davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

I do not have a card with Comenity or owe them any debt. I am also on the Do Not Call List. This number is calling repeatedly and sometimes leaving messages. XXXX this number reveals many similar stories and stories of the person on the other end not believing that you are not the person they are trying to reach. Attached is a screenshot showing their repeated calls.
Consumer complaint received 2022-06-13
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. (PA)

Personal information Violation 15 USC 6802 ( i ) no one had permission to disclose my personal info, this is a place of abode not my address, I don't reside here, it is a primary dwelling 15 1681 A ( 4 ) Right to privacy Violation Late payment violation 15 USC 1681 B, Stolen Vehicle 15 USC 9613, 9611, 9612 15 USC 1692 ( J ) 15 USC 16666B timing of payment 15 USC 1602 J 15 USC 1692 G 15 USC 1681 A 2 A 2 B 15 USC 1681 N
Consumer complaint received 2019-08-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I have been using Experian credit monitoring for over the past year to keep track of my credit activity. Although I was paying them and getting weekly or biweekly emails, they failed to find negative activity on my report. I was an authorized user on XXXX card and XXXX XXXX XXXX card without my knowledge. XXXX XXXX and XXXX had the correct info, But Experian did not. Therefore my credit was getting worse without me knowing although I had faith and I trusted this company to monitor my activity. I was not aware I was an authorized user even though I removed my name from those two accounts.
Consumer complaint received 2024-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OK)

I have served in public service for ten years and have met all obligations to make qualifying student loan payments for public service loan forgiveness. 
Mohela placed my account under administrative forbearance in XXXX and XXXX of XXXX. I did not request this forbearance. I was told this was due to administrative difficulties and have received language from studentaid.gov and mohela that these months will count towards public service loan forgiveness. I contacted Mohela multiple times and was reassured these months will still qualify In XXXX of XXXX I breached the threshold of XXXX qualifying months of service and payments. I submitted my application for forgiveness. However, Mohela is not counting the months of XXXX or XXXX stating I was under forbearance. I am suffering monetary damages as I would like to change employers to a for profit group but I can not make this transition until Mohela processes my application. I am requesting that Mohela correctly process my application for public service and include the months of XXXX and XXXX which rightfully qualify so I can have my application processed correctly and in a reasonable time frame.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (MA)

Hi my name is XXXX XXXX and Im a federally protected consumer, and I am making this complaint against BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC for committing identity theft. I have never given BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC continues its collection efforts I will file for litigation for actual damages caused and BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice you are hereby notified Pursuant UCC 1-202. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

I asked for my southwest airlines cc to be closed. Upon making my request, I was told recurring charges could still be made on my closed account!!! How is that possible?!! When I asked additional questions regarding charges on a closed cc I was transferred to southwest airlines!! Chase card services are horrible.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2018-04-17
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One closed my credit card account, took my security deposit and applied it on the balance, then I paid the entire balance is full of about {$36.00} and they still have me owing a balance of {$3.00} and some change. I paid the statement balance is full and they aren't getting any additional money out of me. The like to defraud customers into paying off a balance but then apply additional fees that's not even associated with the balance that's been paid off in full
Consumer complaint received 2022-05-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Application # XXXX ( Discriminatory Practices ) I applied for a credit product with Bank of America on behalf of the XXXX XXXX XXXX XXXX on Saturday, XX/XX/2022. I was contact the next morning ( Sunday ) by banking representative XXXX XXXX. He asked if I was aware that any balance would need to be paid in full at the end of each month. He stated that he would send me a link via XXXX to submit an Authorization to Borrow on Behalf of the Business form that needed to be signed by 2 board members. He also stated that I would have to submit a profit and loss. I advised him that we were a not for profit corporation with 501C3 designation and that we did not have profit or loss. He stated that he just needed proof that we were in compliance with the IRS. I stated to him that we are required to file an annual Form 990. He stated that was sufficient. We were unable to upload any documents and soon learned from XXXX IT Helpdesk that XXXX XXXX only gave us viewing capabilities and not access to upload anything. We were advised by XXXX IT Helpdesk to fax the documents over as we did. A few hours later I received an application denial via email. This morning XX/XX/2022 I received a phone call from XXXX XXXX requesting that I submit a profit and loss. He even suggested that I send him a list of donations which was out of the ordinary. I refused; reminded him that the calls were recorded, wish him a good day, and we both disconnected the call. Please note that I had already received an application denial email on yesterday.
Consumer complaint received 2024-02-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (TX)

I applied for PSLF in XXXX of XXXX. I had verified and approved employment dating since XXXX but it is not continuous. Cumulatively, I have met the 120 payments for PSLF. While Mohela approved all employment I submitted, they left massive numbers of payments missing from the counts. For example, my tracker jumps from XX/XX/XXXX to XX/XX/XXXX even though the approved employment listed with Mohela includes that full time, so that period alone is 35 payments missing. The tracker also only goes back to XXXX despite approved employment going all the way back to the beginning of PSLF in XXXX, so every payment from XXXX is missing. When I apply again to try to get it updated, they mark it as duplicate and say that employment certification form was already processed, but the missing payments never get added. I applied before the waiver expired in XX/XX/XXXX and they still haven't updated the payment count. I need ALL of the approved periods on my employment certification forms added to the payment counts.
Consumer complaint received 2024-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

In XXXX, 2023, I submitted information to Nelnet to get on an income driven repayment plan. I have been on an income driven repayment plan for over nine years, and I was trying to reapply for my plan this year. As of XX/XX/XXXX, I still have not received any information from them about what my new payment will be. They are trying to charge me over {$500.00} a month which I am not able to afford. I have submitted all my information to them in order for them to process my income driven repayment program application. Every time I call them, they tell me they are working on it, and will only extend my forbearance by one month. I have a strong feeling. This is negatively impacting, my credit worthiness, and they need to perform the service they are supposed to.
Consumer complaint received 2021-09-18
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: Experian Information Solutions Inc. (PA)

I, the consumer, am authorizing XXXX XXXX XXXX and their representatives to dispute on my behalf as well. Complaints have not gone through because they are not recognized as an authorized representative. I give them permission to work on my behalf.
Consumer complaint received 2018-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (OH)

Sometime in XX/XX/2017, my lockbox was stolen allowing someone access to my home. Credit cards were stolen and some cash. Apparently, other items were stolen that I wasn't even aware of. Whoever stole my credit card hacked the online account and I never received statements notifying me that payments were due. I was informed of late payments in XX/XX/2017 and disputed the charges then with XXXX XXXX XXXX XXXX. I went through their process and have been going through their process ever since. The company continues to notify me that I am responsible for the charges yet have never provided any investigation notes etc. I think it's unfair that I should be held responsible for the charges of now more than {$5000.00} that I did not create. I even tried to have the XXXX investigate and XXXX refused due to their policies. I am uncertain where to turn for help.
Consumer complaint received 2018-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

Transworld Systems Inc. is reporting that I have two open accounts in collections ( medically related ) on my credit reports with XXXX, XXXX, and XXXX. 

Account # XXXX {$600.00}, and Account # XXXX {$490.00} are both being reporting as negative items by Transworld Systems Inc . 

I sent certified mail to Transworld Systems Inc. ( on XX/XX/2018, XX/XX/2018, and XX/XX/2018 ) to validate the alleged debts by providing me with proof that I am indeed the party they are asking to pay the debt. 

I specifically requested the date of the alleged medical services, the  name of the patients, and proof that there is some contractual obligation which is binding on me to pay these debts. 

Additionally, I requested any agreement which grants them the authority to collect on these alleged debts ( i.e proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, Sec 13402. ) as I have never conducted business with Transworld Systems Inc. 

As of XX/XX/2018, Transworld Systems Inc. hasn't provided me with any viable evidence ( bearing my signature ) to verify the alleged debts, nor have they provided me with any contractual obligation which is binding on me to pay these alleged debts.

Transworld Systems Inc. has not verified or validated the alleged debts. I have never conducted any business with Transworld Systems Inc.

I do not owe Transworld Systems Inc. any debts and formally request that these erroneous items be immediately removed from all of my credit reports.
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Continuation of complaint # XXXX I've already contacted your office in regards to a complaint with Chase Bank. However, your not doing enough to resolve the issue. 

I'm on Social Security XXXX and I cant believe they treat XXXX people like this. Shame on them. 

I have proof of payment on a cashiers check that I got from my Dad and his wife. It took three weeks to get it since the XXXX XXXX XXXX is on a rolling provincial strike ( meaning this week this province and a different province next week. ) The quickest way for me to get proof of payment is this way but Chase has called me a liar that my dad doesn't live in XXXX. I had given Chase my pass port for second ID. It may say US passport but it also give original country of being XXXX. 

They also told XXXX XXXX that I gave them a fraudulent check and they even closed my account and wont release the less the {$6.00} in my account. 

I have included a copy of my Chase statement and there corporate office told me the funds have been in the account waiting to be picked up. Yet when I go into a branch they won't release the funds. They keep saying its a fraudulent check without proof. I have proof its not even if its emailed to me its still more proof than what they have. 

Since they arent releasing the funds. What is my next legal action? Court? I can do that.
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

I'm not enrolled in overdraft protection, and never been to avoid been charged extra fees as I'm a single mother and only income in my home. I've being dealing with wells Fargo for a long time and unfortunately there is never a definite solution other than returning the fees collected and only if I complain about it. This last month the bank charged me XXXX in overdraft fees and they are refusing to return that money. Instead of declining transactions as it should be when funds are not available they keep approving them in order to collect fees without my consent.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

Experian has been violating consumer rights by misrepresenting a debt. They have now kept me from accessing my credit report and thereby denying me access to my papers. they are still reporting on me without permission
Consumer complaint received 2021-09-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have disputed on numerous occasions factual inaccuracies across all of my credit reports with this company that should have resulted in the account being deleted. In direct violation of Federal law, the company keeps updating the factually disputed inaccuracies when they should have deleted the account.
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NV)

XX/XX/2020 : Transferred XXXX USD through Western Union to XXXX to pay for nephew 's school fee. 
XX/XX/2020 : Money debited from sender 's bank account as soon as transfer order was placed. 
XX/XX/2020 : Received confirmation email right away that money has been received by Western Union and will be available in receiver 's bank on XX/XX/2020. 
XX/XX/2020 : Receiver notified money has not been received in receiver 's bank account. 
XX/XX/2020 : Western Union online status showed : Transfer Status Tracking # ( MTCN ) : XXXX Sent The money is scheduled for transfer to the receiver 's bank. 
XX/XX/2020 : Status of money transfer stayed the same. 
Called Western union customer service number at XXXX to inquire and got transferred three times. Each rep put me on hold and finally got to talk to someone who said they will start an investigation. There is no problem with the transfer and will get back to me. 
XX/XX/2020 : Called Western Union customer service number again. Got transferred twice and found out that the transfer was cancelled. I was not informed of it via text or email or phone call. Upon questioning, the rep XXXX ( I am 100 % confident that is not the real name ) said they will credit the money back to my account after they get rejection authorization form some other back. Also, the credit will not appear in my bank for sometime due to banking rules. She also confirmed that there was no problem with my bank or my receiver 's bank. 
If my bank was debited instantly, how come it can not be credited timely? 
Who authorized the transfer cancellation? 
Why was I not informed of this until I started inquiring?
Consumer complaint received 2018-12-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Commonwealth Financial Systems, Inc. (MD)

Commonwealth Financial Systems , Inc. has " Never '' called nor contacted me regarding a Hospital bill dated XX/XX/2012 until last month.. ( XX/XX/2018 ) I just received a bill this month from this company. XXXX XXXX Hospital is at " Fault '' and I have proof with having medical insurance at the time. I contacted them back in XX/XX/2012 with a Manager from XXXX. We did a conference and the Manager explain to the billing department that they use the wrong billing code and they have to resubmit the bill to the State of Maryland and not XXXX In my procession right now, I've a certificate of XXXX XXXX XXXX Coverage from XX/XX/2012 until Present from Maryland Department of Health.

Commonwealth Financial System also attack my credit file last month on XX/XX/2018 and my credit score went down 30 % on XXXX and XXXX. It had a Derogatory marks on both.

Furthermore, I only received a bill once in XX/XX/2012. This company never tried to call or mail me anything during XX/XX/2012 until XX/XX/2018.
Consumer complaint received 2018-12-05
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: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/XXXX, I went to my Credit union to pay off my car loan to obtain the title and attempted to use my Amex card. The credit union did not have the appropriate machine to swipe my American Express card and recommended a cash advance from Amex. While at the credit union, I called American Express for a cash advance. The Amex agent over the phone recommended I use my XXXX XXXX account to process a transaction to obtain the funds to pay my car off. The same day, I processed a transaction on XXXX XXXX for {$11000.00}. I was then able to use this money to pay off the car loan. Since then, American Express froze my account for several weeks for possible fraudulent activity. I am extremely offended after THEIR agent recommended this practice. I have had amazing and impeccable relationships with all my credit card companies. They also closed my account, reinstated and new one a decreased my credit line to an extremely low amount and forced my monthly payments to a higher dollar amount. I have asked the American Express company to pull the recording of the call to review THEIR employees guidance. Since then, I have not heard from anyone and received my new bill, with a new number and a past due amount! My credit has been excellent. I have an account closed by grantor and a new account that is now showing past due. I have tried to escalate this problem to management but my calls seem to be intercepted by call center agents and my complaint is still not handled appropriately and IGNORED. I have been in XXXX XXXX for over 23 years and would not tarnish my reputation over a senseless act. Please have American Express pull their recording, confirm their agent provided guidance to perform a XXXX  XXXX  transaction, return my line of my line of credit, and fix my credit bureau reporting.