davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

Dear CFPB, Thank you for your assistance! In brief : I am requesting that MOHELA comply with federal government law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  who has public loans through the department of education that are serviced by MOHELA. 

As part of my loan repayment, I am required to re-certify my loans on a given date. This is known as an IDR ( Income-Driven-Repayment recertification ) date. The Department of Education ( DOE ) lists my IDR recertification ( AKA IDR anniversary data ) date as XXXX i've attached proof from the DOE 's XXXX website account. The DOE recently made a legal pronouncement, as seen on their website, that because this recertification date falls before XX/XX/XXXX, it should be pushed out by one year. Specifically, my IDR anniversary date is in XX/XX/XXXX. As per the DOE 's pronouncement, this recertification date should be pushed back to XX/XX/XXXX. I am emailing you because MOHELA refuses to comply with this law. 

I contacted MOHELA via phone on XX/XX/XXXX to bring this to their attention. During a 2 hour phone call where I spoke with multiple agents, they assured me that my date would be pushed back by one year to XXXX. I asked for confirmation in writing, but the agents said they would not provide confirmation. Then, my call was dropped, while I waited on hold to speak with a supervisor. So, I then sent a message to MOHELA on XX/XX/XXXX via their secure message portal formally requesting that my date be pushed out XXXX year. I received no response. 

I then contacted XXXX XXXX at MOHELA, via email. He is a complaint analyst, who spoke with me on the phone on XX/XX/XXXX. He assured me that my issue would be rectified immediately, and he would contact me within 24 hours to rectify the issue. He also indicated on the phone call that the issue appeared very clear cut, and therefore was confused why it had taken so long to rectify. 

Despite his assurance I would be contacted within 24 hours, I was not. I emailed him after 48 hours, and have still not heard back. 

I attached proof of my emails, proof of my secure messages. I have attached proof of my IDR recertification date from the DOE website. 

In brief : I am requesting that MOHELA comply with the federal government DOE pronouncement to push by my IDR recertification date by one year to XXXX. This all that I am requesting, that they comply with the law. 

I am humbly requesting your assistance. Thank you so much. Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

I have been trying to talk to someone for 3 months, and I have repeatedly been hung up on and have never actually managed to talk to a person. I have been trying to apply for forbearance that I qualify for, but they dodge my calls and I can't get any information. I am now in collections for the student loan as I can't get any progress on my student loan forbearance process. I have spent hours on hold, only to be hung up on. I've requested call backs, only to be hung up on. This is ridiculous.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LJ Ross Associates (MI)

I filed a previous complaint against this company on XXXX XXXX for calling and hanging up. This company has again called and hung up. On XX/XX/2024 at XXXX LJ Ross Associates made my phone ring several times and hung up. LJ Ross Associates was told to cease and desist from calling me, however ; the have ignored that request and are now harassing me.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (CA)

I look at my credit report during the last XXXX month 's straight. XX/XX/2024, XXXX, XX/XX/2024 XX/XX/2024 and now XX/XX/2024. I noticed there is a lot of inaccurate and incomplete information on my report that has keep my score low. I sent a letter to XXXX on XXXX 2024 asking them to investigate the completeness and accuracy. 

I didn't receive a response from them at all they didn't even try to fix it. They are breaking the Federal Law by not investigating the situation.

According to 15 U.S.C 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure accuracy of the information being reported concerning the individual about whom it is reporting on or relates to. 

So, I then asked XXXX for the description of the investigation according to 15 U.S.C 1681i ( 7 ) : ( 7 ) Description of the reinvestigating procedures. 
A consumer agency should provide to a consumer within the guidelines of said description and methods they have not showed.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( 3 ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. This will be EXHIBIT 3A ( 3 in 1 report will be Exhibit 3 ) If you are unable to provide this information, please delete/remove and block disputed items from my file immediately. I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request. 

XXXX. XXXX XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXXXXXX XXXX  # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX  XXXX inaccurate please delete XXXX. XXXX XXXX  XXXX inaccurate please delete XXXX. XXXX XXXXXXXX XXXX  XXXX SAME ACCOUNT please delete XXXX. XXXX XXXX SAME ACCOUNT please delete XXXX. XXXXXXXX XXXX XXXX SAME ACCOUNT please delete XXXX. XXXX XXXX  XXXX Same Account please delete
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to you to address the ongoing issue of your non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically concerning the refusal to remove unverified account information from my consumer file, which is a clear violation of FCRA Section 616 and Section 617. 
Upon reviewing my TransUnion credit report, I observed the follow discrepancies where accounts previously investigated and deleted by XXXX who has already removed all accounts associated with the following agencies but however are still being reported by TransUnion. I wish to emphasize that I am prepared to pursue litigation to uphold my rights under the FCRA. To prevent such action, I insist on the immediate deletion of all unverified accounts listed below, accompanied by an updated credit report reflecting these deletions : Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Enclosed with this correspondence is evidence demonstrating from XXXX the deletion of these accounts. It is imperative that you rectify this by promptly deleting these accounts to ensure the accuracy of my credit history. 
Despite multiple written requests, the unverified items outlined below persist on my credit report, with your re-investigations affirming their purported accuracy without providing adequate verification. Verification, as defined by XXXXXXXX XXXX XXXX XXXXXXXX, necessitates confirmation through affidavit, oath, or deposition to assure the veracity of statements. Your failure to produce verifiable proof indicates a lack of substantiation for the disputed accounts, thereby obligating you to promptly delete them under FCRA Section 611 ( 5 ) ( A ). Acknowledged that I have presented substantial evidence by furnishing a police report and FTC report detailing the contested accounts, underscoring the gravity of the matter and underscoring the urgency for prompt resolution. Additionally, under FCRA Section 1681n, individuals are subject to civil liability for willful noncompliance, with damages potentially reaching {$1000.00} or more. 
Regrettably, your persistent disregard for legal obligations compels me to consider legal action under FCRA Section 616 and Section 617 to seek relief and monetary damages if the unresolved items are not deleted within 10 days. Additionally, copies of this letter and previous correspondence sent via certified mail, along with proof of delivery, will be submitted to the Consumer Financial Protection Bureau and utilized as evidence in potential litigation should this resolution offer be ignored.
Consumer complaint received 2020-10-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A. (TX)

I have experienced financial problems due to Covid. I reached out to company called XXXX XXXX XXXX to  settle my debts. Mypaydayloan.com has absolutely refused to work with me or XXXX  XXXX. I told them repeatedly I could not afford the payment arrangements they offered me. XXXX XXXX XXXX  has also had no luck with these people. Today I got a letter from XXXX a collection agency. The amount it says I owe is triple the amount of the last email contact I had with them. I told them the payments were 2 high. They ceased communication and turned me over to collections. This company needs to be put out of business. They will not work with anyone. I dont care what they tell you.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX, and XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX any other name or address is not correct and should be deleted to comply with federal law. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

XXXX, XXXX, and XXXX  continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX  XXXX any other name or address is not correct and should be deleted to comply with federal law. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Brown’s New Credit Bureau Inc. (GA)

Browns Collection Service violates the SCRA laws. My husband is listed as a co-owner on this debt and was called to XXXX XXXX service which should have rendered the payment to be less than 6 % interest. I have been paying 10 % interest for the entire time. When I call and ask about it, they say they do not have to honor SCRA benefits and admitted that it was above them, which means they have also been damaging other service members credit accounts.
Consumer complaint received 2024-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Back in XXXX I applied for a Capital One credit card to be sent to an address I was living at the time. However, I relocated before receiving and activating the credit card. Months later I was notified that the card was being used. I reported the card as stolen at the XXXX XXXX XXXX XXXX in XXXX, and even called Capital One to let them know I wasnt in possession of the card. i was alert by the credit bureaus that an account was reporting negatively on my credit history as a charger off account which means the already get paid for i. i called capital one and inquired about it and i was told to pay the amount and it will be resolved, the representative didn't get me to the right person to dispute the inaccurate charges because i didn't know who to talk to and i didn't know anything about credit at that time and so i just did what i was told to pay for it. I had no idea at the time I should have disputed the charges, nor did I know how or was informed as to how to go about having it done. Fast forward to a few years later my phone was stolen with my Drivers license, SSN card and some credit card. someone tried using the XXXXXXXX XXXX that was downloaded on the smartphone that was stolen. I also reported this incident to the police on XX/XX/XXXX. I sent an FTC report to the credit bureaus and Capital One. I was then told they would investigate and have the report removed from my credit. I even asked them to provide me with the original document with signatures, and transaction history used to make payments with my card so I could dispute the claims. They refused to provide me with the original copies of the transaction history that were used. This issue is not only threatening my credit but damaging my reputation and identity. These purchases were not done by me and therefore falls under identity theft. I refuse to accept the penalties for something I did not do. I have been disputing this capital one charge for the pass three years both capital one and the the credit bureaus have history of me doing the disputes. I would appreciate those charges removed from my credit. Please, I am asking for an urgent look into this ongoing situation. i even told the credit bureaus and capital one if the need any clarity about what's going on to contact the detective that's on the case for further information and no one calls him. It has been years, and I am ready to be clear of the damages caused. This is bad business what capital one is doing by not resolving by removing these charges and each time they send out a letter with a number for me to contact them if i have questions when i call i keep getting the run around or no one answering even with the extension number that is attach with the phone number.
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (NC)

I do not recall opening an account with PNC Bank in or around XX/XX/2016 for the amount of {$770.00}. The bank put my on a negative XXXX list and it makes it difficult to open a bank account with other institutions. I believe I was the victim of identity theft as there have been many credit breaches within the last ten years.
Consumer complaint received 2024-03-06
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

In XXXX, we ran XXXX ads using three company credit cards ( ending in XXXX, XXXX, XXXX ). Another XXXX ads account compromised all three cards ( one by one ) and used them to charge and run their own ads from XX/XX/XXXX to XX/XX/XXXX. 

The total fraud amount between the three cards is {$34000.00}. Fraud was challenging to detectit was not caught until XX/XX/XXXX when Chase flagged fraud via text message. Since we used all three credit cards to run our own XXXX billing, we did not see the excess charges until Chase flagged fraud- each charge looked like a standard charge from our XXXX XXXX. 

FIRST ALERT : On XX/XX/XXXX, I received a text message from Chase flagging fraudulent activity from XXXX on my credit card ( ending in XXXX ). I immediately called Chase, canceled the card, and requested that all fraudulent charges be refunded. 

On XX/XX/XXXX, I got another notification from Chase about our second credit card ( ending in XXXX ), flagging fraudulent activity from XXXX. I immediately called Chase, canceled the card, and requested that all fraudulent charges be refunded. 

On XX/XX/XXXX, our company deleted all credit cards from XXXX billing Manager and changed our ad spend to XXXX XXXX terms. I did not want to keep a credit card on XXXX during an open fraud case. 

XXXX instance of fraud : On XX/XX/XXXX, I signed into our Credit Card and found fraudulent activity from XXXX on the card ending in XXXX, which occurred from XX/XX/XXXX to XX/XX/XXXX. I immediately called Chase, canceled the card, and requested that all fraudulent charges be refunded. This third instance of fraud was not flagged by Chase. 

UNSUCCESSFUL RESOLUTION : I have since spent XXXX hours on the phone with Chase XXXX Chase first refunded the fraudulent charges. Then, they contacted XXXX, and XXXX denied the fraudulent charges. The charges were reinstated on our Chase credit card. I called Chase, requested an audit, and provided documentation of fraud. 

The first audit was unsuccessful ( XXXX again reported this was fraud on XX/XX/XXXX ). On XX/XX/XXXX, I requested a second audit and paperwork stating why XXXX denied the claims. 

On XX/XX/XXXX, I received a letter from Chase with a simple statement : XXXX denied the fraud claim due to its " Terms and Conditions. '' Our operations XXXX spent XXXX hours on this case. I have spent XXXX hours on the phone with Chase and countless hours with XXXX trying to resolve this. 

As a XXXX XXXX XXXX, I am bounced between XXXX large corporations- XXXX XXXX XXXX ) and Chase XXXX and unable to progress. 

How can XXXX legally deny this fraud case, alongside our evidence of XXXX terms?
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Coinbase.com has double charged my account and I can not reach anyone from the company. My checking account is sitting in the negative after these fraudulent charges and I cant get any answers. They are blaming XXXX and XXXX is blaming Coinbase. I just want my money back ASAP.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

XXXX Mastercard offered by the crooks of Synchrony Bank REFUSES TO UPDATE MY ADDRESS! 

CAN NOT UPDATE ONLINE OR BY PHONE. Deal with it - I XXXX MOVED! If you want me to get your mail, FIX MY ADDRESS