davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (OH)

As I pulled my credit report after having identity theft I notice things on my report that I never applied or have any knowledge of or any open accounts. On XX/XX/2022 I sent out certified mail letters notifying the companys and reporting companies listed with the accounts below which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. But However, I have not received a written response or any response back from the following companies. I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

MOHELA 's website indicated that my account was due to to recertify my income for my income driven repayment plan, PAYE. On their website, they listed XXXX dates : XX/XX/XXXX and XX/XX/XXXX. MOHELA 's website directs clients to recertify at XXXX. 

When I logged into studentaid.gov, I chatted with XXXX, the chatbot for the website who stated that " the earliest you could be required to recertify is XX/XX/XXXX. Any date listed between now and XXXX first will get pushed out by a year. '' When I checked my IDR anniversary date on the StudentAid website, It lists XX/XX/XXXX. 

Based on this information, I was made to believe that my income recertification would be pushed back by a year ( XX/XX/XXXX falls before XX/XX/XXXX ) to XX/XX/XXXX and so did not recertify. When I went to check this date on the Mohela website, it now says that I am past due to recertify, my loans will capitalize, and I may be removed from the PSLF qualifying PAYE plan. 

I called Mohela on XXXX and received a callback from a supervisor on XXXX to ask what happened, and they stated that the " hard date '' to recertify is actually XX/XX/XXXX as this is when my next payment would be due. When I informed them that all client facing dates provided would have fallen within the window on studentaid.gov and could they provide documentation or direct me to the area on the website that listed XX/XX/XXXX as the deadline, they could not do this. 

Mohela 's refusal to honor the studentaid.gov website of pushing back my IDR date will cause significant financial hardship. Having to recertify now ( vs 1 year from now ) will cause my monthly payment to increase by {$1100.00} and cost me over {$13000.00} over the next year. Any payment plan that would result in a lower payment would not qualify for the Public Service Loan Forgiveness program.

The fact that Mohela is using dates to decline clients from qualifying for the push back of income recertification discussed on the studentaid.gov website that are not CLIENT FACING and that they CAN NOT VERIFY online or in writing is fraudulent and misleading. This seems to be in violation of the Unfair Deceptive or Abusive Acts and Practice Law.

I have filed a complaint with MOHELA, StudentAid.gov, and now the CFPB regarding this issue
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/, I received a call from Wells Fargo that there was somebody attempting to transfer money from my checking account. I immediately told them to stop all transactions. I was working at the firehouse and I had to hang up and run a call. A few minutes later, when I returned, I looked the phone number of the Wells Fargo XXXX department. I called them immediately and was told that a transfer was going to XXXX XXXX XXXX  I told them that this was fraudulent and " STOP '' it. They told me that they would put a return of funds on it. After I hung up with Wells Fargo, XXXX XXXX XXXX called and asked if I was transferring money. I told them " NO '', it is fraud. I now called Wells Fargo back to tell them that I received a call from XXXX XXXX XXXX. They didn't seem to concerned and told me that they would handle it. The following day I went into my local Wells Fargo branch. They changed my account # and told me that {$24000.00} was wired from my account. They also told me that a claim was opened. Yesterday XXXXXXXX XXXX XXXX, I received a letter from Wells Fargo stating that my claim was denied because they can not find the money at XXXX XXXX XXXX Where do I go from here? " PLEASE HELP ''. Thank you.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

*I attached My Personal Info Which is My SSC and Utility Bill The Listed accounts were placed onto my consumer report without my permission. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX *Please see attached documentation
Consumer complaint received 2021-07-01
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: ALLY FINANCIAL INC. (NV)

On XX/XX/XXXX, there was a hard credit inquiry pulled that I did not authorize. I have contacted the company by phone and because I do not have an account with the company I have not been able to speak with a representative to inquire about the hard inquiry that was pulled without my permission or authorization to do so.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (FL)

I am not liable for this debt with XXXX XXXX AND XXXX XXXX and I do not have a contract with CMRE FINANCE plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$160.00}
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (MI)

On XX/XX/2021, I made a payment of {$500.00} to XXXX XXXX XXXX using my Discover Debit Card. The first transaction was rejected due to issues with the card, so another transaction was made using the banks routing and account numbers. It is XX/XX/2021 and those funds still have not bee deducted from my Discover Checking Account. The transaction doesn't even show up in my pending transactions. 

Additionally, Discover seems to be re-sequencing my transactions as they never occur in the order in which I make them. None of the transactions, I may clear immediately. They clear within 2-3 days after the transaction was made. An problem I never had with my previous bank before they closed.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (FL)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022 I sent multiple disputes to the consumer reporting agencies. I have found numerous accounts that are incorrect & inaccurate on my consumer report it is now over 60 days since I received any response from all 3 reporting agencies. On XX/XX/2022 i also sent a demand to comply letter. This is now in violation of my consumer right and this has caused me hardship for me and my kids!
Consumer complaint received 2021-03-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2021, I sent a dispute to the credit bureaus asking them to investigate information that is being reported on my credit report. 

After 30 days and no response from any credit bureaus, I sent a second letter informing the bureaus that 30 days has passed without any information and by law the accounts must be removed.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

Hyundai Finance reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. Hyundai acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to Hyundai Finance 6-7 times between XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2019-02-21
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: DISCOVER BANK (FL)

I had been invited to open a Discover credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for discover on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on discover card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or discovers unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. XXXX XXXX.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2019 {$5500.00} Called Bank of America 4-5 times I overpaid my credit card by {$5500.00} and when requested for a refund check on XX/XX/2019, I didn't receive anything for a few weeks. After a few weeks I called in and a representative told me that they will stop payment on the check and issue me a direct deposit into my account, after a week of waiting nothing happened so I called back in. I got the same response from the rep that payment for the check will be stopped and will issue a deposit into my account. I called in 4 times now, still haven't seen a check nor a direct deposit into my checking account, and the representative keep telling me the same thing. Its been over 5 weeks and I still haven't get my money back yet.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

I just received a debt collection letter dated XX/XX/21 from CBE Group attempting to collect a debt for XXXX XXXX for equipment in the amount of {$160.00}. I attempted to return this equipment when I ended the service and this particular equipment I still have, the rep stated they don't have this on file and wouldn't accept it. I did my part and their representative clearly " dropped the ball '' on this. I will attempt to take this back to the XXXX XXXX and get a receipt for them receiving it but any debt collections need to cease. I don't owe them nor have any reason to keep their equipment. This is not a good customer service experience at all. I was with this company for MANY years, tried to do everything in order, then receive a statement from a debt collector!
Consumer complaint received 2018-04-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

I purchased a new home in XX/XX/XXXX. My mortgage was immediately sold, as is usual, to a company I had never heard of - LoanCare , LLC. I paid them normally and as expected until XX/XX/XXXX. Then I received a statement from them, dated XX/XX/XXXX, stating that my Escrow account was in a negative by $ XXXX. This negative account amount meant my monthly mortgage needed to raise by {$350.00} to have enough in it to cover taxes again by XXXX, XXXX. According to their own statements, it was because my county taxes were paid in XX/XX/XXXX for an amount of {$2700.00} even though the projected amount to that point had been {$1000.00}, and the bill they received from the county tax office was only {$910.00}. The tax office refunded the overage, LoanCare 's website and statements show they have received that refund and my new Escrow account estimate was changed to reflect that and is no longer in a negative ; however, since they are still " projecting '' a tax amount of {$2700.00} again for this year they are still raising my monthly mortgage to cover the projected amount. I have an email from the Tax Assessor 's office stating that the mortgage company paid more than they were billed for - that they paid the 6 % rate for a secondary property instead of the 4 % rate of primary residence that I was actually charged for. The mortgage company agrees that they have that information, but because the previous owners rented the property out and were charged the 6 % rate, they are projecting that I will be charged that even though they admit to having all the documentation needed to see that I should not be charged that amount this year and they overpaid and were refunded that amount for last year. I have emailed and called LoanCare several times. Every call was recorded by their office. I can not afford the raised mortgage amount and there does not seem to be any reason for it to have increased in any way. I do not believe that what they are doing is legal, or at least ethical. Any assistance on this issue will be appreciated. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (OH)

The Law states in 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. Nor are they supposed to exchange transaction history with non-affiliates. They have no affiliation with any credit reporting agency or smaller-scale reporting agency such as XXXX XXXX XXXX I have recently obtained a copy of the XXXX XXXX XXXX XXXX ; this company has every transaction relating to me and Navy Federal from the time I joined this credit union. Which is a clear violation of their terms and conditions and my Privacy more importantly. It's no one 's business if I a private American and federally protected consumer is having a hardship or not according to the Privacy act of XXXX removed this information immediately
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have two taken advantage of two promotions on my Bank Americard. The first promotion that I applied for several months ago ends in XX/XX/XXXX, at which point the interest rate will skyrocket. The second promotion, which I applied for just a couple of months ago, ends in XX/XX/XXXX. I have been making automatic payments of {$1000.00} a month which should have the first promotion paid off before the XX/XX/XXXX deadline, but BoA is using nearly all of my monthly payments to pay off the promotion that ends in XX/XX/XXXX first? This is unethical on so many levels I don't even know where to begin. Why can't my monthly payment pay off the first promotion first? I mean seriously, on what planet is this not an obvious attempt by BoA to force me to pay a higher interest rate by forcing me to pay off the second promotion first? This is not only unethical, but it's illogical, irresponsible, and downright dirty. 

I applaud things like your Neighborhood Builders program and your Veterans lending programs, but policies like this one that I've fallen victim to cast a dark shadow over your entire corporation in my humble opinion. I'm confident that you'll do the right thing and end this unscrupulous policy, for your sake, not mine. Do this for yourself, because poisonous policies that are designed to hurt your customers are only going to hurt BoA in the long term. Thanks for listening and have a great day.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I have a Citi Costco Credit card. On XX/XX/XXXX, I received an email saying XXXX, your Costco Anywhere Visa Card makes it easy and convenient to manage your recurring expenses. 

Plus, you'll earn more cash back rewards when you use your card to pay for expenses like utilities, memberships and/or streaming services. 

This note makes it sound like recurring charges earn more than the base 1 % cash-back. I contacted citi via their online chat service and communicated with XXXX on XXXX XXXX. According to XXXX, these cards to not offer more than 1 % on recurring charges like utilities and subscriptions, which is indicated in the email. 

Citi should send a correction or retraction of the email so people do not use credit cards for utilities or rent payments, because vendors frequently charge fees for the use of credit cards.
Consumer complaint received 2021-03-31
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. (MD)

On XX/XX/XXXX we called XXXX XXXX  ( XXXX  ) to pay our card in full and close the account. We asked for the full amount due and paid the full balance of {$2400.00} and asked that our account was closed which it was. The next month on XX/XX/XXXX we received a statement showing a balance of {$39.00} for a late fee charged XX/XX/XXXX, the day before we payed off the card. We called customer service they apologized for the error and we were told it was taken care of and went about the craziness of pandemic life the next months not knowing they did not resolve the {$39.00}. So it began accruing interest. 

Upon pulling a credit report so that we could begin buying a home we realized there had been late payments for those months in between reported to the credit bureaus. We called multiple times and customer service could not help us with this although the did apologize again, after it was totally erroneous and on XX/XX/XXXX customer service refunded the late fees, the interest, and the balance resulting in a {$0.00} balance. 

It took us a very long time to figure out how or who to contact with XXXX about the erroneous late fee on credit report. We finally found out they had a special department so XX/XX/XXXX we sent a letter with all the materials and documents including statements, account showing credits, etc and have yet to hear from them. 

We can not get approved for a home because of how recent the late charges are on our credit report. We are devastated that this error resulting from the {$39.00} charge that was not removed ( or we would have just paid it had they told us to when we called after we paid off the full amount of {$2400.00} in XX/XX/XXXX but they told us not to bc it was their error! ) has left us unable to get approved.