davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

It appears that my loans has been updated with the IDR waiver but I noticed a few mistakes. 
First, my 2 consolidation loans did not get the updated counts added to them, because of the PSLF waiver all of the loans should be at the same count. I had 24 ineligible payments on my original loans before the IDR update but those ineligible payments were not shifted to the consolidated FFEL loans as promised, the ineligible payment on those loans have been sitting at 0 since the PSLF Waiver was applied. Now the counts are not equal I am worried that this may result in hanging loans & two different pay off times when before consolidation and before the IDR waiver all counts were the same. I have pointed this issue out several times but the ineligible counts have not been updated and it appears my fears are happening. 

There is also some deferment and forbearance months that are still on my account. I never requested either and I qualified for a {$0.00} payment plan during this time. My tax returns for this time have been submitted to DOE as proof of this in the past. Also, I was told that one of those deferments is coded as an unemployment deferment when my employment is certified for this time. 

Ineligible payments from XX/XX/2013 - XX/XX/2013 is coded as an unemployment deferment when I was employed. My XXXX has been approved for this time. 
Ineligible payments XXXX is coded as a hardship deferment. The IDR waiver says that time hardship deferments should count towards PSLF. 
Ineligible payments XXXX is a general forbearance that was for some reason not counted but I am unsure why. 

I would like to add that I did not request any of these deferments or forbearances. During all of these periods I qualified for and was told that I was in a {$0.00} payment plan. I asked for phone records from XXXX ( my servicer at the time ) to prove this but was told they do not exist. 

I also have 6 months of grace period that I did not need - I will replete that I qualified for a {$0.00} payment plan for that time and my XXXX during that time is on file and approved. 

I also have 4 years coded as in school even though I worked full time while going to school full time and was told by XXXX XXXX ( my servicer at the time ) that my time in school would count towards PSLF - again was told my payment was {$0.00}. They failed to have me fill out a deferment letter but XXXX ( my servicer at the time ) had the form to retroactively remove the in school status- this was approved - but those 4 years were never added to my account. 

Its just exhausting. Ive worked in public service for well over 10 years and have never even had a late payment when my payments were no longer {$0.00}. It is unfair to be punished for multiple servicers mistakes. 
Please help
Consumer complaint received 2022-08-18
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. (MS)

This is my several 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 an alleged fraud or extortion. 
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 XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted this complaint to update this suspicious information. 2 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXBalance : {$4500.00}
Consumer complaint received 2022-08-18
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. (MS)

This is my several 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 an alleged fraud or extortion. 
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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (TX)

I submitted my first dispute letter in XXXX. I sent it certified mail. It was signed for XXXX XXXX. 
I waited 45 days and submitted another letter asking them to remove all inquiries in accordance with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41,  et seq. ) I was told on XX/XX/XXXX, that they are just now starting the investigation and it will not be completed until XXXX XXXX. 

This is a clear violation of the FCRA. It is not the consumer 's fault that it took them over 50 days to process my information. It is their job to comply in proper time given. This is unfair and unacceptable and is ruining lives.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2022 -- a XXXX XXXX buyer was offering to pay upfront {$1200.00} for a road bike I am trying to sell. The potential buyer stated she was sending {$1200.00}, but received an email ( which I received the same email from " XXXX '' ) stating that I don't have a " Business '' account with XXXX, which allows me to send/receive higher amounts of funds, since it states my account has a " limit. '' As a result, an extra {$400.00} was needed to increase my limit. The buyer stated she felt comfortable sending the extra {$400.00}, as long as I was willing to immediately refund that amount back. The buyer made it seem like she was anxious about trusting me, and repeatedly attempted building report and a sense of empathy on my side, by stating the funds she sent couldn't be reversed and was being held by XXXX, until I refunded the amount. At this points, there were no funds at all in my checking account via XXXX. The potential buyer repeatedly harrassed me with multiple calls out of a " sense of urgency '' to help with the " refund, '' in order to get her {$400.00} back and also to help push through the funds that were supposedly being held by XXXX. Fast forward, when I attempted to send the {$400.00} with XXXX via Navy Federal Credit Union ( personal bank ), it was placed on a hold. I had to call my bank to release the hold, which I did. Then, immediately I asked a question regarding XXXX limits, but at that point, it was too late and there was nothing NFCU could do to help me retrieve/replace the lost funds/cash. I tried to reach out to the buyer, and she acted as if I needed to email proof of the conversation to XXXX. She tried to tell me multiple times to " trust me. '' At which point, I was just being led down a hopeless path. Afterwards, no further messages were sent via XXXX  XXXX  bugging me to help get her funds ( i.e {$1200.00} back ). I haven't experienced this level of fraud with multiple communications. The previous attempt at fraud ( via XXXX  ) was stopped in it's tracks, thanks to NFCU ( in-person ), involved a cashier 's check for another product I was selling on XXXX. Anyways, it's {$400.00} that I can't get back, and it saddens me that people would attempt to swindle others especially during these type of financial times. To help others, the person 's names is XXXX XXXX, email XXXX, nickname " lumpkins '' ; " XXXX '' is the XXXX name attached to the account. XXXX  user name is XXXX XXXX.
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (GA)

We were offered a Deed in Lieu of Foreclosure in XXXX of 2016 by NationStar Mortgage.. We vacated the property and were assured the account was closed in XX/XX/2016. The Company is reporting that is was not closed until XXXX of 2016 and on some reports XXXX of 2016. This needs to be corrected. We have disputed this through the credit bureaus as well as tried to make headway with NationStar to no avail.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (AZ)

I have attempted to close my IRA accounts with Ally Bank for a year and half. filled out all their forms, faxed it, emailed it, even sent the forms to XXXX XXXX and XXXX who I want to transfer my IRA accounts to AND ALLY WILL NOT RESPOND TO Synchrony. Since your dept is close to worthless and merely paper shufflers I am sending this complaint to you so you can snuggle it and NOT resolve the issues. 

In addition I requested that my IRA statements be sent to me as Ally will not allow me to view my statements on line. I requested my IRA statements be sent to me and my back statements for the last 2 years ( at not cost ) and Ally agreed to do it. I requested my statements on XXXX, XXXX and XXXX. I still have NO BANK statements of my IRA accounts. I need those statements so my attorney can file suit against Ally Bank. 

Based on your past no action I don't expect you will fine Ally Bank or resolve this but I ant a Complaint on record.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

THIS ACCOUNT ENDING IN XXXX FOR {$550.00} LVNV APPEARS ON MY XXXX AND XXXX XXXX REPORTS TWICE. I HAVE A RIGHT TO A ACCURATE CREDIT REPORT AND THIS IS AN OBVIOUS VIOLATION OF MY FCRA RIGHTS.
Consumer complaint received 2022-08-18
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$23000.00}
Consumer complaint received 2018-09-17
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 (AK)

I have reached out Capital One on XX/XX/XXXX or XXXX I believe this year. I had a payment over the phone with someone and they charged be mort that I agreed after I gave them my card information. During the ongoing dispute Capital One said even after I filed a police report against these people it is not a crime because I have had business with these people. It is a crime to use someone credit card information withdrawing a different amount that the person agreed. They are about closing the dispute now since early XXXX saying it was not a crime and rebilling the XXXX dollars.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (NC)

Towards the end on XXXX I applied to refinance a mortgage loan with Wells Fargo. ( The property was financed with them ) I spoke to a representative gave them all of my info including income. I have multiple sources of income I gave them XXXX. I also told him about the additional income. I was told that the XXXX sources provided was enough. I was told everything looked good he just needed to get final approval from a supervisor. I'm a XXXX XXXX XXXX  with over XXXX years ' experience so I knew things were fine. After a day or so not hearing anything or having my calls returned. I finally spoke to the representative, he explained I was denied due to excessive late payments. I inquired about the late payments he was referring to and I was told I would receive a letter in the mail, he didn't have any additional information. I immediately went on XXXX XXXX and pulled up that account. I obtained that mortgage in XXXX, there was only XXXX late payment in XXXX of XXXX. I took a screenshot and emailed it to the representative requesting an explanation. He never responded. I later received a letter stating my income was not enough. XXXX things, my income was never mentioned by the Rep. I had more taxable income that could have been used and they made no mention of " excessive late payments ''. I contacted Wells Fargo again and I was told the decision was final. Granted, I no longer wanted to do business with them anyway, but I did want an explanation. Within that week I applied for a refi with a different mortgage company with those same " XXXX '' forms of income and was immediately approved. Not only did that property get refinanced I purchased XXXX additional properties within months of Wells Fargo 's denial.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

Hi, On XX/XX/XXXX I received a call from my Victoria Secret credit card company about an open balance. I told the guy on the phone to pay off my full balance and shut down my card. Every month following I got charged late fees that I was not made aware of and yesterday I received a call saying I have an open balance of {$140.00} due to all the late fees. I was only able to waive one of them but bit the bullet and told they guy on the phone to charge me the remaining {$110.00} and cancel my card entirely and to send me an email stating my card is canceled/ shut down. I followed up a few hours later after I saw my payment went through on my banking statement and the lady on the phone told me I still have an active balance of {$140.00} and that there are no notes of the late fee being waived. She then told me to wait 24 hours for changes in the account to be fully processed. I waited and called about 30 hours later ( today ) and spoke to a new guy on the phone saying the late fee was never waived and the account has never been closed. He then tole me he waived the fee and would be sending over a notification on my account that my credit card will be shut down. I never received anything and am afraid this is going to happen again.
Consumer complaint received 2019-02-06
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. (NY)

the credit card limit was {$500.00} they told me someone took about {$1500.00} from credit card how is that posiable when the limit is {$500.00} they autherized {$1500.00} when i contacted them they wasn't helpful such as they can't take the complain over the phone has to be summited by mail hours if hon on the phone this credit card company known to give hard time to consumer they don't even take online payment you have to call them and give them checking account with additional payment fee to process the payment. 
i tried everything to resolve this matter but i failed.
Consumer complaint received 2024-03-12
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

I called XXXX to see why there company XXXX collections will not honor My court 's documents stating that it was paid off XX/XX/2023 he was very rude and cussed me out about the debt saying he is not taking it off.
Consumer complaint received 2022-08-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OK)

In XX/XX/1922 I created a dispute regarding inaccurate and unknown information on my credit report. To this day XX/XX/22 over 30 days later XXXX XXXX XXXX XXXX with account # XXXX it is still on my credit when I have not given XXXX XXXX XXXX XXXX my written instructions to furnish any information to the credit bureaus. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my Written Instructions.
Consumer complaint received 2023-03-01
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2020-08-03
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: NAVY FEDERAL CREDIT UNION (GA)

A merchant has provided inaccurate information about their products. Once the merchant has sold me the products, I went home and starting to try the products ; however, I started to experiences side effects. The merchant told me that I would not. I then asked the merchant for a full refund, which they did not give me. Then I contacted Navy Federal to resolved the issue. They then advised me to give the merchant the product back, so it does not seem like I am trying to keep the products and get my money back. I did that. I called to check the status and they stated that I needed confirmation of receipt. I had to fight with the merchant to get the confirmation of receipt because they would not provide that. Navy Federal told me that they would not process my request because I did not have a confirmation of receipt. I finally was able to get the confirmation of receipt and submitted the documents through the portal. Navy Federal has informed me that they would not give me a refund because of the information that the merchant has provided to them. However, the merchant has provided me a partial refund in the amount of {$190.00}.
Consumer complaint received 2018-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE ()

I live overseas and have recently moved from XXXX XXXX to XXXX. 

I tried to access my account on XX/XX/XXXX in order to change my address and phone number. I was not able to access the account but I was asked to answer a security question : " What is your brother or sister 's middle name? ". I got the question wrong because it is ambiguous ( I have a brother and sister and they both have two middle names ). 

I have tried contacting the bank many times via phone, online chat, and direct messaging, but they will not let me access the account without visiting a branch. The nearest branch is a five-hour train ride from where I live and I do not have time to go there. 

I need to know my balance so that I can complete my tax forms by XX/XX/XXXX.
Consumer complaint received 2019-08-31
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. (WA)

Today, XX/XX/2019, I attempted to perform several online disputes for account that were inaccurate, duplicates, or not mine. The company refused to perform the investigations, stating : They are not required to investigate previously disputed items. I also wrote several letters that were rejected because they were deemed fraudulent.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I paid to ARC ticketing company by Citi Bank XXXX XXXX XXXX XXXX XXXX XXXX for flight tickets at XXXX payments of total {$10000.00} on XX/XX/2023, Citi Bank withdrew the payment from ARC account but still charge me, I set up the dispute on XX/XX/XXXX, Citi Bank insisted on charging me, they XXXX also charged me for the monthly interest for 6 months, even after I met with all their requested documentation with evadents of their fraud charges.