davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NH)

I have a student loan with Mohela. Every couple of days I log into my account to check stuff because I found information on my account is always changing, from the dates the loan is due to the amounts due on the loan. It's changing at such a regular rate ( without any activity, i.e. receiving a payment ) that I have no idea when I'm suppose to pay and how much I am suppose to pay. Today alone it gives me an amount due, which does not match the payment plan amount, and also says that my next payment is due on XX/XX/24 but on another line directly across from the payment date says payment isn't due until XX/XX/24. I also have opted out of paperless statements and have strictly switched over to paper statements so I have a paper trail of everything. The paper statements are very different from the online information. What is going on? How am I suppose to have a clear picture of what is going on with my account if the company that is responsible for my account doesn't even know what's going on with it? 
I have contacted Mohela via email and online messaging and never got a response. It says right on the website that they are having a high call volume problem and to find other ways of solving your problem because they can't handle the volume in which they are receiving calls. 
Why is the government using a service that clearly can not handle the loans it has, and what am I suppose to do moving forward when my account is so screwed up and no one is around to answer questions about it?
Consumer complaint received 2022-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I, a responsible consumer, XXXX, reasonably believe that I have been a victim of ID Theft. 

I detailed my story in my ID THEFT AFFIDAVIT ( attached ). I reached out to the XXXX Police department and filed a report. And I also filed a report with FTC and USPS. 

I HAVE FOLLOWED ALL THE ADVICE. I did everything Equifax saidvIbhad to do. 

It seemed like a lot of work! But I went down my to do list -step by step -ensuring I do the best I can as I attempt to navigate name clearing process, its frustrating that Ive come to a stop. 

An INFORMATION FURNISHER AND DEBT BUYER NAMED XXXX XXXXXXXX XXXX XXXX LOCATED AT : XXXX XXXX XXXX XXXX VA XXXX has very openly decided to ignore the rules of how to assist a victim of id theft. 


Can you please help me remind XXXX XXXX XXXX  of the laws and protections for American citizens like myself. Im not going to pay two debts that ARE NOT MINE. 

Maybe XXXX XXXX XXXX dont understand rules? 


ACCOUNTS IN QUESTION ARE 2 COLLECTION accounts Owned by XXXX  bought from XXXX one is for XXXX and the other is {$350.00}. 

BOTH ARE NOT MINE. 

Thank you for your help, XXXX XXXX
Consumer complaint received 2024-05-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NE)

I attended XXXX from XX/XX/XXXX, to XX/XX/XXXX. My federal loans were forgiven under the XXXXXXXX XXXX  XXXX lawsuit due to school misconduct. 

However, my private loans have continued with an interest rate of 10 %, resulting in monthly payments nearing {$500.00}. Despite making these payments, the total amount owed continues to increase. Navient has been uncooperative, only offering a temporary interest-only plan.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (SC)

This is not my account, and I did ask for a validation and they never sent me one and I never had a account with this company and it is still reporting on my credit report. I will refer to the 15 u.s.c law 1681 this is not fair nor accurate and for XXXX after reviewing it on my credit they never evaluated my credit worthiness. It is reporting to my XXXX and XXXX credit report.
Consumer complaint received 2024-05-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NJ)

Credit Control is charging {$1200.00} to collect a debt from XXXX. 
But I have never opened an account with XXXX. 
This is a fraudulent account. 


Account Number - XXXX Reference number - XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: PNC Bank N.A. (NC)

PNC Ba

nk Originated a wire transfer payable in Euros was advised the fee was {$50.00}. No problem. Upon reviewing the receipt. I noticed the exchange
rate ( {$1.00} ) was not current. The current rate is XXXX XXXX. PNC rate is about 4 % higher. 

I pointed the discrepency out to the banker, she conferred with the manager and was advised the Bank 's rate was higher, which resulted in a {$260.00} USD " hidden fee '' making the " real '' wire transfer transaction fee {$310.00} USD.

In the interest of transparancy and honesty, the bank should have disclosed the exchange rate beforehand. At that point, I would have chosen to cancel the wire transfer and use a different wire service.

Telling customers a XXXX wire transfer fee is {$50.00} is desceptive and should be abandoned.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (NC)

On XX/XX/XXXX comns authorized and used my card to pay even after I told them no. 
And then on XX/XX/XXXX asked me do I want a refund or leave the payment in and I said if I leave the payment in and keep it current.can you remove the 30 day late payment hurting my score. His exact words '' Absolutely! Credit reporting will be updated soon. The account is updating to current. Thank you for being the best part of Conn 's HomePlus and have a wonderful day! And then my reply was ok keep it current then. And on XX/XX/XXXX I asked when will it be removed. They then replied XXXX XXXX nothing we can offer you will " remove '' the account from your credit history, The payment you made to bring your account current did just that. It should be reflecting current at the moment. When they already agreed to it. They misled me twice while stealing my money I'm the process
Consumer complaint received 2024-05-03
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

I purchased a piece of framed art through an online website XXXX  on XX/XX/XXXX and it was supposed to be delivered between XXXX with my Chase/Amazon Visa Card . On XX/XX/XXXX I reached out to XXXX to request tracking information because it had not yet been delivered. They responded with tracking information that indicated it had been delivered on XX/XX/XXXX and was " left at Dock ''. I reached out to the shipper and they indicated that the package was not deilvered to the XXXX XXXX address provided to the seller but it was delivered to XXXX XXXX XXXX XXXX. There is also no dock at this address and no signature or name of who it was delivered to was provided. The XXXX indicated I should reach out to the seller to intiate an investigation. Also on XX/XX/XXXX I sent an email to the seller requesting they start an investigation as well as ship a replacement as soon as possible to an alternate address. On XX/XX/XXXX at noon I had recieved no response and sent a followup email to the seller to provide an update by midnight or I would proceed with disputing the charge. ON XX/XX/XXXX I recieved a response from the seller indicating that they were working with XXXX to have the package delivered. I had already proceeded with disputing the charge online. On XX/XX/XXXX I had not recieved any updates or futher communication and responded to the seller that I had already reordered the item from a different source and recieved it, and that I had disputed the charge, and I requested a full refund. On XXXX upon reviewing my credit card account online I notice that my card was recharged for this purchase on XX/XX/XXXX and back dated to the original purchase date. I called Chase to get an update on the dispute and was told that the seller provided documentation of delivery and that my dispute was denied by XXXX and there was nothing they could do. They also indicated they contacted me by Mail and by Phone about the dispute and did not recieve a response. I noticed a letter today on my online account indicating they found the charge valid because of the original proof of delivery from XXXX. Which when investigated as indicated above does not indicate the delivery address and indicates it was left at a Dock which does not existing either at the shipping address or the address that XXXX confirmed thier records show they tried to deliver it too. The tracking information for the package as of today indicates there is a claim in progress and to please contact the sender for more information.
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have FAXed, three times the requested information from Bank of America, the first two I explained and told them the number given to me, only to be told that that was not the correct number. I was given a second number to FAX my information, and they don't know where that is in the " system ''. I have emailed, multiple times the information requested, only to be told Tuesday from XXXX, that he was only able to see the top third of the documents, to whit I instructed him that that was an IT issue, not mine, so I was transferred twice Tuesday, and was still again requested to send said documents, and I asked if sending just the " third '' sections would be better, and was told better than to not do that. NOW, they are saying that what I sent was not readable, as it was due to it being listed on the bottom half of the page below the XXXX XXXX  ( this is a XXXX document ), and did not include the lien holders name. THIS means they DID and WERE able to read all the documents. They have been giving me the run around for three weeks now and all that I have requested, under duress I will add, is a lien release letter so that we can get our insurance moved to XXXX XXXX from a previous company. They are refusing to release this letter, and I can only guess and presume, they don't really know how to do this. As of tomorrow, XXXX XXXX, we will not have insurance on our home due to their neglect of this matter. I do not have an account number, as this was paid off years ago, and they are unable to give that to me to confirm or deny that there is even a balance on the lien.
Consumer complaint received 2020-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I sent out a Dispute in the XX/XX/2020 requesting They investigate the Auto Loan On my credit report and I Also requested to remove it off my report due to the fact I was sold a lemon. However, I wrote XXXX, XXXX, and XXXX on XX/XX/2020 a Second letter demanding that they comply to my dispute as well as explaining they have 30 days To respond & I havent received any notice or response back from the disputes I sent to All 3 credit Bureaus. I will be most grateful you if you can looking into the matter. 
Thank You for your time consideration.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NM)

I received a Brinks Money Prepaid Mastercard in the mail. The card displayed my name, and came to my home address through the mail. I have not requested the card, and am not sure if it is a scam. It does appear to be very shady practices, and possibly illegal. The card has a activate telephone number to call, and a bank routing number and account number. The routing and account number is not my personal bank or account but it is alarming that the card is requesting I send a copy of my employment check. I do no know how Brinks obtained my name, and address, but I am concerned it is possibly fraud, or illegal consumer practices. I do not wish to receive any offers of credit or any other financial services from Brinks Money Prepaid Mastercard.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my right. 

15 USC 1681 Section 602 states : I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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.
Consumer complaint received 2024-04-25
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello my name is XXXX XXXX. A good friend of mine gave me this email address and said you maybe able to help me with a issuing I am facing with Bank of America edd card. So my issue goes back to XXXX  I had been locked out of my account after I began a claim on a merchant dispute. And I was locked out of that account all the way until 2 weeks ago. I was finally able to get verified with the customer protection dept. and given access back to my account. But because I was locked out I had been unable to finalize and add all the charges for my merchant dispute back in XXXX. So a new claim was made for the charges not covered in my initial claim. That claim was filed on XXXX the XXXX I have attached a screenshot of the email with the date. I can also fowArd the email if needed. according to their dept they sent a letter on XXXX the XXXX 2 days later denying my claim. The claim is self was a large one with several charges on it. There is no way it could have been investigated as it should have been. As well as the 1st part of the claim that was filed in XXXX  was approved and yet this one which should have all been part of it was denied. I know they we fined before for practices similar to this and I am hoping you could help me here with this issue. 
Thank you for your time
Consumer complaint received 2022-08-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Daily resubmission of complaint originally from XX/XX/22 until Experian ceases and desists in defying authority of CFPB in refusing to cooperate with investigation The following figures are directly from the Experian credit report Credit cards or credit lines Total balance : {$85000.00} 100 % credit usage Credit used : {$26000.00} Credit limit : {$55000.00} $ XXXXdivided by {$55000.00} equals 48 % revolving utilization ratio. 

It does NOT equal 100 % as is being falsely reported and as results in XXXXredit score being falsely reported
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-15
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. (CA)

I recently applied for a XXXX XXXX credit card and when they ran my credit they said I was not approved and I would receive a letter in the mail with the details of why I got denied. Today XX/XX/2020 I received the letter and it said that the reason I was not approved was that I had one or more accounts in negative standing. I know I don't have any negative accounts on my credit so I got a copy of my credit report and there are three accounts with negative payment history that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. I have never had an account with any of these companies nor am I affiliated to them in any way. I have no idea who opened these accounts in my name without my permission but I did not benefit anything such as money, goods or services and I never made any payment towards any of these accounts. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct xxxx XXXX XXXX XXXX acct XXXX, has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of conviction of crimes which antedates the reports by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 15 U.S.C 1692c Communication in connection with debt collection 15 U.S.C Acquisition of location information 15 U.S.C 1692b ( 5 ) 15 U.S.C 1692d Harassment or abuse
Consumer complaint received 2024-04-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (IL)

This was back in XXXX with Sallie Mae. My XXXX  were my cosigners on my loan and entered into XXXX, but I was not in XXXX. I had just graduated college, and got my first job using my degree. I went online to try and set up making payments to my loans from Sallie Mae, and saw that I could not log into my account even though I had received an email from Sallie Mae stating that I needed to do just that. 

Confused, I called them up, and learned that my loan was put into forbearance, without my consent, because my cosigner declared XXXX. Because my loan was in forbearance, I could not, and would not be allowed, to go online and set up automatic payments to my loan. 

I had to request my account information from Sallie Mae, settle on an amount I thought was reasonable to start paying back, and determine the split to each of my XXXX loans, all by myself without knowing what was the minimum payment or when any of the variable interest rates would change. I only did this near the end of my time with Sallie Mae, before I eventually refinanced the loans so I could actually see the payments and have a better understanding of what was going on. 

To the best of my knowledge, I have records of paying them {$2200.00} ins XXXX and then {$6000.00} ins XXXX. If I were able to access my account I would have definitely paid Sallie Mae more and on a consistent schedule. I have uploaded confirmation emails from Sallie Mae as well as transaction warnings from my bank of the payments I made to Sallie Mae that I did not get any receipts for. 

To be quite frank, it was not just disheartening having to call in every month, but humiliating too, which is why I missed payments. I would have to wait upwards of XXXX minutes to speak to a representative to have them tell me that my account was in forbearance because my XXXX  were in XXXX. Then having to say that I acknowledge that, and that I am still willing to pay. All the while I was going through some additional hellish abuse at my XXXX  that I would later need hospitalization at a mental health facility. There was no reasonable way that I could keep track of these payments through all of that. 

To prove the hospitalization and the XXXX XXXX, I attached the form that my sort term XXXX insurance provider, XXXX XXXX, requested be filled out by my XXXX  at the hospital. If you require more proof of the situation, or a description of the household at the time, please let me know and I can elaborate. I was dealing with extreme sleep deprivation, along with an abusive sibling and father.