davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NV)

A couple of weeks ago ; Bank refuses to honor old English birth-given name & surname during visit to a branch and during phone call staff stated my account was on a restriction after bank updated account with a change of Information form to include birth-given name and surname of US ID with matching signatures. During phone call staff stated they were going to cancel account. I went to branch for a bank card and the staff said my account was on restriction than told me to call number and talk to security and they were not helpful. I write to remove restriction idea/intimidation and use/confirm debt deferred line of credit with bank checking and savings accounts and receive a debit card. Also an error on statement of account ; a ending balance without visible debit I assume the line of credit is to great to cite ; I cite you in behalf of staff_clerk confusion ; they may have translated it as a restriction.
Consumer complaint received 2024-03-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (IL)

Subject : Urgent Request for Loan Forgiveness Due to Severe Financial and Health Hardships Dear XXXX XXXX  XXXX, I hope this message finds you well. My name is XXXX XXXX, and I am writing to express my profound disappointment and distress regarding my recent experience with Mohela, particularly concerning the update ( or lack thereof ) on the status of my application for student loan forgiveness.

Over the past few months, I have encountered significant challenges that have not only impacted my financial stability but have also taken a toll on my health. As a person living with a XXXX, these challenges have exacerbated my situation to the extent that affording essential medications has become a struggle, further endangering my health and well-being.

I had placed my trust in the student loan forgiveness program as a beacon of hope that could alleviate some of the financial burdens and allow me to concentrate on improving my health. Unfortunately, the lack of updates and communication from Mohela regarding the progress or adjustments to my loan forgiveness application has left me in a state of uncertainty and despair.

Given the severity of my current life circumstances, including my XXXX and the direct impact on my ability to manage my health effectively, I am reaching out to request an immediate review and processing of my application for loan and interest discharge. This relief is not just a financial necessity but a critical lifeline that will enable me to focus on my health without the looming stress of insurmountable debt.

I understand that there are protocols and procedures in place for handling such requests, but I kindly urge you to consider the gravity of my situation. Discharging my loans and interest would not only rectify the distress caused by the lack of action on Mohela 's part but would also provide me with the means to move forward, prioritizing my health and recovery.

I am more than willing to provide any additional information or documentation required to facilitate this process. Please guide me through the next steps and any specific actions I need to undertake to expedite my request.

Thank you for your understanding and prompt attention to this matter. I look forward to your compassionate consideration and a resolution that will help lighten the burdens I currently face. 

Warm regards, XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone stole my identity and obtained credit in my name without my knowledge. Please help me remove these accounts off my credit report I attached documents and I will also list some below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-17
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX 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 that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-17
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. (PA)

In Accordance with the Fair Credit reporting act Everything has to be 100 % accurate on. my credit report The Credit Bureaus stated my account properly investigation in writing but how that possible if the balance is inaccurate last reported date is not accurate Also have inaccurate Original creditor Name. This is ground for removal. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WI)

I did a loan modification an it was approved. Then after I made my first payment I was told that it was not approved and I would have to restart the process. 

This is the second time Wells Fargo has done this to me. The bank improperly denied me a mortgage loan modification, which could have cost me my home.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

Summary of Accounts being challenged in list form XXXX/XXXX  - Account XXXX XXXX  XXXX - Account Number:XXXX XXXX  - Account XXXX XXXX  - Account NumberXXXXXXXX XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In Accordance with the Fair Credit reporting act Everything has to be 100 % accurate on. my credit report The Credit Bureaus stated my account properly investigation in writing but how that possible if the balance is inaccurate last reported date is not accurate Also have inaccurate Original creditor Name. This is ground for removal. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

XX/XX/2021 : According to Coinbase support, my Coinbase account was compromised via session cloning. The attacker was able to sell XXXX ATOMs for {$8000.00} USD ( not including fees ) and withdraw the money using their debit card. 

I have tried numerous times to get information and guidance regarding this issue, but I've only received the static IP address of the attacker. This information was given in late XXXX. Since then, Coinbase has been unwilling to assist me in any capacity regarding this matter.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I have XXXX unauthorized inquiries on my Experian Report. They are for XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I contacted the credit bureau to dispute it but the unauthorized inquiries remain on my credit report.
Consumer complaint received 2020-05-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was involved with a payday loan from ace cash express that I couldnt pay back. Ace cash express called me and threatened to find someone from their location services team to locate me and serve me court papers. When I tried to get information about the papers they wanted to serve me they said they only communicated with them via email and their is nothing they can give me. Ace cash express also told me they will continue calling my job or family members until this is resolved.
Consumer complaint received 2022-07-17
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. (MN)

The following collection account and credit inquiries currently listed on my XXXX, Experian, and XXXX XXXX credit report is a fraudulent collection account and not my collection account or credit inquiries which are authorized : XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (FL)

XX/XX/XXXX I attempted to pay the loan off which at the time balance was estimated around 13,000 this lender only accepts payments less than 1,500 at a time I made multiple payments to total XXXX to pay the loan off. They rejected all but 1 payment and returned them without any notification to myself and any valid reason. I under the assumption the loan was paid off called in XXXX to verify only to find out that it was not paid off. I then requested another payoff amount which XX/XX/XXXX I paid again. I called to verify the payments were applied this time and was advised that they now had to refund the extended warranty plan and that would take 2 weeks to be applied of which they would continue to apply daily interest affecting my total payoff. This company gives you a pay off amount valid for that day only when they don't even allow you to pay it off by continuing to apply interest until they get around to applying a rebate.
Consumer complaint received 2022-07-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX To : Whom it may concern Subject : Paying my home deed remaining balance of {$6000.00} On XX/XX/XXXX, my parent XXXX XXXX and XXXX XXXX were the home owner of XXXX XXXX XXXX, XXXX XXXX XXXX  NY XXXX. They singed a home improvement contract with XXXX XXXX XXXX XXXX  XXXX for {$6000.00} in XXXX. At this time XXXX XXXX XXXX XXXX  has listed merging with XXXX XXXX. However, XXXX XXXX  has been merged with Bank Of America National Association. On XXXX, I purchased the property from my parent. Today the property still has a pending balance of {$6000.00} from XXXX XXXX XXXX Co. I would like to pay the full balance, but I am having a difficulty locating XXXX XXXX XXXX Co so I can resolve the payment balance. Please help me find proper contact information to XXXX XXXX XXXX Co.
Consumer complaint received 2022-07-17
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX and XXXX account # 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 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (IL)

my account with XXXX XXXX XXXX kept showing disputed amounts that I called back in XX/XX/XXXX. I told them that these amounts were being disputed. time flew by and I never received any credits for this amount they eventually closed my account and still till this day I do not see those credits. XX/XX/XXXX {$7.00} ; XX/XX/XXXX {$3.00} and {$10.00} ; XX/XX/XXXX {$3.00} and {$10.00} ; XX/XX/XXXX {$7.00} ; XXXX XXXX {$7.00} and XX/XX/XXXX, {$10.00} ; and XX/XX/XXXX, {$7.00} and XX/XX/XXXX, {$10.00} XX/XX/XXXX {$10.00} and XX/XX/XXXX {$7.00}, XXXX XXXX {$10.00} & {$7.00} I called several times and somehow they don't understand my concerns maybe you can help resolve this. please
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services (FL)

I have disputed 9 accounts on the XXXX  App to have nine EdFinancial and would like them to be removed from my credit report. All accounts are closed and effecting my credit score negatively.
Consumer complaint received 2022-07-17
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX and XXXX account # 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 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-04
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. (MD)

Hi, to whom it may concern transunion is reporting unverifiable accounts on my credit report that's severely damaging my credit score and ability to seek new credit. I pointed out to them via letter that these accounts aren't mine and to please remove them. I sent my last letter back in XXXX and it's now XXXX and I haven't heard back from them yet. They clearly don't care about my issues and aren't taking me serious.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I have a credit card with SYNCB/TJX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX XXXX, and SYNCB/TJX XXXX with no successful resolution. XXXX XXXX and XXXX  only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX  XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days late four times. There was definitely an error on their part. I was never four times 30 days late.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

I paid for a trip to XXXX through my checking acct at BB & T. I had monthly payments taken from my acct and paid to travel agency XXXX. 

On XX/XX/2020 I received an email from XXXX stating they were cancelling my trip because of the COVID-19 virus. There was an attached letter from the U.S State Department. The letter stated that because of virus threat they are issuing a DO NOT TRAVEL alert to all international trips. 

XXXX stated that we would need to get in contact with our bank or credit card company to get our refund. When you call their phone number they refer you to the web-site. When you go to their web-site it only has the letter from the U.S. State Department.

I reached out to my bank BB & T. I explained the situation to them. They said they had to transfer me to the fraud dept. I explained that it was not fraud, but they said they still needed to send me to that dept. I spoke to the fraud agent and explained the situation. They took all the information and told me they would investigate and get back to me. 

A week later I started receiving ATM/Check Card/Electronic Check/Error Resolution forms for each of my charges.

I faxed each one back with the letters from XXXX and the State Dept. proving the trip was cancelled without my permission and due to unforeseen pandemic. 

On XX/XX/XXXX I received a letter stating that because these transactions where non fraud there was nothing the bank could do. They stated with the requested information they would attempt to recover the funds from the merchant. 
I contacted the bank again. Explained that I had previously faxed the requested information. I was asked to fax it again, which I did. 

I have not heard form the bank since then. I called to file a claim for services not received on XX/XX/XXXX and was told I had to wait until XX/XX/XXXX since the other claims where still open. 

This really upsets me that BB & T is not willing to refund me my money. I have been with them since I was XXXX yrs old. 
I had booked another trip with a card from another bank. Had no problem getting my refund from them. Just don't understand the problem. 

I would appreciate any help I can get Sincerely, Miss XXXX XXXX XXXX
Consumer complaint received 2021-10-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (AZ)

We started our original home loan in XXXX XXXX live with my fiancee XXXX XXXX we are not married, she is not on any of the legal paperwork for the house, HomeBridge ( my mortgage company ) did not ask for my consent ; Yet she is the one who first requested a forbearance, not myself-XXXX XXXX. We had never been late or missed a payment until XX/XX/XXXX, when we both lost our jobs.This is the reason the forbearance was requested and it was granted on XX/XX/XXXX. There is a letter from Homebridge stating that they did not get the information correct until XX/XX/XXXX. We stayed on a forbearance for as long as we possibly could- it just ended XX/XX/XXXX. The entire 18 months I was on a forbearance HomeBridge Financial has been and continues to report to the credit bureau that I am not making my mortgage payments and that I am currently 563 days past due. I have called hundreds of times trying to reach a solution with HomeBridge, I have been spoken down to, laughed at, put on hold for a manager then the line gets disconnected.I have literally spent countless hours on the phone with HomeBridge, thousands of phone calls, endless sleepless nights because there is no certainty with my mortgage company. Not once in more than a 12 month time period did a manager ever call me back. I do however have three separate letters on three separate dates stating that my account is paid up to date and as agreed for the previous 24 months. So they are telling me one thing and doing a the complete opposite. My credit score has plummeted dramatically. As a final farewell, HomeBridge sent out our loan modification packet the day that my forbearance ended. The icing on the cake is that 2 days later they sold my loan to a different company- XXXX XXXX..the sold our loan that was in default. Never was it ever mentioned that our financial provider was going to change, I feel like HomeBridge mistreated us and probably broke a few laws along the way just to sell my loan at the last second just in time for it to go into default. I would like to know what your thoughts are about this situation. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (FL)

# XXXX  I signed up with the intended purpose of a prior account to be forgiven because I was misquoted a price. Sunrise credit and XXXX account are the same account associated with my address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My concern is that my name was intentionally altered and not by me in government broadband internet and help. A representative from sunrise credit put words in my mouth telling me people scam all the time ; not me in regards to this account with XXXX  a third time now.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo says bank account closed due to negative balances. No record showing any reason for account closures with no knowledge of negative balances. Wells Fargo will not send me prior statements showing account balance information. This is currently causing an issue opening a new account at any other bank.