davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I am an XXXX XXXXXXXX XXXX XXXX and XXXX XXXX  that has been having problems with Mohela. Ever since my student debt has transferred to them when I submitted my PSLF form back in XX/XX/2024. My prior servicer had approved a {$0.00} payment for the year, but when I was transferred to Mohela, they have refused to honor that previously approved payment plan. I have called them multiple times, sometimes being on hold for over six hours, and tried to fix this issue. Each time they have said they will work on the problem to get my previously approved payment plan back, but they have sent me repayment schedules that show I will owe a payment of {$230.00}. I have tried to request written confirmation that they will fix this issue but was left on hold and eventually hung up on. I am tired of them not honoring a previously approved payment plan, having to call them multiple times only to be lied to, and for not being able to get anywhere on fixing this issue. I am at a loss at what to do at this point.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I filed claim # XXXX for {$420.00} with Bank of America on XXXX I was told the merchant had 45 days to reply I spoke to the merchant several times to no satisfaction I sent the merchant a picture of the reason for the complaint on XXXX The merchant then responded via text that the money was removed from their account and my request was granted. 
I then reached out to Bank of America several times even going into the branch 3 times to get no results. 
I went into the bank again on XXXX and faxed to them a copy of the text thread stating what the merchant said above On XXXX I called, they told me it was received but I still had to wait for fraud department to respond On XXXX I had appointment at the bank, the representative called and only got the same run around that I did Today XXXX, I still do not have my money or any updates. I am furious right now. I have done all I can on my behalf and still can not get a resolution.
Consumer complaint received 2023-04-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-03-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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 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 2024-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TN)

There was a lawsuit not long ago a clas action lawsuit against ally illegally repossession and they had a settlement agreement thay ally no longer will seek remain balance and deficiency and whatever fee and won't impose late charges and whatever hidden fee they can use and abusive us as a regular consumer and they are well known of those tactics practice and yet my account repo and wete told they will auction and will add all the other fee to u and expense whatever that get thru the car to auction and whatever remain balance on top thay why I was going thru many trouble in order to redeem the car back but if they had a settlement agreement to never seek any portion of the car remain balance and whatever fee on top they vlildate that agreement and use that practice on me that fraud and add many on extra fee and hidden fee on top of our loan that wouldn't allow in the first place giving false and they have many lawsuit of abuse tactics yet they still using on regular consumer like us while they know all the in and out to take advantage abuse thr loan and higher interests discrimination for consumer to receive fair equal opportunity
Consumer complaint received 2023-12-26
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. (TX)

I trust this letter finds you well. I am writing to express my deep concern and dissatisfaction with the numerous attempts I have made to correct an error on my credit report related to a late open account. Despite multiple requests, the issue persists, causing undue stress and negatively impacting my financial standing. 

Here is a summary of my attempts to address this matter : The continued presence of the late open account on my credit report is not only inaccurate but also unjustly affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring my commitment to resolving this matter promptly. 

I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open account entry on my credit report. 

Provide written confirmation once the correction has been successfully made. 

I understand the significance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/year> at Suncoast Credit Union address XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX I went inside to deposit cash into my Suncoast checking account when the bank teller told me there was a flag on my account and since i was depositing a large amount of cash ( {$800.00} ) she didn't want me to risk losing it so she cancelled the transaction and handed me the cash back. 
I told her my main goal was to have it submitted to my XXXX account would i be able to do that and she said i could go ahead and use the ATM outside the front building. 
I went to the ATM entered my XXXX debit card, entered my pin, it asked what service i wanted i said deposit it asked how much i said {$800.00} then i inserted the cash and as the machine was counting my money the screen said that the transaction has been cancelled and no money had been returned to me. 
I went inside and XXXX the bank teller at the time that was helping me was busy so the XXXX asked how she could help and i told her the situation and she told me to take my receipt and XXXX will dispute the funds and start their own investigation since i was using a XXXX debit card. 
I notified XXXX regarding the issue and they denied my request for XXXX reasons : First they could not find the attempted deposit in their system and second they don't have rights to start an investigation with XXXX because they are not affiliated with them. 
I have emails back and forth regarding my situation and when i spoke to XXXX XXXX and XXXX in person they both expressed their was nothing they could do. XXXX stated she does not have access to the ATM no has access to any of the auditing and did not offer to find a solution to return or credit my {$800.00}. 
XXXX stated she wrote her dispute team and back office and is waiting on a reply. 
Here is a link to XXXX 's dispute notice. For some reason i can't save it to load it as a document. 
https :XX/XX/XXXX
Consumer complaint received 2023-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (VA)

Subject : Dispute and Cease Unauthorized Use of Personal Spiritual Beliefs Dear Sir/Madam, I hope this letter finds you well. I am writing to address a matter of extreme importance and urgency regarding the unauthorized use of my personal information for financial gain. It has come to my attention that you have been utilizing my personal information, particularly my spiritual beliefs, without my consent and in a manner that has resulted in monetary gain for you or your organization. 

First and foremost, I would like to clarify that my spiritual beliefs and the state of my soul are deeply personal and private matters. As such, any usage or dissemination of these aspects of my identity requires explicit permission from me. I would like to emphasize that I have never granted you or anyone associated with you the right to use my spiritual beliefs for any purpose, let alone profiting from them. 

According to the information at my disposal, it appears that you have been using my spiritual beliefs in a commercial and monetary context. Such unauthorized exploitation is not only ethically objectionable but also legally prohibited. I am hereby notifying you that your actions are in direct violation of my rights as an individual and are subject to severe penalties under applicable laws. 

As the unauthorized use of my personal information carries significant consequences, I demand that you immediately cease and desist from using my spiritual beliefs, or any other personal information, without my explicit consent. Furthermore, you are required to provide a written statement within seven ( 7 ) days from the date of receipt of this letter confirming that you have complied with my demand and ceased all unauthorized usage of my personal information.

I wish to remind you that unauthorized use of personal information is a breach of privacy and may cause significant harm to me, including financial, emotional, and reputational damage. Should you fail to comply with this demand, I will have no choice but to take legal action against you to seek compensation for the damages incurred. Please be aware that the misuse of personal information can result in significant financial penalties, including a fine of {$250000.00} for each instance of unauthorized use.

Considering the seriousness of this matter, I trust that you will give due consideration to my concerns and take immediate action to rectify the situation. Kindly provide a written response within fourteen ( 14 ) days from the date of this letter, confirming that you have ceased the unauthorized use of my personal information and will refrain from any further misconduct.

Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. Should you require any additional information or have any further questions, please do not hesitate to contact me using the information provided above.
Consumer complaint received 2023-12-04
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)

On the date XX/XX/2023 someone applied for a XXXX XXXX XXXX. I called the company they said someone did apply with my name and Social Security but the wrong address. 
XXXX XXXX on XX/XX/XXXX XXXX applied for a credit card. No action by me or the company XXXX XXXX XXXX XXXX  XX/XX/2023 someone applied for a credit card No action by me or company.
Consumer complaint received 2024-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OK)

I have submitted an application through XXXX under the total and permanent XXXX ( TPD ) via the department of veterans affairs. I am 100 % TPD. XXXX has processed my application and provided the final decision from the Department of Education on XX/XX/year>. They also told me that an electronic copy was sent to Mohela my loan servicer to process the discharge. The letter was dated XX/XX/year>. I have been unable to get a correct answer from Mohela. Everyone I talked to on the phone has been giving me the run around. I have not gotten a straight answer from Mohela. I have written and called on multiple occasions and I still do not have the correct answer to what happens next since I was approved by Department XXXX XXXX to have my loan be completely XXXX. I have been placed or forbearance until XX/XX/year>. I am afraid that Mohela is holding on discharging my loans as authorized by XXXX of XXXX in order for them to continue to collect on the loan. I have reached out to Mohela on numerous occasions but I get the same answer that they were not notified by XXXX. I have letter to prove otherwise. It has been over 90 days and I still do not know what my next step is. XXXX says to contact Mohela and Mohela tells me to contact XXXX. I am in the middle being pulled by both departments. My complaint is on Mohela. XXXX did its part. Mohela is the company not proceeding with their obligations to complete my loan XXXX as directed by law.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (HI)

I initiated a transaction using my financial institution 's web portal XXXX XXXX XXXX XXXX XXXX ) to pay off my XXXXXXXX XXXX issued Bank of Hawaii XXXXXXXX XXXX XXXX credit card bill. 
I inadvertently selected the incorrect 'from ' account, and the transfer could not take place due to insufficient funds. 
A few days later, on XX/XX/XXXX, I was charged {$29.00} separately by both the bank and the credit card company ; paying nearly {$60.00} for a very simple error on my part which in no way could have generated a similar loss or cost for those institutions. My account is not overdue, late or otherwise compromised, and I always pay it off in entirety each month. 

I called both my bank and XXXX, explained that their costs to attempt the ACH could not have been {$29.00} and requested a refund, a request they both declined. 

I feel as if this fee is malicious, petty and unnecessarily high. 

To make matters worse, their customer service centers each put me on several long phone holds and wasted over an hour of my time when I called to attempt resolution. My time is valuable, and this additional cost of my time is not trivial.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I disputed the error in my Experian credit report and despite providing evidence that the debt was previously settled, Experian is still not correcting the error. Section 611b of the Fair Credit Reporting Act ( FCRA ) entitles me to add a statement ( 100 words or less ) to my file giving my version of the dispute so I demand that Experian add this to my file under the erroneous information.
Consumer complaint received 2024-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I paid off my student loans in XX/XX/year> and Moehla keeps contacting me for payment. ( See paid in full letter attached. ) I have been calling and writing in for 2 years trying to rectify this and they hang up and do not respond. I am scheduled to make payments next month on a loan that is already paid off.
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (TX)

I have certified statements from the loan servicers Seterus ( represented XXXX XXXX ) and XXXX XXXX XXXX that show payments reversed and held in suspense, Accounting records supplied by XXXX prove payments backdated and not applied to the old loan and never credited to modified note. I have proof of claims filed in Bankruptcy cases, two years apart that shoe the loan Backdated by XXXX starting date of XX/XX/XXXX in the XXXX filing and further backdated to XX/XX/XXXX in XXXX filing. I have letter from XXXX XXXX legal dept that shows the original loan sold for {$55000.00}. in XX/XX/XXXX and the modified loan per Seterus shows {$100000.00}. that was presented on XX/XX/XXXX but I didn't sign until XX/XX/XXXX after being threatened with foreclosure but Seterus did not sign until it was sold by XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (GA)

There are items on my credit report that is not correct. I need these items to be removed from my report. I did not apply nor did i live at these addresses listed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX inquires that is on my credit that i did not do. 
factual data XX/XX/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 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC (OH)

Concora Credit bought out Genesis. They advertise that you qualify BASED ON THE INFORMATION THEY HAVE not to mention they hit your credit with a hard inquiry immediately. They then ask you to send extremely sensitive information by Fax or by Mail. 

No one is sending copies of these things. We use this card to continue building credit on MY end. My husband has been helping with having me as an authorized user, but we can not in good faith send a copy of my sensitive information when I already have a card with the SAME COMPANY and they have yet to send a card since my previous one expired.
Consumer complaint received 2024-04-22
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. (CA)

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent accounts continue to appear on my credit report. Upon discovering this fraudulent account, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the accounts remains on my credit report, causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into this matter and immediately remove these fraudulent accounts from my credit report. The continued presence of these fraudulent accounts are unwarranted and damaging to my credit standing. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am not liable for this debt with XXXX, XXXX, XXXX XXXX. I do not have a contract with any of these companies, and they not provide me with the original contract as requested.
Consumer complaint received 2023-03-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Please See Attached Documents 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . 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. 

You are PROHIBITED BY LAW to furnish accurate information. I demand you to CEASE and DECEASE of this inaccurate information immediately. 
You are hereby put on notice you have been reporting inaccurate information. 
15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The lender must file a 1099-c and you a copy of the debt if more than XXXX $ and the lender is a federal institution, credit union, and government agency . Please send me my form 1099 c that they should of sent you that they filed as cancelled debt.
Consumer complaint received 2024-03-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX )