davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VI)

I have reached out to my service provider MOHELA in XX/XX/XXXX to request a refund of {$25000.00} lump sum payment made during the pandemic. The funds were made under XXXX prior to closing. Since XXXX is no longer my servicer, I was assured that MOHELA would handle the refund process and payment would be received within XXXX business days. 

I have called MOHELA at least XXXX times for an update often waiting on hold for hours due to not receiving the funds. I have escalated the case and filed a complaint directly with MOHELA and the Department of Education in XXXX of XXXX. I was again informed the money would be received prior to XX/XX/XXXX by an advanced agent. 

As of XX/XX/XXXX, XXXX months after the initial request of the refund, I have not received an accurate update on the status of the refund of {$25000.00}. I have relied on the information given by MOHELA on when to expect the funds to be received. I have resorted to taking out a high-interest personal loan to make ends meet. The misinformation given by MOHELA has caused me financial hardships with no end in sight. MOHELA have not provided me with information to contact the Dept of Treasury and have not provided me with the long expected refund payment. Please let me know what legal steps I can move forward with to proceed with a refund as granted by the federal government. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have never applied nor perform services or business with XXXX XXXX yet there are multiple inquiries all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquires dated XXXX, XXXX,
Consumer complaint received 2023-11-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

My insurance company is trustable. They use Wells Fargo bank. I made a claim and was paid {$1000.00}. I deposited the check into my account. My bank came back telling me they are holding the rest of the money which I was giving {$220.00}. My bank said due to a confidential matter the check may be not paid. This is just plain harassment from Wells Fargo. They don't have a right to hold my money hostage that I pay my insurance company trustage. 

Wells Fargo is playing dirty here and is allowed to get away with it. To not pay the check that my insurance company uses them as their bank is a new real low. Because of the other problem I had. They are refusing to let me have my own insurance money.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center (KS)

Repeatedly calling me at my office phone number and a robot is asking for a person whose name I do not recognize. They ask for a different name each time they call. They have called many times per day every day over the past two weeks. No amount was ever given given.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I owed a balance for XXXX XXXX CREDIT CARD NUMBER XXXX and paid {$120.00} in XXXX of XXXX. As of XX/XX/XXXX, the account still has a balance owed. I have tried to call and email XXXX. They will initially respond but once I tell them why I need help I get no response.
Consumer complaint received 2023-11-27
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Nelnet, Inc. (CA)

In 2015, XXXX XXXX XXXX University wouldn't release my transcripts because I owed them roughly $ XXXX {$800.00} for withdrawing from their school before the quarter ended. I left because my program was closing and they either wanted us to either do a dual degree with any of the current or new programs or start over. I chose to start over but not at that school because I couldn't afford it. So I went to a community college to start over but they needed my official transcripts and XXXX wouldn't release my transcripts. After I was finally able to pay off what I owed at XXXX and get my official transcripts, I found out from the Board of Education that all of the credits I earned at XXXX were not even transferrable/accredited. So I racked up thousands of loans just going to XXXX and not even having any credits available for transfer.
Consumer complaint received 2023-10-13
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLIANCES XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (MD)

Earlier this year, a collection appeared on my report from Aldous and Associates for {$100.00}. Unaware of the source, I called the company inquiring about the source to which they informed me that the debt was from XXXX XXXX, a membership I had opened almost a year ago. I informed the collection agency that I cancelled my gym membership, to which they responded that according to XXXX I had not. I attempted to call the corporate office only to find out that they either do not have a direct line or it is extremely obscure. I continued to inform the collection agency that I cancelled my membership a month after my service there but they claimed the manner in which I cancelled it was not correct therefore nullifying my Cancellation. I then asked them to remove it from my credit report to which they responded that they had previously tried to reach me numerous times at an address I didnt even live at. The email they sent to me was never seen because it went straight to spam ( most likely because people report their emails as such ) With no way to reach youfit and no resolution with Aldous & Associates, I went ahead and paid the {$100.00}. Now the account has finally been zerod out but I have a collection on my report for 7 years that should not have been there in the first place. I feel railroaded and youfit has no number I can find to rectify this. Theyve taken money from me that I know I dont owe and now Im on a 7 year journey with this only report. Im not asking for my money back, Im simply asking for the collection report to be removed from my report before Im forced to take legal action.
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (UT)

XXXXXXXX XXXX XXXX  and other companies keep calling me to pay a debt for XXXX XXXX They keep calling me and other people that are not even associated with me trying to collect a debt that was paid off years prior to any calls. 
This number is a very unprofessional and and lie to people very shady XXXX ( XXXX ) XXXX look up on XXXX and they are a fake company comes up stillman law office
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

XX/XX/. This company has called me three times today and I called them back and asked them what type of debt this was or what type of company is this and they wont give me the information without verifying my name in the last four of my social. They called me several times last week and they keep calling me, but they wont tell me what kind of debt they collect. I have paid all of my debts. 

XXXX ( XXXX ) XXXX Citizens
Consumer complaint received 2023-11-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TN)

I closed my account with XXXX XXXX and returned all equipment I had received from them. I received a closing statement showing nothing was owed. 
At a later date, I received a bill for {$420.00} for equipment not returned. As I stated, I had ALL equipment that had been in my possession, so did not and do not owe XXXX anything. I did not pay them. They had a debt collector contact me via email. I furnished information to the first debt collector, who investigated the issue. THE FIRST DEBT COLLECTOR CLOSED THE CASE SINCE I DID NOT OWE THEM MONEY. 

THIS FALSE ACCUSATION HAS AFFECTED MY CREDIT RATING, WASTED MY TIME, AND CAUSED ME UNDUE XXXX. PLEASE REMOVE ANY DEROGATORY REMARKS ON MY CREDIT AND CEASE AND DESIST THIS UNWARRANTED ACTIVITY.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023 my mom sent me a wire transfer for XXXX. She went inside XXXX XXXX and sent the wire directly with the manager and both their signatures. The wire was successfully send and was deposited into my chase bank. I manage to withdraw XXXX from my account before chase froze my funds and account. I called in to see what the issue was and chase told me that XXXX recalled the wire transfer and that they had to be sent back. Today is XX/XX/2023 and chase still has my funds totaling XXXX sitting in my account. I went inside my branch chase in XXXX Texas on XXXX and spoke to XXXX who was the Manager at this branch. He helped me call in to the fraud department and they asked me a bunch of questions and also told me to submit documents proving that my mom sent the funds. I did what they had ask and they came back and told me they would send me a check for the total amount of XXXX and I would be expecting it in 5-8 business days. I went back into the branch today because it has been way past the deadline and XXXX told me the wire department wont release my funds and I ask why and he wont give me an answer. His exact response was the fraud unit cleared the check but the wire department denied it, you have to go to XXXX to get your money back. I ask him why would I go to XXXX, when Chase has my money? At this point its been almost 3 months and chase wont give me back my money. Ive already contacted a Banking attorney and will take legal actions against chase.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

I owed XXXX XXXX. XXXX dollars and planned to pay off the debt. I suffered XXXX XXXX XXXX  and during the Covid-19 pandemic. I was not able to remain employed as a XXXX of which I had been gainfully employed in since the early XXXX until around XXXX. I have since lived off of about XXXX a month. Of that amount, my mortgage alone takes up almost half of. I explained to Midland Credit that I would like to pay them a lesser amount and they said that it would be impossible for that. So now they want me to pay XXXX as a one time payment, or XXXX dollars over 24 months, or lastly, XXXX for 27 years. I feel that I have no other choice but to file bankruptcy because I know that poverty begets poverty and negativity. Thank you, with kind regards.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

Last year while living in XXXX, I had my debit card stolen. The person was using the account over a period of a week or so and I realized in time to call Chase before the account was fully drained. They asked me to present all the transactions that were fraudulent and I did so the best of my ability. They mailed me a new card, then soon after cancelled my account after I activated the new account. In addition, they reversed every single disputed charge and said I was banned for life from opening account with Chase. This was devastating as I was relatively new to the bank and they were my XXXX XXXX XXXX To this day, I still have a balance over my head with Chase that they call about periodically and Im sure Im still banned from opening an account with them. When I asked why the account was closed, nothing was ever said in detail to me so Im not completely sure what they think I did wrong. When I said the charges were not my fault, they simply told me Chase reserves the right to terminate a relationship with a bank at any point. Im sure this is a company policy, but I felt discriminated against because of the nature of the incident and how I was suddenly banned although my card was legitimately taken.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (MI)

XX/XX/2023 submitted a XXXX XXXX police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The XXXX XXXX XXXX verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. I have a Police and FTC report XXXX deleted it, XXXX and Experian still show it I have been passed back and forth between the credit bureaus and XXXX XXXX each of them blame the other this is very frustrating thanks for your help
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

XXXXXXXX XXXX XXXXXXXX Inaccurate Late Payments Immediate Action Required I noticed that you are reporting errors on my credit report indicating that I was late on the account ( s ) noted below. 
Please explain how you can report these negative marks when I was never late.
Consumer complaint received 2023-11-27
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Someone hacked my account yesterday XX/XX/26 at XXXX pm est and bought a {$2700.00} couch. The thieves are trying to send the couch to my home address. 

I immediately called Kohls to report the fraud and cancel my card. Because the order is in fulfillment, they state they can not cancel the order or refund the money today. 

Instead if I receive the couch, just return it or call us to pick it up. 

A XXXX pound ; XXXX foot couch! And then somehow get it returned back to them. 

The supervisor wouldnt even talk to me after being on the phone With 3 departments for 45 min. 

Utterly ridiculous and unacceptable.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

My my credit card XXXX it's not showing up on all XXXX credit bureaus it's only showing up on XXXX and I have tried on numerous occasions I talked to both the Creditor and both Equifax and XXXX and they keep giving me the runaround XXXX is telling me to contact the Creditor and XXXX is telling me to contact the credit bureau I have tried on numerous occasions to get this to show on my credit report and I need this resolved now it's been past 60 days since XX/XX/XXXX ... .. this is unacceptable and all I need for them to do is put it on my credit report just like XXXX ..... I have XXXX statements to show proof because each statement it gets reported to the credit bureaus.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope XXXX day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX  : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX | XX/XX/XXXX : Account number : N/A, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2023-11-27
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: Nelnet, Inc. (FL)

I have called Nelnet numerous times. My student loan was transferred to them due to another loan servicer closing. I had my loans in deferment when it was transferred. Nelnet did not notify me that they started trying to collect on my deferred student loans. I got a letter in the mail saying they were 90 days late and I was flabbergasted. This is predatory. They did not even tell me over the phone what the payment amount was, what they say was past due, or who authorized them to start repayment on a loan that was deferred. This is a problem with their transfer and mismanagement of my loan. Please update the accounts to NEVER late. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ). This needs to be investigated. I thought Biden put protections in place to prevent this! Shame on Nelnet. I disputed with the bureaus and Nelnet did not even respond- they provided no proof. I feel so violated. 

NELNET - XXXX NELNET XXXX XXXX NELNET - XXXX NELNET - XXXX NELNET - XXXX NELNET XXXX XXXX NELNET - XXXX NELNET - XXXX NELNET - XXXX
Consumer complaint received 2023-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX
Consumer complaint received 2023-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

For years, I have been subjected to relentless harassment over a medical debt that is not my responsibility. I have always been covered by medical insurance, due to my XXXX XXXX XXXX XXXX which necessitates lifelong medical protection. The issue arose when the medical service provider failed to submit the bill to my insurance within the required timeframe ( 1 year ), leading to the payment responsibility unjustly falling on me. I have made numerous attempts to rectify this situation, proving that I am not liable for these payments, but my efforts have been futile so far. I believe that the provider 's negligence should not impact my interests, especially since I have always been diligent in paying for my medical insurance. 

In response to this issue, I decided to send a debt validation letter to the collection agency that acquired my debt. However, the 30 business days provided by the Fair Debt Collection Practices Act ( FDCPA ) for a response have elapsed, and to date, I have not received any communication from them.