davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

MOHELA committed financial fraud in XX/XX/XXXX. 

On XX/XX/XXXX I made a payment to MOHELA and requested my remaining balance for both principle and interest. The agent, XXXX ( XXXX # XXXX ), stated that my principle was {$10000.00} and that my interest was {$0.00}. I asked her to repeat these numbers several times to ensure they were correct and accurate. This conversation was recorded. 

On XX/XX/XXXX, I telephoned MOHELA again ands spoke with, XXXX  ( XXXX # XXXX ), regarding my physical bill, which was mailed via U.S. Post office and therefore constitutes a notarized legal document. The bill states that my principle balance is now {$10000.00}. The bill does not list any interest as I have enrolled in the fraudulent SAVE plan. Upon review, MOHELA stated that my principle balance is {$10000.00}, and my interest is {$33.00} USD. When questioned about the discrepancy I was initially informed that I was told a different number. Specifically, the number listed on my physical invoice. After informing the agent that I had recorded the conversation, I was subsequently informed that this was an alleged accident, and not illegal conduct being willfully concealed by MOHELA. 

This is fraud. This is wire fraud. This is financial fraud. 


This is a violation of 34 CFR 685.102, 34 CFR 685.200, 34 CFR 685.220, 34 CFR 30.1-30.70, 34 CFR 685.206, 34 CFR 685.222, 34 CFR 668.171- 668.176, 34 CFR 685.204, 34 CFR 685.208, FDCPA 1692-1692p, FDCPA 801 819, and 15 USC 1601. 

MOHELA is legally obligated to report updates, adjustments, and payments to debt amounts on the first of each month, and in a correct as well as accurate manner. 

This false information is also a violation of CA civil code statutes AB 376, AB 1864, SB 908, 1788.101 ( a ), 1788.101 ( b ) ( 1 ) - ( 6 ), 1788.101 ( b ) ( 7 ) - ( 10 ), 1788.102, 1788.102 ( b ), 1788.102 ( c ) - ( d ), 1788.102 ( e ), 1788.102 ( f ), 1788.102 ( g ), 1788.102 ( h ), 1788.102 ( i ) and ( k ), 1788.102 ( j ), 1788.102 ( l ), 1788.102 ( m ), 1788.102 ( n ), 1788.102 ( o ) - ( r ), 1788.102 ( s ), and 1788.102 ( t ). 


Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by MOHELA. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department. 
Finally, I was informed that MOHELA is unable to provide an accommodation in compliance with the ADA ( 1990 ). I was informed that MOHELA is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.
Consumer complaint received 2022-03-10
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-08
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: WELLS FARGO & COMPANY (NJ)

I have these accounts that are not mine adn iwant them to be removed. 

1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2017-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

I have a citibank XXXX XXXX credit card. I filed a restraining order against my spouse on XXXX XXXX after she became XXXX with me and XXXX to XXXX me. The Police served her with the restraining order and removed her from my apartment. Since then I have not had contact with my sponse. On XXXX XXXX, my spouse charged {$5000.00} to my citibank tXXXX premier credit card. I informed the credit card company the same day that the charge is fraudulent and requested to cancel the charge. They asked me to call the merchant to cancel the charge, which I did, but the merchant refused to cancel the charge. I then sent an email to Citibank credit card on XXXX XXXX, again informing them that this is a fraudulent charge and asked them to cancel the charge with the merchant. Since then Citibank has said " they are investigating '', but have provided no information. I have called them about 5 times in the past month, and they are now refusing to refund despite the difficult circumstances that I am going through. Citibank has failed in their responsibility to put a stop payment on the charge on the same day that I informed them. Further they have caused me a huge loss and failed in their responsibility to cancel the charge with the merchant despite being informed of the circumstances. I seek redress from CFPB. Please help. Kind Regards
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. XXXX  is furnishing inaccurate and incorrect information to consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report. Delete these accounts immediately from my consumer report.
Consumer complaint received 2021-09-08
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. (FL)

I was notified sometime in XXXX that a collection agency believed I owed them a debt. I sent them a dispute and requested all the documents they had on the account. I never received anything from them and from my understanding they did not correctly report it to the credit bureaus. When I called in XX/XX/XXXX to request they remove the incorrect information on my credit report, the collection agency told me they sent something to me in XX/XX/XXXX but could not verify it was the documentation I requested or give my any information that was helpful. I did not receive anything from them in XX/XX/XXXX. The collection agency refused to remove the incorrect information from my credit report and I had to file a new dispute directly with the credit bureau this year. The incorrect reporting is negatively affecting my credit and I would like it removed.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IA)

XXXX allowed XXXX Unauthorized Credit Inquiries on my credit reports by : XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and also by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. 
I have written both companies twice on XX/XX/XXXX and on XX/XX/XXXX. I provided them with a copy of the Police Reports to prove identity theft but they have n't removed anything.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have paid a large amount on my " XXXX Credit Card, '' but in Equifax system appears as if the balance has increased. I do have a paid service with Equifax for a long time. 
I have tried to enter a dispute claim in Equifax website, but system is not working. 
I do have copies of the current balance in my credit card and also a copy of what Equifax is showing in my file. 
It is strongly suggested to others, to monitor their credit cards, balances and credit reports very closely.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I've been attempting to freeze the report for a XXXX 

I made submissions to all XXXX bureaus. XXXX and XXXX acknowledged and froze the XXXX. 

Equifax replied I didn't submit the required documents ( I did ) and rejected it. 
I submitted a second request ( again with all the required documents ) and they rejected it again. 

I called and they told me to submit it a third time and if it was rejected a third time, they could help me over the phone. I only have an image of the second letter.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, 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. (CA)

There are XXXX inquiries on my credit report that does not belong to me they are : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX  - Inquiry date : XXXX XXXX, 2020 XXXX XXXX - Inquiry date : XX/XX/2020 These are inquiries I have not done I dont know what they are for I have no cards or accounts like this!!
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have paid off my XXXX balance. 
However, it is showing on my credit report as late. I can verify with bank statements that balance is paid off at fall 2015.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have called XXXX to rectify my issue. XXXX closed my account and I paid them off. It still shows as a balance on my current credit report as if it still is an active account, but the same account also shows under my closed accounts as well. Target stated that they seen on their end that the account was closed and had a {$0.00} balance. But my credit report is reporting a balance.
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (OH)

As of approximately XX/XX/XXXX, Coinbase placed these restrictions on my account and I still can not deposit or withdraw my money. I've had my Coinbase Account for over 4 years, however I recently decided to in

vest more of my money into crypto/the account. I was only able to transfer a portion of my money into the account before they placed " restrictions '' on my account, stopping me from depositing or withdrawing money from my account. I have contacted them many times over the past 2 months about these restrictions, but have not received 1 ) a reason for why they were placed on my account and 2 ) an accurate date on when I would be able to regain access to these functions. Of the many times I have contacted them ( via phone or their chat service ), they have required me to answer several rounds of questions ( often the same questions ) detailing the purpose of my use of their platform AND to provide them photo identification. I have provided them my Driver 's License and Passport twice. Despite the amount of times I've contacted them and provided them the requested data, they're still not giving me insight into when I can access my account. What's made the situation worse is that in one instance of communication on XX/XX/XXXX, I was speaking with their automated system and received a very shocking response. It informed me that " Unfortunately, Coinbase has determined transactions with bank accounts are permanently disabled for your account. For security reasons, we can not disclose the reason. But don't worry, to continue making transactions, you can add a different payment method. '' I immediately called in to Coinbase Support, created Case # XXXX, and went through two more rounds of questions and another photo identification. I still have not received word on accessing my account.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have called and mailed XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX regarding this account on XXXX XXXX, XXXX.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have called and mailed Transunion, XXXX, XXXX, and XXXX XXXX XXXX XXXX regarding this account on XXXX XXXX, XXXX.
Consumer complaint received 2017-11-12
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. (CT)

I have been contacting XXXX XXXX and Experian since XXXX XXXX, XXXX. My information has been compromised as a result of the security breach. I have place fraud alerts on my reports to avoid any more fraud usage on my report. Someone is still using my identity and have been applying for credit under my name and social I have spoken with several employees in regards to this matter and I have been told that there is nothing that can be done to help me. I have sent in Police reports, documents showing that I was incarcerated during the time of most inquiries, a complaint letter from the fcra and there is no resolution, I am continuously being told they have not received my information. I sent all documents by fax, upload, certified mail and they will not help me.
Consumer complaint received 2024-03-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XXXXXXXX XXXX took me to court for an eviction on XXXX XXXX. They only stated that I owed XXXX at the hearing. Afterwards XXXX XXXX XXXX filed a collection against me with numerous unsubstantiated charges that are not within the lease of contract. XXXX XXXX has stated charges that are a violation within the Texas Land Lord code of " PROPERTY CODE XXXX XXXX RESIDENTIAL TENDENCIES ''. These codes were set as to be fair for both the tenant and landlord. This organization has breached the tenant contract by being in violation of these codes.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

Credit report is showing 3 30 day late payments on my XXXX credit card for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Tried to mail the creditor a letter to get it fixed in XX/XX/XXXX unfortunately lost their response letter but no change on my report. I have done multiple disputes with the creditors on their websites and even worked with a credit repair company. No changes on all responses. Stating disputes were verified. Payments were posted to that account those months. Account is on and was on autopay. I attached verified prove of dates and amounts of the payments on my account
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Omni Financial Corp. (GA)

I have called and mailed XXXX, XXXX, XXXX, and World Omni Financial Corp. regarding this account on XXXX XXXX, XXXX.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

As opposed to deleting tax lien from my credit file as unverifiable. XXXX marked the debt as paid, in order to keep an unverified tax lien on my credit file.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Recently I applied for a new Capital One XXXX XXXX account, I was initially approved, then after a few days my new account was restricted and my existing Capital One XXXX account as well, the bank requested verification docs which I immediately submitted, after XXXX weeks I receive a letter that my new account was closed, in the meantime my existing account was still restricted and the rewards of that account in the amount of {$290.00} was frozen, meaning while the account was technically open Capital One wouldn't even allow me to redeem them, after following up on this account I was informed that my account was closed, I asked customer service as well as a supervisor to send me a check for the rewards that weren't redeemed and they said it can not be redeemed because of the status of my account, I am asking capital one to send me a check for the rewards amount of {$290.00}, I attached the last statement to show the remaining rewards balance at the time of their closing of my account
Consumer complaint received 2017-11-12
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. (OR)

As opposed to deleting tax lien from my credit file as unverifiable. TransUnion marked the debt as paid, in order to keep an unverified tax lien on my credit file.
Consumer complaint received 2017-11-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IN)

ASSET ACCEPTANCE , LLC TRIED TO SETTLE THIS MATTER XXXX, XXXX. THEY STATED THAT WE HAD NO EVIDENCE THAT THEY KEPT CALLING MY CELL NO. XXXX XXXX XXXX XXXX. SEE ATTACHED ATT RECORDS, 3 CALL 'S ON XXXX XXXX, XXXX. 

WE ARE BACK TO RE-SETTLE THIS MATTER WITH MONETARY VALUE, PLEASE SEND STTLEMENT AND RELEASE IN THE AMOUNT OF {$1500.00} FOR T.C.P.A. VIOLATIONS.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX Threads : XXXXardholder 's frustrations with Capital One. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why is Capital One customer service no longer based in the United States? 
Discussion / Conversation I had a problem with my quicksilver and I needed to call about three times, they were able to solve my problem but it was a little complicated because all the people were XXXX with a very thick accent, I remember when I used to call c1 and always have someone from the US I guess that's a thing of the past now. 

Most of the responses to this thread claim the reason for this is Greed. I looked at some of the Job Descriptions on the Capital One XXXX Online site and it looks like they only require a high school graduation. On some sites, there is an insinuation that the quality of customer service is the same for Capital One Cardholders even though the company saves money. I have to say that many Cardholders completely disagree with that. The representatives I get do not speak English well enough for people to actually understand what they're saying. Now I can definitely understand when they make threats though. 

The issue has nothing to do with the culture of people, more so than the level of training these individuals receive. If the company only feels they need a high school education, then how can one honestly claim that is the same service as representatives whose positions required a college education? My belief also is that Capital One is being extremely reckless by allowing personal information to be accessible outside of the country of origin of the Bank. Any of this information can leak from one of those call centers that Capital One so carelessly chooses to partner with just because some executives want to get that extra bonus.
Consumer complaint received 2021-02-07
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.