davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

Either Synchrony Bank or XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX And Synchrony XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX are reporting a debt of {$600.00} owed. When I sent letters to validate, called to get more information and tried to contact you to make arrangements to take care of this obligation and to have it removed from all three credit bureaus with no response, not even to validate. I have never received communication about this in writing upon request.

I would like something in writing that shares how you would be willing to delete this negative account from my three credit bureaus if paid in full. 
Please send it to me via email preferably to XXXX or by mail. This negative mark on my credit report is causing my credit to decrease, and I am trying very hard to qualify for a home. Please give this matter the attention it deserves. I believe that if you are to make negative marks on my credit reports that you should also be amendable to making arrangements to address the matter and remove the damaging marks for the three credit reports. 
Please get back to me as soon as you can. I am also sharing this with the Consumer Financial Protection Bureau to investigate as I believe that is your responsibility to work with the consumer and not ignore attempts to rectify the situation. 
When I spoke with your representative XXXX at XXXX ( XX/XX/XXXX ) I was reaching out to try and work on negotiation the payment and removal and he shared that the account was no longer valid. Yet, it still reports on all three credit bureaus. 
I spoke with XXXX on XX/XX/XXXX and he shared that the only accounts I have open at this time are the ( XXXX ) XXXX and XXXX XXXX in good standing and he only had listed no balance on both of those accounts. He mentioned a XXXX and XXXX XXXX but did not share an account number or was willing to make any arrangement for an account that did not exist. He stated that the Date for XXXX was XX/XX/XXXX. As I look at my credit report, this seems to be the obligation that is lingering and your company will not address it with me, will not validate, will not communicate on the obligation and will not return letters wanting to work together to have it settled, paid and removed. 
Please contact me ASAP upon receipt of this letter. I believe that it is not within your right to ignore my attempts to try to work on solutions to this issue. 
Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AZ)

Some suspicious activity happened on XXXX XXXX XXXX Someone applied Chase credit card and XXXX XXXX XXXX XXXX without my knowledge and they both got denied and after 2 days when I looked the letter from Chase bank and XXXX credit bureau report, there was an hard enquiry for the credit card application. So, I have reported this suspicious fraud identity theft activity to Chase bank, XXXX credit bureau and XXXX XXXX XXXX  on the same. Now, after reporting to them, they have cancelled the application as a suspicious fraud activity.
Consumer complaint received 2024-04-17
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2024-04-17
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)

Upon reviewing my credit report, I discovered inaccuracies in some of the information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that XXXX and XXXX authenticate this account. It is imperative that this reporting account not be treated as unconfirmed information without providing evidence within the legal timeframe. Please investigate the unverifiable account outlined below as per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) : XXXX XXXX  XXXX XXXX XXXX : {$370000.00}
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I sent a dispute letter on XX/XX/XXXX asking why they are reporting incorrect information on my credit report. It shows 1 late payment on my report which is incorrect and I confirmed this with my lending company. The company Equifax responded by saying the confirmed that its is correct. I asked them how are the confirming this with lending company without my consent and provide proof on how the investigation was conducted. Under the Fair Credit Reporting Act laws. They reported my account as late for the month of XX/XX/22 & XX/XX/22. They updated XX/XX/22 and left XX/XX/22 as still showing late. This is an error in there end.
Consumer complaint received 2023-11-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

OnXX/XX/XXXX, I sent the following message to MOHELA, and as ofXX/XX/XXXX, MOHELA has not responded to my request for information : " Hello, I received conflicting information from MOHELA about the status of my repayment. I got a letter in the mail on XX/XX/, which said my repayment under XXXX was correctly recalculated to {$200.00} and my initial repayment was due on XX/XX/ Also, under my online PSLF payment tracker it shows that XX/XX/ was not an eligible month that counts toward my PSLF payment count. 

However, my online account has this message posted by MOHELA : 'We are in the process of updating your account. For some or all of your loans, you will not be due for payment until afteXXXX XXXX XXXX, and your interest rate will be adjusted to 0 % through an anticipated end date of XX/XX/. The months from XXXX through XXXX XXXX will count toward income-driven repayment forgiveness and Public Service Loan Forgiveness [ PSLF ], assuming all other requirements are met. Please allow up to 30 days for the updates to be completed. We appreciate your patience and will notify you after your account has been updated. ' I need clarification on whether my initial repayment of {$200.00} is due on XX/XX/, or whether my repayment will not start until after XX/XX/. And please confirm that all months from XX/XX/ through XXXX XXXX  will count toward PSLF. Thank you. 

Sincerely, [ XXXX and XXXX XXXX ] ''
Consumer complaint received 2024-01-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (TX)

Received a debt collection notice in the mail with the attempt to collect {>= $1,000,000}. The attempt to collect debt owed to XXXX XXXX. I did not have an account with XXXX this is the result of identity debt.
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report, I discovered inaccuracies in some of the information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that XXXX  and TransUnion authenticate this account. It is imperative that this reporting account not be treated as unconfirmed information without providing evidence within the legal timeframe. Please investigate the unverifiable account outlined below as per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) : XXXX XXXX  XXXX XXXX XXXX : {$370000.00}
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (OH)

I DEMAND RELIEF AND REMEDY! I WANT THIS OFF MY CREDIT REPORT AND RELIEF MONEY AS WELL AS THIS COMPANY TO BE HELD ACCOUNTABLE FOR IMPROPERLY NOTIFYING OF SUEING ME. ILLEGALLY PURCHASING DEBT ASKING FOR INCREASED FUNDS THAT INCCURED INTEREST. NOT HAVING ANYTHING SIGNED FROM ME IN THEIR DATABASE. MULTIPLE FALSE ACCOUNTS CONTAINING MY INFORMATION!
Consumer complaint received 2023-11-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I purchased a vehicle from Toyota within three days. I had a major malfunction, and when I took the car immediately back to the dealer, they told me that I had to take a rental, and that they would fix the problem service called me and told me that they could not legally allow me to drive that car because it had an engine issue so I called the car dealership and I told them that I needed a vehicle. I needed them to correct the situation because they sold me a lemon or I was going to get my lawyer involved Two weeks goes by they called me in to the car dealership. They tell me theyre going to make the situation better and theyre going to fix it. They waste my time the first time the second time I come back and they told me that they were going to get me a new vehicle because again the first vehicle that they had sold me and did a loan on and all of that had a major engine issue and I could not have that vehicle so in order for them not to have to deal with a long drawn out legal process they were going to get me in another vehicle. I wanted to make sure that the vehicle that they got me in came with the same warranty as the first contract because the XXXXst vehicle that I purchased from Toyota had a two-year warranty. They assured me that it did the only difference and this new contract was that I was going to have to get gap insurance because it was a newer car well lets go to three months and after that, Ive had my car for three months and then I get a call from Toyota in XXXX is now telling me that I have to add a {$200.00} a month warranty to my vehicle Because they lied when they got me in the the second contract and never had a warranty on it to begin with so now they want my already high car payment to go up {$200.00} a month and I cant afford that so I let them know when I went to the car dealership what my budget was it wasnt my fault that they sold me a bad vehicle when I came back to figure out if I needed to pursue legal action .They assured me they would fix the situation sold me a vehicle and lied about the warranty the 2nd vehicle they sold without the warranty I was told and assured my used vehicle would come with They continue to try to XXXX me over. three months down the line by demanding I come up with like a {$3000.00} for a warranty or an additional {$200.00} a month but I can not afford. Ive called Toyota Ive called corporate. Ive called the car dealership they have service call me and explain to me that I dont have a warranty and that I need to go ahead and establish that I dont know who else to complain too. I wouldnt of agreed to a car note and warranty note I can not afford and then I have no one to complain or help fix this situation at Toyota
Consumer complaint received 2023-11-21
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. (TX)

I have all of my student loans with Aidvantage. On XX/XX/XXXX I signed up for Auto pay and received an email confirming that they had received my auto pay request. Then on XX/XX/XXXX I submitted a payment of {$500.00} to pay for my balance and some extra principal interest. I received an email stating " This email serves as confirmation of your payment. Please save for your records. 

Payment Confirmation # : XXXX Amount : {$500.00} Scheduled for : XX/XX/XXXX '' Then on XX/XX/XXXX I received a separate email stating : " Your recent payment has posted. 

Date Posted : XX/XX/XXXX Payment Amount : {$500.00} '' I then went on to receive XXXX emails redirecting me to my inbox with letters stating that my payments were rejected. " Your recent payment in the amount of $ XXXX was rejected by your bank because : NO ACCOUNT / UNABLE TO LOCATE ACCOUNT " So I submitted another payment for {$500.00} and the same cycle of events happened. I then called the number listed on their website ad spoke with a representative. They notified me that their system was experiencing difficulties and that they may have issues on their end. They suggested that I try submitting the payment again. So I did submit another payment and it still got reversed.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

MOHELA will not respond to secure messages. They will not complete their work. They will not put me in the correct kind of forbearance while they finish their work. For 4 months I have been trying to work with them and nothing. Finally they sent a bill, which is absolutely incorrect in every possible way. 

I need help making them do what they are supposed to do. I just need help, they won't help me... I keep reporting this to XXXX, they either can't or won't help, and now I'm really just getting tired of this situation. 

The answer can not be " Well call a CSR on the Phone '' no, sirree it can not be. I have neither the time, nor the inclination to sit on hours long holds only to either be disconnected or to be given incorrect information that can not then be referenced easily, later. 

I just need help and no one seems to care enough about my situation to assist including the DoEd and MOHELA.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WV)

On XX/XX/2023, I called them to ask why my payments had gone up {$110.00} after applying for the SAVE program. They were unable to explain why so they put me on a forbearance until it could be resolved. I continued to try calling after I was not receiving answers and even sent a message through the portal to ask what was happening on XX/XX/2023. Still, I received no response. On XX/XX/2023, I received an email that my payments would resume and there was no change to how much they were. I received no information on how this decision came to be and have been unable to reach their customer service as they have wait times that are hours long. This is absolutely atrocious and after dealing with this, it does not feel fair to have to try and figure this out or pay a monthly payment that I am positive is not correct.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

Every time I apply for a synchrony bank credit card I always receive the same decline response application as a risk factors that caused us to be on sure of your identity. Or unable to verify identity. This is synchrony banks, job to call me and verify the application it is not fair that I am using my inquiry to apply for credit with my credit score being in the 700s debt to income, low and income high for you to decline me for such frivolous purpose. I am including a copy of my drivers license, state ID card, Social Security card, and letter to verify that this is me I need for you to reconsider this application.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

I was on IDR prior to my loan being transferred to MOHELA. I received an email from my prior servicer that there was no need to recertify and that my payment was approximately {$860.00} a month. 

After transferring to MOHELA they said I needed to pay about {$2000.00} a month which I can not afford. I tried to fill out an application to switch to another plan with lower payments on XX/XX/. They have still not processed it. They put only some of my loans on administrative forbearance and I still had to make monthly payments of about {$370.00} for two months then they put the remaining loans on forbearance and it was showing a {$0.00} payment due. Just now I checked and it is showing {$2000.00} due on XXXX. I can not afford this but I can not afford to miss a payment because I am only a few months done from PSLF. 

Anything you can do to either reinstate the forbearance or get them to process the RePAYE application would be appreciated. Thank you so much.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
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. (MD)

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 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

Mohela has given me the runaround on the XXXX program. I contacted them at least a year and a half ago to see what my eligibility was when XXXX XXXX opened up the program and they began processing my student loans. Having worked at a XXXX XXXX non-profit since XXXX, I qualified for the program and in XX/XX/XXXX they verified XXXX out of XXXX qualifying payments. 

The tally sat at XXXX for months despite qualifying payments racking up on the Mohela website, lacking only certification of my employment. At that point, I followed up and was told it just took time to process. 

After not seeing any progress or hearing any updates from them, I called back again to check on it and this time was told I needed to resubmit the paperwork to verify that my employment hadn't changed. Despite the inconvenience in having to go back to my supervisor to get her signature again, I did so and uploaded the signed form to their website. 

It's now been XXXX months since I resubmitted the paperwork, but they started sending me notifications that I needed to start paying my student loans again, all of which should be completely forgiven. I called again to see why my employment still hadn't been certified and was told it was because they couldn't accept a digital signature from my employer, which they never bothered to relay after I submitted it. So now I'm forced to go back to my employer yet again to either have her physically sign a document that will hopefully be accepted or sign up for the XXXX help tool so it can be done digitally. 

These unnecessary obstacles seemed designed to wear down borrowers, making people so tired of jumping through hoops that they simply give up and make payments they don't need to make out of sheer exhaustion and fear of being dinged on their credit. It's unacceptable, unscrupulous, and I believe intentional. It should be simple to verify the place of employment for those with student loans. 

Rather than getting relief from inherently predatory loans designed to keep people shackled to them for decades, I and many others in the same boat have simply been rerouted to what appears to be another predatory lender. Instead of acting in good faith to carry out what the current administration required, Mohela has opted to use shady business practices to wait until student loan payments resumed in hopes they could siphon more money out of borrowers ' pockets. 

If Mohela is unwilling or unable to comply with the edict to give borrowers the prescribed relief, perhaps they shouldn't be in the student loan business.
Consumer complaint received 2023-09-01
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)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$520.00} XXXX XXXX  XXXX Balance : {$3800.00}.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I have loans through MOHELA. During the month of XXXX, my loans were put on backdated forbearance as a result of government sanctions. This forbearance was placed on XX/XX/, a day after to my initial payment ( XX/XX/XXXX  ) which was twice ( {$900.00} ) what I should pay ( {$430.00} ) on the SAVE plan. There is minimal documentation of how to see this forbearance period and how it impacts my payment. I called today to try and speak to someone about getting refunded for my payment if I was indeed in forbearance. I waited on hold for 45 minutes and when someone answered, the call failed. When I attempted to call back, the wait time was over two hours. I believe that the customer service failed the call to cycle through calls and avoid speaking with me. This type of customer service should not be allowed and actively punished.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

I have enrolled all three of my loans in auto debit. My payment of XXXX should be withdrawn on the XXXX of each month. For XXXX it still hasnt been withdrawn and Im now showing past due. I should also be getting a .25 % interest rate reduction which Im not. 
In addition I submitted my yearly PSLF paperwork XXXX and have not received any updates. 
How many times do people have to continue to complain about this incompetent company before we get some kind of help!!
Consumer complaint received 2024-02-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

I had a car loan and checking account with XXXX XXXX during the time they were taking customers money I received a check for {$100.00} plus dollars but have never been paid back for car loan that was being over charged. And taking my money? I was told I would b receiving more but I still have not