davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MI)

I have a federal student loan that I have been working on a TEPSLF  since XXXX. I have been trying to work with the loan holder which is MOHELA. They have been working with me to try to get my loans discharged through the TEPSLF. They gave me the advice of a reconsolidation. I follow that advice now my TEPSLF  is no longer there. I have tried to contact them as well as federal aid.gov and I am not getting any answers. I worked for the state of XXXX  for XXXX  years and qualify for the TEPSLF. I am very frustrated that they are not acknowledging my application or my qualification and I am getting no answers although they have told me I qualify in the past
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: RNN Group, Inc (GA)

I received a call from a company called RNN Group. They claim to be employment verification. I have not applied for any new employment or a big purchase such as a house or car. This person calls everyday and sends emails but will provide no infiormation verifying who they are or who they respsent in the verification. The person calling gave the name of XXXX and a reference number. I reached out. This person was not at their desk the 3 times I called. I left a message. So I called the main line and the person that did answer ( XXXX ) would not verify any information even though I had the reference number, rep 's name, and phone number which was given to me by HR.
Consumer complaint received 2020-10-08
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX - Their name is listed on my Experian Credit Report under Inquires - XX/XX/XXXX. I have called XXXX XXXX XXXX twice to inquire about this matter. Both times I called - recently on XX/XX/XXXX - I have been told from two different employees that XXXX  does not request or report ANY INFORMATION to the credit bureaus. How did it get on the report Experian?
Consumer complaint received 2020-10-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On XX/XX/2020, Equifax received my dispute of account number XXXX, { {$690.00} }, with agency number XXXX with Equifax XXXX I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing  Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.
Consumer complaint received 2015-08-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

I have been paying an interest only for ten years on XXXX trusts for my house at XXXX XXXX XXXX XXXX XXXX, XXXX One of the trusts, an equity account set up by the company, Wells Fargo Bank , at the time of closing on the mortgage, is now in fixed rate status. The other one, the home mortgage, is set to for going market rate in XXXX, 2015. While prior modification applications have failed, I thought Wells Fargo would give me a fixed interest rate when the current rate was due for re-setting. Instead, what Wells Fargo gave me is a 12-month variable rate which would be reassessed on the property annually. Even the rate went from 5.75 to 3.0, I think it is predatory because assuming the going rate for next year is 7.0, that is how much I am going have to pay and when I am unable to pay, I would my house after paying more than {$200000.00} in interest only arrangement. Please step in to protect one more vulnerable customer. 
The names on the Mortgage are : XXXX XXXX XXXX and XXXX XXXX XXXXThe Mortgage Account Number :XXXXThank you for your timely assistance.
Consumer complaint received 2021-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The Credit Report Agency and Debt Collector both did a negligent investigation This is a clear error and violations of 15 U.S. USC Section ( a ) ( 1 ) ( A ) - the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I will send a copy of original contract that XXXX XXXX XXXX  sent me.
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CUSO Home Lending (NH)

I received 2 consecutive inaccurate mortgage statements from CUSO Home Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when my regular amount due is {$1800.00}. Despite these statements, I had my normal monthly amount automatically withdrawn from my checking account ( {$1900.00} which is slightly extra each month ). Upon receiving the second inaccurate statement, I contacted CUSO on XXXX  to report the issue. It was during this phone call that I was told there was a " glitch in the system '' and the error likely had to do with an ARM change. I did not recall that I had this type of mortgage and had a loan approval letter kept with my statements stating the approval was for a 30 year fixed loan at 4.5 %. I sent a copy of the letter via email and CUSO subsequently replied that I indeed had a 10 year/1 arm variable rate. They sent my their copy of the signed documents from closing indicating the 10 year/1 arm terms and asked if I had a copy. What I found in my closing paperwork was an unsigned copy of the 10 year/1 arm. I am not disputing that my signature is on the their documents, I am just explaining why I thought I had a fixed rate. In looking through my unsigned document of the terms it clearly states that I would be notified in writing at least 45 days prior to the ARM change. Not only wasn't I notified, I was the one having to initiate communication regarding inaccurate statements. The communication since has revolved around me paying the new increased mortgage amount with my previous payment being held in suspense. The explanation I was given was that they do not apply partial payments.They sent me an updated statement dated XXXX with the amount due as {$4100.00} ( {$2000.00} for XXXX and {$2000.00} due for XXXX with {$1800.00} being held in suspense ). I have sent a check to cover the difference but both XXXX and XXXX were already sent on the XXXX of each month with my typical payment ). I expressed my frustration to the company and my concern regarding the potential for status of the account to adversely affect my credit ( email sent XXXX XXXX Rather than answering my direct question regarding the status of my account and whether or not this would affect my credit, I got an email response on XXXX simply stating the vice president " is going to reach out to me ''. I have not received any calls or communication since this time.
Consumer complaint received 2018-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

In XXXX XXXX required that I direct consolidate my loans in order to qualify for PSLF. I had previously direct consolidated my loans, but did not have any documentation. I recently found an email dated from XXXX informing me of my submitted consolidation application. As of right now XXXX will only review payments made since my XXXX reapplication. However, I have been paying my loans since XXXX and would like all my payments reviewed to determine whether they qualify for PSLF. I'm attaching the email that was sent to me in XXXX in response to my direct consolidation application.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : NXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX, XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

On XX/XX/XXXX I called Mohela student loan Public Safety Loan Forgiveness program to see when my discharge letter would be mailed for the PSLF, Public Safety Loan Forgiveness program. They tried to take me off the PSLF and put me on a different payment plan. I finished college in XXXX, at that time I was a XXXX XXXX worker ( XXXX for the XXXX of XXXX ). In XXXX I began making payments on my student loan. When the PSLF first came out I signed up for the loan forgiveness. I called back to see how things were going shortly after signing up for the PSLF. They told me everything looks good and I will receive a discharge letter. 

I called back on XX/XX/XXXX XXXX XXXX they told me they were waiting on the other side to make a decision. They told me I made XXXX payments and needed XXXX more payments to equal XXXX. I told them I made XXXX payments. They said yes you did but we accepted only XXXX, had something to do with subsidizes in which all this is new. When I first signed up I was waiting on a discharge letter now this is new trying to have me to continue to pay on a different program and disregard my PSLF in which I made XXXX payments!
Consumer complaint received 2023-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I received a letter in the mail from the new federal Student Loan collector MOHELA stating faulty information about my new monthly payments under the new SAVE plan. This payment plan had me listed to pay 2x than I was paying XXXX 

I am fortunate to be too poor to afford this new amount/payment plan, so I called and complained about the new payment plan. MOHELA had no record of them sending the letter, and the stated the payments were not correct. MOHELA stated that they had no records in their system indicating I would ever have to pay the amount that I was notified by mail to pay. 

While the company was able to rectify this issue for myself, giving me a correct payment plan that is {$130.00} cheaper than what was stated on the letter, I am deeply concerned how this system is being handled by MOHELA. One major companys, mistake, may jeopardize the livelihood of other households and incomes. 

Can someone please please please look into this? My concerns are not for myself, but I am the oldest of XXXX XXXX XXXX XXXX, and work XXXX hours of a nonprofit. I do not want to see any of my siblings or in-need clients struggle with similar stressful faulty information.
Consumer complaint received 2017-01-04
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (LA)

Wells Fargo put a stipulation for the date they must receive an offer in order to entertain a short sale. I have a XXXX % backed VA loan, so Wells Fargo will receive all of their money regardless. They are trying to foreclose on the home now even though they will get all of their money when the house sells.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NV)

I opened the Best Buy credit card account to purchase a laptop for about {$650.00} at the Best Buy store in XXXX of XXXX. I was barely using my card at that time. Made small purchases at gas stations and fast food places. The Citi bank never mailed me paper statements since I opened an account. In the summer of XXXX, I got a bill stating that I owed {$4600.00}. I tried to call the bank numerous times, talking to a lot of different representatives about it. I was told that the charges were made on onlyfans.com site. I asked to mail me a transaction history. I received it in the mail. The statement listed multiple charges in different amounts on the same website within a few minutes at different dates. I called back the bank to notify that those charges were not mine. The Bank failed to recognize and notify me of the fraudulent activities that were going on my account during the Fall and summer of XXXX. I asked to connect me with the Security operation department to open an investigation. I made a few payments on my card while waiting. In XXXX of XXXX I received a letter from the Security operations department notifying that the investigation was completed and the disputed charges were removed from my account. Unfortunately, the letter did not provide any details on the amount of the removed disputed charges. I was not able to access the Citi bank website to view the information online, because the site does not recognize my credit card number. The card is no longer active. I received another bill afterwards, stating that I still owed {$4600.00}. I also received a letter threatening legal actions if I don't pay that amount. When I call the Citi bank by using my social security number, it automatically transfers me to the XXXX XXXX XXXX that is trying to collect the debt. The debt is not mine! I appreciate your assistance in this matter.
Consumer complaint received 2020-10-08
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: Atlanticus Services Corporation (GA)

I submitted a dispute claim with Aspire on XX/XX/XXXX for a return that I made VIA XXXX on XX/XX/XXXX and provided Aspire with my tracking number from XXXX as well. As of XX/XX/XXXX Aspire still has not responded to my dispute request. I have called Aspire to follow up however I just get the runaround.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Over the past 7 months I have been monitoring the interest payments on my credit card from Bank of America ( rewards ). The interest seems rather high to me. I believe their interest calculation works in principle according to : 1 ) the interest on any statement refers to the purchase amounts carried over from the previous month. 
2 ) the closing date ( XX/XX/XXXX ) and the payment due date ( XX/XX/XXXX ) are different, 3 ) the interest rate on amounts carried over from previous months is really high and seems arbitrary as the following data from my credit card statements shows : statement date interest charged balance amount paid ( $ carried over ) XXXX/XXXX/16 {$14.00} {$1400.00} {$1400.00} ( {$0.00} ) XXXX/XXXX/16 {$16.00} {$1400.00} {$1400.00} ( {$63.00} ) XXXX/XXXX/16 {$14.00} {$1100.00} {$1000.00} ( {$120.00} ) XXXX/XXXX/16 {$15.00} {$1000.00} {$1000.00} ( {$29.00} ) XXXX/XXXX/16 {$6.00} {$520.00} {$250.00} ( {$270.00} ) XXXX/XXXX/16 {$12.00} {$1200.00} {$1200.00} ( - {$3.00} ) XXXX/XXXX/16 {$9.00} {$1600.00} {$1000.00} ( {$600.00} ) My monthly payments were all made on or before the payment due date. 

My problem is that I called BoA for clarification - it took over 1/2 hour, multiple holds, speaking with XXXX representatives before getting a rough answer - made by the above XXXX points. Their description on how to avoid interest payments on regular retail purchases seems simple enough - " Pay the statement in full. '' However, debt carry-over into the next billing period seems arbitrarily exhorbitant, according to my data above, i.e. interest charged vs. ( $ carried over ). BoA does not provide clear rules in this regard. Coupled with calculation uncertainties surrounding the different closure and payment due dates, even the BoA representatives that I spoke to were confused on how interest charges are computed. One representative even commented on possible interest charged on purchases made within the closing and payment due dates - showing up on the next billing statement. As I did not receive a $ -to- $ itemized detail on how BoA obtained the precise interest figures, I conclude BoAs practice of interest computation is nothing short of obsfucation that works in their favor ; and hence predatory. Although the interest payments are not large in this case, I feel BoAs credit card practices deserve closer inspection.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

These inquiries are unauthorized and have been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) multiple times over. Remove these inquiries ( XXXX XXXX, XX/XX/XXXX  ; XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  ) as seen in the attached. 
Also these unauthorized inquiries which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and EQUIFAX is in violation of 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) and is liable for each inquiry. Find my invoice attached.
Consumer complaint received 2020-09-22
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. (CO)

I have filed the proper FTC affidavit and police report. I sent a letter with both attached to it to XXXX XXXX. They apparently verified the information as accurate despite the clear evidence that I submitted. This is a huge violation of my rights. PLEASE HELP ME!
Consumer complaint received 2016-11-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On Thursday, XX/XX/2016 I initiated a mobile check deposit to my business account via Bank of America 's smartphone app. 

After the check had cleared, on Friday an employee of the bank placed a " hold/freeze '' on my check. 

A note in account details said a letter had been sent through standard U.S. Mail explaining the reasons, which diminishes the purpose of convenience of a mobile deposit. 

On Saturday XX/XX/XXXX, an email was sent to my business account with a Pdf attachment stating " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. 

This indicates the judgement and belief of a certain employee that either s/he believes based on some kind of evidence that the check is somehow fraudulent. 

I need to know exactly : What kind of fraud the employee believes s/he has detected to justify such false representation ; Exactly what " check specific information '' is imagined to indicate such falsehood ; The full name and position of all persons involved in this conspiracy to meddle in my business and defame myself and my associates ; The complete details ( including name and rank ) of all parties internal and external who has been affected by the conspiracy including specific departments, law enforcement agencies and personnel ; and any other financial institutions conspiring with Bank of America.
Consumer complaint received 2016-07-29
Product: Payday loan — 
Issue: Can't contact lender — 
Company: FastBucks (VA)

I DID NOT APPLY FOR A LOAN WITH PAYDAY LOANS. 
I received several calls from XXXX XXXX XXXX about a claim. Spoke to XXXX representatives who stated that i was in default and breached contract with Payday Loans in the amount of {$430.00}. Was given XXXX options to settle - XXXX XXXX XXXX one time payment in full of {$430.00} or installment payments on {$530.00} to be received in their office within XXXX5 days. They referenced a previous employer, and a financial institution with which I had no accounts. 

I told the XXXX representative that I refused to pay because I did not originate the loan - they asked and I confirmed the last XXXX of my SSN with the representatives and gave them my current mailing address and email address.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Pursuant to 18 usc 8, l owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4