davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I have enrolled in the SAVE plan so monthly payments would be applied to the principal and not to the interest. I have been enrolled into SAVE since XX/XX/XXXX. My monthly loan payments have only been applied to the loan interest. Nothing is applied to the principal until the interest is paid off. I continue to accrue interest onto the principal. Mohela can not provide a sufficient response on when they will fill their obligation to this part of the SAVE plan. They do not provide a time line when this will occur. 
I need to know when this will occur and if these payments will ever be retroactively applied to the principal.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Neither of the 3CRA 's upheld their obligation to my first complaint, requesting for a four day block and removal due to identity theft as per 15, US 1681C-2 stating that the CRA 's have two block any accounts said to be inaccurate due to identity theft by the consumer, no later than four business days after receipt of communication. I am now and pursuing of the next step in continuing the pursuit of legal action. The first complaint was made on XX/XX/. It is now the fifth day XX/XX/.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2023, I tried to take {$1000.00} out of TD Bank 's ATM where I had an account. It was around XXXXXXXX XXXX because the bank had just closed. Only {$800.00} came out, and it was after a long wait. The bank tellers would not help me because the bank had just closed, so I waited over 40 mins on the phone to make a complaint. They took my info, but never contacted me to discuss, and just sent me a denial letter that said the reason they denied was " We have determine that an error did not occur and the claim is denied. '' This letter was sent on XXXX XXXX, 2023, which was just the first business day after my complaint. They did not send me any evidence that they reviewed, and therefore just stole my money.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate / fraudulent account information on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report.I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims.I have also sent a letter to the creditor disputing ownership of the account, and demanding the immediate removal of the account from all credit reporting agencies, as well as provided documentation such as FTC Report, police report, as allowable by law to the creditor and credit reporting agencies regarding this errors. The creditor has failed to respond to my request.Despite my efforts, the inaccurate/fraudulent account information remains on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Consumer complaint received 2015-09-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Revenue Recovery Corporation (KY)

It shows on my credit report I owe {$530.00} to Revenue Rec. I called to find out what was going on since I never received a bill the guy on the phone told me it was through XXXX XXXX hospital and I owe another {$500.00} and something for a hospital bill to XXXX XXXX XXXX. I told him I didnt get a vill for either one and I have medicaide and medicare he insisted he talked to me in XXXX 2015 I tols him he didnt talk to me and that I have Medicaid and Medicare. He said I would have to take that up with the insurance company but it was probably to late. I told him yea because no one ever gave me notice.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I wanted to add this to my existing complaint. My rep at XXXX XXXX is speechless and says I should be getting the cash bonus offered to me. My XXXX did the same things I did and got the bonus and I did not. Someone above rep said the same thing that I should get the bonus. I'm not sure why BofA is not responsive and doesn't want to pay the bonus. Apparently bofa somehow thinks I do not deserve the bonus because I didn't login to my BofA account within the first 120 days I had the account. My XXXX  personally took a computer into the hospital and logged into the BofA bank account in question. I recall logging in during the first 120 days. I didn't have much of an opportunity to do so being at XXXX XXXX for XXXX  months during much of this time for XXXX XXXX. I took this all the way up the BofA food chain to the CEO and his exec leasdership including the compliance leadership. I didn't hear back.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NH)

EXPERIAN is obligated by the FCRA to report accurate information. consumer has called into EXPERIAN and advised ALL inquiries reported was fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer. consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer. EXPERIAN has 15 days to provide consumer with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. 
EXPERIAN is securitizing consumers data yet refuse to provide consumers a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-01-25
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: JPMORGAN CHASE & CO. (NV)

This is absolutely the worst online buying experience that I have had in my entire life. I purchased a coffee table ( XXXX  2023 ) for {$780.00} and it was damaged so the company, XXXX sent me a second table at no charge. That second table also arrived damaged ( XXXX XXXX, 2023 ) and the company did not initially respond to my emails so I filed a dispute with my credit card company. Finally, the company told me that they would refund my money and that I didn't need to return the item, but they could only do it if I withdrew the credit card dispute. However, they waited for me to withdraw the dispute then they told me that they " accepted '' the dispute and sent the funds back to my bank. My bank ( Chase ) has confirmed that they have not received the funds and now I am still owed the money. Chase also says that I am not eligable for a dispute, which makes no sense. The company tricked me into withdrawing my dispute and now refuses to help me ( please see attached email correspondence ). This is a final attempt to collect before I file the case with small claims court. I hope that you can resolve this.
Consumer complaint received 2024-05-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>, I paid an additional {$99.00} for luggage at the airport due to a misjudgment by a XXXX XXXX staff. The specific situation is that when I was preparing to board the plane, I did not put my computer bag in the backpack that I carried with me, which met the free carrying size, causing the staff to think that I brought two bags and was asked to pay at the nearby counter. This computer bag is a very thin bag that wraps around the computer ( which can be seen as a backpack compartment ). Originally, it was placed in the backpack. So in fact, I only carried one piece of luggage, which is my backpack. At that time, I mistakenly thought I couldn't carry any backpacks, and I was in a hurry to board the plane, so I paid for it. But later I found out that the backpack I carried met the free luggage standard. I don't understand if that staff member forced me to pay the fee without careful examination out of discrimination. Overall, this luggage fee was misjudged, so I request a refund. 

On XX/XX/year>, I contacted customer service on the official website of XXXX XXXX, and they agreed to help me solve the problem and create a request number for me. That evening, I received an automatic reply email requesting me to provide the email address used for ticket purchase, and I informed him of the information he needed. But since then, I have not received any reply from XXXX. Even if I proactively sent them an email to inquire about the progress, I did not receive a reply. On XX/XX/XXXX, I contacted the customer service on the official website again, and the customer service asked me to wait for 30 days. If there is no reply, I can contact the customer service again. 

Around XX/XX/year>, I contacted the customer service on the official website again, and the customer service said he/she would arrange an expert to solve my problem and let me wait for emails. On XX/XX/XXXX, they created another new request number for me and sent me an email asking for the email address I used to purchase tickets again, and I replied to him like before. Since then, I haven't received any response. 

My communication with XXXX XXXX ' official website customer service has been very difficult. They respond slowly and pretend to solve problems for customers, but in reality, they only create useless request numbers for customers. Their mechanism for handling requests is also useless, and there was no one to investigate and solve my problem from beginning to end, wasting a lot of my time and energy. 

On XX/XX/year>, I disputed this transaction to the BofA Bank. The bank first issued credit, but on XX/XX/XXXX, the bank deducted this {$99.00} without any explanation. And I can't find any way to inquire about the reason for my claim failure. When I find it difficult to claim compensation from merchants, the bank 's approach is irresponsible.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (OK)

A student loan from Mohela is showing up on my credit report. I have never taken out a student loan. Ive tried multiple times to contact Mohela, but cant get through to an actual human being. Every time I attempt to dispute this loan through XXXX they send me an email saying that I dropped the dispute, even though I didnt drop it. Im extremely frustrated that it feels like my hands are tied in this matter. Mohela should make it easier to contact them on matters like this. My credit is going to end up being destroyed and I will end up being forced to pay back a loan that I didnt take out. Nobody should have to go through this.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo wrote me back saying that they were justified in charging my account XXXX times for overdraft fees. This is untrue. All except three of these times they charged my account when I had the money deposited in the account but yet they charged me for a check that came in one or two days later. They would commonly make the date on the check to appear to have come in before my deposit was made, but this would be false. This occurred for the first time with the very first overdraft charge to XXXX & XXXX. They also charged me for this twice. Thus, every charge after this is fraudulent because had I still had the money they falsely deducted from my account, my account would not be overdraft after that. Additionally, they often would charge overdraft fees for online accounts that I had cancelled or never subscribed to simply because the online company attempted to charge my account. These charges were all-around false. Wells Fargo is also saying that they reissued me a check for XXXX XXXX. That is false as well. I never received a reissued check for XXXX XXXX. This is a lie. I expect to be reimbursed all of the XXXX overdraft fees I was charged fraudulently.
Consumer complaint received 2024-05-03
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 (MD)

To participate in my federal agency 's Student Loan Repayment Program, I am required to verify and cerify that I have federal student loans. On XX/XX/2024, I uploaded the Certification of Qualified Student Loans form to the MOHELA website. MOHELA informed me that the process would take 10 business days. On XX/XX/2024, the XXXX business day, my form was not completed and sent back to me. My agency 's due date for the Student Loan Repayment Program is XX/XX/2024. MOHELA stated that I would have a completed form by XX/XX/2024, which may disqualify me from receiving a lump sum of money to pay back my student loans.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

On XX/XX/2023 I had noticed a addition to my credit report indicating that I had a new account with a personal loan in the amount of {$240.00}. I have never made such a account. I contact the company to ascertain how this account came into existence. 
I was told that it was me yet it was not. After several emails back-and-forth and a phone call I am left with the response being that the account was done by me. I disputed the account with Equifax and the dispute came back, not in my favor. Then the XXXX XXXX  responds back in an email saying that I need to have this report that XXXX writing to send them so they can look into it. Again I opened up no such account or borrowed any money from this company the question is who did what account did this money go to because it was not mine. Anyone does their homework like I shouldve any XXXX search of this company will show you nothing but bad review and warnings they are a scam. 

Attached youll find the convo thread with their support as well as a copy of the promissory note I allegedly signed. I did not. But the name on the promissory note is a date. And the beginning date is my name. There is no signature on the note. And its worded awfully. This isnt even a legal contract.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license in addition to pay stubs and bank statements. To date the changes have not been made.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2024, XXXX made a Retail Inquiry by checking my XXXX  Credit File . I did not apply for any store credit cards through XXXX. 

On XX/XX/2024, CAPITAL ONE/XXXX  made a Bank / Credit Card Inquiry by checking my XXXX  Credit File . I did not apply for any store credit cards through Capital OneXXXX XXXX
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (IL)

i never attended XXXXXXXX university in XXXX XXXXXXXX missouri for the classes that they are claiming i owe for. i attended the XXXX XXXX XXXXXXXX university that was closed down and is now a non existent school and since the dismantling of the extension school i am told nobody can help me get my transcripts and now the school has without my express consent to have my debt, and personal information handed over to a collection agency i never have done business with and i will not be willing to because i didnt agree to it.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

On XX/XX/XXXX, XXXX XXXX XXXX was removed from my house by Police and XXXX for unrelated circumstances. He stole all of my credit cards that night, and used them for his own purposes. As soon as I realized he had stole and utilized the cards I contacted my creditors to inform them that these were not authorized charges, to report them as fraudulent, and issue me new card numbers. I contacted the Detective and informed her of this matter as well. She did end up retrieving all of the stolen cards and returning them to me. XXXX XXXX signed a notarized order on XX/XX/XXXX stating that he would be returning these funds. XXXX XXXX was not an authorized user on XXXX XXXX per conversation with XXXX on XX/XX/XXXX at XXXX ; on which he used card for {$5000.00} on XX/XX/XXXX. He was not an authorized user on XXXX XXXX per XXXX XXXX on XX/XX/XXXX at XXXX ; whereas he utilized card for a total of {$27000.00} on XX/XX/XXXX and XX/XX/XXXX. He was listed as an authorized employee under XXXX XXXX  XXXX XXXX as of XX/XX/XXXX ; however used the card for non-business use on XX/XX/XXXX in the amount of {$5000.00}. XXXX XXXX was not an authorized user on XXXX XXXX card per conversation with XXXX XXXX on XX/XX/XXXX at XXXX ; whereas he fraudulently spent {$9600.00} on XX/XX/XXXX and XX/XX/XXXX. The dates and times provided are the most recent conversations I have had with Crediors as well as the law firms that these accounts are now handled by. I have had countless conversations with Creditors over the past couple of years regarding these fraudulent transactions since I first realized he stole them. I would also like to add that I did not receive not 1 text message or phone call from any of the Creditors asking if I approve these transactions prior to their approving them without my permission. I do find this alarming and unfair because the dollar amounts they allowed to charge to my accounts were {$4000.00}, {$5000.00}, {$7000.00}, and {$20000.00} transactions!! If they were to had asked my permission prior to them okaying these amounts, I would have said I DO NOT APPROVE! As my Creditors they should have asked my permission in the validity of these being authentic considering I had never posted any type of transactions to my accounts anywhere near those dollar amounts, and at the time of these thefts, all of my credit card accounts were at very low balances and/or paid off! XXXX XXXX had a {$0.00} Balance as of XX/XX/XXXX, XXXX XXXX had a balance of {$0.00} as of XX/XX/XXXX, XXXX XXXX XXXX had a balance of {$2600.00} as of XX/XX/XXXX, and XXXX XXXX had a credit balance of {$660.00}.
Consumer complaint received 2023-11-01
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (TN)

I sent a payment for home owners insurance for 2023. I accidently wrote check for {$1000.00} over the amount required to Wells Fargo Home Mortgage. They refuse to refund me the money and said it was placed in escrow. I told them I wanted a refund after speaking to numerous customer service reps on the telephone, and they all refused to do so. 

Mortgage with Wells Margo Home Mortgage in name of XXXX XXXX, Loan No. XXXX, address of property is XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX.