davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (GA)

At XXXX on XX/XX/XXXX, our Discover Bank checking account was hacked, fraudsters called from Discover 's number to state fraud charges, verified my information, though they were already in my account reading off debit purchases to me, turning off notification settings to alert me to wire transfers. My email was spammed, I searched for Discover emails feeling uneasy, and saw a {$21000.00} wire was initiated to XXXX XXXX. I called Discover within an hour of the initial call from who I thought was Discover, they began a XXXX recall. XXXX XXXX called me with a reference # to the wire to confirm, I called back and confirmed it was fraudulent. I was told the next day when I called Discover ( XX/XX/XXXX ) that in the SWIFT recall messaging between banks, Discover had reached out to XXXX XXXX to state the wire was fraudulent and XXXX XXXX had reached back out to confirm. I was told they would stop the money, and once the money was returned, it would go back in our account within 24hr. XXXX XXXX gave me a fraud escalation case #, then said Discover would handle it with them from there. XXXX XXXX has since said they can not give information to me since I do not have an account with them. Discover told us to call for updates, and we have done so weekly for almost 3 months. A coupe of weeks ago on a call, a Discover associate, XXXX, told us she found a form that XXXX requested from DB that was not completed, so the recall was closed. She stated she re-opened it, but this was concerning that someone dropped a ball in protecting our money and following through, so we reported this to the FDIC. Today, I was told again that the initial recall " tracker '' was closed, 8 days ago on XX/XX/XXXX, and that if XXXX sent the {$21000.00} back to DB, we would get it back, but that they were " waiting on XXXX XXXX. '' Not only was our account information breached where someone was able to access our bank account and personal information before any of this, but we notified DB and XXXX within an hour of the fraudulent wire and were told they were able to start the recall. Discover Bank has neglected to protect us as consumers, even though I actively am enrolled in the identity protection services from them. We can not function without that money. Please, someone help!
Consumer complaint received 2024-04-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MN)

Mohela sent me my letter of loan forgiveness under PSLF on XX/XX/XXXX. On XX/XX/XXXX they put the balance back on my account as owed and stated they " made a mistake ''. It had already been removed from my credit report and I had moved forward with new financial obligations aimed at retirement making it very difficult to absorb this monthly payment I was told was forgiven.
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (LA)

On XXXX, XXXX, 2020 XXXX XXXX made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX XXXX made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX XXXX Made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX  XXXX XXXX  made an unauthorized fraudulent inquiry on my credit report.
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

My Paypal account was used to make a purchase off a website called XXXX. The website was a preorder business for sneakers and Paypal was the only accepted form of payment. Three total sneakers were ordered off the website on separate transactions : The first on XX/XX/2022 in the amount of {$220.00}, next on XX/XX/2022 in the amount of {$210.00}, and finally on XX/XX/2022 in the amount of {$230.00}. The transaction total was {$660.00} and was all paid to the merchant through my Paypal account. Prior to delivery of the merchandise the business had gone bankrupt, therefore I never received any of my orders. I immediately filed a claim with Paypal by XX/XX/2022 to try and get a refund for my purchase. The claims were escalated by the representative, but was denied citing reasons that " buyer protection '' does not apply to items purchased with the intent to resell. The ordered merchandise was solely for my own personal use and collection. There was no intent to resell or redistribute the purchased merchandise. Have been attempting to reopen claims, however Paypal continues to refuse refunding my purchases even though it falls under their buyer protection policy. Trying to seek resolution but thus far have bene unsuccessful as Paypal continues to assume my intent for purchase was to resale.
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP (NC)

XXXX XXXX did not pay our home insurance, although the account is in escrow. We have been uninsured for 2 weeks, and ( if our insurance agent will let us be reinstated ) will not be insured again until after the weekend. 

This is the second problem we have had with our account in the 1st month since they bought the mortgage.
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

My loans are currently serviced by Mohela. This is not the first provider that I have had, but it is by far the worst. During the pandemic and while I was in graduate school, I attempted to keep up and make headway in my loan repayments. 
Fall XXXX I initiated the process of getting myself off the automatic school forbearance. It went through, only to then be placed right back in it automatically due to financial disclosures from the University. I informed Mohela customer service verbally and in direct messaging that I wanted off forbearance and to not place me on it again without my direct permission. Unfortunately, that did not occur. 
I graduated fall XXXX and in XX/XX/XXXX, I was notified again that I was placed in forbearance. I again, contacted Mohela to remove that notation and get my payments on track again. 
XX/XX/XXXX I consolidated XXXX of my loans to get them counted towards XXXX. When the approval finally came through with XXXX XXXX and Mohela, I initiated the XXXX XXXX clearance for the new loan. I also made a payment towards that new loan to help get the ball rolling. Without me asking for it, or even agreeing to it, I was automatically enrolled in forbearance for the remaining loansI called Mohela today ( XX/XX/XXXX ) and was notified that this occurred because the system automatically made and implemented that decision for me. Due to my continuing frustration with the process I requested to speak to a XXXX and get it corrected quickly. Unfortunately, when I finally got thru to the supervisor line it went to an auto prompt that said it would take XXXX business days to get back to me. 
Any time I have spoken with someone at Mohela to get my non-requested forbearance removed it is up to a XXXX  day process to facilitate. However, when the forbearance occurs its an almost instant process.it makes no sense. I am beyond frustrated and have never had this much hassle with a loan servicer since I started paying back my loans. 
Additionally, it routinely takes an unhealthy amount of time to speak to someone at Mohela on the phone as well as through their direct messaging system. The messaging system stipulates it takes XXXX  days to respond : however it has taken weeks to ever get a response from the company. 
I am actively trying to pay my loans back and this company is continually XXXX XXXX blocks in my path to do so. I know that if XXXX this frustrated with them, there most absolutely are plenty of others as well.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I do not recognize this company that has made XXXX charges to my business account at Bank of America of {$1900.00} in the month of XXXX. I made a claim with the bank, and they sent me a contract with several errors signed electronically for a loan that I did not sign and neither I received,
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

During COVID loan forbearance we made a large payment that we later found wasnt required. Since XX/XX/year> we have been requesting a refund on this payment as outlined under the XXXX XXXX. We call back consistently, wait for hours on hold, months for it to process, and we still have not received this refund : This is far and above unacceptable practice for anyone, but especially for a federal student loan services.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FirstPoint Collection Resources (VA)

According to the Fair Credit Reporting act ; FIRSTPOINT COLL RESOURCE INC and XXXX has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681. 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 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am not responsible for this debt with " XXXX XXXX ''. I do not have a contract with FIRSTPOINT COLL RESOURCE INC. They did not provide me with the original contract as requested. The above agencies were contacted to removed inaccurate information. Please cease all inaccurate unverifiable collection and reporting efforts immediately. Respond in writing confirming this has been deleted. I have contacted agencies each month since furnished on my consumer report. 

After recently reviewing my personal credit report, I became aware that XXXX and FIRSTPOINT COLL RESOURCES are reporting information that is not correct, inaccurate and unverified, thus encouraging fraudulent activities. I am requesting that the reporting information be blocked and delete. I am also requesting monetary relief, compensation and/or restitution for damages incurred from dropping my credit score from status, which resulted in denial or employment, credit and housing. This is identity thief and defamation of charter. My request to block is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact relevant to the request to block identified transactions The identified transactions are not information related to any transactions by me as the consumer. Failure to remedy this will result in a civil and/ or law suit against agencies involved.
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CNG FINANCIAL CORPORATION (WI)

The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. The IRS states that a cancelled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES so, why is Check N Go furnishing a Charge Off on my consumer report? This account can not be a charge off and a collection at the same time which Check N Go did mention that Check N Go sold this canceled debt to a debt collector! Again, a charge off is a cancelled debt where a form 1099C must be issued to the me! How can you collect on a canceled debt? The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the IRS! Encase you are confused about a write-off as well. A write off of a debt is cancellation of a debt in the account books of a creditor. When a creditor writes off a debt and charges the debtor on the extra amount after the written off debt, it can be taken as evidence that the debtor is discharged from that written off debt.
Consumer complaint received 2024-05-02
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TomoCredit Inc. (IL)

The service is Tomo Credit, specifically Tomo Boost. 

Here is my issue, with screenshots/emails to back this up. 

XX/XX/XXXX, I emailed Tomo to cancel my subscription of their " XXXX XXXX '' for {$34.00}. 

They didn't reply until XX/XX/XXXX ( charging me another month ), and assured me it would be cancelled. 

It is XX/XX/XXXX, and the subscription is still not cancelled. Not only that, but this service reports to the credit breaus with an account on my credit as TOMO. 

This account was closed in XXXX of XXXX, yet they are still charging me {$34.00} every month. 

When I emailed them again to cancel this, and put in a chargeback for the month of XXXX, their customer service is actively refusing to cancel it, for no reason other than " we want to secure your financial future ''. 

Their website also does not have a cancellation feature. You can not remove cards for the subscription. You can not remove bank accounts. You can not cancel your membership. The only way to cancel is through their support at XXXX, and they do not cancel it. Instead, they gaslight. 

Highly un-professional and borderline a scam. The whole point of the boost service is to 1 ) make an account on your credit 2 ) report on-time payments 3 ) this is a monthly service cost of {$34.00}.

Tomo has removed my account on my credit, and is not reporting on-time payments, but they are still charging my account! This is fraud! 

Since XX/XX/XXXX, {$34.00} has been taken unwillingly despite multiple emails to cancel the service. 
That is {$310.00} of my money taken, while also hurting my credit by 10 points. All thanks to this " service ''
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (NY)

I am writing to express my deep concern and frustration regarding a lease agreement I have with American Honda Financial Corp. for a XXXX Honda XXXX. As a long-standing and loyal customer of Honda vehicles , I have always valued the quality of their products and services. However, I find myself in an unprecedented and untenable situation that requires urgent attention and resolution. 

In late XXXX, my parked vehicle, the XXXX Honda XXXX, was unfortunately side-swiped, resulting in significant damage to the passenger side-view mirror and its assembly. Despite my diligent efforts to procure the necessary replacement part, I have been informed that it is currently backordered with no definite timeline for availability. This has left my vehicle with an expired safety inspection sticker, as I am unable to pass the inspection due to the broken mirror, posing a significant safety concern. 

I have reached out to Honda Corporate Office in an attempt to expedite the procurement process for the replacement part. However, after placing an order, which was subsequently canceled without my knowledge, I was informed that the part may not be available until midXXXX, with no guarantee of timely delivery. 

In light of these circumstances, I contacted XXXXmerican Honda Financial Corp. to explore the possibility of returning the leased vehicle and having the remainder of my lease payments waived, considering that I can not safely drive the vehicle due to the unresolved issue. Regrettably, I was only offered a two-month deferment on my lease payments, which does not address the fundamental issue at hand. 

I am deeply troubled by the prospect of being penalized for a situation that is beyond my control. The suggestion of an early lease termination fee of nearly {$4000.00}, in addition to the balance of the lease agreement, is both unjust and unreasonable. As a responsible consumer, I believe it is imperative to seek a fair and equitable resolution to this matter. 

I implore you to intervene on my behalf and advocate for a solution that allows for the timely return of the vehicle without incurring undue financial burdens. I trust that your agency will prioritize consumer protection and ensure that my rights as a customer are upheld. 

I've attached email documentation with my attempts to resolve the matter and proof of the ordered part. 

Thank you for your attention to this urgent matter. I eagerly await your prompt response and assistance in resolving this issue.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (TX)

FCRA VIOATIONS NOT MINE PLEASE DELETE NOT MY CC XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$3500.00} written off. {$2800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5600.00} Status Account charged off. {$5600.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2800.00} written off. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4900.00} written off. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Collection account. {$3.00}, NOT MY CHILD SUPPORT OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} Status Open. {$2700.00} past due NEVER LIVED HERE XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY WORK PLACE XXXX XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX DATA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2023
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

This company IC Systems is placing damaging collection information on my credit reports without any paperwork from them or the original creditor ... I use credit monitoring so it alerted that I owed a balance to XXXX which Im assuming is a daycare attached to one my son attended. I dont owe any daycare money as I have been on public assistance for daycare vouchers with the State of Ohio and up until about XXXX or XX/XX/2018 did not have a copay which means I owe them nothing. They need to validate this debt and remove it or any and all available options that apply under FCRA will be taken
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX  reporting of XXXX  days late payment is still not correct per previously reported on CFPB report # XXXX. XXXX  claim that they researched and updated my account is incorrect ; My credit report still shows XXXX days late for the XXXX XXXX mortgage account.
Consumer complaint received 2021-04-04
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: Nelnet, Inc. (MA)

Account number XXXX at Department of Education/Nelnet ( Creditor ) was re-reported to my credit report ( as two different accounts ) at XXXX, after XXXX blocked and deleted this account. It is illegal for Nelnet to re-report the account after the account was deleted from my credit report, especially when Nelnet did not provide me with a contract with my signature on it to verify the debt account, even though I requested said contract in writing via certified mail with return receipt, on three separate occasions, in 2020. I need Dept of Education/Nelnet and XXXX to DELETE these Nelnet accounts on my credit report at XXXX IMMEDIATELY.