davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

on XXXX i paid the balance of my loan which was {$10000.00}. I have an email from Mohela that they received my money. see below XXXX, Your payment amount of {$10000.00} has been posted to your account with the effective date of XX/XX/2023. 
View additional payment details by logging into your online account. Questions regarding your account? Give us a call at XXXX, so we may better assist you. 

this money has not posted. i have letters from Mohela that i have satisfied the payback of my loans and they are closed. I even received a {$99.00} refund check from Mohela because i over paid! i have made 4 calls ( with the average hold time to get someone on the phone being 45min to 1hr 8 min. each call lasts an additional 45 min to an hour. i have over 6 message in their system begging someone to post the money to my account. each time the person is very nice, see 's the payment in the system yet i am told " i have to escalate this. you'll hear back ''. i NEVER hear back yet i get emails that the balance is outstanding. per the rep at Mohela the asked that i verify with my bank, 3 times that the money was not returned. Mohela has it and I need to reach someone who will post this money almost 3 months after i paid it!!
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (CA)

A couple of months ago I recived a phone call asking me to pay an amount that I did't have so we came to an agreement that I would make ( 3 ) payments. One on the XXXX XXXX, XXXX XXXX and the last payment on XXXX of XXXX. On the XXXX of XXXX my credit XXXXXXXX XXXX lost XXXX points from a late payment that was not late from Credence out of XXXX, TX. I was told in the phone that if I made the ( 3 ) payment my credit would not be effective. Well that was lie, on XXXX XXXX the XXXX account also lost XXXX points. This company is horrible they lie this was an XXXX XXXX account I was being charged for XXXX for just TV service. To be lie to and have the my credit impacted I would have just waited and asked 60 % reduction in the cost and negotiated the removel of the bad credit.
Consumer complaint received 2018-11-20
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: EQUIFAX, INC. (FL)

This complaint is regarding the account XXXX   XXXX..After sending  dispute letters to Equifax and XXXX, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX, I had a credit posted to XXXX XXXX account in the amount of {$16000.00}. This Bank of America card is attached to my checking account. I meant for this to be deposited into checking so, I went online to make a transfer. The largest transfer amount allowed was {$5000.00}. So, I made 3 transfers. The balance on this card prior to the credit deposit was {$0.00}.

Unknowingly, I was billed for " cash advance '' and/or " finance charges '' of {$200.00} with each withdraw. I called the credit card and they reversed one of the {$200.00} charges after asking why they were charging me finance charge on using my own money?

The agent then said the system was down and I would have to call next week to have the other charges reversed. When I called next week, I reached an agent that said she would take care it. But instead of reversing fees, as I was expecting, the remaining balance of {$220.00} was transferred into my checking account. I did not request this, as I stated I would " burn off '' the difference by using the card for purchases.

The credit card company was not transparent nor ethical with me in any of the phone discussions. I believe they also fraudulently charged me the finance fees.

I called again and spoke to a supervisor that stated my account was sent for decision and request to reverse fees was declined. I was not given a chance to appeal this decision nor was disclosed the fees prior to the online transfer. I was told that if I called the XXXX number, the agent would have made the entire transfer for me with charges or fees. 

I do not feel that I was treated fairly between being an online customer or a phone customer. The fees were not clearly disclosed or I would have made the choice to call instead. I also an disputing the finance charges being assessed against my own money and not a bank cash advance. 

I greatly appreciate the follow up in this matter. 
Sincerely XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

I was a XXXX  on a credit card account without my knowledge nor consent and I believe it dropped my XXXX XXXX without my knowledge. I used to be a XXXX  up until XXXX of XXXX. I was taken off the account. For some reason the bank added me back without my knowledge. The person who owns the account was also not aware of this. The person who owns the account tried to get their partner on their credit card account to be a XXXX  and my name was still on the account. US Bank told the owner of the credit card that they fixed it and I was off of the credit card. Their partner has a credit card with their name on it as proof. I do not know what date that was but I believe it would be in their records. Today, Monday, XX/XX/XXXX, I just logged in to see my credit score for the first time because it said that it had dropped. I was confused as to why considering I did not own a credit card. I saw and scrolled all the way down and it said I was still a XXXX  on the card. I called immediately and told them to take me off of the account. They did. The person who was helping me told me that for some reason I was added back. I told her the owner of the card and I were unaware of this and she essentially shrugged it off saying she didnt know. I asked her if the past XXXX years of my credit was reversible, considering this whole thing was without my knowledge and consent and all she did was explain to me what a shareholder was. Not taking responsibility for the companys mistake. Regardless if my credit score dropped for personal reasons or because of the owner, this should have never been an issue and I should have never been on a card I had not consented to. All phone calls should be on record with US Bank and so if they need to confirm any of this information that can look at what they have.
Consumer complaint received 2023-11-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NAVY FEDERAL CREDIT UNION (DC)

In XXXX of XXXX I reached to the account manager XXXX XXXX at Navy Federal to discuss Accounting on the account. Previously I made all payments to the auto loan from a personal account with another bank to Navy Federal. I realized that in addition to accepting my payments, XXXX XXXX Navy Federal were also illegally transferring payments from the business savings account that I had also established at Navy Federal prior to financing the car in XX/XX/XXXX. Once I realized this I called and spoke with XXXX XXXX as the appoints rep for the car account. After discussing the matter, requested the original car contract and all accounting on the vehicle which the bank found difficulty in providing. They then provided a titled promissory note that was day to late XXXX of XXXX with an unrecognizable signature. Since discussing the contract and accounting with XXXX XXXX in XX/XX/XXXX I sent several letter requesting informations and details to resolve this matter. I've called several times over months and did not respond to any letters or messages or phone call i made. On XX/XX/XXXX my car was repossessed by a third party hired by XXXX XXXX and Navy federal. I was not made aware of the car would be repossessed and could not again get in touch with him or anyone who could discuss my concerns until the following week. Under Navy Federal, XXXX XXXX XXXX has violated the law and my rights as a consumer.
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION (AR)

I took a personal loan back in XXXX of XXXX  to help with medical bills, and personal bills became i had recently had a child and basically lost everything at once. I was paying the loan and then after my life crisis i couldnt financially make payments at the time. I tried to lower my payments or get an extension but it was hard trying to get a live agent on the phone to explain and the loan ended up on my credit and begin to lower my credit making it hard to do anything.
Consumer complaint received 2023-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (ME)

I ordered a I phone on XX/XX/XXXX from XXXX. I had it sent to my niece, XXXX house. She received a 3oz package and not the XXXX! She contacted the XXXX, XXXX  Post Office asking where the XXXX was! What was sent was a 3oz package in it was a pen not my XXXX XXXX. My niece sent it back. She contacted the post office talked to XXXX, the Post master and XXXX told her it was a 3oz package that was sent and to contact the merchant on XXXX XXXX. ( I included a copy of the voicemail from Post office ). When I told XXXX they said to contact my bank Navy Federal Credit Union.The merchant cant be found.I contacted Navy Federal Credit Union. I told them I was scammed and never received the XXXX XXXX I ordered. I demanded Navy Federal give my {$750.00} debt back but they wouldnt they said the package was delivered. What was delivered was not what I ordered and they should give my money back! I shouldnt be charged for something I never ordered or recieved its merchant abuse! Im XXXX  and was taken advantage of by XXXX and my bank!
Consumer complaint received 2023-11-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (LA)

This was a XXXX cable bill that I had no knowledge of, however I paid it in full with the promise that they will no longer report this to my credit bureau. The used deceptive tactic to get me to pay and after i paid they did not do what they had promise.
Consumer complaint received 2017-09-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I was approved for a loan modification with 3 trial plan payments that began on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Then in XX/XX/XXXX the bank cancelled my modification because I did not sent back the Acceptance Letter. I informed them that I did not receive it that they had sent it to the wrong address, one number less. Then I called again and was told that they confirmed that they put the wrong address and would request a reversal on the denial. Again, I called on XX/XX/XXXX and was informed that they would not reverse it and now I have a sale date for XX/XX/XXXX. Please help me avoid foreclosure and keep my home.
Consumer complaint received 2022-09-21
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. (IN)

Someone is using my information to open fraudulent accounts which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below XXXX XXXXXXXX - XXXX
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: Maximus Federal Services, Inc. (NC)

I have bee trying to make a payment with XXXX  but my money keep getting reversed back to me. I have checked my account and routing number but they are fine. I keep reaching out to the loan department but nobody ever picks up the phone. I will be sending over all the transaction the school has reversed as well. Now I'm about to be 3 months behind because of there system. Please help as I have tried everything except this. 

Thank You!
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$410.00} {$410.00} {$0.00} Last ReportedXXXX XX/XX/XXXX XX/XX/XXXX Date Last Active:XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX none of these credit bureaus are matching DEPT OF ED/XXXX need to be removed only XXXX is reporting XXXX XXXX XXXX XXXX Monthly Payment : {$0.00} XXXX {$1800.00} Last Reported : XX/XX/XXXX n/a XX/XX/XXXX Date Last Active : XX/XX/XXXX n/a XX/XX/XXXX XXXX XXXX XXXX XXXX Account Status : Closed Paid n/a shows paid on XXXX, closed on XXXX, XXXX not reporting
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (WA)

XXXX sent me a letter on XX/XX/23 stating they sent it to Department of Educ/AIDVANTAGE in regards to all my loans should be discharged due to XXXX deemed me XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) all balances of loans hold be forgiven. They have duplicate of my loans on my credit report as well.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (OH)

My credit score has decreased XXXX points for an balance increase, not only have I been waiting 5 years for a loan forgiveness. I also received something stating that my loans was in the process of forgiveness and no action needs to be taken so why is my loan increasing dropping my score?
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC (CO)

I am a XXXX XXXX  with XXXX XXXX XXXX. My account has been under investigation for chargers I did not authorize. This investigation has been going on for close to 3 years. Recently I received some money from my school and I can not get this money because bank mobile is holding it for security reasons. I understand their concern. My issue is that I always call bank mobile asking for an update and each time Im always told that they will send me an email which most times I never get. I feel like they cant solve my problem so I want them to take the hold off my account so I can get what Im owed. About last week I received an email from bank mobile saying my access to my account was still restricted but in the same XXXX minutes got another email saying they took all the holds off my account and I now have full access. Called them and was yelled at by a supervisor named XXXX. He said my account is still locked because they only completed one case on my account. Then why and who sent the email? Was that a mistake on their end, were they lying or trying to calm me down for a minute. It seems to me this bank is unfit to provide accurate information to their customers. I was told they would call me back in XXXX hours, its a new week and no update and no calls. I feel like bank Mobile isnt trying to solve my issue and just want to hold my money as many other students have this same issue with them. I filed a complaint with another company and bank XXXX told them the reason they cant solve my case is because I never filed paper work which is true but then how come when I call thats never the reason why. They always say they will send an escalation to their higher ups and send me an email which they NEVER DO!! I want my money and I want it now stop the whole investigation what they can solve is giving me access to my account. They know its me calling them they know its me so why cant I just get access to get my money all I need to do is change my bank information. Any other bank would have been had this issue resolved.
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (NC)

I am writing you FOR THE XXXX TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. 
I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. IF YOU CAN NOT PRODOCE THESE DOCUMENTS Please DELETE these Inquires from - XXXX XXXX - XXXXXXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX XXXX XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is XXXX XXXX XXXX please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.
Consumer complaint received 2023-11-15
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-11-02
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. (PA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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. (VA)

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 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (NV)

Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. NAVY FEDERAL CR UNION XXXX and NAVY FEDERAL CR UNION XXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I do not consent to an electronic communications. I request all responses be in writing throughtheusps I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (FL)

There is an account on my credit report from XXXX XXXX. I never opened an account with XXXX XXXX. After speaking with someone when they attempted to collect, I was told this was a conversion from a XXXX XXXXXXXX Card that I had for XXXX XXXX. This card had a {$0.00} balance on it when it moved from XXXX XXXX as it was never used, and the replacement card was apparently sent to my old address at which point a balance appeared. 

So I have no idea where the balance on the card came from as I never had the replacement card sent to me at an address I could receive it, I did not enrol the card in any sort of payment or online portal ( as I was told by collector was done ) or anything of the sort. In fact, I had no idea the issuer had even changed.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

There is no online option to transfer or withdraw or close my personal money market account with Citizens. I called and the only options they would offer me is to transfer the money to another Citizens account. I want my money withdrawn and account closed, not move it to another Citizens account. The XXXX link the provide is dormant. The rep on the phone was just outright rude and even disconnected me when I wouldn't provide him with another Citizens account number and just overall didn't listen to much of what I had to say. I have subsequently been locked out of my online account with no resolution to access it again.