch where I had signed up and spoke to XXXX. She confirmed that I had done all thing required and said she would put in a " request '' for further explanation. 

I have heard nothing further. 

It has now been 21 days from XX/XX/2023 at {$4.00} per day, that's another {$91.00} at least that I am owed I believe the offer uses language that suggests the clock for all calculation begins with sign up. With the XX/XX/XXXX date at sign up, the 90 days, plus 30 to pay ends on XX/XX/2023 that means 39 days have passed since the Wells Fargo breach 39 days at at {$4.00} per day = {$170.00} I am open to hear analysis on this matter XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Here 's a quick summary of what I can remember. 
My bank account paid XXXX twice on XXXX XXXX. I requested a refund of XXXX payment asap. They said it would take almost the entire month to do this so I said that is no good, just leave it alone. I then had my own bank do a reversal and it occurred later in XXXX. I called back in to XXXX to tell them my bank already did an XXXX reversal and so we should be ok now. The Axos ' representative proceeds to tell me my account is current and nothing to worry about. They don't see anything late or missing. I asked if they had sent out a check and if so to please cancel it. I have not received a check from them. If I did, I would have sent them an extra payment to make it up. 

In the mean time, I have made my XXXX and XXXX payments. I get an alert saying my credit scores have dropped. I check and it is drastic. I go from low XXXX 's to low XXXX 's on XXXX of my reports. I tried talking to the supervisor on the phone several times with no luck. 
They have made up their minds on what they think happened and they are sticking with it while mines and my wife 's credit scores suffer. I don't think this is fair. We didn't get to a high credit profile with multiple loans by having bad financial practices and that's how we feel they are treating us.
Consumer complaint received 2023-11-17
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MO)

first, I did not apply for a Sams Club credit card. I was shopping at Sams Club, when I was at the register the cashier says to me that I was approved for a XXXX credit limit. I accepted. I spent about XXXX dollars. After that I had not spent any more just made the payments on it every month.I received the credit limit XX/XX/2023 and they took it down to XXXX dollars in XX/XX/2023. The reason I was told that not because I didnt pay them, but because I dont have enough credit limit on my cedit and I have imperfections on my Credit score. 
And also I paid on time, but since the payment does not post for a couple of days that made me late. I did not find this out until I spoke with someone at Sam Club.
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (GA)

The living breathing woman does not have a wet ink contract with XXXX, EQUIFAX, or XXXX to publish all of that information that is not mine but another fictitious entity and against the law 18USC1342. The manual of styles says that CORPORATIONS have all capital letters in their names. Living breathing people do not spell their names in all capital letters.These CORPORATIONS have been destroying people for generation after generation with abuse, lies, and deceit often told from Bankers from other Countries who come over here and try to tell people what to do and how to do it.Lend us our money with a large price tag on it they do not have money because the only money that is available is script from yet another CORPORATION, called the FEDERAL RESERVE This is information is not for the living breathing woman it is for a CORPORATION that was created at birth.This credit reporting agency is well aware of this scheme and are working with Banks, Lawyers to deceive the people they even call people Descedent which is a DEAD person, we are classified as DEAD persons. This government is Bankrupt so how in the world can they lend money to people when they are bankrupt. Our Signature and we the people are the XXXX XXXX and are worth Billions of dollars. XXXX XXXX and XXXX XXXX has talked about what is going on right now. All of these credit reports are fraudulent and every XXXX of the CREDIT REPORTING AGENCIEs know it. Lets tell the truth and keep every last XXXX of the people up on living in the truth. These CORPORATIONS HAVE BEEN LISTING ME as a CORPORATION which is false information and it is a violation 15USC 1692a-p among other deceptive practices that the BANKERS, ATTORNEYS use taxing the American people for no reason at all. 
We the people will prevail, as soon as the XXXX XXXX  wears off. The CREDIT REPORTING AGENCIES have communicated all of this negative information to a third party and have gotten away with this for years and years this should not be the case a fine should be imposed against them.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NH)

I made a large payment on XX/XX/2023 that was supposed to be distributed over 11 loans that I have with Mohela. They did not distribute the loans correctly, and made significant errors. I have now called them 3 times to fix the error and they keep making more mistakes. Each time I call I have to wait on hold for over 3-hours. I have tried multiple times to fix this problem and they keep making the same mistakes, please help.
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MO)

A credit card was opened up fraudulently in my name through Ashley Furniture. Their partner bank that services the cards is Synchrony Bank. On XX/XX/2023 I became aware of the identity theft as XXXX XXXX XXXX had sent me a letter trying to collect a debt owed to Synchrony Bank. From there I took all the required steps to report Identity Theft but to this day I can not get ahold of Ashley Furniture to close it through them. Synchrony Bank Solutions reviewed my claim and found the Ashley Furniture account was not opened by me. As a result they were suppposed to shut down the account and clear myself of all responsibility on XX/XX/. On XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX attempting to collect the same debt from Ashley Furniture for their client XXXX XXXX XXXX, XXXX. I explained to them that this was already declared fraudulent activity and I was cleared of all responsibility but they informed me that their client purchased this debt and hired them to collect it. They would not allow me to report it as Fraud and instead gave me a payment option. On XXXX I received a letter in the mail from XXXX XXXX informing me that they are also a partner bank to Ashley Furniture and that I need to file a declaration of fraudulent activity with them as well. XXXX XXXX  allowed me to submit the required documentation to start my fraudulent claim.
Consumer complaint received 2018-11-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (TX)

CMRE Financial continually leaves me voicemails from numerous phone numbers. The voicemail says " This is CMRE Financial contacting XXXX XXXX, if you are not XXXX XXXX .... ''. When I call them back to tell them " this number is not XXXX XXXX 's phone number, never has been and our divorce was final 2 years ago '', they respond with " we're not calling for XXXX XXXX, we're calling for you, XXXX XXXX ''. 

CMRE Phone Numbers I have had to block in my phone : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

It is my understanding that we are supposed to receive at least 2 weeks notice before a student loan bill. Mohela sent me a welcome email on XX/XX/XXXX with a link to my account. I clicked the link to view my account and it said that my bill was due that same day ( XX/XX/XXXX ). I reached out to inquire about receiving a bill without notice and never received a response. Instead, 5 days later ( XX/XX/XXXX ), I revived an updated statement adding on the next month bill - doubling the amount that I owe ( XXXX + XXXX ) and considering the XX/XX/XXXX statement past due/delinquent. 

My account should not be delinquent considering I received no notice for the bill.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I tried to open a Chase account with Chase they keep closing it I don't know why they won't give me any information they won't tell me what happened nothing they just say close it just says close the account I want to know the reason why I'm not allowed to chase when I never did anything to Chase they won't send me any paperwork nothing so I would like to know the reason why and if there's a way to fix it
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XX/XX/XXXX
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried disputing this account for over a year to get it removed from my credit reports. This is for XXXX in the amount of {$9600.00}. I was fraudulently added to this account as a co-signer I have been trying since XX/XX/2022 to get this removed.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Greetings, my name is XXXX XXXX XXXX XXXX XXXX, and I am consumer of the age of XXXX. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Credit Reporting Agencies ( CRA ) TransUnion, XXXX, and XXXX under 15 USC 1691 ( a ) ( 3 ), assumed this role without permission not only that, they did not have my consent. CRAs did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). CRAs did not exercise their grave responsibility, they were unfair, they were partial. Im doing this due to the fact that because of the actions of these CRAs, I am unable to buy cars, houses, or anything in general that a consumer needs to survive in the United States. CRAs never had a permissible purpose under 15 USC 1681 b ( 2 ). I never instructed CRAs to furnish this report and I never consented to this report in the first place. What I am demanding right now is that CRAs deletes all accounts that are reporting and all hard and soft inquiries, that are hindering and discriminating me, whenever I try to purchase or receive credit for consumer purposes only. If any further information to be required to further support my claim, you can reach out to me by phone ( XXXX ) XXXX or by email ( XXXX ). 
Thank you for your time. 

Sincerely, XXXX