davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

MOHELA, my loan servicer, has incorrectly placed me on the " SAVE-alternative '' plan, because according to them, I have failed to recertify my loans. However, I did not need to recertify because of the payment pause during the COVID-19 pandemic. I should have been placed on the " SAVE '' repayment plan. I have spoken with them on the phone and they acknowledged the issue back in XXXX XXXX and state that they would correctly change my repayment plan back to SAVE. It is now XX/XX/XXXX, and upon calling them, they deny any issues on their part, and deny their admission of error or any conversation over the phone we had back in XX/XX/XXXX, and continue to tell me that I must recertify my loans and apply for a new repayment plan when I clearly do not need to. They are unwilling to put my loans on administrative forbearance at this time. They need to change my repayment plan back to the " SAVE '' plan without me having to recertify or apply for a new repayment plan.
Consumer complaint received 2023-12-14
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: MOHELA (CA)

I discovered through our mortgage loan back ground check that I had a late payment in XXXX of XXXX that says I was 90 days late on payment. The status of my school loans has always been current and doesn't make any sense why in XXXX of XXXX I was 90 days late when the XXXX month shows current and XXXX as well. My score in XXXX of XXXX was XXXX and the mortgage lender is suggesting that the XXXX late payment was added recently. But I have never missed a payment. I contacted Mohela who has the loans and they said to contact XXXX XXXX XXXX which had my loans before. I never moved to Mohela that was done automatically by the gov.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CO)

I am enrolled in the public service loan forgiveness program. By my count, I should have already qualified for loan forgiveness, and am about 7-8 payments over the requiremed number. When I inquired with Mohela regarding the record of payments, I noted that in the record there is a gap in payments documented ( no payments documented XX/XX/XXXX-XX/XX/XXXX ). I reviewed my bank records, which show I made monthly loan payments during this time. This would mean I was making qualifying payments. However, Mohela says that the period does not qualify, even though this period does not appear in my ineligible payments record. I've requested the company document the payments as not qualifying or count them as qualifying, neither of which has happened. Instead, they're requiring me to continue making student loan payments, even though I've already qualified for forgiveness. Of course, every call involves a two hour ( no exaggeration ) wait time to speak with anyone.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-10
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OR)

In XXXX this year I submitted an online order to Sephora ( card provided by Comenity Bank, Bread Financial ), only to find out the card I had expired XX/XX/XXXX that I'd had since XXXX ). 

I called/ or emailed from my account to customer service in XXXX ( then in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ), XXXX times since the card expired, and each time was told a " replacement '' card was to be mailed for the XXXX ( XXXX ) not received. 

I have gone to my local post office to advise the carrier of the situation. The local branch and the carrier have no evidence of ANY cards being received. I've also verified my address with the credit card company. 

NOT ONE CARD has been produced on any occasion that the credit card company SAY they mailed a new card. My box is in a series of locked boxes, and in contrast, another credit card company mailed a replacement after a small unknown charge on the card before. I received that one in 7 days!
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (MO)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in the document attached. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2023-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torres Credit Services, Inc. (PA)

Im not sure what happened as this just recently appeared on my credit report in the past month. Yet it says date opened in XX/XX/XXXX Thats not possible. I have copies of previous reports and this was not there. I have had issues w/multiple accounts in the past in regards to identity theft. ( see attached report ). 

I believe this to have been opened fraudulently.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX I made my first payment to XXXX and to XXXX XXXX of {$68.00}. On XX/XX/XXXX I made a second payment of {$35.00} to the same place. The former was for XXXX shirts and the ladder was for a hat. I never received either of them. I do not believe XXXX to be a scammer but I do think there was negligence as there are other people who have said they didnt get their orders as well. I tried contacting literally every where during the time period I could dispute. They would always redirect me to another place. Keep in mind I was a CHILD. I was XX/XX/XXXX and didnt know how to do those kind of things so you can imagine what its like as a kid to not be heard out trying to figure out what happened. I am now XXXX going on XXXX and still do not get a fair case because no one has helped me at all. Please contact paypal, XXXX, XXXX to get my refund. Its all I ask for.
Consumer complaint received 2023-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

Yesterday, I was trying to XXXX money from my checking account to my son in Ohio. The online banking at Chase would not allow me to do so, thinking it was a fraudulent transaction and freezing my account. After numerous unsuccessful attempts to resolve the problem over the phone, I went into the local branch, identified myself to the representative, and asked for her help. She, XXXX XXXX, tried to assist me, but after several failed attempts ; she called someone to ask for further assistance! I forgot to get the name and # of the lady she spoke with, but was assured that she would resolve the problem. We were told that it would take a half hour or slightly more for everything to process. By then, it was XXXX and I had been trying steadily to get this sent since XXXX. XXXX suggested that I go home and try again at XXXX. She said she would be available untill XXXX if I still had problems! After trying again at XXXX, failing and being locked out again, I tried to call XXXX 4xs and was unable to get through! I tried to logon to my Chase account again this XXXX. Still locked out, XXXX is off work today, XXXX said he would have someone call ( XXXX ), but nobody has called!
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had sent a notice to these to agencies about 2 months ago and have not received a response nor a solution to my problem. I had requested to be opted out of the reporting of the following informationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want my nonpublic financial information to stay private so I am asking that I am opted out of reporting that information pursuant to 16 CFR 313.7 - Form of opt out notice to consumers. I have a right to privacy and I intend to keep it.
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NC)

In XXXX of this year I applied for the SAVE program like many did to lower my payments. My application was successfully submitted per the student aid website. But then I never saw this change take place with my loan provider Aidvantage I still received the same bill ever month. So after a month I tried to call the loan provider - but the call center was closed indefinitely - I was directed to email instead. So I contacted them via the email link on their website asking when I would be placed into SAVE, then did not receive a replay for over a month ( website says 2 days for a response ) and when I did receive a response it stated I was not even in a IDR plan. Even though my account when I look at my loans on their website and the federalaid website states I am currently under the PAYE plan which as far as I know is a IDR plan - so both incorrect and unhelpful as I was asking about my application for the SAVE plan. Since emailing didn't help I tried to call but I had the same issues as before and currently their " book a call back '' link is all blacked out. So I went again and applied for the SAVE plan on the federalaid page again to see if this time I could get through to them. But I am also submitting this complaint as I know I am not the only person having an issue with this loan servicer at this time especially in regards to changing your loan terms.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

WF, I trust this letter finds you well. I am writing to formally request a comprehensive review of my denied claim, involving unauthorized transactions totaling {$150000.00} on my account. 
I recently received notice from the claims department that my claim was denied on the grounds that the transactions were authorized by me. I wish to emphatically state that I did not authorize these transactions, and I have substantial evidence to support my claim : 1. Police Report and Suspect 's Confession : o Attached, you will find a police report detailing my victimization through identity theft. The suspect has confessed to using my identity to deceive bank staff into wiring funds without my authorization. 

2. Proof of Work Attendance : o Additionally, I have attached documentation proving my presence at work during the time of the unauthorized transactions, further confirming that I did not initiate these actions.

3. Wells Fargo Authorized User Policy : o Finally, I have attached the Wells Fargo policy stating who is considered an authorized user. The suspect was never an authorized user and I never gave him my banking information to wire money. As a matter of fact, Ive never made a wire in my life. 
I am seeking a fair and thorough review of the evidence provided. It is my firm belief that the circumstances surrounding this case warrant reconsideration and prompt resolution. 

Id like to stress I DID NOT make these transactions and I am asking Wells Fargo to pay me back for the unauthorized transactions. Wells Fargo has a duty to reimburse me for the unauthorized transactions by law and my customer agreement. 

I am available at XXXX or XXXX to provide any additional information or clarification required for the mediation process. 

Thank you for your prompt attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XX/XX/2022, a person communicated via telephone posing as a representative of the Banco Popular de Puerto Rico, this person in the call indicated the first number of my debit card, for this reason I thought the call was reliable and Provide all of my personal and banking information including my address, social security, driver 's license number, my email, and all of my passwords. I realized that the call was fruitless when I couldn't access my accounts.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (PR)

I want XXXX XXXX and Experian to also take notice of my current complaint and response to XXXX. XXXX is just acting with their power and money and everybody else seems to decide to make silence. BUT I AM NOT GOING TO MAKE SILENCE NO MATTER XXXX 'S POWER AND MONEY.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2023 I sent certified mail to all three credit reporting agencies and Synchrony Bank/Care Credit CEO XXXX XXXX and to Synchrony Bank/Care Credit ( XXXX XXXX XXXX XXXXXXXX ) dispute department. Stating Consumer Codes 15 U.S. Codes 1681s-2/ 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Responsibilities of furnishers of information to consumer. 

Synchrony Bank/Care Credit is reporting that the account is full paid/closed/charged off. I have requesting that this account be deleted from my credit report but is being denied. I WANT THIS ACCOUNT DELETED AS ALL OTHER CLOSED ACCOUNTS.
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I got an email saying the total amount of my loan was forgiven back in XX/XX/2023. My loan balance shows that I owe XXXX dollars on my account but the servicer refuses to answer my phone calls and when I disputed the loan balance on my credit report the servicer reported I still owed the money even though the loan was forgiven and my account shows XXXX dollars owed.
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC (GA)

Due to the lack of diversity, equity and inclusion, Loan Depot has engaged in unlawful discriminatory and predatory lending practices in its underwriting and customer service departments in order to benefit from the socioeconomic hardships of its homeowners during the Covid pandemic. Please see the documentation ( that was written in real time ) below, in attempt to resolve this matter without having to file for litigation
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

Maximums is the owner of Aidvantage and they are a mis-managed and fraudulent company. Aidvantage has changed their names too many times to be credible. I was sent an email that all my student loans were forgiven and the balance for all of my loans was {$0.00}, two months ago. Now on the same website it shows that I have a past due balance. Prior to being sent the notification that I had {$0.00} balance due to the Biden loan forgiveness program, I submitted a request for a forbearance.

I would like to file a formal complaint against Maximus, as well as Aidvantage or whatever they are calling themselves. Maximus and Aidvantage do not need to be the service company managing any student loans. The Dept. of Education and the Financial Aid System needs to manage these programs. Aidvantage and Maximus are both fraudulent companies. 

I have again requested a forbearance request as of today and am awaiting their response. Aidvantage notified me of my XXXX balance for all my student loans as well as all parent plus loans in my name. 

In Jesus Name please put Maximus and Aidvantage out of business.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I contacted Chase bank regarding several unauthorized ACH withdrawals from my Business Checking account. There were XXXX transactions totaling {$13000.00}. 


The Representative stated documents will be mailed & i should receive them within XXXX business days - that i should sign and return them. None arrived. 


On a second phone call, I was asked to go in person and file a Disputed Transaction form. I went into the XXXX XXXX branch in XXXX, TX and the branch XXXX faxed it in. 


Meanwhile, i received an email notification stating I received a letter on the online banking portal. 

The online portal showed multiple documents. 
XXXX. Stating that the claim was closed XXXX. Asking me to complete the same Dispute Transaction form and fax or upload it XXXX. Stating that the claims were too old and will not be paid XXXX. Stating that these Transactions were authorized XXXX. The initial document dated XX/XX/XXXX arrived on XX/XX/XXXX -- asking me to sign and send a document on XX/XX/XXXX ( when I did not even have it in my possession ) I have spoken with XXXX different people from the Claims Dept and each person offered me different information. 

The XXXX person i spoke with advised me to close the account and open a new one. I did that. 

On mulitple occassions, i requested any information that shows I authorized these transactions. The purpose was to contact the merchant directly and resolve the issue. I was told that it wasn't available and would have to be request from 'the back office '. Today ( XX/XX/XXXX ), I was transferred to the Retail Business Service dept. The Representative transferred me back to the Fraud/ Claims department as he could not access a 'closed account '. 

Here are the dates & charges in dispute : XX/XX/2023 - {$1500.00} XX/XX/2023 - {$2100.00} XX/XX/2023 - {$1200.00} XX/XX/2023 - {$1600.00} XX/XX/2023 - {$1600.00} XX/XX/2023 - {$1800.00} XX/XX/2023 - {$1400.00} XX/XX/2023 - {$1700.00} A Financial Institution should not be allowed to arbitrarily presume that a Merchant or their Bank sending an electronic message stating the charges were Authorized is accurate. That Merchant should produce documentation that I authorized these large withdrawals. 

I am a small business owner and this financial loss is devastating. More than that, my funds should be safe from unauthorized electronic withdrawal and access.

I sincerely believe that I am the victim of Fraud.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I settled my accounts with XXXX XXXX XXXX  ( citi cards and XXXX CBNA ) I paided them in full with Interest..Interest they agreed too XXXX to XXXX in Interest and they still after XXXX yrs will not remove it from my credit report as a matter of fact they added something with no explanation to my report from XXXX and XXXX with no explanation I want there's things removed and removed now I hired a law firm to help me with not much results so I'm appealing to your organization to help me this is unacceptable it's been way too long for them taking advantage of me theses banks agreed to repayment amounts and after XXXX yrs they won't remove the Laws need to change for the consumer not the banks