davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am writing to formally dispute and request rectification for the adverse actions taken by Capital One on my credit account, specifically the reduction of my credit limit from {$4200.00} to {$2000.00}. This dispute arises from events surrounding the erroneous reporting of a 30-day late notice, and subsequent actions taken by Capital One based on this misinformation. 

On XX/XX/, I was alerted by XXXX, a third-party credit monitoring service, about a change in my credit file. According to the notification, a creditor reported a 30-day late notice, prompting Capital One to decrease my credit limit. After confirming this with Capital One customer service, I promptly contacted the credit bureau to dispute the error, and the correction was made on XX/XX/, resulting in an XXXX increase in my credit score. 

Subsequently, on XX/XX/, XXXX  reported an 80 % utilization ratio based on the new credit limit of {$2000.00}, despite my balance being {$1600.00}. I contacted Capital One customer service to rectify this, explaining that the credit limit reduction was a reactionary measure based on incorrect information. I was informed that to restore my original credit limit, I needed to reapply for a credit increase. I find this process unfair, as the initial credit limit reduction was a consequence of an error on an unrelated account, which has since been corrected and updated in my credit report. 

Despite my efforts, Capital One has refused to correct this unjust reduction. On XX/XX/, I received a letter from Capital One requesting me to call customer service regarding the dispute letter I previously submitted. Upon calling, I was informed that I am still reported as 30 days past due, and if I wish to increase my spending limit, I must submit a request, subject to a soft pull on my credit report. 

I assert that Capital One 's reliance on third-party information and refusal to correct a reduction caused by an error on my credit report is unjust and may lead to further damage to my credit score. This may result in the loss of better credit opportunities and favorable rates. Moreover, I am concerned that Capital One is not adhering to government standards regarding the collection of customer information, and the denial of access to speak with a manager further compounds my dissatisfaction.
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Application to decreased the amount due per month to reduce the monthly payments as well as recertification to be continued in the PSLF program with my current employer at a not for profit with verification as requested by loan servicer, MOHELA. 


XX/XX/XXXXXXXX  : Application for PSLF was initiated. 

XX/XX/XXXXXXXX  : Income Driven Repayment [ IDR ] Application submitted on student.aid.gov website. 
IDR monthly amount was projected at XXXX on the Income-Contingent Repayment Plan. 

XX/XX/XXXXXXXX  : PSLF reapproved on Federal Student Aid website XX/XX/XXXXXXXX  : PSLF acknowledged by MOHELA XX/XX/XXXXXXXX  Federal Aid website states the application was reviewed and processed. 


XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  Administrative hold was placed on account. 

XX/XX/XXXXXXXX  No solution after a phone call to reach an understanding after 94 minutes on the phone with MOHELA. 

Application was still " pending " Customer service stated they were processing applications submitted in XXXX. 
My application was submitted in XXXX and there was no reason to be determined as why it was not approved and the status of the application. 

XX/XX/XXXX Second request to switch to IDR submitted on the Federal Student Aid website. The amount projected remained the same at XXXX XX/XX/XXXXXXXX  Direct withdrawal for payment was completed by Mohela from checking account No updates were able to be given by loan servicer. Next payment is due XX/XX/XXXX.
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (SC)

I sent a request to MOHELA for information on my PSLF history to be updated or instructions to update the information on XX/XX/XXXX. Their site says 3 business days for a response. Other sources say it could take up to a month for a response. I waited until XX/XX/XXXX before sending another message requesting the same information. I still have not received a response. I sent another message today, XX/XX/XXXX. I am now taking the complaint to the CFPB to hopefully get somebody's attention at MOHELA. 

PSLF requires 10 years of qualifying payments. I have been paying since XX/XX/2013. I have worked in XXXX XXXX since XX/XX/2013. I have certified my employment. They claim all of the payments I made since XXXX were not qualifying because I had no charges due. I can assure you they absolutely were due and were paid. I have done my due diligence and am being ignored by a company that likely gets paid XXXX  if not XXXX of tax dollars to service my loan.
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (FL)

I submitted a dispute regarding a bankruptcy reporting on my credit report inaccurately. I have contacted Experian to receive the name of the primary supplier and secondary vendor of this bankruptcy record XXXX XXXX XXXX reporting on my file so that I may complete a thorough dispute/investigation. On XX/XX/24 Experian responded without providing the information requested which is clearly a stall tactic. Experian also accused me of using a credit repair company, which i have not even though the law permits it. Being that my previous dispute did not address this error nor did Experian provide me with the ORIGINAL FURNISHER and or SECONDARY SUPPLIER in accordance with the FCRA and a notice posted by the CFPB which requires CRAs to do such. Experian has not corrected this error on my file. I have attached a copy of the CFPB statement. Experian is causing financial and mental stress with its constant disregard to the law.
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PNC Bank N.A. (MD)

I was sick in XX/XX/. I had XXXX  XXXX & requested for Forbearance from XXXX XXXX via PNC Mortgage, Loan Servicer, but unfortunately, PNC Mortgage didn't forward me the rejection XXXX XXXX, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that PNC Mortgage is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that PNC Mortgage is behaving this with me because I am a Minority, Person of XXXX, XXXX XXXX XXXX XXXX. I want CFPB to take action against PNC Mortgage for harassing People of XXXX & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act. 
I filed the above complaint before & PNC Bank N.A . responded that I should get 18 Months Forbearance only but that is not True. I should get 30 Months Forbearance as per XXXX XXXX Guidelines but PNC Bank N.A . made False Statement to CFPB & an Investigation should initiate against PNC Bank N.A . by Department of Justice for making False Statement to the Regulators.
Consumer complaint received 2023-03-17
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: 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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is using my home address for what appears to be a fake account, I do not have an account with BOA. In addition to BOA using my home address for this account the name on the account is XXXX  ( XXXX XXXX ). I've been in contact with a CEO of XXXX XXXX located in XXXX  and they do not have a BOA account ; BOA has an account setup for XXXX XXXX sending statements/correspondence to XXXX XXXX  . I've made several unsuccessful attempts to handle the matter with BOA and still get a statement/correspondence every month sent to my home address since XXXX.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (MT)

During the XXXX year I was billed for charges I disputed. Amazon/Chase would resolve it after I complained and credit my account. 
After this occurred several times including into XXXX I decided to cancel my Amazon XXXX account/Chase Visa card. I verified in XX/XX/2023 with Chase that my account had been closed and they would not/had not sent another Visa card to my address. In XXXX, I had my XXXX contact Chase Visa with my approval to make sure they had not sent another card. They confirmed they had not. 
Imagine my surprise and horror when, XX/XX/2023, I received another bill from Chase Visa billing me for over {$400.00}. I asked them to do a fraud investigation. They said they already had and determined, " I had benefitted from those purchases. '' All were through Amazon XXXX AND I NEVER ONCE received emails validating those purchases so I never, ever knew about them until a bill showed up. 
I filed an Identity theft and fraud charge with our local Sheriff 's Dept. Because the account had been closed in XXXX, they said I needed to file with the Federal Trade Commission which led me to this site.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

the company is a charge off company I believe they keep spoofing my phone number on two of my phones now what I was told it was for sam 's club and the company who bought their old accounts is portfoliorecov. I spoke with sames club who informed me I do not owe them anything. these charges occured after I had already cancled my card 3 months prior. they said I owed XXXX dollars so I paid them XXXX $ last month which was fraudulent and not even mine just to get them to stop calling me I have proof with my bank and they said they never got anything which is a lie.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (OH)

I went to XXXX XXXX ATM at XXXX on XX/XX/2023 at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I went to the ATM to withdrawal money from my ETRADE checking debit card ending in XXXX using XXXX ATM in the amount of {$500.00}. The money did not disburse, but the amount was deducted from my Etrade checking account balance. I was charged a ATM fee of {$3.00} for a total of {$500.00}. I had to wait til chase bank opened to inform them what happened and I provided the receipt. They told me I had to contact etrade. I told them all they had to do is pull up the video and they will see the money didnt come out. I contacted Etrade and inform them of what happened and they told me it could be 2 weeks before any type of resolution.I asked ETRADE if they will provide a provisional credit of the {$500.00} but they have not. My furnace is broke down and that {$500.00} was to get my furnace fixed. I just want my money back. I have a copy of the receipt also.
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (MA)

I called Truist Bank 3 times and was repeatedly hung up by a female ( same one 2x ) and a male 1 x. 

I explained i was having a financial hardship and I needed an extension. The first time the female hung up on me when i called back she hung up again. When i called again i got a male voice who took my information I explained the issue I was having and that the female hung up on me. At that point he said I'm going to put you on a 2-3 min hold and then he hung up. I could hear laughing in the background. 

the 4th time I called back I asked to speak to the manager. I got a woman name XXXX who said that they would do an investigation. I still did not get the extension even though I explain we were going through a financial hardship and there was a loss of income in my family. 

The bank showed they didn't care and were not willing to help or work with me and just repeatedly hung up. Im trying to avoid a repo. and I was just 37 days past due. 

It was the worst display of customer service I have ever experienced by a bank. If they are not willing to help their customers. I will find another bank who is.
Consumer complaint received 2023-12-12
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)

I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the Fair Reporting Act, these companies have violated my rights. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-12-11
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. (SC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and Experian are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The XXXX XXXX Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. XXXX XXXX XXXX ( b ). XXXX not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services.
Consumer complaint received 2023-12-11
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 USC 1681. 

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, has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-11
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. (NV)

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 USC 1681. I am not reliable for any debt with any creditors. I do not have any contracts with any of these collection agencies nor is there any signed paperwork stating I owe them any debt. They did not provide any original paperwork stating this. Delete these accounts immediately! Accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MA)

My direct deposit was changed to an account wasn't mine. The account was changed to a chime account that does not belong to me. XXXX is also doing absolutely nothing to help me get my paycheck. I am now out XXXX and no one seems to be giving a XXXX  XXXX. 

The account that has my stolen funds is XXXX. Its from XXXX XXXX.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

MOHELA is claiming that I missed a payment that they had already assured me would not be due. In XX/XX/2023, they tried to switch my loans from the REPAYE income-driven repayment ( XXXX ) plan to the XXXX plan ( a different IDR that replaced REPAYE ). But MOHELA processed the switch incorrectly and only switched the payment plan for XXXX of my eleven loans, and then tried to bill me for the full amount of a standard non-IDR plan for my payment due XX/XX/XXXX. I called MOHELA to sort out that problem, because at the time their website was telling me that my loans were somehow simultaneously in forbearance and had a full non-IDR payment due on the first of the month ( over {$1000.00}, as opposed to the XXXX XXXX XXXX  monthly payment I should owe under an income-driven plan ). I then called MOHELA to sort that out, and the representative I spoke to told me that the amount due shown on the website for XX/XX/XXXX was an error, and the loans were in fact in a forbearance while MOHELA got all of my loans onto the correct repayment plan. This representative told me that I didn't have a balance due on XX/XX/XXXX, and that I wouldn't be penalized because of their website error showing that I had that payment due while my loans were listed as in forbearance. Now, all of the loans have been put on the correct plan ( the XXXX plan ), and my amount due shown for XX/XX/XXXX looks correct, but MOHELA is telling me that I missed the XX/XX/XXXX payment that they had already assured me wouldn't be due while they sorted out their own incorrect processing of my loans ' switch from XXXX to the XXXX repayment plan. I can afford to pay them the {$230.00} they say I'm behind, but I will not tolerate them reporting or recording that I missed a payment, after their own representatives told me that the bill for that payment was in error and I didn't owe anything on it.
Consumer complaint received 2023-11-27
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. (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