davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

My account was placed under administrative forbearance on XX/XX/2023, i called on XX/XX/2023 to request information about what why this occurred, I was on hold for XXXX hours. I was told that if I made the scheduled payment that it would not effect my PSLF progress. I also asked to speak to an account manager. They told me that the forbearance was a mistake on the account and would be removed after several days. It has not yet been removed. I made the payment on the originally scheduled due date for the originally billed amount. The payment has gone through, but not the month of XXXX is being flagged as ineligible for PSLF because the account was in forbearance. 

To summarize. 
1 ) i requested forbearance to be removed, it has not and the account is still in forbearance 2 ) i made the scheduled month payment on time as was calculated under the SAVE program 3 ) I was told that this would count towards PSLF, but my account shows that the payment is being marked as ineligible.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

MOHELA put my account on some administrative forbearance without my authorization, consent or request. They did this on their own. I just checked studentaid.gov, and it says that this forbearance is delaying my PSLF progress. I have tried calling MOHELA numerous times, but they are not open when I am home. When I try calling during the work day, I am put on an hour hold. There is no viable option to contact anyone at MOHELA to correct their error. I would like my monthly progress towards PSLF restored, and my payment count updated immediately. Thank you.
Consumer complaint received 2023-11-10
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (PA)

Recently I Applied for a Synchrony Bank XXXX XXXX XXXX XXXX  advertised it on website ) to help with car and vehicle expenses! The denial reason was That I owed synchrony bank on a prev credit line! This is just to resolve the credit line and or settle this matterXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im now starting to get back up on my feet! Ive also has several other Synchrony Bank Cards others one of them I owe a balance on being XXXX XXXX card! Im requesting to again settle and or resolve this and would like to ask and or offer the following! 

XXXX XXXX of the what seems to be XXXX balance as before anything happens I tried making small payments and got the account down to such a low amount and tried to do right by synchrony bank and let me immediately reapply and or have my application reconsidered as such! 



Im willing to resolve this and pay the XXXX balance on the following stipulation and all of them have to be met! 

XXXX. The XXXX  XXXX card is taken out of synchrony banks system and not used against me! 

XXXX. The XXXXXXXX XXXX XXXX I applied for is reconsidered and approved amount based on credit worthiness and up to synchrony bank XXXX. XXXX XXXX XXXX Removed from credit Bureaus I would need the payment address to send the money order and or check! 

If you sign and or date the check and cash it The Bank Agree that they then are entering into the above agreement and must obide by such!
Consumer complaint received 2023-05-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo denied me loan modification when I was struggling to keep my home. I had a prev. Complaint but they only had dates but no information regarding the numerous conversations denying loan modification. Certainly there is a written transcript of those calls to provide more accurate representation of how my situation was improperly handled.
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NY)

Student loan repayments started back up. I signed in with MOHELA, my current servicer, and saw that I had made the requisite number of payments to fulfill my public service loan forgiveness. They continued to send me letters about repayment. I called customer service and then was put on hold for over an hour before finally giving up. I emailed them on multiple occasions but did not receive any confirmation that they were working on the issue. Last month, I signed in and saw that I no longer had a payment due. I assumed this meant, they had sorted out the problem. Today I received a letter that they would be auto-debiting {$400.00} from my bank account in XXXX. So, I emailed them again and pointed out that I had reached the requisite number of payments for forgiveness. As before, I have received no notification that they got my email or that they will get back to me. I do not expect that they will ever get back to me. I'm sure you can understand how frustrating and stressful it is to worry that they will be taking money from my bank account that they should not be taking and have no control over the situation and no way to get through to talk to a customer service representative.
Consumer complaint received 2024-01-05
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have contacted XXXX and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. No one has provided any proof, not the creditors, not the credit reporting agency. XXXX, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (MD)

XXXX and MOHELA are in violation of The Fair Credit Reporting Act ( FCRA ) my credit report has account that have been reappeared after being previously removed, making me a victim of an improper reinsertion of credit data. I understand that The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless they receive a certification from the data furnisher ( MOHELA ) that the information is correct and then provides notice to the consumer that the information will be reinserted. This never happens.. I understand that : If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, that it will a fraud MOHELA has continued to very to XXXX and XXXX that the account has a {$100000.00} balance even though Recent payment was {$100000.00} as of XXXX And MOHELA record shows {$0.00}. balance. 
Report NumberXXXX Date Generated XX/XX/XXXX Before After MOHELA/DEPT OF ED ________________________________________ Your information may have changed since XX/XX/XXXX View your current credit report Account info Account name MOHELA/DEPT OF ED Account numberXXXX Account type Education Responsibility Individual Date openedXXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance updated- Recent payment {$100000.00} as of XX/XX/XXXX Monthly payment- Original balance {$100000.00} Highest balance Current / Terms met XXXX Closed Reappeared as : MOHELA/DEPT OF ED Balance details 0 % paid off Balance {$100000.00} Balance updated XX/XX/XXXX Original balance {$100000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX XXXX  Account type Education
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023, I signed up for a waitlist for tickets to XXXX XXXX XXXX with XXXX. I then canceled the tickets online because my wife discovered she was pregnant in XXXXXXXX. We went through the portal and canceled both of our tickets. Then, on XX/XX/XXXX, we received an email stating that our tickets are " on the way '' ( to be shipped ), despite canceling them while we were still on the waitlist. We raised this issue to XXXX multiple times to no avail and my credit card does not let me dispute the charge. I paid in full for my ticket through an automatic charge on XX/XX/XXXX, and received it later in XXXX. 

Then, we tried to resell the tickets pursuant to XXXXXXXX XXXX policy, which states that XXXX would buy back the ticket if I had paid in full and there was an active waitlist. These requirements have always been satisfied while I've tried to resell my tickets : there was an active waitlist, and there still is, and I had paid in full. However, the online portal did not allow us to complete the official resell process while their waitlist was active and I had paid in full. Several XXXX customer service representatives refused to complete the resell process for us and failed to acknowledge their policy stating that the waitlist tickets could be cancelled or that the shipped tickets could be resold on their portal. 

As of today, XX/XX/2023, there is still an active waitlist, and the online website allows customers to process a waitlist order. Meanwhile, I still can not process my resell ticket after cancelling my ticket XXXX and paying in full for it in XXXX. 

We purchased the tickets under the waitlist and canceled them promptly pursuant to XXXX policy. XXXX then issued us the tickets anyway and refused to allow us to resell them under their own policy.
Consumer complaint received 2024-01-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc. (WA)

When Bread Savings closes an account they remove the tranaction history from your online account. At first they refused to close my CD, then closed it a few days late. I noticed the extra little bit of interest hit the account after the transfer was scheduled but then couldn't verify any amounts in the closed account. I asked Bread Savings how to access these transactions and got the run around. Then they said they would give me transcript of the closed account. That never happened. It's been over a month of asking them every couple of days for the records and they give empty promises with no intention of fullfilling them. If they aren't hiding anything why wouldn't they just prove it and show me the transaction records? Company did not respond directly to my previous complaint.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (CA)

I've made several attempts to VALIDATE an allegedly owed debt to Spring Oaks Capital. To my knowledge I've NEVER been in a binding contract with the company, nor is there any amount owed to the cited original creditor of this alleged debt. Due to the consistent disregard for lawful validation ; as well as the continued deprivation of the RIGHT to credit, I insist this matter be urgently addressed by the company 's current acting CFO ; XXXX XXXX, CFO Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you :. : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and California State Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief.

Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further.

-You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act XXXX and the Administration of XXXX XXXX XXXX XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing XXXX, distress, or humiliation ; because of their frequency or manner. Best Regards, by : XXXX : XXXX, grantee, beneficiary All Rights Reserved
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I attended college from XXXX and XXXX  school from XXXX. During that time I had XXXX and XXXXXXXX XXXX. Im consolidated them with XXXX XXXX sometime between XXXX They were bought out by XXXX. From XXXX, I worked for several non profits. Unfortunately I didnt understand the PSLF process until it started getting a lot of press during President Bidens term. In XXXX XXXX I applied and was approved after the required consolidation into an IDR plan manage by MOHELA. The rest of my loan, around {$3600.00} was forgiven. I made years of payments to XXXX over the required 120 PSLF. And I made some payments during the pandemic which I wasnt required to. MOHELA told me I would get a reimbursement check from the federal government but I havent. XXXX says they have no responsibility. FSA says Im not eligible for reimbursement because i consolidated too late in the process of making 120 payments. But part of the PSLF waiver program that ended in XX/XX/, was that you wouldnt be penalized for consolidating late, you would be eligible for PSLF even though you didnt have the right type of loan when you made your 120 payments, youd have your balance forgiven if it was under a certain threshold, and youd get reimbursed your overpayments! So Im writing to you to request assistance in obtaining my reimbursement which is approximately 4-5 years worth of payments. Thank you in advance for your assistance. 

I need to know what agency is supposed to reimburse me and assistance in advocating that I receive it. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

Under 15 U.S. Code 1681a ( 4 ), I, as a consumer, have the right to privacy, and it is imperative that this bankruptcy entry is removed from my consumer report. Failure to do so will compel me to seek financial compensation through the small claims court in my city and state.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/1970 I have tried XXXX  times to obtain my consumer report but Transunion have not received it. I called Transunion and tried to get it online. I still haven't received my consumer report.
Consumer complaint received 2023-11-10
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: NAVY FEDERAL CREDIT UNION (IL)

I am reaching out to report a case of fraudulent personal information linked to my identity. This unauthorized activity has resulted in the wrongful association of accounts and transactions with my name, causing significant distress and concern. I am a victim of identity theft and have promptly reported the incident to relevant authorities. The urgency of addressing this matter can not be overstated, as it has severely impacted both my financial stability and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and initiating a thorough investigation into this issue. I am fully prepared to provide any necessary evidence and, if required, pursue legal avenues to protect my rights and seek appropriate compensation. Your swift attention to this matter is highly valued.
Consumer complaint received 2023-11-10
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)

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.

has violated my rights. Or a 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 2023-11-10
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. (TX)

When attempting to close my account due to avoid credit reporting XXXX stated that using their services does not affect your credit report therefore I continue to use them. Nevertheless, due to an unavoidable crisis, I was late and XXXX reported every account on my credit report which in total XXXX accounts significantly dropped my score to below XXXX. I contacted an agent who stated to me that after I caught up with the payment XXXX would remove it from my credit report. I caught up with my payment and XXXX did not remove them from my credit report. I called again and the agent stated that they do not have control of the accounts as reported it was the credit bureau. XXXX falsely advertised having an account with them does not affect your credit score to prevent people from closing their account.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Upon the information provided from the dispute, XXXX XXXX XXXX XXXX is in violation of report inaccuracies on my credit files. The documents they sent to me had a wrong social security number and address. How is this company reporting anything to my credit files with wrong information? The contact they sent, they blocked out the social security number, so how is that proof its my account?? On the original contract the social security number is wrong thats why they blanked out the information on the contract. This is illegal and this is not the right way to conduct an investigation. This company also sent me a check that does not have my information on it nor is it my account! The check did not have my signature on it. The contract they sent me also had a forged signature on the contract. The signature does not match mines someone signed that contract without my consent. Per the FRCA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Per the FRCA 1022.82 ( d ) ( 2 ). You have reported an address to my credit files that has not been verified.
Consumer complaint received 2023-11-10
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. (TX)

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payments or credit that gas given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX