davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

For years I have been in an XXXX ( income based repayment ) program ( historically XXXX ). I am also participating in XXXX. After the release of the XXXX program, I applied via studentaid.gov and linked my tax information. This information was received by my loan servicer ( MOHELA ) on or around XX/XX/2023. On or around XX/XX/2023, I contacted MOHELA to inquire about the application 's status. The agent told me that it was still in process and would be addressed and processed on a first come first out basis. In the meantime, I was told, I would be placed in administrative forbearance. At that point, I inquired if I could just pay the monthly payment ( so that it would qualify for PSLF ) that had been calculated in my account ( around {$350.00} under the XXXX plan ). I was transferred to the regular line and eventually hung up because of wait time. On XX/XX/2023, I called MOHELA again. I waited XXXX minutes for a call back and was connected with an agent. I let the agent know that I was hoping to either XXXX ) expedite the processing of my IDR application for XXXX or XXXX ) get rid of forbearance and pay the rate under the XXXX plan so the payment would qualify for XXXX. The agent then informed me that I was no longer on a XXXX eligible repayment plan and had been moved to the " Levels '' plan. The agent then hung up on me after stating she was going to put me on a brief hold. I called back again, waited around XXXX minutes, and was connected with another agent. This agent informed me that my IDR application for XXXX for lack of documentation, despite the fact that I had : XXXX ) never received notice that it had been denied or that I needed to provide more information ; and XXXX ) had submitted my application on XXXX, linking my tax information. The agent confirmed that I had been placed on the " Levels '' repayment plan, despite the fact that the studentaid.gov account info on my loan 's lists me as still being on the XXXX program. I was transferred to another agent who informed me that my loan repayment due date had also been changed from XX/XX/2023 to XX/XX/2023 without notice. This agent assisted me in resubmitting an XXXX application for XXXX -- I provided the same info as what was provided in my initial application at XXXX. This agent also let me know that my XXXX non-payment ( because I am in forbearance ) would not apply to my XXXX count. She said something like " in the scheme of things, it is only XXXX month. '' My grievance : changing repayment plans and due dates without notice and a staff that is not actually able to resolve issues/change anything. This company should not be handling federal student loans if they can not handle them.
Consumer complaint received 2024-07-02
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: CITIBANK, N.A. (NJ)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (TX)

I have applied for PLSF prior to XX/XX/2022. I have the required XXXX payments and yet done loans showing XXXX payments remaining and XXXX payments remaining. I show XXXX ineligible payments that should be counted towards eligibility.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

In XX/XX/XXXX, I was under the impression that I needed to submit a new XXXX verification to resume student loan payments in XXXX and, as such, I submitted my application to mohela. They denied my application stating that my new payment would be higher. 

I then asked for a letter regarding my payment amounts so I could submit it to my mortgage company as I am in the process of buying a house. They provided me with that letter and stated my payment amount was valid until XX/XX/XXXX. 

Shortly thereafter mohela increased my loan payment without any pending application before them. I am also confident they have calculated my new payment amount incorrectly. 

I brought this to their attention and requested a reinstatement of prior payment. They submitted an application which remains pending now several weeks later. 

I brought this to their attention and emphasized that time was of urgency so I could close on my new home. They have still yet to make a decision on the request. Meanwhile, they have also placed me on forbearance which now jeopardizes the purchase of my new home.

Additionally, placing me on forbearance deprives me of the opportunity to make payments and extends the length of my repayment period.

I have tried calling them on numerous occasions and Im almost never able to speak with anyone, let alone anyone with any actual training that can help resolve my issues. For example, today I was hold for over 4 hours and was not able to speak with anyone.

At this point, their actions are potentially costing me thousands of dollars and I am being penalized to no fault of my own.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, My underage daughter had a teen checking account with Wells Fargo Bank. I, her mother, was named on the account as required by the bank. She was involved in a fraud situation ( several Wells Fargo customers had been victims of the same scammer ) that drained/overdrafted her Wells account by about {$3000.00}. We settled with the bank a Wells representative offered us the option to share the responsibility so we made good on the money owed ( about {$1500.00} ) and the representative NEVER suggested that this settlement would cause longer-term problems. But Wells and other institutions have flagged her through XXXX XXXX XXXX and not one will let either of us open accounts. This is disastrous for a new college kid with a good and responsible track record. We have submitted disputes through XXXX XXXX XXXX and Wells returns to say they will not overturn the flags. XXXX then recommended we we reach out to FTC and CFPB in this matter. All we want to do is get her back on her feet with a bank account ( I can submit another record in her name ) but this affects my record as well so XXXX seeking to get myself cleared as well. We are not dishonest people. We pay our bills and have proven ourselves to be successful and responsible individuals. Some person took advantage of my daughter and our financial health is compromised simply by way of the inability to open a basic bank account. Desperately hoping to find help.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (GA)

in accordance with the fair credit reporting act these creditors have violated my rights. XXXX XXXX XXXXXXXX XXXX account number : XXXX on XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, closed account with no account number. XXXX XXXX & XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX XXXX account number : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX  account number : XXXX. XX/XX/XXXX address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX account number XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX XXXX  account number. XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX account number : XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) MOHELA/DEPT OF ED, account XXXX. address : XXXX XXXX XXXX XXXX, MO XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions. 15 US Code 1681A definitions ; rules of construction - exclusions. -- - except as provided in a paragraph the term " consumer report '' does not include -- any report containing information sole as to transactions or experiences between the consumer and persons making the report. Under 15 USC 1666b : a creditor may not treat a payment on the account under an open-end consumer plan that's late for any purpose. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2023-10-25
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)

I am a victim of identity theft and there are two accounts that are reporting on my credit that is not my accounts along with some inquiries.I have taken notice that someone has been using my information to obtain credit in my name. I also attached my police report to support this statement. The accounts are : XXXX XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXX- {$1100.00} Inquiries : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX 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 2023-06-16
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: EQUIFAX, INC. (IL)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am writing this letter to dispute the following XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Consumer complaint received 2020-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

On XX/XX/XXXX, I received a welcome email from Chime ( XXXX ) about a new account opened in my name. I did not open an account with Chime nor have I ever heard of the company. On XX/XX/XXXX, I received a follow up email saying a card has been shipped to an old address of mine. I have them received multiple emails in the beginning of XXXX stating that money is being sent and received, but I do not know any of these people and I did not authorize any of these transactions. 

I am extremely concerned about what is going on and when I try to contact Chime, I am unable to get ahold of a representative for clarification.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (MS)

The following companies have made reports on my credit and shared personal data that was not consented to report, share or make public on my credit report. I have not given written nor verbal consent to any company to share, collect, sell or use my personal information on a credit reporting. This is a violation of 15 U.S. Code $ 1681c-2 and 15 U. S Code 1681b
Consumer complaint received 2023-07-07
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. (MI)

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.

has violated my rights. Or list of inquiries 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 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with Transunion through arbitration.
Consumer complaint received 2023-09-08
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: DISCOVER BANK (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-07
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. (CA)

I nave been trying to challenge this debt and receive written verification of a debt from a debt collector for more than 10 years. it never goes away. I have no idea what is this related to.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC (OK)

I was gone away from home for 36 days. Someone broke into my house while I was gone and made thereselves at home. My new debit card came in thr mail. They opened it, activated it, and used it. Charging over {$550.00}. I reported fraud that day. Sent in information the next day, which included police report, confession from the person that did it, and states attorney filing charges for burglary in the first degree on yhe people responsible. But Dave refuses to refund the missing monge and says the user wad authorized ... that's bs!!
Consumer complaint received 2023-11-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

My name is XXXX XXXX and I am a Paypal customer with email address XXXX PayPal locked my account 26 days ago and asked for certain information and documents to unlock which I have provided but they have not unlocked my account.

I want PayPal to fix things right for me
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITY NATIONAL BANK (OK)

We lived XXXX  & had City National Bank in XXXX credit card. Moved to XXXX in XXXX, kept the XXXX credit card. Used the CNB cr card until CNB sold some of their banks to XXXX XXXX XXXX around XXXX XXXX XXXX Just after the CNB cr card balance was transfered to XXXX XXXX XXXX  XXXX sent a vendor refund to us back to the closed CNB credit card used on the original XXXX payment. Since then we've received CNB cr card statements with a credit balance of {$41.00}. In XXXX I called the old CNB XXXX XXXX  XXXX Bank & asked that CNB pass the XXXX refund on to the new credit card at XXXX XXXX XXXX or a check refund direct to us in XXXX  They said they could not. We received a CNB {$41.00} ck dated XX/XX/XXXX with a letter, CNB refunding the credit balance on the closed cr card. XXXX deposited at our local bank but CNB claimed " non conforming image '' and wouldn't clear the check for our bank. Our bank charged us {$10.00} & reversed our {$41.00} deposit. I called CNB customer service number on the cr card statements and they said that was their error & we should redeposit their check. We did, and again CNB would not clear the check & our bank reversed the deposit & charged us another fee. CNB tried to print better refund cks, but they are not good enough to clear. CNB won't issue a DB card for the refund or electronic transfer direct to our bank. " Refund '' check expires XXXX CNB is in XXXX XXXX XXXX XXXX too far for us to drive from XXXX  to cash in person. Help
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AutoNation Enterprises Incorporated (WA)

I purchased a vehicle from XXXX on XX/XX/year>. Living in Washington, I was in constant communication with the dealership. Over the phone, I informed XXXX XXXX that I planned to use my own financing due to a better rate. XXXX stated that all financing must be handled in person. To ensure the vehicle would be held for me, I provided a screenshot of my plane ticket from XXXX to XXXX at XXXX 's request, and he assured me the car would be held. 

Upon arrival, I began working on the financing with XXXX XXXX. XXXX claimed that due to a cyber attack on their associated company, I could only use AutoNations financing. I explained that my financing was with XXXX XXXX XXXX XXXX and requested he verify my check by calling them, but he refused. XXXX  then stated it was company policy not to accept outside financing. When I asked to see his manager, I was told the manager was in a meeting. XXXX made it clear that if I did not use their financing, there would be no deal. Given that I had flown from XXXX, I felt pressured to proceed with their financing. 

During the contract signing, XXXX  omitted the {$3000.00} rebate I was eligible for, which was previously shown in the pricing menu. This appeared to be an attempt to take advantage of my frustration over the financing situation. As of XX/XX/year>, I still do not have access to my financing account, raising further concerns about the honesty of the transaction. 

I am extremely dissatisfied with the deceptive and unethical handling of this transaction. I have since contacted other AutoNation dealers who confirmed that accepting outside financing is not against company policy and would not have been an issue.
Consumer complaint received 2023-03-14
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Dept of EducationXXXX XXXX XXXX Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S.C. 1681S-2 ( A ) ( 1 ) ( E ) ( i ) Rehabilitation of private education loans, this loan has completed the rehabilitation process.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (IL)

Chyme is an unethical company. Ive tried many times reaching out to have my name change on my car for the past two weeks nothings been done. They said they change my name but Chyme is an unethical company. Ive tried many times reaching out to have my name change on my car for the past two weeks nothings been done. They said they change my name but the name on my account is still wrong. They sent me out a card the card name is still wrong. Its been nothing but a hassle and a headache dealing with these people. They cant route to resolve a simple issue. I cant receive or pay any bills because the name on my card is wrong.