davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NY)

My loans were approved for {$300.00} on the XXXX repayment plan upon consolidation in XXXX of 2023. With repayment approaching, I got a notice from MOHELA in XXXX that my payment amount was going to be {$500.00}. I called MOHELA who verbally took an application to fix it, and quoted me {$300.00}. On XX/XX/2023 I noticed on my MOHELA account that the form was listed as " denied '' I tried calling them but the wait time was over three hours. I called again on XX/XX/XXXX and they submitted a request to look into it, and told me they were placing a forbearance to cover the {$500.00} for this month since it was their error. I then got a letter stating it was denied for not meeting income requirements though I've confirmed on several levels that I do. I called again on XX/XX/XXXX but once again, after waiting two hours I could no longer wait. I called again today and spoke with someone who told me my request was pending but could not provide any information confirming why it was denied in the first place, other than reading the denial reason that was sent to me as " you do not meet the income requirements '' even though I do. She could not provide me any confidence that it would actually be approved or fixed this time. My forbearance still wasn't applied either so it is still showing due for {$500.00} which I can not afford. I will be missing this months payment due to their error. I asked to speak with a supervisor but after waiting an additional two hours, for a total of 3, I once again had to go.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

I have been using MOHELA for several months prior to the current repayment pause ending. I have been on the PAYE and recertify my income annually. This year I submitted an IDR recertification on XX/XX/2023 and noticed that my payments went to {$0.00}. I called to inquire regarding this and was told that " due to an error on MOHELA 's processing, my XXXX was input as {$0.00} ''. This is completely incorrect and I am worried that this may look like fraud. I have made several attempts to resubmit my application as listed with the appropriate response on MOHELA website : XX/XX/2023 - denied. When I called to inquire, they told me that this was because my IDR would result in higher payments, essentially going from $ XXXX to the actual amount. I was told to resubmit and wait XXXX days. At this time I also asked for my forbearance to be lifted which I was told would take XXXX days. I have since called multiple times and as reflected on my MOHELA account have had service representatives resubmit my XXXX on : XX/XX/2023, XX/XX/2023, XX/XX/2023, all of which have had no response or any information regarding the status. I am also still on administrative forbearance despite being told that this is being lifted.
Consumer complaint received 2021-01-21
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. (NY)

I reviewed my credit reports and saw that the payment history was different on all 3 reports for my credit card which is a violation to the FCRA. I Immediately informed the bureaus but they did nothing to resolve the issue.
Consumer complaint received 2023-11-13
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. (FL)

The following inquiries on my reports are unauthorized and not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

I went through a long arduous divorce. I applied for a re-modification with the bank. Part of the divorce agreement with my ex-wife was she would sign off the deed to the house, for an exchange of {$34000.00} transferred via QDROS from my 401K to her 401K account. The QDROS process began in XXXX XXXX XXXX XXXX XXXX I was told that the QDROS process may take up to 3 months but no longer than 5 months. I communicated this information with the bank. I was approved for the modification, but the paperwork arrived with my ex-wife name on the paperwork. I contacted the bank and explained the entire situation. They sent out new paperwork without her name on it. I reached back out to them explaining that I needed to wait for the QDROS to take place so she would sign off the deed to the house. I was under the assumption that the bank was working in good faith with me. They knew I accepted the terms of the re-modification. Within 30 days of the last communication with the bank, I received info in the mail with an auction date of XXXX I have been working diligently with the company & administration handling my the QDROS to try and get a date for the QDROS transfer. I'm finally getting information stating that the paperwork was submitted for preapproval and then will be sent to the court within a week or so for court approval. As of XXXX today ( XXXX ), people were outside of my home in an auction bidding for my home. The home went back to the bank today. I am working in good faith with the bank to resolve this matter and to retain my property.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

I had a credit limit of {$2000.00}, my limit is now {$800.00}. They decreased my limit based on my other credit cards. I pay the minimum balance on all and pay AMEX at least twice a month. I'm never late they are saying that because of my credit history with other lenders, they made the determination to decrease my credit line. Under the Equal Credit Opportunity Act and the Consumer Credit Protection Act, lowering my credit limit and refusing to increase it is discriminatory, as it denies me my right to credit. Moreover, withholding access to my securities constitutes security fraud.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (LA)

Reporting a credit card account not confirmed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting balance effecting credit scorez ; however, the loans are in deferment status and should report a XXXX balance negative impacting the student credit score. I am currenlty a student and all student loans are deferred for 12 months or more. My mortgage application date will conflict with my current credit score harmimg my goal to buy a home fairly. The deferment isn't due to financial hardship, lenders may not include the payment in the DTI calculation. 

DEPT OF ED/XXXX XXXX XXXXXXXX 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: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc. (NV)

Account Date of service XX/XX/XXXX reflecting on XXXX consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to XXXX to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact XXXX to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from XXXX stating that there was no credit history report found and to provide further information to sn address that is not listed onu consumer report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance. There is also an account that has been PIF and is reporting to my CBR 5 TIMES which I have the EOB from insurance company that this ambulance and hospital bill is in fact PIF
Consumer complaint received 2024-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

In XX/XX/year>, I received {$900.00}. I attempted to w/d it and found out that my account was frozen due to a civil lien that was erroneously filed. My attorney was able to get this fixed, and the attorney that filed the lien sent a release to Cash App/Square at the end of XX/XX/year>. I emailed the company on XXXX, and they acknowledged that they had received the release. I then questioned them as to when they were going to release my money. They told me when they get around to it! This is not acceptable ; this should have been done immediately. I have emailed the company numerous times, and they do not reply to my emails. I have called them, and they have people that answer the phone that do not speak proper English, and I could not understand them, and some of them hung up on me. I have contacted the company through their app only to encounter AI not a real person.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute into Experian reporting unreported/unverified information on my public record on XX/XX/XXXX  meaning that Experian 's deadline to respond was XX/XX/XXXX  but Experian did not respond until XX/XX/. This is a violation and as a result these items must be removed per FCRA.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

My dad died almost 8 years ago. My mom died 2 years ago. For 2 years I fought with Carrington Mortgage to get the loan in my name. I finally did that. I have requested a forbearance since XXXX due to the fact that I had to put so much money into a lawyer and everything else to take it over. I also have some work that needs to be done in the home so that myself and my children can continue to live here. Carrington mortgage is telling me that I can not have one since they have already did one. That was before I was added in XXXX. They are giving me nothing but a run around. The under writers are saying they cant read my paystubs that I faxed in, but the other workers are telling me they can and there is nothing wrong with them. Every time I call and every person I talk to gives me a different store and it is never the same. Also when I took the home over I was told I would not owe any fees on the home I would just start with paying a monthly payment. Well now they are telling me I have a bunch of fees that are due and will be added into my loan amount. This company is awful and no help to anyone who uses them.
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

I participated in the chase auto payment deferral program due to covid 19 hardship. On deferral months payments would be added to the end of the loan with no effect on your credit rating. However, I was marked with a 30-day late in XX/XX/2020 and again on XX/XX/2020. My auto payment was deferred in both instances ( XXXX & XX/XX/2020 ). I have uploaded a copy of my credit report showing both 30-day lates. As well as statements for both months showing my payments were in fact deferred.
Consumer complaint received 2023-08-27
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. (PA)

There are hard inquiries from several companies I do not recognize. 
Such as, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Linebarger Goggan Blair & Sampson LLP (FL)

Threatening corrupted and fraudulent letters from a law firm Linebarger Goggan Blair & Sampson, LLP representing XXXX XXXX against a honorable or ordinary citizen, erodes our justice system, WE THE PEOPLE will not be silenced and will appreciated checking this law firm and XXXX XXXX XXXX, fraudulent stated : vehicle tag # XXXX unpaid parking fines, knowingly that this vehicle title did not correspond to the name involve in this letter received and attached in this complaint for fraud that harm our family, this could be of robbed of identity affecting our credit record. 
We are fighting against fraud and corrupt and silence is not an option. Please review and make right thing, protecting the community.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

My loan was place in forbearance without me asking after 5+ hours on hold I finally get to a supervisor who removes the forbearance. I then ask why my loan payment increased XXXX $ when I was told it wouldn't I received three different letters in two weeks all with different repayment amounts. They inform me there is a known error in the SAVE recalculated payments. I was asked for my XXXX  tax information and I was informed my repayment should be about XXXX $ not $ XXXX. I was told that the recalculated amount wouldn't be ready for my XX/XX/XXXX payment and they could place me in forbearance again. I said no to forbearance if my new payment would be ready by the next payment due date. The date is coming up and the new payment amount isn't applied. I don't have time to waste a day on hold for Mohela to do their job. I paid the XXXX and will not do this again.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

XX/XX/XXXX {$550.00} was automatically withdrawn from my personal checking for my monthly loan payment with Mohela. Then again on XX/XX/XXXX, another {$550.00} was withdrawn from my checking account. This led me to overdraft my account and incur a {$10.00} overdraft fee. 

I am scheduled to pay Mohela {$550.00} via XXXX XXXX on XX/XX/XXXX for my XXXX payment. I would like to ensure that I won't have this amount take out twice in XXXX and want reimbursement for the additional charge in XXXX. 

On several occasions I have attempted to call Mohela, but never received call backs after selecting that call back option or was hung up on. As a result, I sent a message via my online portal to Mohela on XX/XX/XXXX with not response. I sent another message today hoping for a response.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MD)

Chime/XXXX  XXXX refused to approve my claim for {$1200.00} for a fraudulently charged on XX/XX/year>. I have filed a police report with my local jurisdiction and they still denied my claim twice. This has been a horrible experience and this company needs to be exposed for their criminal practices.
Consumer complaint received 2023-07-10
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. (CA)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX, XXXX XXXX  XXXX & XXXX XXXX XXXX XXXXXXXX
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. (NY)

On my Experian report XXXX XXXX account was listed as first being in collections for {$1800.00}. I disputed it sending in proof account was paid as agreed for {$1800.00}. It was then updated to being charged off for {$3600.00}. I disputed again and sent proof again it was paid as agreed for {$1800.00}. It was then updated to being written off for {$3600.00}. This account was paid as agreed
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was awarded a {$200.00} cash bonus for a new checking account on XX/XX/year>. The same day {$48.00} was withheld for taxes. It shouldn't have been and this has been confirmed by numerous bankers I have spoken with. As of today I called and talked with XXXX Fifth Third employees and each says it's someone else 's department. The taxes were for state taxes and in Florida there are none. I've been trying for over XXXX weeks to get this corrected. At the endo fo the year Fifth Third will send me a XXXX for the {$200.00} and I will file my taxes, only federal, not state.
Consumer complaint received 2023-04-21
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: LEXISNEXIS (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  been supplying XXXX Nexus, XXXX, XXXX and XXXX with harmful and negative information on me for over three years. These event are choosing me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  est. There has to be a clear reason that companies are attacking single minority women to the point that they weather me XXXX instead of just following guidelines with the FDCPA and the IRS the CONSUMER. Please help inn this matter because I being attacked. There are several CHARGE OFFS and enough is enough I need the title to my XXXX XXXX please.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (AL)

Ive filed several disputes with the credit bureau and the information keep coming back as accurate by the collection company. I called the XXXX number and each time Im told its my debt and they would send me my written and signed consent that I owe this debt and I havent received it. I asked that they cease and desist and remove the information from my credit file and they havent.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc. (PA)

On XX/XX/2023, I transferred XXXX $ XXXX tokens worth around {$5000.00} to my Binance US wallet on the XXXX ( XXXX ) network. Please refer to transaction XXXX on the XXXX network. You can go to XXXX XXXX XXXXXXXXm to view fantom transactions. 

The address that I transferred the assets from is XXXX. 

The address I transferred the assets to is XXXX. This is my Binance wallet address. 

The funds are sitting in my Binance US wallet, but I have been told by the company that the funds are unable to be retrieved as the token type is not supported. However, I have confirmed that the assets are available at that wallet address, as can be confirmed here : https : XXXX? XXXX It is unacceptable that Binance US would tell me they can not retrieve my assets. I simply want them to transfer my $ XXXX ( FTM ) tokens back to me at XXXX address XXXX which is the wallet address I originally sent the assets from. 

Please reach out to me if you require any additional information.