davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

On XX/XX/XXXX, I consolidated my XXXX student loans that qualified for the Direct Subsidized Consolidation Loan ( DLSCNS ). My XXXX XXXX was XXXX of the XXXX consolidated loans. 

My Direct Subsidized Consolidation Loan was subsequently managed by Mohela ( Account No. XXXX ). 

I paid off my consolidated loan and Mohela sent me a letter, dated XX/XX/XXXX, informing me that I have achieved a " PAID IN FULL '' status. 

XXXX months later, however, after paying off my consolidated loan, the XXXX XXXX XXXX XXXX XXXX sent me a letter ( generated on XX/XX/XXXX ), which indicated that I have an outstanding loan ( Account Number XXXX ) with a " Payoff Amount thru XX/XX/XXXX '' of {$3700.00}. 

I have been paying off my consolidated loan to Mohela every month since XX/XX/XXXX. But the letter I received from XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX, was the first time in 14 years that I have heard from them ( XXXX XXXX XXXX XXXX XXXX ). 

Accordingly, on XX/XX/XXXX, I telephoned Mohela customer service ( XXXX ) and spoke to " XXXX '' in order to inquire why my XXXX student loan has not been paid off. XXXX informed me that she does not have the information and will have to do a " payment history request '' from Mohela XXXX XXXX department ; which will take about XXXX business days. 

As of this date, I have not received any correspondence, nor any other reply, from Mohela. 

Therefore, I am submitting this complaint to ask for help. The remedy I seek are as follows : XXXX ) for Mohela to give me the SPECIFIC NAMES of the XXXX consolidated student loans on XX/XX/XXXX ; XXXX ) when did Mohela pay my off my XXXX loan and where was the money sent? 

XXXX ) Mohela send a letter of proof/confirmation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan ( Account Number XXXX ) has been paid in full, and that this account is closed. 

I look forward to your response. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-03-31
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. (MD)

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. 

Account name : # XXXX XXXX - ACCT XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX ACCT XXXX XXXX Account name : XXXX XXXXXXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  -ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX ACCT XXXX Account name : XXXX ACCT- XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  - ACCT # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX  - ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX- ACCT XXXX Account name : XXXX XXXX XXXX XXXX - ACCT 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 2023-03-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (VA)

On XX/XX/XXXX, I called Salliemae and spoke with XXXX regarding my student loans. I explained my needs and Salliemae refused to work with me. I offered to pay {$250.00} this day, but they refused this payment and wanted my account balance up front. I tried their repayment option to lower my monthly payment, but they refused to acknowledge extra income that would have made me eligible. They withheld any other helpful options. 

On XX/XX/XXXX, I called Salliemae and spoke with a man. Name unknown. I requested my promissory notes for my loans. He said to keep an eye on my email for the next 24-48 hours. No documentation was received. 

On XX/XX/XXXX, I called Salliemae again. I did not receive emailed promissory notes as requested. I called to confirm my request was made. I spoke with XXXX XXXX who told me the promissory notes would take 5-7 business by mail. Again, no documentation was received. 

On XX/XX/XXXX, I called Salliemae again. The 5-7 business days had passed and I received none of the requested documentation for my loans. I spoke with XXXX XXXX and explained this. I asked why I didn't receive my promissory notes, and he said that it " isn't a big deal '', that I " should take accountability '', and just pay what's due. I requested documentation again. None was provided at all to prove my loans even exist. I believe Salliemae has lost my original loan documentation, promissory notes, and paperwork to prove my loans exist. They have engaged in threatening behavior and harassment to get payment for which they refuse to prove. They refuse to work with me at all. 

On XX/XX/XXXX, I had a certified letter with a tracker mailed to Salliemae. The letter was scheduled for delivery on XX/XX/XXXX. I stated multiple times over the phone and in this certified letter that I would not be paying anything until they give me requested documentation. I requested multiple times that this not be sent to credit bureaus and to collections until they can prove the loans and give me paperwork. They have refused my requests over and over. This is damaging my credit score significantly due to their unethical practices. 

On XX/XX/XXXX, I went on the Salliemae app on my phone. The app showed there are NO loans origination documents for my student loans. 

The week of XX/XX/XXXX, I disputed Salliemae loans on my credit reports through XXXX, XXXX, and XXXX. I am happy to comply with this dispute, and to have this inaccuracy and unethical behaviors investigated. I can supply supportive documents upon request. Thank you.
Consumer complaint received 2018-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX sold a XXXX XXXX XXXX to myself with a co-signer XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, they claim that I would have to sign a NEW CONTRACT and a NEW PROMISSORY NOTE ( # 2 ). We both resign the contract and I noticed that the original creditor never signed to contract anywhere. I tried to endorse the NOTE " Pay to the Order of the United States of America without Recourse '' originally but the resign was all electronic so i was not able to make the endorsement of the NOTE as I am the MAKER and Owner of the NOTE. The account was sold to CREDIT ACCEPTANCE CORP. I sent DEBT VALIDATION DOCUMENTS demanding that they validate the DEBT and they have failed to do so to this date. The COLLECTION AGENCY admitted that they didn't HAVE THE ORIGINAL PROMISSORY NOTE and I concluded that they do not have the RIGHTS or STANDING to collect the debt. On XX/XX/XXXX, CREDIT ACCEPTANCE CORP tried to ILLEGALLY REPOSSESS THE VEHICLE, resulting in myself hiding the vehicle until they can legally VALIDATE THE DEBT. I have recorded conversations with COLLECTOR where they claim they have a signed contract between myself, co-signer and CREDIT ACCEPTANCE CORP and have failed to produce any proof of a VALID AGREEMENT AND/OR CONTRACT. They are in DISHONOR!
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My employer uses Bank of America ( BOA ) as the vendor to service XXXX and XXXX XXXX payments. Bank of America issues one credit card to service both areas : XXXX and XXXX XXXX, however, they are separate buckets for tax and reporting purposes. When you use the card it is supposed to be able to decipher on the transaction by transaction basis which bucket the transaction 's charge should go to, however, the system is not working. It does not allocate my transactions correctly which is a huge problem for tax purposes. When I try to get the issue corrected, BOA says that there is nothing that they can do. They say that they are not allowed to correct the allocation issue. 



I have tried to work with XXXX from BOA who then transferred me to XXXX. They are not allowed to fix their issues. It just becomes a consumer problem. 

Date : XX/XX/23 payment to The XXXX XXXX XXXX for my daughter 's therapy. 
Transaction Amount : {$350.00} Action Taken : NONE ( I was told that there is nothing that they can do )
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX, XXXX XXXX account 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
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (TN)

In XXXX XXXX I went into the hospital for XXXX XXXX XXXX. I was in for 4-5 days.I got out of the hospital and within 2 weeks I collapsed with XXXX at a urgent care center. I was diagnosed with XXXX and was ambulanced to the local hospital. I was in emergency for 2 days and a room for 2 days. With all of this happening to me, my spouse also had contracted XXXX. When I came home on the XXXX of XXXX because of my XXXX about not being late on bills we contacted Discover card and paid the monthly payment of {$55.00}, what was due. The late fee was already in the system and was waved that day. Never missing a payment I was happy. When the bill came for XXXX I see that the {$30.00} late fee was added. A reminder, this payment was due XX/XX/XXXX and I paid XX/XX/XXXX, 3 days late. I called Discover and they told me that the charge had been removed and it would show the next month so I paid what was due, {$55.00}. All of a sudden when I contacted Discover because they had added {$30.00} each month which could never be explained. I have continued to pay {$55.00} each month and they Discover continue to charge a late fee each month on this {$30.00}. As a matter of fact I have chatted with them may times which they say is on record to get explanations. Through all of this I was tempted to cancel this account and the person got irritated with me, ask me if I wanted to cancel and when I did not answer, he cancelled without my knowledge. I was told by Discover that he had no right to do that, I had done nothing wrong but it is still canceled. In addition if you look at the chats you will see that there is another {$20.00} that's been charged for a long time that I was not aware of and they really can't say why. I have been a good customer and am up to date with payments but I will not pay something I do not owe. To date, they are continuing to charge a {$41.00} late fee, still have my account closed and have upped my interest rate since this issue started. There are numerious chats for the record that they have and tell me I can not get a copy of the chats. They have sent emails wanting me to call to assist me with this issue and when I contact them they say they can't assist until I accept the late fees and I will not. FYI, One of the MANAGERS told my wife that if we had not gotten XXXX this probably not have happened. When my wife asked he if she thought this was out fault she said, well you got sick. We are in our XXXX XXXX and this is horrible. I hope you can help. I continue to make my payment each month to this day an the {$41.00} late fees keep adding up. Thank you XXXX and XXXX XXXX
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.
Consumer complaint received 2023-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IN)

In or around XX/XX/XXXX I sent a formal dispute to Credit Collection Services ( CCS ) for an amount of {$200.00}, they have never verified or shown any proof of any contract I have or had with them or to pay them. They are trying to collect a debt and put a debt on one of my credit reports, thus violating the FDCPA and the FCRA. CCS continues to respond with bills to " settle '' the debt that is not owed to them and solicited me. Their practices are ridiculous. I sent another letter in XX/XX/XXXX further informing CCS they have failed to verify the account was not sold to them and or any contract with my signature binding me to pay them for the alleged debt. I have a receipt CCS signed for my letter on XXXX XXXX, XXXX. They can not provide any documentation proving I legally owe them this debt. CCS is in violation of Defamation and violations of FCRA and FDCPA. The attached documents are of CCS soliciting me with discounted rates and further validating that i do not owe them. My dispute letter is also attached.
Consumer complaint received 2023-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (CA)

I am writing to formally lodge a complaint against NCB  XXXX XXXX, a debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I recently received communication from NCB XXXX XXXX. in the form of an invoice and a copy of a bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : 1. Failure to Verify Debt : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy. 2. Expired Statute of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, NCB XXXX XXXX, is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards. XXXX. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim. XXXX. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( XXXX XXXX. XXXX XXXX. Company has no Contract between XXXX XXXX and NCB XXXX XXXX, I kindly request that the Department XXXX XXXX XXXX and XXXX thoroughly investigates this matter and takes appropriate action against NCB XXXX XXXX. if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole. I am attaching copies of all relevant correspondence from NCB XXXX XXXX, as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer. Thank you for your time and consideration. Sincerely, XXXX XXXX
Consumer complaint received 2023-03-02
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. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbersXXXX Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX XXXX Account NumberXXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX XXXX Account NumberXXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account is too old to be on credit report. First date of delinquency is incorrect. Account was opened in XX/XX/2016 and no payment was ever made and it was sent to collections.
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (CA)

I had emailed NelNet on their website before XX/XX/2023 to request a refund on my student loans during the pandemic. I didnt receive an email back or phone call. So I called today was on hold for 2 hours and 17mins just for them to tell me that the request for the refund ended XX/XX/2023. I mentioned that I had initially requested that on email before the deadline and they were not able to help me. The reason why I emailed because of the fact I had to wait on the phone that long and I cant do that during work hours. My email that I sent should count for them to initiate a refund.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NC)

XXXX XXXX is you available employee have Ben very rude and nasty I've given my information to someone over the phone and through email multiple times I was told to write first and last name today 's date last four digits of social security number attached you with ID on paper with a selfie I have done this several times it's been 3 months and my information is still not updated on my account I don't have access to the app So every time I call I have to repeat the old information my old address my old email address my old phone number that I'm no longer using is been 6 months it's going on 7 months I have a whole new phone number whole new email address whole new address have given it to your employees several times and they tell me wait 2423 hours work 33 hours it would be updated it's been 4 months and my information has not still been updated in the system you employee decided to cancel my account with out my consent I have no way to get my money off my card