davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

I pay my monthly balance, {$150.00}, to Aidvantage each month. The first few months of my payments in XXXX, XXXX, and XXXX of XXXX were made without problem. However, starting in XXXX of XXXX, I had a problem with my payment. I made my payment as normal and received email confirmation. Everything was fine to my knowledge. However, when I went to pay my statement in XX/XX/XXXX, I saw that I had a past due balance of {$150.00}. This did not make sense to me, as I had paid and received email confirmation. Upon further searching on the website, the payment history showed a " payment reversal. '' I never requested a payment reversal. Looking at my bank account history, there was never an attempt to charge me for that payment. I assumed it was a fluke, and paid for both months. However, I then got an email later in XXXX that alerted me that I was behind on my payments. The Aidvantage website showed payment reversals for those additional payments. My bank account is the same from when I initially made successful payments in XXXX, and my I have sufficient funds. Reaching out to Aidvantage is fruitless, as their online chat option is either unavailable or unable to solve the problem. Calling leads to one being on hold for over an hour. My online research has revealed that this is a problem for countless others. I do not want to accrue any additional interest or risk this impacting my credit.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC (NM)

I received my XXXX 1098 which showed a payment total for hazard insurance in the amount of {$7200.00} and an adjustment from {$1800.00} for my monthly loan amount to {$2000.00} to pay the difference. I immediately contacted LOAN DEPOT both via phone and via email in late XXXX, with multiple follow ups throughout XXXX. 

However, I was never properly notified of the amount of the placed forced insurance, receiving on letter stating it would be around {$3000.00}. Yes, I had XXXX months of overlap and got insurance coverage in XXXX, however per CFR I should have been refunded the difference but only was refunded just over {$2000.00} ( which, is not reflected on my payout amount difference on my escrow statement ; it still shows the {$6100.00} ( for forced insurance ) and {$1100.00} ( for insurance I purchased ) approximate amounts, totally {$7200.00}. 

I have gone around multiple times trying to explain this. My tax information reflects the correct amounts ( approximately ) of the actual payout minus supposed refund, which is {$4600.00}. 

In response to why I was charged over {$6000.00} for insurance, they stated they had not proof of cover from XX/XX/XXXX - XX/XX/XXXX ( which they did receive in closing ). Again, I NEVER received a letter or notification of this ; they just added the coverage. In response they also said they are still trying to get ahold of the insurance company, but haven't been able to? I have copies of all correspondence. LOAN DEPOT has taken complete advantage of me and I feel they think I am ignorant and incapable of following up with this. They have been rude, placed undue stress on me, and are not willing to understand or assist. 

I know the rules and regulations per CFR and what they are required to inform me of and when, and they have been negligent hoping this goes unnoticed.
Consumer complaint received 2024-02-23
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

Received a letter to my husband XXXX XXXX on XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX application was filed with Wells Fargo and Wells Fargo unable to provide benefits at this time due to not receiving documentation within 12 months at end of military period of service and based on information we provided and the XXXX XXXX XXXX XXXX database we are not eligible for benefits because our account was opened after our military service start and/or end date or closed and paid in full prior to our military service start date. 

My Wells Fargo Home XXXX Card Number for XXXX XXXX is XXXX The big issue is we NEVER filed a XXXX  application to Wells Fargo. We are veterans but got out of service in XXXX in XXXX and DID NOT even have Wells Fargo. We did not get Wells Fargo until somewhere in the year of mid XXXX. The account that Wells Fargo is referencing is a Wells Fargo XXXX XXXX XXXX that my husband has and I have XXXX also. The home project cards are the ONLY accounts we have with Wells Fargo. We DO NOT have checking, savings, CD 's, bonds etc. We don't understand what generated these letters from Wells Fargo. I reported it as fraud, to Wells Fargo. A personnel at WF states someone filed a XXXX application under my husbands name but WF Fraud could not find one. WF Fraud Division has no idea why we got these letters from Wells Fargo. My husband got a voicemail message about a loan application but caller did not say name or who they represent. My husband was afraid to return phone call. We are afraid we are being victims of fraud and don't know if we should go to police since Wells Fargo don't know why they sent the letters???
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation (IL)

I never requested credit protection. The company has been taking it out seemingly for XXXX years. I asked the company to stop but they continue to charge me a {$5.00} a month. The interest has increased rate from XXXX to XXXX. I accept the credit at XXXX. The company refused to change the rate. Increased maintenance fee rate from XXXX to XXXX.
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)

This is my several attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$730.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00}, XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I am reaching out to bring to your attention a distressing and frustrating situation concerning the mishandling of my student loan discharge by MOHELA ( Missouri Higher Education Loan Authority ). I believe my experience highlights potential systemic issues that may impact numerous individuals nationwide, necessitating urgent inquiry and intervention. 

In XX/XX/XXXX, I received notification from MOHELA that my loans had been forgiven under the Public Service Loan Forgiveness ( PSLF ) program. However, I subsequently discovered that while my graduate loans were appropriately forgiven, my undergraduate loans still showed a balance. Upon contacting MOHELA, I was advised to reapply, and after doing so, a few weeks later, I was informed of a refund of over {$4900.00} for overpayment. 

To my dismay, when I inquired about the refund in XXXX, I was told it had been sent to the US Treasury and would likely be paid out by the end of the year. However, upon further investigation in XXXX, MOHELA provided conflicting information, asserting that no refund was due. They explained that the overpayment had been applied to my outstanding undergraduate loans, which were forgiven under the Income-Driven Repayment ( IDR ) plan, not PSLF. 

On XX/XX/XXXX, my account displayed a {$0.00} balance, confirming the discharge of my loans. However, a few hours later, I received an email from MOHELA stating my account was in " Administrative Forbearance. '' Upon contacting them, I was informed that my loans had been erroneously discharged and subsequently reinstated, now reflecting a balance exceeding {$46000.00}. 

I am writing to express my complete and utter disgust with the handling of my loan discharge by MOHELA. The inconsistency in information provided during my interactions with their representatives is both bewildering and distressing. It raises serious concerns not only about the accuracy of the information disseminated by MOHELA but also about the legality of reinstating loans that were purportedly discharged.

I implore you to investigate this matter urgently, as I believe there may be numerous individuals facing similar situations. The emotional and financial toll on borrowers subjected to such erratic and unexplained actions by loan servicers is immeasurable. It is crucial that steps be taken to rectify this issue promptly and prevent further harm to borrowers who rely on the integrity of student loan forgiveness programs. 

I appreciate your attention to this matter and trust that your office will take the necessary steps to ensure a thorough examination of MOHELA 's practices and accountability. If there is any additional information or documentation needed to aid in your investigation, please do not hesitate to contact me.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Sir/Madam, Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX I opened a Checking Account and XXXX XXXX XXXX at BANK OF AMERICA on XX/XX/2022. 
after weeks the checking account closed by BOA and reported fraud to XXXX and I can not open a bank account for XXXX years. but I still have my XXXX XXXX XXXX 

Please I would like to have a reason for this decision by Bank of America.
Consumer complaint received 2023-04-19
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; Capital One tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; XXXXXXXX XXXX  as well as XXXX and XXXX XXXX informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.
Consumer complaint received 2019-05-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (TN)

I called CashNetUSA on XX/XX/2019 and another day last week to ask for lower payment amounts because me and my husband separated and my daughter lost her health insurance and Im having financial hardships but they wouldnt help they asked if I needed to borrow more money. But I just wanted lower payments.
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I had an account in good standing with Care Credit ( Synchrony Bank ) for pet medical bills from approximately XX/XX/XXXX to XX/XX/XXXX. At which time I owed {$610.00} and my credit limit was {$800.00}. XX/XX/XXXX, I missed a payment, but paid extraXX/XX/XXXX. XX/XX/XXXX I missed a payment, but paid extraXX/XX/XXXX. During that time, I was always paying well over than the minimum {$25.00} per month. However, I balance started increasing in XX/XX/XXXX. Due to some XXXX XXXX  issues, I found it necessary to leave my residence and did not get all my mail and was emotionally unable to address the discrepancies in the billing. I later lost my job due to emotional distress and was unable to pay any bills at all for awhile. This is why I had not contacted the company directly to discuss why my balance kept going up, when I was paying more than the minimum required. After several months of not paying, the Care Credit increased my credit limit to {$1800.00}, without my knowledge. Also without further contact, I received a court summons two days before the court date which stated I now owed {$1000.00} with interests and Plaintiff 's court costs. Care Credit ( Synchrony Bank ) only provides a mailing address on the few statements I have, and no phone number to inquire as to how my bill increased so much and why they increased my credit limit without my permission or knowledge. I have no explanation as to why this happened and no documentation from then that explains it, other than I can assume they did this so that they can collect more money than what I owed.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2021 and XX/XX/2021, i sent letters to transunion and XXXX  about these inaccurate items on my report they have not verified or deleted them from my report. i sent them usps certified mail w/tracking # XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. i need help getting this matter resolved
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

I am an authorized payor on my son 's Nelnet account. When signing into their portal, it says no payment is due at this time, but daily interest continues to accrue. My understanding is that under the XXXX plan, his payment should be no more than XXXX XXXX  of his discretionary income, which with what he makes is about {$12000.00} annually, so should be close to {$100.00} per month. I have been trying to get in touch with customer service at Nelnet for over XXXX weeks now, calling every day at different times and holding on their automated system for up to an hour and half. No one ever comes on for me to ask a question of. Their chatbot can't answer the questions I have. This morning, I got up early to be first in line to speak with someone, the automated system said my call should be answered in XXXX minutes. I have been on the line now for XXXX minutes, and it now says my call will be answered in approximately XXXX minutes. I want to know how much I need to pay under XXXX to qualify for the benefits of the program, and to prevent the loan balance from continuing to grow. I want the loan servicer held accountable for their lack of competence and inability to service customers. This is a train wreck in slow motion.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (NV)

I applied for a business card and agreed to use the credit card for the sole purpose of the business. I have a personal and business account with XXXX and the personal and business accounts are separate. XXXX has been inaccurately reporting to my personal credit, the reporting dates are not accurate across the board with all bureaus as well as the dates that they began reporting on my credit. One report states that they were reporting to my personal report as of XXXX and the other credit bureaus has XXXX as the starting dates for reporting. My personal credit score has been adversely, tremendously damaged because of the high usage for my business needs and proof has been submitted. I have submitted a letter displaying that they have acknowledged that I have a business and the booklet that was sent to me enclosed with my credit card that clearly states that the business credit card account XXXX was issued for business purposes only. I agreed to that statement and have upheld to that agreement. Also I had a previous dispute asking for this account to be removed, XXXX, experian responded by stating that that account and the requested inquiries were removed but they have not been removed. I also submitted a request for a few other things that has been reporting over 7 years ( XXXX XXXX XXXX  which has been closed, both XXXX XXXX XXXX XXXX  accounts and a duplicated XXXX XXXX XXXX  account ) they just keep responding that the accounts has been verified which is not what I requested.
Consumer complaint received 2023-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022 & XXXX/XXXX  Date of Inquiry XX/XX/2022
Consumer complaint received 2023-02-22
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor Mt XXXX XXXX CA ) - Account # : XXXX have 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XXXX, XXXX, Equifax continue to report an allege bankruptcy that they do not have permission to report on my credit file. The credit bureaus sell information for profits to other third party companies but I hold legal and equitable title to my name and all rights to my personal information. The bankruptcy courts do not verify this information and the credit bureaus gather information from various other businesses to produce these consumer reports however I do not give any credit bureau consent to gather any such information on me and release it. This is putting me at risk of my information being hacked and sold on the black market. Each credit bureau has already been involved in multiple data breaches and can not be trusted with my private information.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.