davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

XXXX XXXX XXXX XXXX XXXX XXXX, working for the same institution for over 20 years. The Public Service Loan Forgiveness program was a godsend, after earning the degrees necessary to enter the XXXX XXXX. Once on the program, I certified my employment and verified our income in order to maintain the terms of the program. Despite XXXX XXXX mishandling, we were relieved the bulk of our remaining balance was forgiven after ten years of never missing a payment. The remaining balance could not be explained, so XXXX had me on administrative forbearance until they could work it out. Then my account was transferred to MOHELA. We were thrilled to receive a letter in XX/XX/2023 from MOHELA stating that the remainder of our loans had been discharged and we were no longer required to pay. Imagine my surprise when I was given notice in XXXX that I would resume payments. Since then, I have been on the phone with MOHELA for hours, missing multiple days of work trying to figure out what went wrong. Worse, at the end of XXXX, the US Dept. of Education made an automatic withdrawal of approx {$550.00} in repayment of the loan. This was money I had set aside for groceries for my family of XXXX. I have spoken to countless representatives at MOHELA at varying levels. No one can explain why I am in repayment. All assure me that they will place my account on PSLF forbearance and it doesn't happen. I currently " owe '' a loan payment at the end of the month despite multiple assurances that I will be placed on forbearance. In the meantime, I have worked with my US Representative, XXXX XXXX XXXX office. They communicated through their congressional liason my complaint and indicated that many people have complained about MOHELA. I also filed a complaint with the Federal Student Aid Ombudsman. When I spoke to XXXX ( XX/XX/2023 ) who presumably is in the ombudsman office, he indicated that not only had I satisfied the terms of the loan, but according to the National Student Loan Data System, I had made 135 qualifying payments! Please help me make MOHELA accountable. I have met and exceeded my obligations according to every representative I speak to - yet, they still send me bills.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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
Consumer complaint received 2023-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (CA)

So first, I saw an additional XXXX in my student account coming out of no where. They first told me they were taking it off my subsidized loans which I did not see being taken off. Then I was told after a XXXX minute conversation, of them trying to convince me that I was getting the benefit from this, which I completely disagreed since it had nothing to do with me or my loans. That I would not see those charges after Tuesday. Then when I look at my account today ( saturday ), I see XXXX being charged in my account. I am so confused, I am not going to be earning enough money to pay off random money that is being sent to my account. Please help.
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Solutions Group, LLC (KS)

XX/XX/XXXX A text to my phone number. I have no idea who this is. He is attempting to collect debt for my brother, who passed away on XX/XX/XXXX. Hi wife, is the co owner of the company and she knows all about the debt and has a lawyer. She told this guy about his untimely death. This guy sent a collection notice by text to 5 family members that have no idea what he is talking about. How did he get our phone numbers? Isn't this illegal to share account info to people not on the account? 
text sent to : ( me ), my brother, my sister who is married, my sister 's husband, Sister in laws brother
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I found a BofA VISA card on my XXXX XXXX : XXXX. 
I never ordered this card, never gave my consent to open this card. I called BofA Cust. Serv. The couldn trace this card. I tried to trace this card on the VISA website, to no avail. 
BofA Cust. Serv. never returned their response to my inquiry. The card is still lingers on my account. Please help XXXX Bank of America Credit Card BOFA VISA XXXX XXXX XXXX Bank of America Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOFA VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (NY)

I have set up automatic payments with Aidvantage for student loan repayments. The company has been pulling the money from my account on time every month but charged me an overdraft fee in the process of {$35.00}, despite getting the money on time every month.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (GA)

I was out with my family at a food spot and my phone and my wallet and phone was gone when I left the bathroom. I was able to locate my phone using FIND MY not to far from the food spot. I assume the thief couldnt get in or something and just left it in the grass. Anyways I reach out to chime they deny my dispute and offer to send documentation but Im XXXX and some change short XXXX is around the corner and I really need my money back
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found XXXX accounts that are not mine. I did not open these accounts. These are XXXX phone company accounts. XXXX which already went into collection. Please remove these accounts for me ASAP. Thank you so much for your help.
Consumer complaint received 2023-12-11
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. (GA)

I am writing to formally attest that I am a victim XXXX XXXXXXXX XXXX XXXX, as defined under section 605C of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in complying with the legal obligations outlined in the FCRA to ensure the protection of my rights as a survivor XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NY)

I opened my Apple Credit Card by Goldman Sachs in XXXX. 
On XX/XX/XXXX my IPhone was stolen which I reported to the bank right away. 
Fraudster and scammers used my virtual Apple Card to shop online and phisical stores, adding more than XXXX dollars in fraudulent charges. After reporting and claiming Goldman Sachs why this happened if I had already called to block the card they confirmed that they will block the virtual card and I could use my phisical credit card which I still have. I was even able to go to our neighborhood poultry and buy some fresh chicken with the card. 
Couple of days later Goldman Sachs has closed my credit card account and they say that I will need to reapply for a new card if I want so, however this is not a guarantee that my credit card and credit limited granted before will be the same or honored. 
I find this situation very deceptive and demeaning since closing my account will affect my credit score and history. 
Since I was stolen my iPhone and all those charges are unauthorized I would like to know my rights please.
Consumer complaint received 2023-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC. (WI)

I am getting mail and letters and also had a judgement on my credit report. The name they have is wrong thats not my name at all. I have asked this attorney to please take this off my account. This attorney continues to harrass me and send letters to me and threaten me for a judgement and now I am also receiving a letter on XX/XX/ harrassing me again stating they are doing another judgement.
Consumer complaint received 2023-11-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (OH)

XX/XX/2023 I applied to get a credit card/line of credit from Navy Federal , I have an account with them. I was denied on the basis of my credit report, which is illegal and discriminatory. I reached out to the company upon me researching and learning more of my RIGHTS that I should not have been denied and attempted to remedy the occurrence. I started a chat within he messaging portal on the app on XX/XX/2023. I was met with opposition, stating that my credit was not sufficient and that I would have to reapply seeing as though it was beyond 30 days. I was invited by email to apply for a line of credit XX/XX/2023, which is evidence that a soft pull was done to access my credit report without my consent, which is also illegal and considered bait and switch. I requested that my application be withdrawn and returned to me seeing as though I am aware that my application has been securitized and began being traded, collecting interest for their company without my just compensation. Still nothing. So on XX/XX/2023, I applied again and was denied yet again. This is negligent non compliance which holds penalties, this is also securities fraud and violations to my consumer rights. This is also stopping the flow of commerce which is an offense as well.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, 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. (MI)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Small Business
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are two student loans on my credit report that I never authorized to open and i never used them. I never went to college. The student loans reporting are XXXX XXXX XXXX XXXX. I tried speaking with the company and they told me I have to file an identity theft affidavit and submit that to them and the credit bureaus. They make it really hard and it's not fair.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XXXX, when my account was charged off, I never received a 1099c form. Even though I have paid off less than the full amount owed, the IRS still considers charge off accounts as income that must be reported. Despite sending multiple letters, I have not received a response.
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$18000.00} Status Open.
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-30
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: WESTERN ALLIANCE BANCORPORATION (CA)

I was charged for corporate fee of {$45.00} showed on my mortgage statement. I called and asked what the fee was for. The representative informed me that it was for the inspection fee, which I was never informed about the fee anytime during the mortgage assistance application starting on XX/XX/2023. I requested over the phone several times to request for the refund of the fee and have the case escalated to a manager on XX/XX/2023. However, until now, no one has got back to me.
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: Experian Information Solutions Inc. (GA)

Please remove all inquiries and inaccurate accounts from all bureaus listed on all three credit report because it does not belong to me.

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

EXPERIAN INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX