davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I have been waiting for my PSLF overpayment refund since XXXX  ( almost 8 months ). Mohela 's policy is to process refund within 90 calendar days. Mohela has had payment history in their from my prior servicer ( XXXX  ) in its system since XXXX. 

Prior Consumer Protection Bureau complaint ( submitted XX/XX/XXXX  ) Complaint ID XXXX Mohela responded in their portal : " Our records indicate, that there are no pending refunds at this time. '' Prior FSA complaint ( filed XXXX  ) XXXX  Case # XXXX As recently as XXXX XXXX, XXXX  " MOHELA is missing the financial histories from XXXX. We can confirm a request has been submitted to obtain the financial histories from XXXX. Prior servicing refunds typically take 60-90 business days when MOHELA has the prior servicing records. '' This is not the case, according to their own records, Mohela has my Advantage payment history. There is currently an XXXX  refund request in progress as of XXXX XXXX, XXXX  ( reference # XXXX ). 

Furthermore, Mohela violated the California Student Loan Servicing Act by failing to process and furnish a complete loan servicer payment history ( requested XX/XX/XXXX  ). This request was canceled inexplicably. 

Mohela should expedite my XXXX  review and immediately request the U.S. Treasury Dpt. to refund the overpayment amount due ( approx. {$7100.00} based on the balance increase I saw before my loans XXXX  out ).
Consumer complaint received 2023-12-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: SECURITY SERVICE FEDERAL CREDIT UNION (NY)

The identify verification information being used by Security Services Federal Credit Union is not correct and is prohibiting the correct verification of my identity. This problem is not unique to SSFCU. It has occurred with several banks because they because their source information, presumably procured by the credit rating agencies, is not correct. My credit information is often confused with my father 's information. I have tried to disentangle this with the credit rating agencies before with limited success. I am currently trying to open a CD with SSFCU and keep getting asked identity information about my father. I am therefore required to answer information about my father to verify my own identity. Even when I try to correctly answer all questions, some information I simply don't know, like the color of the car he bought before I was born. This is a system problem that needs to be fixed, but neither the credit rating agencies procuring the information, nor the credit union using it, are willing to take the effort to fix it.
Consumer complaint received 2023-12-06
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. (NY)

XXXX  I submitted a new application to change my repayment plan to the SAVE plan. 
XXXX  Aidvantage said my application was received and there was nothing I had to do because I have consent for them to access my information from the IRS. 

XX/XX/XXXX I receive an email and document for a change in loan terms however it was the original plan I was on with no explanation on my SAVE repayment application. 

I applied for SAVE again XXXX XXXXhey confirmed application was received XXXX XXXX they send another change in loan terms email that AGAIN is the original repayment plan I was on, not the SAVE plan. 
I have called multiple times with crazy hold times and sent an email on XX/XX/XXXX with no response
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (TX)

I sent Experian a letter asking why was my XXXX XXXX XXXX points lower than other credit bureaus? They refused to respond sent me an email when I requested a response by mail. They sent me an email requesting my identification driver 's license and electric bill. 
Now ask yourself how have they been posting my score to the public for years if the don't really know who I am? There are 4 major credit bureaus ( CB ) and scores very which one is right? A doctor or hospital could not make sound decisions for a procedure or treatment if blood work or x-rays came back with XXXX-4 different scenarios. Or a US military commander make a sound decision for a vital mission with 3-4 different scenarios. It can't be done for a successful outcome. People treat the CB like the Bible they are completely fallible too or there would not be a {$6.00} XXXX dollar industry of law firms that all they do is sue CB 's and credit repair companies. 
My main question is why is Experian so evasive so far off than other CB '? Experian openly admits they get their info from other CB 's They are a marketing company not a CB company offering you more credit cards personal loans car insurance that is a conflict of interest. 
Experian post my score at XXXX for months with no change when other CB 's have my score a XXXX XXXX. They all all use the same credit XXXX Which one is right. Please help the people Experian is running a scam a form of a Ponzi game.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 states that I have the right to privacy.

Additionally, 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish information about my account without my written instructions. Which I have not given Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation (PA)

XXXX XXXX i called XXXX XXXX XXXX  .This is when my car broke down other one. I was lied about cost of repairs .Picked car up my XXXX took it to my storage, Until my garage man came back from vacation. XXXX XXXX XXXX said it was timeing belt. Tried to tell me head needed fixed, Then said it may need a new motor. Looked on line .I knew it wasnt that. Garage charged me to look at it .I got it towed to my storage unit. Until my garage got back Then towed it to his garage, In mean time i had no car, Was not sure on cost etc. I was settling on my home. Needed a car to move etc. I called XXXX XXXX up .They told me about this XXXX XXXX XXXX. They even picked me up. I thought my interest was going to be 15 percent instead was higher, Then when i finally got other car back .Found out it was a fuel pump. I got it towed home. Thought it wasnt running.Was told this XXXX tow charge. XXXX  would not tow again.It would of been my XXXX tow, They said i could only call in 4 times. One time i got locked out of my car. They said that counts. I have always paid for XXXXXXXX XXXX Does not state you only are allowed 4 calls. Any ways tow man said why did you get it towed, I told him it doesnt run. He said it did and showed me. When we lifted hold. Parts were off bolts etc. I called first garage he said he didnt do it .My guy said he didnt do it. Any ways my son fixed one part. When i found out it ran .I took it back to my garage insp/ emission/ oil change pipe repair also he put on lost bolts. I could not afford car payment insurance on 2 cars. Kept insurance on old car until i just sold it. Any ways i called members first my bank to refinance. Was turned down. I sai d why yjey told me .My car is worth XXXX my miles are now XXXX something sold to me XXXX  ask them why they wont refinance, They said my car is not worth that amount. Theloan is XXXX .They got vaule from XXXX first got this vaule .I went into shock. I did get a XXXX warrenty. I calledXXXX XXXX. They gave me run down.I ask them if that vaule wasnt on that car, How did i get the loan .Was told they help people out. Their credit etc .I pay my bills worked hard to built credit was shocked for the loan rate i did get. But my hands were tied .I needed something to drive. I dont understand how i got that loan .If that car wasnt vauled at that. Thank you
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

We received a charge for a returned payment of XXXX on XX/XX/XXXX. This was from a check dated XX/XX/XXXX. Our account has already been charged XXXX for that check on XX/XX/XXXX. We should not be receiving that charge again on XX/XX/XXXX. I tried calling and speaking with representatives all them said they checked into it and have no information other than the check was returned and to check with the bank. We did this back in XXXX which is why we were already charged for the returned check then. This is a duplicate charge and needs to be credited for XX/XX/XXXX.
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. (TX)

Dear To Whom it May Concern, On numerous occasions I have disputed the validity of accounts that are inaccurately reporting on my credit profile.

Specifically there are three accounts under the account name of " XXXX XXXX '' being reported on my Experian credit report. I have disputed those accounts on numerous occasions as the information that is being reported is inaccurate. Both of the other major credit reporting agencies have done their investigations and removed the account as their finding aligned with mine saying the account did not belong to me nor should be reported on my credit profile. 

To my knowledge, under the FCRA I as a consumer have the right to a 100 % accurate credit profile across all credit agencies reporting on my behalf. My credit profile can not be accurate when Experian is falsely reporting accounts that negatively depict my credit worthiness and the other two major CRA 's are not reporting said inaccuracies. 

This situation has been causing an immense amount of stress both financially and mentally on my life and I am requesting that this error be corrected immediately.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Your payout has failed We've canceled your XX/XX/2023 withdrawal of USD {$8900.00}. 
Common causes of a failed withdrawal : Chase XXXX Payments Your account has been closed Unfortunately, we can no longer support your business and we'll need to cancel any pending payments. 

Because your account is susceptible to a high chargeback or dispute rate, we have to put your remaining balance into reserves for a minimum of 30 days. If your balance goes negative, we'll recover those funds from your bank account. For full details, you can read our Terms of Service : XXXX XXXX XXXX 

Thank you for understanding and we apologize that we couldn't offer a better solution. 

The admin name on the account is not the name on the bank account. For security reasons, the financial admin must match the name of the account we're sending money to. 
The bank account number is invalid or mistyped. 
The routing number is incorrect. Some banks use a different routing number than the one printed on your checks for electronic ACH transfers. We recommend contacting your bank to verify the correct number to use. 
If you've already entered in new bank account information, we will initiate a new transfer of funds as soon as possible. We typically allow XXXX business days for transactions like this to complete. 

If you need any help, or have any questions, let us know by responding directly to this email.
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

I keep receiving repayment notices ( via email ) saying I owe them a payment. Due to the fact that my loans are from XXXX XXXX XXXX, I am a part of the Sweet vs. Cardona lawsuit, and the Presidents request in XXXX that all predatory loans from closed schools be discharged, I shouldn't have any payments due. My loans were automatically put into forbearance until XXXX, I have not heard from Mohela that this has been changed, and if it has, why?
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

I am XXXX and can not read or write as I am severely dyslexic. I lived with my mother who passed away. A man known through my half brother named XXXX XXXX happened to own a business XXXX and suddenly took an interest in helping my garage shop neighborhood means of not much money but enough of repairing anything from lawnmowers to cars for those who know me in my area. He convinced me that I could be given a grant by the government for being XXXX to grow my shop and have a real shop and be able to bring in more customers. He promised to handle everything for me because he cared. He ended up getting a Small business XXXX covid loan in my name and I now know he put me as a caterer. He quickly vanished and I repeatedly called the bank PNC to ask if my money over {$21000.00} had come and why I was never getting a card or statement or anything. They repeatedly told me I received every card and would not answer anything because he changed the answers to questions and address and phone on me. I went there as I got really worried and the woman was very rude and printed me out all of his withdraws under his name and company name leaving the account at nothing fast. She just said someone would call me and walked away. PNC knew I was XXXX  and XXXX from the day I opened the account I told them. All of my many concerned calls begging them to freeze my account and not let anyone take money out were ignored. I have now reported him and them to the FTC and SBA for scamming the government and exploiting a elderly XXXX man out of a secure financial future.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (UT)

My XXXX loans were put on the SAVE plan a few months ago, meaning my monthly payment would be {$0.00}. However, I had to consolidate my loans. I did that through studentaid.gov, applied for loan consolidation and made sure that I specified that it needed to have the SAVE plan applied to it after the consolidation was done. However, when the consolidation went through, MOHELA completely deleted the SAVE plan from my account, disregarding my previously applied SAVE plan as well as the SAVE plan that should have been applied to my loans when the consolidation finished, resulting in me now accruing interest that I would not otherwise be accruing on the SAVE plan, as well as having a $ XXXX  monthly payment for a loan I already got the approval for reducing with the Income-Driven Repayment plan. I attempting to contact MOHELA about this issue but have received nothing but silence back.
Consumer complaint received 2023-09-20
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VYSTAR CREDIT UNION (FL)

I am a consumer as defined under 15 USC 1602 ( i ). Upon reviewing my credit report, I noticed VYSTAR CREDIT UNION furnished the following information to my consumer report and it is invading my right to privacy. 
*Vystar Open XX/XX/ Account # : XXXX Amount : XXXX I DO NOT AND DID NOT consent to the furnishing of this information. I am aware that I have the right to privacy of my non-public personal information under 15 U.S.C. 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by your company to neither CRS 's ( XXXX, XXXX, and XXXX ). 

VYSTAR CREDIT UNION did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not allowed to opt out of the disclosure of my nonpublic information and I wasn't given any directions on how to exercise my right to opt out of said disclosure of non-public information under U.S. Code subsection 6802 ( b ) ( a ) ( A ) ( B ) ( C ). VYSTAR CREDIT UNION violates 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

This is a notice to CEASE and DESIST all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by VYSTAR CREDIT UNION for the account opened ( XX/XX/ ). 

With Prejudice By : XXXX XXXX XXXXXXXX ALL NATURAL INALIENABLE RIGHTS RESERVED
Consumer complaint received 2023-09-20
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. (NY)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I received a copy of my credit profile just recently there were accounts, addresses, employment information, and several different phone numbers I did not recognize. I first did a police report also a FTC report to report I was a victim of identity theft. Then, I sent the information to all XXXX credit bureaus. I was told I had to dispute this account which I did and each time it comes back saying verified. Then I started asking how is this account being verified if this is not mine? With no response back just each time verified. Each time I'm sending in a debt validation letter with no response other then this document that I've enclosed.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Dear Sir or Madam, I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 
Identify item ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.