davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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: BARCLAYS BANK DELAWARE (FL)

My identity was stolen and opened a few accounts. Account with XXXX XXXX, BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter out on XX/XX/XXXX to XXXX. However the credit bureau said the completed the investigation and everything was 100 % accurate. I don't understand how is that possible. I tried calling Barclays and no one has called me back Im on the phone waiting for hrs getting transfer to different departments saying my account is closed, also they showed me the application that was done in XX/XX/XXXX not by me has incorrect information, my mothers name is filled out wrong in a security question this account wasnt open by me. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation. 
Please help me resolve this issues thank you
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Albert Corporation (UT)

I was using Albert : banking on you. They started a savings thing in the account without informing me and took money out of my normal checking account without me even wanting to start the savings and now Im fighting with them to put the money back in my account they say the money is mine but wont put it back in my account. Been fighting for two days for it too be back in my checking account.
Consumer complaint received 2017-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

Over the past 11 years, while working at XXXX  XXXX XXXX, I have inquired with Mohela, my student loan servicer, about consolidating my FFEL loans into direct loans which would qualify me for public service loan forgiveness. I inquired several times over the course of the past 11 years and they have consistently made it very clear that it was an impossibility to consolidate my loans to direct loans because my loans are FFEL. I called Mohela yesterday just to see if they are still telling people this false information, and they did tell me I could not consolidate my direct loans to direct loans in order to gain public service forgiveness, which I 've recently found is false. After I told them I had spoken with XXXX XXXX XXXX XXXX, they then said they do n't make those types of decisions and they are sorry I 've been misinformed for all of these years.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TN)

I made a mobile payroll check deposit on XX/XX/2022 at XXXX XXXX. This is the same time and deposit from my employer I make every two weeks and have for quite some time. Chime changed their policy on hold period for mobile check deposits on XX/XX/XXXX and did not provide prior written notice to me in regards to this change. I made an inquiry XX/XX/2022 to Chime through their support system. I was told in initially it was to make sure the check didn't bounce. I verified with my employer and the check cleared the bank, XXXX XXXX, on XX/XX/2022 and funds were released to Chime the same day. I inquired again through their support system and never received a response. I called on XX/XX/2022 to their support line, and was lied to, again, and told that it was to wait for the issuing bank to release the funds. I requested that Chime void the deposit and allow me to have my funds so that I could find another bank that could handle payment processing and communicating with its customers about account changes. I was told that they could not release the funds to me and I was required to wait five business days.

I received the funds after five business days, requested to close my account and received a communication stating that they had decided to close my account, and also a notice ( after the fact ) of a change in mobile check deposit policy.
Consumer complaint received 2022-08-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

Equifax, XXXX and XXXX has received my 30 day to comply and still has not given me the results of the investigation which is against the law. Multiple items have been verified by the companies that I do not have an account with them.
Consumer complaint received 2017-03-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (ME)

I sent a payment to pay off my daughters XXXX loan XXXX via Bill Pay ( direct from my bank with notes to apply to this loan only ) Navient applied it to all XXXX loans ( She also has XXXX Signature student loans with Navient ) so most of the funds went to interest payment!
Consumer complaint received 2022-08-26
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)

Experian showing disputes with revolving accts for XXXX and XXXX NO SUCH DISPUTES HAVE BEEN INITIATED!!!!!!!!!!!!!!!!!! 

THIS APPEARS TO BE PART OF A LARGER PATTERN OF OBFUSCATION IN AN ATTEMPT TO REFUSE TO COOPERATE WITH AN ONGOING REAL CFPD INVESTIGATION OF INTERNAL EXPERIAN CALCULATION PROCEDURES CAUSING FALSE REPORTING OF REVOLVING CREDIT UTILIZATION RATIOS
Consumer complaint received 2022-08-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Instatution, Bank Of America..Branch application taken out was XXXX, NY XXXX That was my only involvement with that branch.My loan was for a simple Lin of credit, it was taken out on XXXX XXXX2022 and dragged out for almost 6 Months never seen any business practices like this in all my 70 years. Ive had numerous loans and never had terrible treatment like this bank has given my wife and I, The individual handling my account was XXXX XXXX and her XXXX XXXXXXXX was XXXX, he was just as bad or worse with no answers that made sense the usual brush off. Never returns calls waiting and complying doing and giving what ever they needed which was getting completely out of hand. On XX/XX/XXXX I had spoken to XXXX numerous times in the months prior, XXXX, XXXX, XXXX, XXXX, XXXX, we also have numerous text messages, from XXXX on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all our conversations were all taped by XXXX. In all our life we never heard of line of credit taking 6 months to get and I have no depths at all. Including credit cards etc. with assets over a XXXX  dollars, how does this bank function with employees that give customers the runaround. I have documented proof they received all which was requested. They also had to run my credit for the second time because they dragged it on for so long. Also I want to mention I have a existing Heloc now for {$200000.00} and wanted to payoff mine at the time I received theres, so simple to figure out. Let me know how to resolve 6 months of grief. My wife and I are in tremendous disbelieve, excuse after excuse just hoping you will give it up the process. XXXX and her XXXX XXXX need better training. Remember Ive dealt with banks for manys and have a perfect score that can be documented if needed. I would love to know how that department makes money for its shareholders. Thank you for the time explain my grief in this situation XXXX
Consumer complaint received 2022-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

I have requested a refund of all payments made during the COVID-19 pandemic forbearance. Thus far, I have received a small portion of payments made. 
I have multiple attempts to contact MOHELA regarding this. I am unable to get ahold of anyone my telephone and have received no response through the web messenger. 
The only response I have received is that XXXX XXXX has to process the request as my account was transferred from them. I have contacted XXXX XXXX and they have said that all inquiries must be directed to you. 
I am again requesting a full refund of all payments made to both MOHELA and XXXX XXXX during the COVID-19 pandemic forbearance. Respectfully, I demand that MOHELA fulfills its new responsibilities as the servicer of this loan, and properly coordinates with XXXX XXXX to expeditiously facilitate the processing of this request as soon as possible.
Consumer complaint received 2022-02-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX , XXXX 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 2022-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently checked my credit report and seen fraudulent activity.XXXX  XXXX  is saying I owe $ XXXX paperwork/Their proof say it was a female and the address is somewhere I never lived.I will attach proof Iam a male and not female as the paperwork/their proof stated. 


I dont know this company never done business with this company.This company doesnt have any written signature or contract with me.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (FL)

Mohela Account Number : XXXX I am making this request based on the belief that the securities related to this account fall within the category contemplated in Section 2.05 of Regulation S under the Act. As such, I kindly request that you consider the following points in support of my application for debt discharge : Category Contemplated in Section 2.05 of Regulation S : I believe that the securities associated with my account fall within the scope of Section 2.05 of Regulation S, which pertains to offerings and sales of securities outside the United States. I request that MOHELA thoroughly assess the eligibility of my account under this regulation. 
I, as surety, do stipulate that if you the creditor does not apply the debtors security ( Promissory Note ) as tender of payment and collection, to the account as paid in full or state that you are disclaiming the tender or were unable to get collection from an insolvent debtor, then I shall be discharged as surety. 

Deprivation of Rights : My continued obligation to repay this debt is causing undue financial burden and depriving me of my inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. As such, I assert my right to request debt discharge under applicable regulations. 


Properly remit enclosed XXXX form by completing and providing me with a copy so I can properly complete my taxes because all cancellations of debt have to be placed on a XXXX tax form. Additionally, please provide copy and documentation that the XXXX has been transferred over to the treasury. Provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the USA
Consumer complaint received 2022-02-23
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. (NC)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I disputed a balance due on Experian and provided all evidence the amount was paid in full. Experian refuses to update my report and is still reporting a {$35.00} balance with XXXX. I had attic insulation installed in my home in XXXX through XXXX. The total amount due was {$2100.00}. I made three payments ( {$100.00} on my XXXX XXXX card XX/XX/XXXX, {$1900.00} on my XXXX card XX/XX/XXXX, and {$100.00} on my XXXX card XX/XX/XXXX ). Additionally, my online XXXX account is showing " You have no payments due '' and {$2100.00} is marked " paid '' in my paid history. Screenshots of statements and my account were provided to Experian showing the amount was paid.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

It appears that the inquiries on my identity theft affidavit were not made with my consent and are not attached to any accounts that belong to me.Please remove in accordance with FCRA and FDCA laws.
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I have a checking account with wells Fargo. Due to my XXXX being stolen, several XXXX  transactions went thru for the amount {$580.00}. I disputed the transactions on XX/XX/XXXX. Due to other fraudulent activity i was told to file a separate claim for the XXXX transactions which i did on XX/XX/XXXX and was given the provisional credit. On XX/XX/XXXX i got a letter stating that the investigation was completed and that the provisional credit will be reversed since they say the XXXX  transactions where approved by me, which is untrue. The claim # i have with wells fargo is # XXXX. I did not make the transactions it was just by a push of a button on my stolen XXXX and if wells fargo honored the other fraudulent transactions totaling {$9700.00} ( claim # XXXX ) they should honor this as well. 

I previously opened a CFPB complaint ( XXXX ) that was closed because Wells Fargo said the information was sent to the wrong department. This seemed to be a way of avoiding the dispute. 

I mailed them another dispute including a copy of the police report ( XXXX ), which was certified and delivered a week ago, and they still have not acknowledged receipt or reopened my case and overturned the decision.
Consumer complaint received 2022-08-26
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: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs Apple Card has denied my dispute 3 times so far for a fraudulent purchase made with my apple credit card to the apple store on XXXX XXXX, 2022 in the amount of {$880.00} and the XXXX XXXX side has repeatedly confirmed that they do not see the purchase in their history, so it only shows up on Goldman Sachss credit card side. 

Goldman Sachs is not providing evidence that they see the charge is indeed valid for any goods or services received through the XXXX XXXX as indicated and rejects the dispute without providing details of the transaction.
Consumer complaint received 2022-04-14
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. (AL)

This being my last result before the court system is involved. I demand that the following inaccuracies be removed and or corrected on my consumer report. I had no idea that the credit reporting agencies were actually acting in a manner that I did not authorize or give my consent. Pursuant 115 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require everything listed in this complaint is removed/deleted/corrected immediately. This is my complaint and I have completed this on my own for myself. 
DELETE THESE ACCOUNTS : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX AL XXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX CORRECT LATE PAYMENTS ON : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX REMOVE THESE INQUIRIES FROM MY REPORT : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

I have requested a refund of all payments made during the COVID-19 pandemic forbearance. Thus far, I have received a small portion of payments made. 
I have multiple attempts to contact XXXX and FedLoan Servicing regarding this. I am unable to get ahold of anyone my telephone and have received no response through the web messenger. 
The only response I have received is that FedLoan servicing has to process the request as my account was transferred from them. When I contact XXXX, they say to contact XXXX. 
I suspect that some loan information may not have transferred to XXXX. 
I am again requesting a full refund of all payments made to both XXXX and FedLoan Servicing during the COVID-19 pandemic forbearance.
Consumer complaint received 2019-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2019 TransUnion sent results of Method of Investigation which did not really specify how they verified the Bankruptcies. I believe they are trying to say they verified it through the courts which is not factual, because per the letter I have attached courts do not validate bankruptcies with credit bureaus or third party entities. Also it does not show if they used a third party entity for example XXXX  OR XXXX XXXX which hold public records. Either way that is not the original furnisher ( THE COURTS ) and this must be removed immediately based off the evidence I have. 

Thank You
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (WA)

Afni, continues to write me about a debt that I have no knowledge of. They also have not sent me any validation of this debt as follows : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 
3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 

In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports you 've furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX and XXXX for code of ethics violations.
Consumer complaint received 2022-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

IE : Midland Credit As federal law, the FDCPA limits the methods a debt collector may use when attempting to collect a debt. If a debt collector materially violates a provision of the FDCPA, the aggrieved consumer could be entitled tostatutory damages of up to {$1000.00}, plus any actual damages. I AM DEMANDING A {$1000.00} PER CALL. And this is only from the beginning of XX/XX/2022. This collector has continually called and I have told them over and over to stop. Send paperwork. I have got hung up on and told thats not possible. I block the numbers and they call me from a new one.
Consumer complaint received 2022-08-26
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. (NJ)

I do not have a contract with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I requested the original applications or contract with said companies No response or validation of debt