davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax continue to report incorrect information although they claim to update the information on my consumer report. The credit bureaus have not done as they stated they would, there are name variations that are incorrect and several addresses that do not belong to me. 

The only name I go by is XXXX XXXX and there should be no other name on my report it is inaccurate and causing identity theft issues because its not accurately reporting. My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX any other address is incorrect and should be immediately deleted. 

Failure to comply I will immediately sue each credit bureau for lying about updates that they are not doing this is a violation of my federally protected consumer.
Consumer complaint received 2024-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (HI)

On XX/XX/year>, while serving on XXXX XXXX in the XXXX XXXX, I was taken to a local hospital due to an XXXX  ( XXXX  ) I contracted while in XXXX. I was taken to local hospital, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, because there were no military medical facilities located on the XXXX XXXX XXXX ( " XXXX XXXX '' ). While at the hospital I clearly identified my self as a XXXX  member on XXXX XXXX. 

After receiving treatment, I later received bills directly from the hospital. As required by the XXXX, I notified XXXX XXXX XXXX  XXXX XXXX in writing that they should bill XXXX. I continued to receive bills from XXXX XXXX XXXX  XXXX XXXX and then I later received letters from the collection agency XXXX XXXX XXXX  XXXX XXXX transferred the account to. Now I have received a negative item on my credit report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, and Equifax is reporting incorrect information onto my consumer report. My name is listed incorrectly and the addresses that are listed are incorrect. My name is XXXX XXXX this is the only name that should be listed and this is the correct spelling anything else is incorrect. My address is XXXX XXXX XXXX XXXX, XXXX  XXXX there should be no other address listed on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello. I am XXXX XXXX, DOB XX/XX/, XXXX years old, do not know English, and am XXXX, I have a problem with the credit reporting company Experian. 
In the past year up to today, my credit with Experian has been going up and down in illogical timeframes. Every month my credit score changes and goes up by XXXX points, and then a couple of days later they remove those XXXX points. Every month between 2-4 times my credit score changes, and I have barely any activity in any of my accounts. 
( This is something that does not happen with XXXX XXXX or XXXX, it is exclusive to Experian ). 
I am incapable of speaking to them because I do not know English, and on their website, there is no option to submit a dispute because all it says is to call them. 
Please take care of this, Attached to this complaint are two photos of all of the credit score changes I have had in the past few months. It is just simply illogical everything that they are doing. 
I would also like to add that every day in the afternoon, Experian sends me a notification about my credit score, and every time I go in to check it ( which I am tired of doing ), I see that my score is the same and realize they are sending me unnecessary notifications. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

JPMCB CARD SERVICES - FINAL PAYMENT {$2000.00} ON  XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Consumer complaint received 2018-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo decided to close my accounts for unspecified " security risks '' and then proceeded to remove my direct deposit which caused overdraft fees. They also reversed a deposit for a debit card dispute that had already been investigated and closed in my favor causing another overdraft fee. On top of that they're continuing to allow payments to come out of a CLOSED account so they can rack up even more overdraft fees on a CLOSED account. They're now calling me several times a day to collect money I'm not giving them. This is ridiculous.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (NJ)

On XX/XX/2024 credit karma money locked my spend account where my federal/state tax return was deposited with no explanation I have been calling and chatting and emailing and still no response other than wait for an email I'm going to be homeless with XXXX kids I have a total of XXXX dollars in this account I just want to transfer my money and get my kids a home
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

MOHELA sent a letter dated XX/XX/2024 that states loan sequence 11-15 are satisfied and that I have no obligation or required to make any more payments. The loans are still appearing on my account and I wish to have them removed because I am about to retire and do not need any obstacles.
Consumer complaint received 2018-06-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hillcrest Davidson & Associates (SC)

In XX/XX/XXXX XXXX XXXX poorly installed a security system in the house I was renting without the owner permission. I never signed a contract so they copied and pasted a signiture from another document to a contract. I refused to pay for a non-working no contract system and removed all the hardware and returned all items to them on XX/XX/XXXX which they signed for on a Post Office Return Reciept. They sold the contract to XXXX XXXX XXXX in the beginning of XX/XX/XXXX and never told them there never was a contract. XXXX XXXX XXXX turned over collect ( even after I explained the problems with Prosper Security ) to a collection agency XXXX XXXX. I have provided all this information to XXXX XXXX and they contine to call and herass me. 
I have included a copy of the signed PO reciept and photos of all returned equipment.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I received a billing statement on XX/XX/XXXX, at XXXX with updated loan details and due date of XXXX. I am enrolled in auto debit, but it wasn't clear why this new statement was generated. I spent an hour on the phone with a representative asking for clarification on why my payment amount was changed, if my loan repayment plan was changed ( I did not request that ), and if my auto debit amount that was already scheduled for XXXX would still be charged. I received two notices in early and XXXX that auto-debit payments would occur, but no notice that they had been canceled/adjusted. I am still unclear if the auto-debits scheduled for XXXX and XX/XX/XXXX are still scheduled. 

The rep was courteous and kept asking to put me on hold to " review my file. '' After an hour the called ended abruptly and sent me to a satisfaction survey. At the start of the call the representative asked if they could call me back if we were disconnected. They did not call me back. 

This is not my first time trying to get information from MOHELA. I feel badly for their customer service representatives, but they seem unable to provide answers to basic questions about changes to my loan payment plan.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NV)

After 10 years of having a Chime account, I've had fraudulent charges amounting to more than XXXX dollars. They honored one claim for XXXX leaving XXXX dollars in theft from my Social Security check. 
They have denied the claim and have provided no customer service. 
They have hung up on me twice. I am handling this matter most professionally and it would seem Chime isn't. 
I have also reached out to XXXX and provided requested information. I've never heard back from them. All the charges were from XXXX I have never had an account with wish.com and have never purchased anything from them. 
I immediately within 1 day cancelled my debit card. 
This is really bad.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (MI)

In accordance With the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not an account without my written instructions. Under 15USC 1666ba 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 2020-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

In XXXX of 2020 I r

equested to apply for a refinance on my mortgage with Freedom Mortgage. They warned it may take several months to hear back from them because they were overwhelmed with all the requests they were getting. In XXXX  I received my monthly bill and noticed a charge of {$470.00} was put on my account. When I called to inquire about this I was told because I was filing bankruptcy that they attached a fee. When I assured them I was not filing bankruptcy then I had them verify that I was at the time, two months ahead on the house payment. The representative tried to find out why a simple request to apply for a refinance would now have me showing Bankruptcy, She spoke with a few people and they were perplexed as to why that had shown up. They told me to ignore it. They would have it removed. I still had not heard from anyone about refinancing. 

Late XXXX  I requested someone call me to refinance. NO call back. 
XXXX I went on line and applied to refinance only to be told a representative would call me. NO call back. Yet the {$470.00} fee still remained on my account. 
XXXX, I decided to go through another company. I closed on the refinancing with no problems. I closed on that loan in XXXX. Freedom Mortgage included the {$470.00} fee in the pay off. 
I called Freedom Mortgage to get a refund of my escrow funds and inquired about the fee. They told me they would look into it and if I was eligible they would refund that. 
XXXX I received the escrow check minus the {$470.00} they had charged me.

I called Freedom Mortgage and got a really rude sales  representative that refused to help me and said I had to speak with the refinance department and the person I was working with. I NEVER worked with anyone because instead of calling me to get the refinance started they just marked my file as being in bankruptcy. Thank goodness I stay on top of my credit or this could have ruined me and my ability to get refinanced I want the {$470.00} back that they charged me. I was never in bankruptcy and even the last sales representative that was so rude to me, said that that was happening a lot. Instead of helping people with refinancing they were marking the accounts with bankruptcy. In fact she had just had another incidence. This lady couldnt/wouldnt help me because I could not get her to understand I never made it to speak with a refinancing expert because they would not call me back.

I want the {$470.00} back that they charged me. This is insane that they have this power to charge you for something like this and I can't get anything back.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

XX/XX/XXXX Applied for IDR before loans go into repayment. Application appears complete on StudentAid.gov but Mohela says still processing. XX/XX/XXXX called Mohela : and gave up. Not called back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called Mohela Spoke to someone XXXX in training. She has no idea what she '' s doing. Puts me on hold over and over. She says it looks like the IDR request from XX/XX/XXXX is in process. System error resolution? Can not answer if the standard payment will count towards pslf or if will get refunded. Recommended to refile IDR request, which I did XX/XX/XXXX. Still processing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mohela Spoke to XXXX at XXXX in training.XXXX  is very nice. asked if level payments count. XXXX thinks they do but wants to verify. put me on hold to ask their " mentor '' for 15 min. Says yes they count and will continue to count. asked status of IDR requests from XX/XX/XXXX and XX/XX/XXXX. States I could stay on the level plan if I want if i '' m comfortable with payment. Transferred to specialist, XXXX. she says that if the IDR plan payments are higher than the level, it will be not be enacted. they will automatically save me money. this call took 1 hour XXXX XXXX XXXX XXXX XXXX XXXX XXXX Meeting with XXXX XXXX level plan with XXXX  until the last 12 months but funding could be gone when it '' XXXX gone. Confirmed that level plan will not cover PSLF if consolidated loansXXXX need to ask for it in writing. need to request to be on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at Mohela I Asked to be placed on IDR. She can '' t tell if application was denied. Agrees to do the IDR certification over the phone. told it takes 15 days She clarifies that for consolidated loans over XXXX, level plan does not qualify. She reads the rules and acknowledges that I was misinformed last time I called. She takes notes and transfers to advanced representative to confirm that my XX/XX/XXXX and XX/XX/XXXX and potentially XX/XX/XXXX payments will count. XXXX  XXXX  me on hold XXXX XXXX. States that won '' t know if my XXXX payment will count towards PSLF until I re-certify. My new IDR request may take 15 days. I have the option of going on forbearance to avoid another payment on the level plan. I can file a complaint. They are not sure about my XX/XX/XXXX payment counting though was placed on admin forbearance by them.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (OR)

I had a promotional balance that was due to expire on XX/XX/20. I called Care Credit prior to the expiration date and asked if I could defer the promotional balance and the interest on the promotional balance and was told by a Care Credit representative they did not deal with the promotional balance and I would have to contact my provider to deal with the interest on the promotional balance. 
I thought this was strange so I had the Care Credit representative repeat that I would have to contact my provider. I contacted my provider ( XXXX  ). They stated they had never heard of this and they could not deal with the interest on the promotional balance. 
I then called Care Credit again. I again asked the representative if they could help me by deferring the promotional balance and interest due to financial hardship. At this time I was told they would forgive the interest if I paid the promotional balance prior to its expiration date. This is what they would do anyway as the interest would not be charged unless I did not pay the promotional balance. 
Afterwards, I discovered Covid 19 assistance on the Care Credit website stating they were offering assistance with Promotional balances as a result of Covid 19. ( see below ) I was never offered this assistance and I feel Care Credit has been misleading in not fully explaining the Promotional balance procedure and not offering Covid 19 assistance. 

Financial hardship? We may be able to help. 
If Coronavirus ( COVID-19 ) has affected your financial situation, please contact us to discuss ways we can help including : Fee adjustments Deferred payments Extending an existing credit card promotion Reevaluating your credit limits Contact us to discuss options
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (MA)

- I was going through my credit report and noticed that an account ( XXXX XXXX XXXX  Act. # XXXX ) that I closed, it's reporting that I was market on my credit report as I was late from 30-120 days. I made the payment on-time as required by the company but never received the bill that I was paste due. Than you!
Consumer complaint received 2022-09-28
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Helbing Law Group (NY)

I am assisting XXXX XXXX. XXXX XXXX 's only source of income is XXXX. Despite her very limited income, which is exempt from collection, Helbing Law Group induced her to sign up for its debt settlement services. She agreed to pay Helbing Law Group {$7300.00} from XX/XX/XXXX to XX/XX/XXXX to settle XXXX debts totaling approximately {$10000.00}. From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX paid Helbing Law Group a total of {$7600.00}. On XX/XX/XXXX, there appears to have been an additional payment of {$3000.00}, which XXXX XXXX never authorized. 

XXXX XXXX would like the additional {$3000.00} payment to be returned. She would also like written confirmation of which debts have been settled in full, as well as a refund for all fees corresponding to debts that were not settled in full. 

I have tried contacting Helbing Law Group on several occasions, but they have refused to speak with me, despite receiving oral and written permission from XXXX XXXX. 
Please copy me on all communications.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (IL)

No idea of this account. Address on report is the complex next door to my old residence. Never stayed there. Never been evicted. This is Fraud. Original creditor XXXX XXXX XXXX XXXX. Debt sold to XXXX XXXX XXXX  for XXXX. This address and debt is unbeknownst not mine. Ive already disputed this account with XXXX. Also An XXXX account that I never had and XXXX Also. I have never had a fancy phone. Always a government phone. I am on food stamps. I can not afford these phones that are XXXX of dollars. I live in a government subsidy. I was just homeless and lost all my identification within the last 2 3 years and thats when all the fraud started. XXXX XXXX XXXX is {$2600.00} already disputed and police reports made. XXXX XXXX {$1200.00} disputed and police report made.