davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

PSLF : I work for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and it is listed as undetermined, which is impacting the status of my PSLF. I have uploaded supporting documents and completed the application to have my employer approved ( many times ). My employer is still listed as undetermined which is directly impacting the amount of payments I have left for the PSLF. I have waited on hold for 3 hours at a time to try to get this resolved. From last year until present day, I have never received any update on this. I just recently received a letter stating that I have to complete a full application for a review to of employement to be completed. I can not complete any other applications as it will not let me move on without the eligiblity of my employer. My 2 former employers have signed and completed it. I also tracked my activity and it states that one of the PSLF applications is a duplicate form and one was processed, even though they are 2 different employers. The one on XX/XX/23 was processed form the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is listed as a duplicate form on XX/XX/23. I was then changed to a payment plan that was not eligible undeer PSLF. I spent hours on the phone and to get this resolved and put it into forebearanace until this was resolved.
Consumer complaint received 2023-07-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA (NC)

All XXXX of Student Loans reported by Mohela/ XXXX XXXX XXXX XXXX violating my privacy as to reporting my educational records to credit bureaus. XXXX, XXXX, and XXXX. 
Based on the Family Education and Privacy Act of 1974. My rights are being violated and i am requesting compensation for loss.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-11-25
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

I have NOT heard one word from HSN or the Synchrony Bank regarding tthis matter.! THE QUESTON STILL REMAINS WHERE ARE ALL THE PAYMENTS THAT I DID FAITHFULLY MAKE EVERY MONTH? I sent all of the information to a woman by the name of XXXX and have not heard one word from her! OR HSN, OR Synchrony Bank I work very hard to keep my payments up not only to HSN but to QVC as well. ALL I WANT TO KNOW IS WHERE ARE THE PAYMENTS I DID MAKE, THIS WOULD INCLUDE THE MORE THAN {$720.00} THAT I HAVE MADE IN XXXX? IN ADDITION TO THIS IT COST ME {$60.00} TO HAVE MY BANK COPY MY STATEMENTS AND Have them sent XXXX @ HSN. 
As previously stated I did my DUE DILIGENCE! MUCH MORE THEN HSN OR THE Synchrony Bank I JUST WANT TO KNOW WHERE MY PAYMENTS ARE? 
THIS IS IN NO WAY FAIR TO ME! 
MIGHT I ADD, THAT HOST ON HSN ADVISE THERE IS " NO INTREST EVEN WITH FLEX PAY '' INSTEAD THE BANK IS RESPOSIBLE FOR THE INTREST RATE. THEY HAVE NEGLECTED TO PROVIDE AN ADDITIONAL {$120.00} PAYMENT THAT WAS MADE TO THEM, ACCORDING TO THEIR WORKSHEET!!!!
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Received this message on XX/XX/XXXX Chase Fraud : We declined {$500.00} with card ending XXXX XXXX XXXX  Was this you? Reply YES or NO. If yes, you will not be charged unless the purchase is attempted again. If no, we will close your current card and send you a new one that you should receive in 5 to 7 business days. Msg & data rates may apply. 

I replied NO Chase Fraud : Thank you, we will close your card and send you a new one that you should receive in 5 to 7 business days. If you recognize all the other charges, you don't need to do anything else. If you see other charges that aren't yours, please call us using the number on the back of your card. 


Checked app on the XXXX XXXX XXXX XXXX and no update in my transactions. 

On XXXX XXXX XXXX XXXX the unauthorized purchase was included in the balance but nothing was in the transactions to show this. 
Checked again at XXXX XXXX. and suddenly 6 purchases appeared on my list of transactions, 5 were {$97.00} and 1 was {$15.00}. I tried to dispute the claim but the app says, 'that part of the site isn't working. '
Consumer complaint received 2023-12-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

I moved out of my apartment in XXXX with a {$0.00} balance on my account. Genesis Credit Management called me in XXXX of XXXX to tell me I had an unpaid debt. This debt has never been brought to my attention in three years and the other tenant of my apartment has not been contacted by Genesis.
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX Truist called me to inform me they detected XXXX {$1.00} charges charged to my credit card. I informed Truist I did not make those. Truist informed me they would remove those {$1.00} charges from my account, which they did. They cancelled my current card and reissued a new card. Did not receive my statement for billing cycle XXXX. 

XX/XX/23 When I checked my statement on line, I noticed XXXX XXXX charges charged to my old credit card on XXXX totaling {$1100.00}, which I did not authorize. I contacted Truist and advised them that these were also fraudulent charges. They told me they would investigate and have it resolved within XXXX billing cycles. 

I called Truist on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23. It has already been XXXX billing cycles and no resolution. I am incurring late fees and interest charges. I am also getting delinquent calls from Truist.
Consumer complaint received 2023-11-24
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MN)

I applied for the XXXX in XX/XX/2021. I have been given the run around and excuses for the past two years. I qualify for the loan forgiveness. I have called MOHELA many, many times. This has been a two year nightmare. I recently received a letter finally saying I have qualifying payments but now my dates are not eligible. This has been a two year nightmare. Not trying to get some help.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MO)

On XXXX the XXXX 2024 some moneys were transferred to my account after paying back my XXXX dollar spot me my ending available balance was {$420.00}. I then made several purchases, and one unknown charge of XXXX, adding up to the sum of {$400.00}. Which put my account in the negative of XXXX when I made it home I sat down and added everything up call to address the era the technician named off each pending balance and added up and it was XXXX so they owe me money and it shouldn't have been in negative we got disconnected when I called back everything has changed I'll call back XXXX times this day and every time I called I screenshot it my account balance and they changed it around they changed my starting off balance to try to make it fit to what they said it was. The last time I called I asked for a complaint form and also a copy and they told me they didn't have no form to fit my complaint. So this is why I'm making an complaint with you all because Chime is wrong.
Consumer complaint received 2023-11-24
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under...

15 U.S.C 1681 section 602 A. States I have the right to 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 Account name : XXXX  Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX
Consumer complaint received 2024-04-18
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. (NY)

I am writing ( again ) to formally dispute the inaccuracies and inconsistencies in my credit report regarding the account with XXXX  XXXX, Account Number : XXXX. I have recently received my credit reports from TransUnion, XXXX, and XXXX, and after a careful review, I have identified several discrepencies that require immediate attention. 

1. inconsistencies in Reporting Dates : Transunion reports the last activity on XX/XX/XXXX. 
XXXX reports the last activity on XX/XX/XXXX XXXX Reports the last activity on XX/XX/XXXX XXXX. Discrepancies in Reported Late Payments : XXXX  XXXX reported a 30-day late payment to both XXXX & XXXX XXXX XX/XX/XXXX. 
- However, it was reported to TransUnion that I paid on time 3. Request for Documented Proof : I request DOCUMENTED PROOF of any LATE payments associated with this account. 

These inconsistencies not only misrepresent my credit history but also violate the Fair Credit Reporting Act ( FCRA ). I demand immediate action to rectify these errors, including the escalation of this investigation and the removal of the account from my credit report. 

I expect a prompt response within the statutory timeframe as outlined by the FCRA. Please provide me with updates on the progress of this dispute and any documentation supporting your investigation. 

Failure to address this matter appropriately will leave me with no choice but to pursue further legal actions to ensure the accuracy of my credit report.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-18
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. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

When the world emerges from this crisis Many, many consumers faces the prospect of missing payments as a unpredicted of income loss during the pandemic COVID-19. Capital One Credit did not offer or work with me to provide accomodations such as payment skip payments, lower monthly payments, lower interest rates, or credit protection. However weeks after on the web page it is stated that they are responding to consumers who are impacted by the crisis and to call the customer service. I called the customer service number and spoke to different ppl and explained how i was impacted and were told there were no accomodations being offered but told i was appreciated being a customer of capital one. Extremely disappointed and frustrated with negative impacts on my credit report. Capital One has failed and made violations of withholding notices, FCRA act, and the CARES Act.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are XXXX XXXX XXXX accounts inaccurately reporting on my credit report. I have sent multiple letters showing the inaccuracies along with my permissable purpose letter of the abuse that the credit agencies are committing, by harming my reputation. The following accounts need to be removed from my credit report or I will take legal action. 

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 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (KY)

On XX/XX/XXXX, MOHELA processed and updated my employment verification on my loans ( sequences XXXX and XXXX ). This information put me over the required 120 payments as a part of the PSLF program. However, as of XX/XX/XXXX, the amount owed information on my account summary page does not reflect the forgiveness of these loans and still shows I owe an overall balance of {$100000.00}. My account summary is also showing that I have accrued {$6600.00} of interest as of XX/XX/XXXX. These amounts are incorrectly reported, with loan sequences XXXX and XXXX being forgiving ( 121 of 120 payments applied to my account ), I should have a remaining balance of {$31.00}, XXXX. The amount of accrued interest is based on the incorrect amount of {$100000.00}. I have called MOHELA to have these numbers adjusted correctly for my account on XXXX XXXX and XXXX XXXX. These incorrectly reported numbers are also inaccurately appearing on my credit report, affecting my debt-to-income ratio, thus effecting my overall credit score.
Consumer complaint received 2023-12-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

On XX/XX/2023, we were notified that XXXXXXXX XXXX sold our mortgage to Carrington Mortgage. On XX/XX/2023, we received our monthly mortgage statement and it said we owed for XXXX and XXXX on XX/XX/2023. On XX/XX/XXXX, we received a delinquency notice stating we didn't pay XX/XX/2023. This makes no sense! How is this possible? 

I called and spoke with XXXX of Carrington on XXXX XXXX, 2023, who said they would not remove us from delinquency status after I requested them to do so. She said that we were due XX/XX/2023 even though our first mortgage statement says XX/XX/2023.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I feel discriminated by this bank Im XXXX and have a XXXX I filed a dispute incorrectly and they refuse to give me back my money by filing it as a billing dispute a doctor lied to me with his services and charged me {$1600.00} in XX/XX/XXXX my account is overdrawn my bank refuses to conduct an investigation or do anything to recover my funds they told me to forget about it the merchant scammer me and wont give me a refund or anything I dont know what to do why wont my bank do the right thing and refuse to refile this claim was denied once because it was filed as fraud they didnt understand me
Consumer complaint received 2023-11-29
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 applied for an income-driven repayment plan ( XXXX, now the XXXX plan ) in XX/XX/XXXX, received approval, and that repayment plan was assigned to all of my loans. Then, several months ago, my loans were transferred from XXXX to Mohela, and my IDR was only applied to half of my loans, with the other half set up with the traditional payment plan. I contacted customer support on XX/XX/XXXX ( which was an incredibly frustrating and time-consuming experience ) and was told I had to reapply for the XXXX plan, which I did over the phone even though my repayment plan shouldnt have changed when my loans were transferred, per information on the Department of Education XXXX XXXX I was told I would receive a response to the application within 14 days. I again inquired as to why I had to reapply for my repayment plan of choice, and I was transferred to a different representative who stated they revert all loans to the traditional plan following loan servicer transfer to give borrowers the option to choose a different plan. Again, this is not the way loan servicer transfers should be handled per the DOEd. As of today, I have received no response regarding my repeat application for the XXXX ( formerly REPAYE ) plan but have received a bill for {$2300.00} due on XX/XX/XXXX. This is more than my monthly income, and I cant afford to pay it ( which is why I applied for the XXXX plan ). I need the correct repayment plan set up for my account and am unable to get Mohela to correct this error. Now I have to decide whether to overdraw my account or be delinquent on my loans. Mismanagement of student loans to this extent should be criminal, and there needs to be a formal investigation into Mohela business practices.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

Columbia Debt Recovery XXXX, dba Genesis, initially contacted me via email on XX/XX/2023, asserting a debt owed to XXXX  XXXX in the amount of {$450.00} as of XX/XX/2023. On XX/XX/2023, I formally requested documentation pertaining to the validity and basis of the debt, authorization for interest/fees, and proof of their authority to collect. Their response on XX/XX/2023 was an unclear account statement, missing the requested information. 

Despite my follow-up on XX/XX/2023 reiterating the need for missing information, they did not respond back. On XX/XX/2023, they sent another debt notice resembling their initial XX/XX/2023 email. My subsequent communication on XX/XX/2023 reiterated their failure to provide the essential information. 

In their most recent email dated XX/XX/2023, they claimed my account is considered past due, and has been place in collections on XX/XX/2023. However, they still have not responded to my requests for data, and their inconsistent communication, now with different dates, complicates my ability to address this matter appropriately.
Consumer complaint received 2023-11-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (IL)

I received a letter from Discover letting me know they have been over charging my account with interest since XXXX. They sent me a letter on XX/XX/XXXX stating that they were sending me compensation and would reimburse me for 12 % of the over charged fees. I have asked for documentation explaining how much was over charged and details of this from the past 7 years so I could presume they reimburse me the full 100 % and not just 12 % of what I overpaid in interest the past 7 years. 

I have requested these details more than one occasion through phone calls and also through their messenger on their website. 

I spoke with someone on XX/XX/XXXX to have a supervisor call me but they said they would not get back to me until Wednesday, XX/XX/XXXX because it was a holiday. I received no attempted phone call from a supervisor and then sent Discover a message saying no phone call was made, they then responded to call back to have the issue resolved. I messaged again back a forth letting them know the issue still had not been resolved and no phone call had still not been made. I have records from my phone company showing they did not make a phone call and I also have a recording of the conversation with their knowledge of me recording the conversation. 

I also am in a bankruptcy and they claim they can not send me documents due to this but they have sent me 7 documents just this year.
Consumer complaint received 2024-04-18
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. (PA)

This company is in direct violation of 506B, 615 ( f ), and 623 ( a ) ( 6 ). On 03/14/2024 I sent transunion a id theft package to transunion regarding XXXX XXXX to which transunion did not follow FCRA during their investigation and block said information. not only did this company not block the said information in the time frame allowed but didnt block the said information at all.