davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AR)

On XX/XX/XXXX, I received a written request for annual recertification of income and family size indicating I must recertify by XX/XX/XXXX or be " redisclosed to a permanent standard plan. '' When attempting to do this according to the instructions, studentaid.gov would not allow me since I was already in a forbearance. On XX/XX/XXXX, I received an email indicating my account had been put in administrative forbearance between XXXX and XX/XX/XXXX. It is important to note that according to XXXX XXXX, my loans are still in a forbearance. I emailed MOHELA on XX/XX/XXXX, requesting additional information and why my recertification date was not extended. On XX/XX/XXXX, I spent about XXXX minutes on hold and spent another XXXX minutes requesting why my income recertification was not extended until XX/XX/XXXX. It is important to note that while on hold, MOHELAs automated messages indicated XXXX months past the payment pause would be XX/XX/XXXX numerous times. The representative was unwilling to listen despite me explaining the information on the Department of Education website. To prevent my student loan payments skyrocketing to almost {$2000.00}, I recertified my income which resulted in my payments increasing by {$450.00}. On XX/XX/XXXX, I filed a complaint with the department of Education who indicated I should receive an acknowledgement within 15 days. On XX/XX/XXXX, I received an acknowledgement indicating that I should receive a response within XXXX calendar days ( as of today, I have not received any response ). On XX/XX/XXXX, I filed a complaint with MOHELA about their deceptive practices for failure to follow Department of Education XXXX and trying to coerce borrowers in recertifying 12 month prior than they are required. On XX/XX/XXXX, MOHELA sent correspondence that my complaint could take 90 days to receive a response. On XX/XX/XXXX, I received written correspondence indicating my income recertification was approved and that my new payment would start on XX/XX/XXXX. At the bottom of this letter under annual recertification, it states : " The earliest you could be required to recertify is XXXX months after XX/XX/XXXX, when the payment pause ended. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX year. '' It is important to note that the letter also indicates I should received a billing statement at least 21 days before my due date. It was not received until today. 21 days from today is XX/XX/XXXX with a due date of XX/XX/XXXX. MOHELA has already failed to meet their obligations resulting in docking of payments due to this and still fails to continue to understand the requirements as set out by the Department of Education and it appears that they are deceptively trying to fraud individuals in recertifying sooner ( resulting in increased payments in most cases ) to help increase their income.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (GA)

The individual alleges that DISCOVER violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and DISCOVER failed to disclose their right to rescission. 

Failure to Obtain Consent : DISCOVER allegedly reported information without the written consent of the consumer, as required by FCRA Section 604. 

Misrepresentation of Credit Payments : They argue that DISCOVER misrepresented credit payments, potentially committing security fraud. 

Willful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. 

Legal Action Threat : They threaten legal action if DISCOVER fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. 

The individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. 

Moreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan.

15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.
Consumer complaint received 2024-03-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (OH)

This companies phone tactics is causing extreme mental and financial hardship to us. We have made the company aware a few years ago not to call us between the hours of XXXX due to work. We made this clear this was an inconvenient time to discuss any business matters. Once the account is not even past the grace period, they beginning their methods by calling once for the first 2 days, then twice a day, up to and including 3 times a day. Just in the last few days, this is the illegal trend they have been doing which is far beyond the 7 calls in 7 days. This is harassment and needs to stop. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I know tomorrow will usually be when the three calls start. This type of activity they are doing actually drives me not to pay the account as this is causing undue stress. Please help make this illegal harassment stop.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (AK)

I have power of attorney for my XXXX who has XXXX and I have spent countless hours over the last 4 months trying to get US Back to acknowledge my Power of Attorney so I can manage my XXXX XXXX  finances. I first brought the POA documentation in to a branch in XXXX ( I live in a state without a US Bank branch ), I later mailed a copy of the documents and emailed copies to a branch employee who uploaded the documents. Despite having the documents, US Bank has strung me along for 4 months without adding me to my XXXX XXXX account. He has a very large balance that is stuck there with them earning interest on his money while I am unable to invest for him or even pay his bills. They have occasionally asked me to sign additional documents and mail them back to them ( always by snail mail ), but when I call to check on the status they transfer me back and forth with no one able to answer any of my questions are explain what the status is. One branch employee has been helpful and finally provided online access to one account, but then they disabled that and when I called them they transferred me to three different people and then just told me to call the customer care line, where I started out, and then hung up.
Consumer complaint received 2023-12-05
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. (CA)

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 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

1 ) Credit Acceptance Keeps Increasing, decreasing and a third time increasing loan balance 2 ) Credit Acceptace is reporting that I've made 3 payments on loan when I never made 1 payment on loan due to a ongoing dispute. Loan date is XX/XX/XXXX, 1st payment was due on XX/XX/XXXX bunt never made payment due to dispute, yet they keep moving numbers around by saying I made payments or missed a payment Also disputed status not reported either.
Consumer complaint received 2024-04-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (NC)

My account has had an error with logging in to view my card info for about XXXX weeks now. I have called support and they were unable to fix it, so they opened a ticket for me ( XXXX ). I have been emailed the same copy and paste message repeatedly saying they will look into it within XXXX hours but nothing has been done. I have over {$2000.00} in prepaid cards that I am unable to access and customer service does not seem interested in helping fix it.
Consumer complaint received 2024-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (FL)

15 USC 1692c I've never done any business with this company. I don't know who they are. I've never signed a contract with this company before for anything. I never gave written or verbal permission to anyone to pass my information to this 3rd party that I've never heard of.
Consumer complaint received 2023-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (IL)

Contacted MOHELA for clarification on why interest is accruing on my XXXX plan even though I am making the required payments. Have not received any response - requested information XX/XX/23. Several months of accrued interest are already present.
Consumer complaint received 2023-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I contacted my loan company and asked for my MI to be removed. I have over 20 % equity in my home. They have raised my payment over {$300.00} dollars starting in XX/XX/2023. I can show proof of comparibles in my area. They said because of my FHA loan, I can not remove MI.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

Hello I opened a bank account and was waiting for my debit card for M & T bank but I never received it and they also sent a pin with a separate mail I also never received it unfortunately so the has been 8 unauthorized transactions each for {$1000.00} that i was denied after I tried to dispute those are form XX/XX/23 to XX/XX/23 it says atm withdrawal
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland and XXXX XXXX are the companies I have issues with. They reported old credit cards debts ( XXXX ) as loans to the credit bureau as if they were recently done. I never received any cash, checks or electronic payments from the old credit cards or these companies.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This situation is not only unacceptable but is also causing severe damage to my credit score and financial standing. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite these disputes and my continuous efforts to rectify this issue, the inaccurate information persists on my credit report. WHY THE BUREAU KEEP ON REPORTING THE SAME INACCURATE INFORMATIONS ON THE CREDIT REPORT? THE BUREAU SHOULD FIX MY PROBLEM NOT IGNORE IT!!! 
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand the immediate removal of the inaccurate late payment information associated with the specified account from my credit report. This repeated reporting of the same inaccuracies raises serious concerns about the accuracy and effectiveness of your bureau 's reporting processes.
Consumer complaint received 2023-11-03
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. (TX)

I'm in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the credit bureau due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.
Consumer complaint received 2024-07-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

I filed for XXXX XXXX loan forgiveness from Navient and sent in all the supporting documents which they admittedly received XX/XX/2024. I received the response from Navient on XX/XX/2024 stating they deny these requests for various reasons and I do not qualify for this loan forgiveness. They have not provided any reason as to why I do not qualify. I submitted all the documentation showing the deceit of XXXX XXXXXXXX XXXX 

I also qualified years ago for loan forgiveness due to for profit school misconduct and Navient said I do not qualify. 

Further I qualified for the loan forgiveness as part of the class action lawsuit against Navient for unfair loan practices and misleading me into forbearance etc. In this instance Navient said I do not meet the criteria because my loans were not in default. My loans were on in-school deferment as I was getting my XXXX XXXX from XXXX XXXX XXXX via federal loans. 

I have been paying on these loans ( I also have a cosigner ) for XXXX and have paid back the amount loaned plus interest at least XXXX times over. They are treating me as a cash cow and each time I get close to paying off interest, the raise the interest rate. 

They have trapped me and my cosigner ( my XXXX old mother ) in these loans. It is preventing me from being able to purchase a home. I've had to pull from my retirement in order to make payments and use my employment bonuses in order to make payments. 

They have received the original loan amount plus interest XXXX times over and still will not let me out of these loans. They are taking advantage of me and trapping me in a never ending cycle of repayment.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (TX)

I am a victim of online fraud. My checking checking account was compromised for XXXX fraudulent charges, adding up to nearly {$3000.00}. I had about {$800.00} in my checking account at the time. Since I had overdraft protection with a credit card also issued by Wells Fargo, I was charged {$2000.00} to recover the deficit from my checking account while my checking account was overdraft due to the fraud.

My checking account was immediately closed. When I called to resolve the situation with Wells Fargo customer service, they proclaimed they would not reimburse me for the money in my checking account. Also, they told me since my credit card did not have fraudulent activity, they would not count it as fraud, and I would need to pay back the money to Wells Fargo. I have not received any support and luck trying to sort things out with Wells Fargo.

I continuously called to address the charges on my credit card. I spoke to many people, including supervisors, regarding the money I lost in my checking account and the charges on my credit card.

Now, I am coerced to pay back the balance, and they will not reimburse the money taken from the checking account.

As a result, my credit card has been accumulating interest and late fees because I havent paid this account, and I dont feel like I have to pay for it since I was a victim of fraud. They have ruined my credit and will not empathize with me. I do not have a lot of money, so I can not hire a lawyer, and even if I did, I can not compete with Wells Fargos attorneys. I feel helpless, and I am reaching out in hopes of getting justice and resolving this issue.
Consumer complaint received 2024-07-05
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: CITIBANK, N.A. (CO)

Citi violated XXXX violation regarding sections XXXX and XXXX of the XXXX XXXX. 

I had researched the Citi credit cards and learned from the Citi Entertainment FAQs website ( https : //citientertainment.com/faq ) about certain benefits and features of Citi credit cards which included stating that applicants who apply online and are approved for the Citi Rewards+ card may also request instant access to their card 's temporary account details upon request. 

On XX/XX/year> I submitted a credit card application to Citi and received instant approval for a Citi Rewards+ card. I then learned certain aspects of the Citi credit card offerings and process are deceptive and misleading after I applied for the Citi Rewards+ card specifically to have the ability to purchase event presale tickets same day which upon closer examination, turned out to be false. 

Even one of the post-application Citi webpages indicated that I can request instant access to my cards temporary account details. The temporary card details were needed to purchase presale event tickets and I was unable to access any card detail through the Citi app, Citi website, Citi customer service chat, and Citi customer service phone team. The above website statement is false as none of the customer service agents were able to provide the temporary card details, even through multiple attempts to contact Citi, and I was advised that either this was not possible or I had to wait an additional 48 hours which did not prove to be true. This has caused a major inconvenience and inability to purchase event tickets due to the inability to obtain the temporary card number which I met the criteria advertised on the Citi Entertainment FAQs and on the post-application Citi webpage for the Citi Rewards+ card.
Consumer complaint received 2024-08-27
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX '' ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MN)

Received this letter in the mail last week and gave them a call because I have never heard of their credit union. 

In XXXXXXXX XXXX XXXX I got hacked very badly. For almost a year I had to keep calling XXXX XXXX to change my accounts/cards/login etc. never ever thought it was possible for someone to be able to take out a loan. 

I gave this company a call explaining the situation and know this wasnt me. The only loans I have taken out was for school or my car.
Consumer complaint received 2024-03-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/XXXX I loaded {$1000.00} each to my XXXXXXXX XXXX  prepaid cards, totaling {$2000.00}. Later that day I received email notifications that both my accounts were closed without giving specific reasons. I called XXXX XXXX XXXXustomer service and was advised I could only write letters to XXXX XXXX  office in XXXX Georgia to communicate on this matter which could not be handled by customer service agents on the phone. 

On XX/XX/XXXX I wrote a letter to XXXX inquiring about the reason for account closure and requesting refund of my balances. On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX and the letter enclosed with a {$100.00} check. On XX/XX/XXXX I wrote another letter to XXXX to inquire why total balance of {$2000.00} is not refunded and they only sent a check of {$100.00}. Enclosed with the letter are store receipts on XX/XX/XXXX for loading the {$2000.00} fund to my XXXX cards. 

Having not heard back from XXXX for a month, I called XXXX XXXX  customer service for the second time on XX/XX/XXXX. Again, I was told that XXXX XXXX  customer service agents could not handle this and the only way to communicate on the matter is by writing to XXXX So I mailed another letter to XXXX on XX/XX/XXXX, requesting refunding the {$2000.00}. Enclosed with the letter are the receipts and the past correspondences. 

To this day I have not heard back from XXXX