davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A. (NJ)

XX/XX/XXXX : I wrote final check on checking account bringing balances in both savings and checking accounts to XXXX  ( # XXXX XXXX & XXXX ). I personally visited my home branch and told the platform officer to closed my accounts PLUS my credit card as I no longer am doing business with PNC. I listed the XXXX accounts and handed them to the officer. I tore up my debit and credit cards. There was no further activity on my end as to any checks drawn, cash withdrawn, auto-pay, bill pay etc etc etc, nothing. 
In XX/XX/XXXX I received a letter from PNC that an overdraft had occurred and the credit card was being used for a cash advance to cover such. Firstly, my accounts were never closed by PNC leading to this situation. Secondly, I NEVER authorized my credit card to be used ( or linked ) to either my savings or checking accounts. 
I called the XXXX # and inquired as to why the accounts were still open and what the overdraft was about. I was advised they had no record of the account closure being made. I restated my desire to close the accounts and several days latter received a letter of such. 
Several more days and I received another credit statement with an open balance and due date to pay. I then called the credit card XXXX # to question the statement and received no explanation ; only that the charges were " valid ''. 
I good faith I went to the branch again to attempt resolution. The officer printed activity reports showing XXXX balances in XXXX and the overdraft activity in XXXX. It was decided to send PNC corporate an " official inquiry ''. 
Several days later I received a call from PNC corporate ( XXXX ; XXXX ) who then looked into the matter. 
Several days passed and she called saying " the branch could not confirm any promises made to close the accounts ''. Clearly double-speak that the branch had failed to follow my instructions. Further, XXXX refused to close the accounts at that point when she was obligated to. Frustrated, I then questioned why my credit card was used for overdraft without authorization or permission and she said she would have to investigate further, but that the account was now delinquent. I strongly objected saying it was NOT delinquent because it should have been closed and more so was done without authorization. 
XXXX said the investigation would take another 30-45 days. She also refused to freeze the account till then. 
Please intercede!
Consumer complaint received 2024-03-18
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: ENCORE CAPITAL GROUP INC. (IN)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MI)

On XX/XX/XXXX, I called Moehla because I need a document from them that my mortage lender is requesting. I stayed on hold for an hour before they told me I needed to be transferred to a different department. I stayed on old for another hour and a half and no one came to the phone. 

I called back today, Monday, XX/XX/XXXX and was on hold for XXXX minutes. Someone answered and said I needed to be transferred to an advanced agent. I spent an hour on hold only for someone to pick up the phone and hang up. This document is important for me to move forward and I can not get hold of someone. Furthermore, their option to receiv a call back does not work. I went through the prompts and was still added to the regular call mode. 

I called back again from my phone and they dropped the call. This is insanity.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than Seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

My XXXX XXXX for the XXXX plan with Mohela has been processing since XX/XX/XXXX. 

Since XX/XX/XXXX I have called Mohela numerous times to try and get answers and get my application approved. 
A lot of these phone calls also required long wait times, only to get the same answer each time, and my application still is processing : - XX/XX/XXXX ( XXXX minute phone call ) - XX/XX/XXXX ( XXXX hours and XXXX minute phone call ) - XX/XX/XXXX ( XXXX minute phone call ) - XX/XX/XXXX ( XXXX minute phone call ) - XX/XX/XXXX ( XXXX minute phone call ) - XX/XX/XXXX ( XXXX minute phone call ) - XX/XX/XXXX ( XXXX hour and XXXX minute phone call ) - XX/XX/XXXX ( XXXX minute phone call ) Each phone call, I was told by the representatives that they were still working on my application. I would ask them why it's been taking so long and if there's any further documentation I can submit. They would tell me there was no further documentation required from me, or they would transfer me to a higher-up representative who would tell me the same thing and that I would just have to wait. Each representative would extend my administrative forbearance so Mohela had more time to process my application and that would be it. My administrative forbearance is now set to end XX/XX/XXXX and it's been very frustrating. 

I understand Mohela has been undergoing a lot of changes, which has impacted call times negatively. But I believe I have been patiently waiting for a long time, and my application should have been accepted by now. I don't have time to keep calling Mohela, and being put on hold, just to be told the same thing.
Consumer complaint received 2023-02-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rocket Mortgage, LLC (NJ)

Began a Covid forbearance in XX/XX/XXXX and entered into a modification agreement in XX/XX/XXXX. The mortgage was in good standing in XX/XX/XXXX and the XX/XX/XXXX modification agreement provided for an auto debit each month with Rocket setting the amount and timing of the debt to be deducted from my checking account to ensure full compliance with all terms of the modification. To ensure this compliance called the servicer each month and verified the auto debit which was subsequently deducted from my account. On XX/XX/XXXX spoke with XXXX of Rocket who scheduled the auto debit for both XXXX and XX/XX/XXXX. On XX/XX/XXXX notified that Rocket was cancelling these auto debits, charging thousands in alleged default related fees, initiating foreclosure proceedings and threatening to damage my credit rating. On XX/XX/XXXX we filed a QWR ( enclosed ) by certified mail, return receipt enclosing two backup checks in the same amount as agreed on XX/XX/XXXX. We have not received a response to this QWR or a subsequent XX/XX/XXXX QWR and we enclose both for review. We are asking the CFPB to help us obtain a response from this servicer with all fees charged and the transcripts to the XX/XX/XXXX and XXXX auto debit.
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: James E. Albertelli, P.A., a Florida professional association (GA)

XXXX XXXX is now falsely acting as Attorney-In-Fact for XXXX XXXX and has changed and or added documents to my original files at the county recorder in XXXX County Georgia. I have never hired XXXX XXXX for anything. I have never met anyone from XXXX XXXX. XXXX XXXX is trying to commit fraud on my behalf, and attempt to transfer my property to another party without my consent. The new party that XXXX XXXX says that they represent is now XXXX   XXXX XXXX, XXXX. These entities are asking me to transfer my property to XXXX XXXX XXXX, XXXX. I DO NOT HAVE ANY CONTRACT AGREEMENTS WITH XXXX XXXX XXXX, XXXX, ALSO I DO NOT HAVE ANY CONTRACTUAL AGREEMENTS WITH XXXX XXXX. I'm being harassed by XXXX XXXX now on the behalf of XXXX XXXX XXXX XXXX XXXX. By staying in honor, I've ask both entities to show proof where they've given XXXX XXXX , Estate or XXXX XXXX any value. They failed to respond to my Affidavits. Therefore, I assume they are attempting to fraudulently receive value from me and or my estate. I've sent cease and desist affidavits to both entities, who both failed to respond. Now XXXX XXXX is saying I lose by default and my property is in foreclosure, and I and requested to transfer my property to HUD, or XXXX XXXX XXXX, XXXX. Again, I have never taken a loan from XXXX XXXX XXXX , XXXX or XXXX XXXX. They have no right to contact me to defraud me. They have never given me value and they will never receive value from me. I'm requiring your office to demand these entities to cease and desist with their attempts to contact me, XXXX XXXX or my estate, XXXX XXXX, Estate about any debt. If they can show where I signed a contract with them, then I'm willing to settle any and all debts owed to them. They never respond when I ask, because it is false.
Consumer complaint received 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (WA)

Hi Sir / XXXX, XXXX XXXX - Mohela Account Number - XXXX Above loan before handled by XXXX XXXX. But after pandemic this loan transfer to MOHELA. This loan is fixed interest. 
Before transfer to MOHELA, i had fixed interest rate and monthly premium was XXXX XXXXXXXX premium I been paid since XXXX to till freeze premium. But after fed loan serving transferred my loan to MOHELA. 
MOHELA first month increased my monthly premium up to {$160.00}. Then after second month increased {$200.00}. 
I wasn't changed term of the loan or any condition. But MOHELA unlawfully charging {$66.00}. 
Note -Here sending with XXXX my checking statement, you can see XXXX XXXX how much take from my checking account, and currently how much charging on me.
Consumer complaint received 2024-03-18
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: ENCORE CAPITAL GROUP INC. (WI)

My personal information was sold without my authorization, resulting I in the improper reporting of debts by XXXX XXXX XXXX and Midland Credit Management. Despite my repeated attempts to obtain proper validation of the debts in question from XXXX XXXX XXXX, I have informed them multiple times of their violations of the law, including their failure to provide essential documentation such as proof of my agreement to the debts, evidence of their ownership of the debts when originally in collections, and proper licensing to collect debt in my state, as required under 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (GA)

I opened my new Wells Fargo XXXX XXXX branded credit card on XX/XX/23 in response to an offer by Wells Fargo to provide XXXX XXXX XXXX rewards points after making net {$1000.00} in purchases within the first 90 days of being a new cardholder. I met this requirement on XX/XX/23 ; after making {$1000.00} in net purchases ( {$1100.00} - {$99.00} credits ). The terms state that Wells Fargo will provide the XXXX bonus points within 1-2 billing cycles after completion of this requirement. The second billing period elapsed on XX/XX/23. No XXXX bonus points were generated by Wells Fargo as stated in the terms of the offer. I contacted Wells Fargo for four hours on XX/XX/23 trying to resolve the noncompliance. Wells Fargo was very unprofessional each time and kept blaming XXXX XXXX for Wells Fargo 's noncompliant failure to perform and repeatedly transferred me automatically to XXXX XXXX without trying to resolve Wells Fargo 's negligent failure to perform. XXXX XXXX supervisors rightfully stated that Wells Fargo was the party responsible for providing the bonus points offered, and that Wells Fargo was the responsible party who had not sent the bonus points over to XXXX XXXX to be put into my reward account. After my seventh call on XX/XX/23 to Wells Fargo to try to resolve the issue, Wells Fargo very reluctantly agreed to " escalate '' the issue. A week later, the issue has still not been resolved, and the promised XXXX XXXXXXXX XXXX bonus rewards points have not been credited to my XXXX XXXX Rewards account.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AL)

I am contacting you today to inform you of an issue and possible fraud case involving XXXX Credit Karma. On XX/XX/XXXX of this year my wife and I filed our taxes through XXXX online. On the XXXX website was an offer to sign up for a Spend Account with Credit Karma and have your taxes direct deposited into the Spend Account and you get a percentage of your taxes right away. We opened an account with Credit Karma and received a small amount of our tax refund. On XX/XX/XXXX our State Taxes were direct deposited into the Spend Account. On the morning of XX/XX/XXXX we received an email from Credit Karma stating they had put a freeze on our Spend Account and we were unable to make any transactions or withdrawals. We called Credit Karma and no one there would tell us why they froze the account and they refused to release our funds. We asked to speak with the supervisor on duty and once he got on the phone he said the same thing. He was extremely rude and hung up on me. We tried calling back several times to get the issue resolved and every time we spoke with someone it was the same generic speech We can not see your account but it is under review. The last person we talked to said all accounts that were froze or have been closed are handled by The XXXX XXXX and they only communicate through email. She said she couldnt transfer us because they don't speak to anyone over the phone and we should receive an email from them shortly. This is the most ridiculous thing I have ever heard of. They have basically stolen over {$1000.00} of our money and refuse to give it back. We are not the only ones they are doing this to. I did some research and there are thousands of people being victimized by Credit Karma. There are posts on XXXX, XXXX XXXX XXXX  complaints on XXXX XXXX etc. Something needs to be done about this. Not only am I reaching out to you but I am also contacting the XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX The XXXX multiple news outlets, XXXX XXXX  ( theyre the financial institution partnered with Credit Karma and co-conspirator of fraud ), XXXX  for advertising a company that steals money from individuals, and a Consumer Rights Attorney. If I have to start a class action suit against Credit Karma and Associates I will do it. Any help you can provide will be greatly appreciated.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I received my credit report on XX/XX/XXXX and Notice there we're hard inquiries are Hurting me from getting approved for loans and cars. 
I've already reached out to the following credit bureaus and they keep violating my rights under 15 USC 1681B. I also attached the XXXX Inquiries that does not have any purpose on my credit.
Consumer complaint received 2024-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

On or around XX/XX/2024, my credit reports were pulled for a mortgage application. At such time, an account in collections with CCS collections was found to be on my account with a collection amount of {$60.00} from XXXX XXXX. As of that time I had received no notification from CCS about this account. When I called them about this account, I was told that they had mailed several notices none of which I have ever received. I have discussed the problem with XXXX and paid them directly. The customer service agent I spoke with said that they would not be reporting and that they would request CCS to remove their reporting, however, as of this date I have still not received the right to dispute the validity of this account as I have never received any paperwork from this creditor in direct violation of my rights granted under FCRA.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (UT)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit 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
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (AL)

I received a email from credit karma XXXX  morning stating my account was locked and to look for a email. Its been over XXXX hours I am stranded out of town because XXXX cant access my account to get gas. I have spoken with several representatives and they say look for a email in a hours or XXXX and its now been over XXXX hours.