davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (WV)

My XXXX  credit report states that MOHELA is reporting Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan account. I am unfamiliar with the dispute which MOHELA is referencing. I do not dispute the account information listed on my credit report. 

It should be noted that this is a recurring issue. I have gone to great lengths attempting to resolve this problem directly with MOHELA and XXXX. MOHELA stated in an email to me that it submitted a request to XXXX to remove the comment on XXXX XXXX XXXX and that I should expect an update within five business days. That email is attached. I have attempted to resolve this issue with XXXX directly to no avail. 

I previously filed a complaint against MOHELA and XXXX with the Consumer Financial Protection Bureau on XXXX XXXX XXXX  concerning this issue. The complaint number was XXXX. I also previously filed a complaint against MOHELA with the XXXX XXXX XXXX MOHELA responded to my complaint with the XXXX XXXX XXXX  on XX/XX/XXXX. That response indicated that a request was submitted to XXXX on XX/XX/XXXX, to remove the comment. This response is attached. 

I withdrew my complaint against MOHELA and XXXX with the Consumer Financial Protection Bureau because the comment was removed from my XXXX credit report ( for a time ). However, I accessed my XXXX credit report today, XX/XX/XXXX, and discovered that the comment has reappeared. I obtained my XXXX credit report directly from XXXX itself, rather than a third-party app such as XXXX XXXX XXXX I would like this comment removed from my XXXX credit report.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I applied for Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX. At that time, I applied for consolidation with a direct loan lender, Mohela. My prior loan servicer was XXXX. I have worked for a qualifying PSLF employer since XXXX and have made over XXXX qualifying on-time, income based payments from XXXX to present. On the Mohela website, there is a gap of unaccounted monthly payments from XX/XX/XXXX to XX/XX/XXXX and only XXXX of the XXXX payments I have made toward my student loans have been verified. I provided proof of payments through my prior servicer XXXX. Mohela continues to state that they are waiting for updated payment counts from federal student aid ( FSA ). I submitted a PSLF reconsideration request with FSA on XX/XX/XXXX and never received a response. XXXX representatives state that they have updated the loan servicer and the complaint is closed. I'm incredibly frustrated because I have made more than XXXX qualifying payments and now that we are entering repayment, I do not know what to do regarding my student loans, which should have been forgiven. It seems like the XXXX entities, Mohela and XXXX are not communicating with each other. I have called Mohela at least XXXX times since XX/XX/XXXX to try to get this resolved and have been told to be patient. There is a clear error somewhere and the XXXX entities need to clear it up.
Consumer complaint received 2017-09-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NJ)

My initial loan in XX/XX/XXXX was with XXXX, then XXXX XXXX XXXX now Seterus. XXXX put me into a XXXX loan with escalating payment resulting in a refinancing after less than 6months in XX/XX/XXXX. This cost me additional closing cost immediately deminishing all equity in the home. As an equity loan was taken to pay the additional closing cost. This began the spiraling downhill financial strain I now face today. At the time of the initial mortgage, I could sustained the additional cost at that time as I was employed full time. InXX/XX/XXXX I lost my full time employment and eventually was unable to keep up with the mortgage. I reached out to XXXX XXXX XXXX, the initial modification and it was granted. I resumed payments when I secured a fulltime position inXX/XX/XXXX, but unfortunately was laid off in XX/XX/XXXX. The second ( {$1100.00} ) and third modification ( {$1100.00} ) were basically the same amount and did not provide the relief in financial burden that could be sustained. I have since secured employment and reached out to Seterus since XX/XX/XXXX to present and have been consistently denied for a modification although the value of the home has been in an upside down position for the past 8 years. The taxing authority in the township has acknowledge the decrease in value, other home sale in the area have been tippering in the range of {$80000.00} to {$140000.00} and yet the mortgage company refused a request for principal reduction and/or modification claiming among other reasons, " interest rate not fixed rate '' when they were the one who took away the fix rate and offered an adjustable, which I was unaware of.
I have XXXX XXXX in XXXX and XXXX in XXXX XXXX and have been a XXXX mother working all my life to maintain a home for my children and I. Unfortunate circumstances beyond my control have brought me to this point, however I still a wiling to pay the mortgage, just need one that is affordable and does not cause such financial burden.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX Chase closed my accounts ( over 20 years ) without giving me any reason, without letting me know, no emails, no papers and wont discuss this issue with me and the reason why they closed my accounts, checkings and saving, spoke with them twice and both times I was told nothing ( they cant discuss that information about me, with me ) Now I have bunch of returned bills and mortgage fees which were on automatic payments and late fees, because of their actions I have to pay all those late fees and spend hours and bunch of phone calls to fix their teams incompetent decision.

Thanks for the help
Consumer complaint received 2024-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

Someone with unauthorized access to my account added a linked bank account and withdrew {$9900.00} without my knowledge or consent. I did not provide my password to anyone and did not request the withdrawal. I notified XXXX immediately that there was an unauthorized withdrawal. XXXX negligently allowed that withdrawal to go through without any review or waiting period. XXXX has not implemented appropriate processes and controls for XXXX withdrawals. They have refused to acknowledge that they have duties under Reg E, and have tried multiple times to get me to indemnify the bank in order to get my dispute reviewed and processed. They have refused to answer any of my requests for information and took a week to acknowledge receipt of my signed copy of an unauthorized withdrawal form that they asked me to complete. They have not offered a provisional credit and have conditioned investigation of the dispute on my indemnifying the bank.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

Lexis Nexis posted Bankruptcy and Lien records on my credit report. On several disputes via CFPB, I've asked for source of information and all I have received is a response saying that the information is accurate, case was closed with no opportunity for me to respond. I in turn emailed the court, whom is the only place that could provide information, and they said that they do not provide information to credit bureaus. I would like for Lexis Nexis to provide source of information.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

I have tried several times this year to speak with customer service about incomplete information and confirmation of XXXX application. Also, on the online portal they are claiming I have a duplicate formwhich there is no reference or copy of the original form for XXXX. 

Finally, my college has submitted a form for deferment a month ago and my account has not been updated. I should be in deferment but they are still requesting payment. 

Ive sent messages through their contact portal and it says to expect a return message within XXXX business days and I have yet to hear from someone to correct, confirm, and discuss my account.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (IN)

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 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 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Mohela, my loan servicer, has given conflicting information about when my loan forgiveness form will be processed and when my loans will be XXXX. The site says 30 days and one representative told me two weeks. Another told me 6 months. This is very time sensitive as the well being of my family depends on my loans being XXXX timely. I am also pregnant and this is causing me stress and affecting my ability to take my maternity leave. Although it is fully documented that i have XXXX payments, i dont fully trust that Mohela will live up to their promises given their numerous miscommunications and failure to respond to emails which they say they will respond to within 3 days. Therefore, i am hopeful and would appreciate the CFPBs assistance in resolving this issue in a timely manner.
Consumer complaint received 2022-10-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (OR)

Over the last several years we have had numerous difficulties and limited options for loan repayment via Sallie Mae. Our Loan originally had a cosigner in XXXX, our cosigner was a family friend and she passed in XXXX from XXXX. The company required us to supply them with a death certificate to have them removed from the loan and we were told that we were not eligible for any additional loan repayment options or programs until the cosigner was removed from the account. Since we were not direct family with our cosigner we had extreme difficulties obtaining a copy of their death certificate which resulted in us requiring alternative loan deferment options during which Sallie Mae was charging predatory interest rates of over 10 %. My original loan amount was {$13000.00} and now the loan amount is over $ XXXX just from the interest that was charged while I was still in school from XXXX and in a XXXX XXXX  XXXX. 

We finally got Sallie Mae to remove our cosigner in early XXXX, which we were told would allow for additional options for loan repayment support. That was a lie, Sallie Mae reported that the only options for support were additional forbearance or interest-only payments which are only limited-time options and do not actually support our ability to pay down the loan. We can not afford a {$1400.00} monthly payment, and they are charging an additional {$200.00} a month in interest. At this point, we feel like Sallie Mae is setting us up for failure and loan delinquency, it feels like they have no intentions of supporting us in repaying their loan. There has also been no additional support or relief options provided since the COVID-19 pandemic started and have been continuing to charge more and more interest at a predatory rate.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX ( Original Creditor : 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 an account without my written instructions.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

My credit used to be excellent. 
Then COVID 19 impacted my business in XXXX. 
And my sweet wife was diagnosed with ALL XXXX in early XXXX of XXXX. 

With my wife 's diagnosis, it took what little finances I had ( after scraping through COVID ) to get the right help, and as her sole advocate, took all of my time and energy to get her through. 

XXXX was spent mostly at her bedside, and planning for the worst, as she relapsed several times. 

Finally, at the end of XXXX of XXXX, after several relapses, my wife was given a XXXX XXXX Everything went wrong, she fell into a XXXX  for XXXX, but eventually made it through, and is now one of XXXX % on earth to ever survive the ordeal. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. She returned home in XX/XX/XXXX. 

The back-to-back experiences of COVID and then my wife 's illness, took a severe financial and emotional toll on my company, myself, and my family as I fought to keep everything together. 

Financially, after a flawless track record for many years of repaying all of my debts on time, I was down to {$0.00}, with myriad medical expenses, children, rent, and other bills to keep up with. My vehicle was repossessed in late XX/XX/XXXX by Chase Auto after falling only 2-months behind.

Unfortunately, despite my stellar track record of repayments, and only falling 2-months behind, my Chase Sapphire Credit Card account that I have had for many years, was cancelled and sent to collections. I have other credit cards that were closed for the same reason, however the bank ( XXXX @ {$10000.00} ) offered me a payment plan ( $ XXXX ) that I can manage, and even stopped charging interest, reversing all late fees. 

I have spoken to Chase Sapphire several times and explained my circumstances in great detail to several of their representatives. However, they refuse to offer any reduced payment terms, and also refuse to make any allowances with regard to interest or fees being charged. They want it ALL no matter what, and have even placed seriously derogatory remarks on my credit reports in an effort to coerce me. 

My Chase Sapphire credit line was {$15000.00}. While I don't believe I used my entire credit line at the time of the account being closed, Chase have continued to add interest and fees to the amount of over {$3000.00}. FDespite my repeated explanation of circumstances and Chase representatives call incessantly - even TWICE today alone. 

99 % of the time, when I answer, there is a long period of silence and noone on the other end. I hang up after 30 seconds of complete silence, and then Chase Bank list it as an attempt to collect a debt that I have ignored, and been uncooperative.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/21 our checking account was compromised by fraudulent activity and within 15 minutes without our knowledge and any alert from the bank, Citibank, our funds {$31000.00} were cleared out leaving a {$1.00} balance. We contacted our bank Fraud Department and completed police report for the identity theft. 
At no point bank department either stopped or alerted us of fraudulent activity.
Consumer complaint received 2023-09-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (TX)

Debt was paid off in full XX/XX/2019. Carmax has inaccurate accounting Carmax is reporting the Charge off of XXXX. Carmax is documenting a charge off dated XX/XX/2019 of XXXX. Carmax refuses to help me resolve this issue.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (VA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2024-06-20
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX XXXX XXXX XXXX XXXX my USAA credit was charged with the amount {$500.00} from an unknown institution called XXXX XXXX. I reported the charged immediately to my credit card department usaa and they credited me with the same amount and said they will find out what happened. On XXXX XXXX XXXX XXXXXX/XX/year> the same amount left my credit card again the second time now its showinXXXX XXXX XXXX and I reported it to my credit card company usaa and they said they took their money back because they could not determine any fraudulent charge or activity. I requested from them to tell me who now made the transaction and where was it made. They said it was made from XXXX but can not tell me who made it. They have refused to attend to me since then and refused to credit the money back to my card. They have breached the trust and security I have with them and will no longer use their credit card but they need to issue my money back to the account. Attached are the transactions. 
XXXX XXXX
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Payment History is incorrectly reported. My credit reports state that I have not made a payment to the account since XXXX of 2022. This is incorrect. I have attached my payment history from the company website.
Consumer complaint received 2023-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (NY)

My name is XXXX XXXX, this communication is notice of dispute under the fdcpa. This alleged debt communicated by and through H & R ACCOUNTS, INC is not mine and I refuse to pay this alleged debt. I need some form of verification or a copy of a judgement in connection with this alleged debt. Failure to provide this information shall result in a cease and desist of further communication unless its to notify me that you are ceasing communication. 
Reference number # XXXX Account number # XXXX.
Consumer complaint received 2023-05-15
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. (GA)

I live in XXXX  and who ever stole my identity has used these card in a different state the lady at customer service said they were never used in XXXX. I now my wallet was stole out my car at the park some time ago. The police came out and took a report and the ins company fixed my window.
Consumer complaint received 2023-06-17
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. (GA)

This account does not belong to me. 


15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.