davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. An application was sent to Mohela on XX/XX/XXXX certifying all my employment. Mohela is not even processing my PSLF application. They closed it as a duplicate however the only other application on file is listed as cancelled. There isnt a duplicate or at least an approved XXXX so this pushes the processing time even further due to their mistake.
Consumer complaint received 2022-09-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (OR)

To start, my loan was a nightmare. I kept asking about the rising interest rates because I got an offer for a 4.5 % interest rate from another company and was told that Movement was still the way to go because the other included a hidden 1 % additional fee. I ended up getting locked in at 5.9 % on XX/XX/XXXX which was higher than the competitor even WITH the hidden 1 % fee when my lender went into " panic mode ''. I then found out it was really 5.99 %. I was told that XXXX did not exist, that it was a typo and I had signed the document with the 5.99 % on there ( I was told that signing the document was okay because it was not the " final '' version ). 

I ended up calling Movement Mortgage XXXX XXXX on XX/XX/XXXX to get the interest rate situation sorted out. She said she could do one of two things -- Movement would pay {$1000.00} towards the next lowest rate and I would have to pay the excess or they would pay {$1000.00} of my closing costs. I chose the {$1000.00} to the closing costs. I now get an email on XX/XX/XXXX that Movement had to extend my lock an extra day but that my realtor, XXXX XXXX, was taking care of the extra cost for that. 

I now get to the actual signing and the {$1000.00} off my signing is now only {$460.00} as the rest of it went to the extra day lock -- I had XXXX, the escrow officer of XXXX XXXX XXXX Movement to confirm that is where the money went. I have yet to get the remaining {$530.00} of the {$1000.00} promised to me from Movement that was already covered by my realtor and Movement is now trying to force me to sign a Settlement Agreement before giving me the rest of the money they owe and already agreed to pay. 

I got a response from XXXX XXXX on XX/XX/2022 with the following : Cash to Close - After your discussion with XXXX XXXX you were to be given a lender credit of {$1000.00}. Here is how that {$1000.00} was to be applied. We did not charge the .125 % discount point ( {$460.00} ) and we were to give you a lender credit of {$530.00} on the Final CD. Adding those two numbers equals a credit that would have equaled {$1000.00}. Unfortunately you were only given a lender credit of {$460.00} on the final CD. Adding {$460.00} ( fee not charged ) and {$460.00} ( credit ) equals {$920.00} I will be more than happy to send a check for {$75.00} to you but our legal department requires me to send a Settlement Agreement for your signature. If you would like for me to start that process, please let me know. 

Again, they ignore the fact that the extra day lock was already covered by my realtor.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (SC)

I received a letter in the mail stating " We have received your request for a credit product with LOWE 'S issued by Synchrony Bank. Unfortunately, we are unable to approve your request at this time. '' I never applied for this so my identity was stolen. I do not want this to adversely affect my credit or any other financial matters. I would like information as far as steps to take protecting my identity. Thank you for your help.
Consumer complaint received 2022-11-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (TN)

I XXXX : XXXX reached out concerning a transaction between XXXX, XXXX XXXX XXXX dated XX/XX/XXXX involving note and security deed and secured by residential property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee, XXXX, on XX/XX/XXXX. 

The letters I sent were to inform KIA MOTORS FINANCE/ KIA FINANCE AMERICA XXXX that I am exercising my right to rescind this transaction due to a breach in contract which deemed to be null and VOID at the time that the transaction had taken place due to the lack of FULL delivery of all material disclosures that are relevant to the plan. 

Upon reaching out dated XX/XX/XXXX, in response to my letter mailed and dated XX/XX/XXXX. In my letter dated XX/XX/XXXX, I disputed the Alleged {$16000.00} debt that you are attempting to collect. I additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights to request a verification under the FDCPA. I requested a copy of a signed contract. I also requested that you delete any and all reporting made to any consumer credit reporting agencies. You have clearly failed to address my very specific legal request to RIGHT OF RESCISSION, CEASE AND DESIST delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( consumer credit reporting agency ) credit information that is known or which should be known to be false, and KIA MOTORS FINANCE/ KIA FINANCE AMERICA are in clear violation of the FDCPA.

KIA MOTORS FINANCE/ KIA FINANCE AMERICA failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of KIA MOTORS FINANCE/ KIA FINANCE AMERICA sending me a signed contract of agreement signed by all parties involved as requested, KIA MOTORS FINANCE/ KIA FINANCE AMERICA mailed me a ( Re : Request for Information about Your Account ). ( Re : Request for Information about Your Account ) is NOT a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Also, my personal information was released without my consent or knowledge to a third party.
Consumer complaint received 2022-09-29
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: Nelnet, Inc. (NC)

Around XX/XX/XXXX Nelnet reported during the period of student loan payment suspension to the credit bureau a balance increase of my loan and my loan was 90 DAYS past due. Nelnet never sent any documentation or notified me in writing that my bill was past due. I never received anything in writing with a date that my payments would resume and I did not agree to start making payments during this time. This has caused my Credit Score to Drop XXXX points and damaged my perfect payment history overall on my report.
Consumer complaint received 2022-08-02
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: JPMORGAN CHASE & CO. (CA)

I disputed a charge of XXXX USD of XXXX to Chase because " overcharged for something you did purchase with the card ''. The stated price is " XXXX '' in my confirmation email and the website of XXXX. Chase completely disregard the evidences ( the attachments XXXX, XXXX, XXXX, XXXX, XXXX, Signature.pdf, Summary.pdf ) I provide to them proving that the stated price is " Free '', and replied with " You disputed the charge ( s ) because you believe the mechart didn't provide the services you purchased. Based on the information available, we found that you received the services ''. 

I don't believe Chase can not distinguish between " overcharged for something you did purchase with the card '' and " the mechart didn't provide the services you purchased ''. If I still can not resolve the issue at this CFPB stage, I have no other choice but to continue to go to the small claims court to seek justice.
Consumer complaint received 2022-08-02
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. (UT)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX UNIVERSITY Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX  SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SELF-REPORTED XXXX Equifax Employers : XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX
Consumer complaint received 2022-09-29
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: Aargon Agency, Inc. (NV)

Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.
Consumer complaint received 2022-09-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp. (NY)

XX/XX/2022, I tried to make a shipment worldremit this company is locate in XXXX, but the transaction failed, no type of receipt or transaction number was generated because it was not made, however the company took the money from my credit card XXXX. / XXXX us x XXXX = XXXX us times, the customer services don't give me any options in my case, I sent emails but They always send me to the costumer service page but it is impossible to communicate with the company. My bank said they can't do anything to help me.
Consumer complaint received 2022-08-01
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: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX @ XXXX PM CDT - Reserved a hotel room. For 3 nights. 
XX/XX/XXXX @ XXXX PM CST - Was notified of a COVID exposure while still in attendance at a work event. 
XX/XX/XXXX @ XXXX PM CDT - Notified service Provider of need to cancel reservation. 
XX/XX/XXXX XXXX AM CDT - Did not hear back from service provider ( XXXX ) and out of concern, submitted dispute with Card Provider ( Chase ). 

Despite due diligence and dispatch on my part, both parties failed to act in a timely manner and upon hitting some kind of threshold, Chase simply reached out and told me they were declining to pursue my dispute. They never bothered to collect documentation from me which show my active efforts to resolve this issue through both their and XXXX 's customer service channels even prior to the reservation starting. This could have been resolved to everyone 's satisfaction had they simply engaged me. I would have accepted partial settlement of some kind.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

My lease was over and I had a move out date of XX/XX/XXXX. I was given 2 months notice so I had plenty of time to pack and clean the apartment. I moved all of my items and cleaned the apartment before turning in the keys. I received the Final Account Statement on XX/XX/XXXX. It stated that the total I owed was {$1900.00}. The amount was broken down in the following manner : {$5.00} - Water and sewer {$500.00} - Items left behind {$1200.00} - Drywall repairs and paint treatment {$270.00} - Carpet replacement As soon as I got the statement I called the office to discuss these charges as they were not valid. I tried contacting them via phone multiple times, left multiple voicemails, and did not get a response. I continued to call them from XX/XX/XXXX - XX/XX/XXXX with no response in the matter. I emailed them XX/XX/XXXX stating that I had yet to talk to someone regarding these charges. I was told by XXXX XXXX, the assistant manager, that I could not see the pictures as they were for in-office use only. I did not leave any items and there was no damage to the wall. The apartment just needed touch up paint as we were there for years and there was minimal scuffs on the wall. The carpet had the normal wear out as well. Since they were not responsive in this matter I did send a letter disputing these claims. I was never notified, never received any information from the apartment complex. This was placed in collections back in XX/XX/XXXX. I was well in the time frame to discuss these charges and this company did not provide me with any information or evidence of the charges. I have looked at their XXXX page and this is an ongoing issue with other tenants.
Consumer complaint received 2022-08-02
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. (GA)

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 that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-02
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. (PA)

RESPONSE TO COMPLAINT # XXXX Dear EQUIFAX, XXXX PLEASE INVESTIGATE CONSUMER REPORT '' I, XXXX XXXX XXXX consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. You claim these accounts are verified? Please show proof of whom you verified these accounts through? Please send me names and addresses and if you can not provide this information please delete the below accounts. 

Account Name : XXXX/XXXX  Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX/XXXX  Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : US DEPT ED Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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.

Delete these accounts immediately unless you want to be held liable {$1000.00} per violation.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (FL)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also, I have attached the letter I sent out via USPS and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Listed Accounts Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (VT)

There has never been a missed payment on this card, but on 3 separate occasions First progress has dinged my credit for 30 day lates. Now I can not use my card even though there is available balance, and a recent payment. When I called the company they said its because of a missed payment, but even there online service shows the made payment and the customer service agent can't figure out why my card was being declined. My understanding is this is not a legitimate or legal procedure I asked to close the account and they stated it would take 14 weeks to do that, they will not let me talk to anyone else at the company, nor transfer me to a legal department.
Consumer complaint received 2022-11-11
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: CORELOGIC INC (OH)

This company has not provided credit report, yet sent correspondence requesting which items on the report are being disputed. This entity has been asked to remove all items on the credit report which have not been verified with contract signature, appropriate identification and/or social security card. This agency has been asked to remove all addresses not reflective of the current address and many alternate reporting agencies have inaccuracies related to addresses. This entity has allowed unauthorized inquiries on my report and unsoliciated credit and insurance offers.
Consumer complaint received 2022-09-29
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: U.S. BANCORP (TX)

In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15usc 1681 section 602 state I have the right to privacy 15usc1681 section 604a section2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as LATE for any purpose.
Consumer complaint received 2022-09-29
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: DISCOVER BANK (NY)

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. Im writing this complaint to inform your department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. DISCOVERBANK XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, DISCOVERBANK XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}