davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AMERICA FIRST FEDERAL CREDIT UNION (KS)

Called AFCU several times as to why our XXXX XXXX could not retrieve our daily account balances for the past several weeks. These and other external accounts are normally updated daily on our XXXX account summary page. I finally got smarter ( used XXXX ) and this is what I found. I had suspected this since I had noticed a major software upgrade at America First. The first and second level employees had no idea. They do now as I told them what was happening I suspect they were mum on the issue as it could have caused a rush to CD/cash withdrawals. I had been manually checking our two highest account balances. Why keep customers in the dark? 


XXXX America First Credit Union XXXX America First Credit Union recently experienced fraudulent activity following a system upgrade. The credit union, also known as AmFirst, promptly initiated an investigation in collaboration with law enforcement1. During the weekend system upgrade, some members reported unauthorized withdrawals and charges on their accounts. However, rest assured that neither account information nor personal records were compromised during this process1. 

Here are the key points : System Upgrade : AmFirst implemented a system upgrade after nearly two years of planning. The goal was to enhance products and services for both in-person and online experiences1. 
Fraudulent Activity : Some members encountered issues during the upgrade, such as inability to access online banking and missing deposits. Additionally, unauthorized charges appeared on certain accounts1. 
Ongoing Investigation : AmFirst is actively investigating the reported fraudulent withdrawals and has shared findings with the appropriate authorities. They are committed to holding those responsible accountable1. 
Protecting Yourself : To safeguard your information and money, consider changing your passwords regularly and avoiding personal details in your passwords1. 
Remember, vigilance is essential in todays digital landscape. Stay informed and take necessary precautions to protect your financial well-being.
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NY)

I have already opened a complaint and they are sitting on a response. All they need to do is refund the monies owed for making me pay earlier than I was required. They have told multiple stories about what the status of my refund is. XXXX story was that they never processed the refund. The other story was that it was submitted to the treasury department and its out of their hands. I want to see proof that my refund has been issued if they allegedly submitted it to the treasury department. It should NOT take XXXX months to rectify this. Im owed over {$800.00} for payments I didnt have to make because they sent out a notice too soon. I held accountable for being late but they can take their sweet time? It is beyond unacceptable that theyre not held to any standard whatsoever. So Im filing another complaint because they are mishandling my current complaint and I have no recourse to find out the status other than to do this. I will not sit on the phone for XXXX plus hours waiting to talk to someone. Please! Just take care of this. Please reference complaint XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX and XXXX refuse to delete the XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX as the result of fraud. I contacted XXXX XXXX and they send letters directly to each credit bureau ; Experian, XXXX and XXXX XXXX. Experian deleted the entries. Attached is a supporting document from XXXX XXXX. 

Additionally, XXXX XXXX refuses to delete another inquiry XXXX XXXX dated XX/XX/XXXX. Experian failed to delete AMOUNT SMALL BUSINESS dated XX/XX/XXXX. 

I have called and sent multiple letters complaining about this and these bureaus continue to violate consumer laws as per the Fair Credit Reporting Act : 15 USC 1681i ( 5 ), USC 1681b ( 1 ), 15 USC 1681 - Right to privacy. and 15 USC 1681s-2 - Furnishing consumer information after reasonable cause to believe that said information is inaccurate. Section ( B ) - Reporting information after notice and confirmation of errors. Subsection ( i ) and ( ii )- Being notified by the consumer and that the information is in fact, inaccurate. 

These credit reporting agencies are a disgrace for constantly reporting inaccurate consumer information and manipulating the XXXX score by both antiquated algorithms and unproving AI technology.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (MI)

The company in question reports as a attorney on credit report with XXXX and also states that there is an open account that I have no knowledge of an open account with the company. Checking all my records to date all alleges accounts are in fact closed are reported as open.
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

Mohela has been a nightmare to deal with. First, they never notified me about the fact that I can request a refund for the payments that I have been making during COVID and then told me that I missed a deadline to request that and there was no way for me to do so now. Mohela, how am I supposed to know about a deadline to request something when you never notify me? 
Additionally, I recertified for IDR a couple of months ago to ensure I did it before the deadline. This, in turned, increased my loan amount to be repaid 2.5 times. Right before that deadline, Mohela decided that we do not need to recertify this year and can keep old payment. Well, since I actually recertified on time, Mohela is now making me pay the higher amount since " already did it. ''
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (GA)

I need my loans to come out of consolidation. I did the direct loan consolidation because it would update my payment count on all of my loans. I have two loans at XXXX and one loan at XXXX. On XX/XX/30 my counts will update to include forbearance as well as switch to Department of Ed. If the consolidation doesn't happen by then, I wont have an opportunity to update the payment count on the XXXX loan because the other 2 will be forgiven ( I was told the two that are XXXX have forbearance periods that will get added ). Please, please, please process my consolidation. Student Aid said its just waiting on Mohela to process it.
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (TX)

These accounts represents a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding these fraudulent accounts, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the institution 's actions have resulted in significant harm to my financial well-being. The account is : MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX XXXX MOHELA/XXXX XXXX XXXX XXXX MOHELA/XXXX XXXX XXXX XXXX MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX  XXXX, MOHELA/XXXX XXXX XXXX XXXXXXXX, MOHELA/XXXX XXXX XXXX  XXXX, MOHELA/XXXX XXXX XXXX XXXXXXXX XXXX MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELAXXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX XXXX MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX  XXXX, MOHELA/XXXX XXXX XXXX XXXXXXXX XXXX MOHELA/XXXX XXXX XXXX  XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXXXXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (TX)

West Lake Financial - call harassment The issue started around XXXX XXXX. I get calls starting at XXXX XXXX on weekdays, weekends, and holidays. I have done lots of troubleshooting by interviewing West Lake employees and supervisors. The employee said that they added me to the do not call list, but the problem persisted. I have spoken to various supervisors both nicely and very upset. I have confirmed that West Lake does not show my number in any of their systems so they can not add me to the do-not-call list. A supervisor on one of my sweet calls confirmed to me that they get lots of calls like mine of people upset because of continued calls at all times, but there is nothing they can do because they can not find an account or number so they lie telling them that they placed them and do not call list but calls continue. Since the calls continue, I pursue getting to the top of Werst Lake to inform them and try to get them to correct the problem. I successfully got in touch with XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been collaborating and asking them for help since XX/XX/XXXX. After pushing I have received acknowledgment from XXXX and XXXX. But said that they will look into this. After continued pushing and follow up they concluded that there is nothing they can do as they can not find the bug in their system that continues to call. 
XXXX XXXX said on XX/XX/XXXX, " We have searched all our records and do not show us calling your number. As previously stated, a customer of ours is forwarding our calls to your number. If you have an account number or name of the person we are trying to call, we can place that number on Do No Call. '' I replied on XX/XX/XXXX, " As I previously stated, thats highly unlikely. But, if that is the case, the call originates from your company, and West Lake should be responsible to stop it, so please own it. I am very tired of the daily harassment for months now. I guess you are telling me that is time to move on my escalation to the FTC. Thank you and I will pursue other and ALL avenues as I have reached the top of the leadership of your company with no ownership of the problem. I will continue to push until I find a resolution and get this harassment stopped, this is not right. '' I need help to stop this. The calls originate from West Lake which has been proofed. I am the victim of these harassment calls and they need to find the bug in their system at all cost.
Consumer complaint received 2023-08-31
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. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

XXXX complaint is over 30 days, XXXX still has unrecognized inquiries on my report. the credit report has no names to say its a fact
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (PA)

Mohela has not recalculated my XXXX XXXX XXXX in a timely manner per my request. They also have not added a loan, # XXXX, to my XXXXXXXX XXXX XXXX, instead opting to have it in a standard repayment plan, causing the balance to be overdue. Loan # XXXX should also have accrued interest removed because I rejected in in-school status ( opting to immediately enter repayment, XXXX ), though Mohela didn't process the request until around a month later, causing excess interest to accrue in error. I've made many attempts to rectify all of these attempts with Mohela.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX, I called my credit card company to discuss a settlement agreement for my credit card debt on two Capital One credit cards. A settlement amount of {$710.00} for one card and {$3600.00} for the other card was agreed upon. The payment date was set for XX/XX/XXXX, but I opted to provide my account information that day to pay off and close both cards. I insisted the amounts be debited XX/XX/2024. I gave a routing number and checking account number to the CSR and received two emails on XX/XX/2024 that said they payment was scheduled for XX/XX/2024, and both emails included payment confirmation numbers. On XX/XX/2024 I received another email saying there was a problem with my XXXX checking account and it had been removed. Looking at my account, the payments never came out. I called Capital One to ask them what happened and to debit the payments immediately. I was told that since I called after the payment due date of XX/XX/2024, that they were no longer able to honor the terms of the agreement and that I was responsible for the full amount. I asked for a manager to review the call to confirm the correct account number was used, and was told that they weren't allowed to disclose that information and that there were " no discrepancies '' on their part. I pointed out that I had two payment confirmation emails and was told " that didn't matter. ''
Consumer complaint received 2024-04-08
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (AL)

I hired freedom debt relief in XXXX to handle credit card debt. My graduation date was set for XX/XX/XXXX. In XX/XX/XXXX i was applying for a mortgage and paid all monies due to fdr to pay off XXXX creditor in full. We were already making payments to them and the balance due was {$230.00}. I asked them to pay the full amount in XXXX Well, in XXXX, i found out it hadn't been paid. In fact, fdr told me XXXX nullified the agreement and fdr would have to re-negotiate another settlement with them. I asked why it was nullified when i thought they paid it off as i requested.they tried blaming it on me, saying there was no money in my account. After i went ballistic on them, they told XXXX was at fault. So i called XXXX. XXXX told me they didn't receive ANY payment AT ALL in XXXX. So i called fdr. They got a new nehotiated settlement for {$390.00} and asked me to accept it. ( Keep in mind, we are now in XX/XX/XXXX, and they have been taking {$9.00} fee for themselves from my money for four months ). So, now i have {$300.00} left in my account. They want to take another {$200.00} from my personal checking for apr, XXXX, and XXXX to add to the {$300.00} i have remaing with them, which will total {$900.00} at the new graduation date of XX/XX/XXXX. {$900.00} so they can pay the new agreement amount of {$390.00}. XXXX Absolutely not!!! I want fdr stopped and i want my money back. They are THIEVES
Consumer complaint received 2024-04-07
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WI)

I started building a new home at XXXXXXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX in XX/XX/2023 using my Lowes XXXX  Account # XXXX. I made XXXX purchases in XXXX and XX/XX/2023 to begin building my house and made both payments on time by calling the Synchrony Bank XXXX # and telling the XXXX XXXX Agent I was paying using a XXXX XXXXXXXX XXXX cashiers check. 
Then on my third purchase ( all at Lowes in XXXX XXXX, Illinois ) while checking out at the register learned Lowes had closed my account without any notification because I later learned that they closed it because I paid by a cashier check which Synchrony says is a Third Party Check which my bank said it is not a Third Party check. 
I continued buying my materials at this store using my Lowes XXXX card but lost in XXXX XXXX discounts over {$5000.00}. 
Very recently I learned from a Synchrony Customer Service Agent that Synchrony does in fact accept Cashier checks but only if they are mailed! No one back in 2023 told me this and they should have at the time I was making these payments. 
Synchrony will not admit their error or negligence or unfair business practices. They should be fined again as they were previously for unfair business practices. I have asked that they reinstate my account with prior credit limit but they will not. They tell me I can re apply to get another XXXX XXXX Account. 
In summary Synchrony has a history of unfair business practices and they should be examined and probably given a large fine for their lecherous ways.
Consumer complaint received 2024-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Mohela recently transferred its loan servicing platform. Before the transfer occurred, I scheduled a future loan payment for {$900.00} ( effective XX/XX/XXXX ). I forgot I scheduled this payment, and scheduled a duplicate payment for XX/XX/XXXX after my account was active with the new platform. The new platform did not show anywhere that I had a pending payment for XX/XX/XXXX and my transition happened XXXX. 

On XX/XX/XXXX, two payments of {$900.00} each were deducted from my checking account. I assumed both payments would be attributed to my loan balances ; however, I realized only one was accounted for. Payment 1 ID is : XXXX and Payment 2 ID is : XXXX. 

Outside of Mohela, I keep an amortization table of all of my loans. After accounting for the double payment taken out of my checking account on XX/XX/XXXX, my balance was off by {$900.00}. Mohela did not attribute one of the payments they took from me to my account. 

I am not sure what to do in this situation, but I want my money returned or rightfully attributed to my unsubmitted loans. Is there a penalty Mohela will receive for the mismanagement of my money? 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 BANK XX/XX/XXXX XXXX CO XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
Consumer complaint received 2023-09-19
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. (TX)

Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.
Consumer complaint received 2024-04-05
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: WELLS FARGO & COMPANY (FL)

I, XXXX XXXX, contacted Wells Fargo Bank on XX/XX/2024 to find the status of two separate disputes filed, one with XXXX claim XXXX and the second with XXXX XXXX XXXX XXXX claim XXXX. In both cases the agent admitted that the disputes had been mishandled. With XXXX numerous pages of documentation have been emailed and faxed to Wells Fargo. The agent said it had been given to a specialist for being over {$3000.00} when the amount in dispute was less than {$3000.00}. 
In the case of XXXX XXXX XXXX XXXX it should have been filed as work never done instead it was filed as services not as expected.
Consumer complaint received 2023-08-31
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt