davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OK)

I am currently under SAVE repayment for my student loans. I have made XXXX qualifying payments for XXXX. I expect to reach XXXX qualifying payments XX/XX/XXXX and qualify for XXXX. 
In early XXXX I submitted documentation for employment certification form with Mohela to have my payment counts updated. When they processed this on XX/XX/XXXX Mohela put my account in administrative forbearance. I am concerned that if my account is in forbearance than my payments will not qualify for XXXX. I do not give permission nor do I want my account to be in forbearance. I immediately used the Mohela account messaging service to request my account be in SAVE repayment and not under forbearance. I have not received a response. On XX/XX/XXXX I called Mohela ( which typically involves a several hour wait to get someone on the phone ) I was advised by the customer service agent that my account would be placed back on repayment and not be in forbearance. Unfortunately, my account was never taken off of forbearance. On XX/XX/XXXX I made another attempt to call Mohela but I could not get through to an agent and while waiting the line would constantly drop and I would lose my place in line. On XX/XX/XXXX I called Mohela again and I spoke with XXXX. She also assured me the forbearance would be taken off and my payment would qualify. She asked that I go ahead and make a payment which I did although my account is in forbearance. I then asked if the payment " should qualify or most certainly will qualify '' and she could not clarify. XXXX put me on hold and contacted an unnamed supervisor and assured me that my forbearance will be taken off and that my payment I submitted this day will qualify as a XXXX monthly payment for XXXX. However, following the conversation my account still shows that I am in forbearance. I have not received anything in writing that my payment has qualified. I sent messages to Mohela on XX/XX/XXXX as well as XX/XX/XXXX that have gone unanswered.
Consumer complaint received 2023-10-31
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)

I am writing to express my profound frustration with the way my multiple attempts to rectify fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal distress. 

These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. 

Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. 

I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. 

I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. 

In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. 

I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

From XX/XX/XXXX to XXXX, I was a victim of a money scam. I have filed a police report to the XXXX XXXX XXXX Police Department ( PA XXXX ) On XX/XX/XXXX, and XXXX of this year XXXX, I made a total of four transactions to two email addresses that were operated by the scammer. PayPal returned me the money for one transaction on XX/XX/XXXX, but declared the three others as normal transactions, even though the email addresses of the recipients belong to scammers and my history of transactions on PayPal shows no similar transactions, neither in dollar amount, nor in frequency of transactions. 

The transactions and the emails associated are as follows : XX/XX/XXXX, {$2700.00} XXXX XXXX XXXX XX/XX/XXXX, {$2200.00} XXXX XXXX XXXX XX/XX/XXXX, {$2700.00} XXXX XXXX XXXX XX/XX/XXXX, {$2700.00} ( returned ) XXXX XXXX XXXX My bank has cancelled all four transactions. 

I am asking PayPal to cancel the outstanding debts of the three not yet cancelled transactions.
Consumer complaint received 2023-10-31
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. (IL)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

My credit report is showing late payments to WELLS FARGO BANK N.A XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the WELLS FARGO BANK, N.A 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am an USAA member and on XX/XX/2023 I made a transfer from my XXXX account to my USAA account in the amount of {$50.00} followed by another transfer in the amount of {$25.00} using the USAA app. 
I was using my USAA card to pay for a hotel room and my card kept getting declined for the amount of {$160.00} when my balance was {$200.00}. 
I noticed then that USAA was placing holds on my deposit transfers, so I had to pay with another card. 
I checked my XXXX account and funds were paid to USAA on XX/XX/2023 but USAA placed a hold on those two transfers of {$25.00} and {$50.00} until XX/XX/2023.
Consumer complaint received 2017-12-04
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: Financial Credit Network Inc (CA)

Between XX/XX/XXXX and XX/XX/XXXX a new account in collections was added to all three credit bureaus on my credit report. The collection agency is XXXX XXXX XXXX. The original creditor says its XXXX XXXX XXXX XXXX. 

This account was added to my credit report with NO written notification sent to my address. Please send an original contract with my signature if this account is valid.
Consumer complaint received 2023-10-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (KY)

My mortgage is through Shellpoint Mortgage Servicing, and on XX/XX/XXXX my property had a damage which insurance deemed a total loss, therefore we settled to have insurance payoff the mortgage. My attorney requested a representative from the mortgage company be at the sale of the lot to endorse the check and they were non compliant. We also submitted the 3rd party forms for them to speak directly to my attorney and have still not heard back and that has been over a week ago. The lack of response is putting the sale of the lot and final closing in jeopardy if they do not respond and comply in a timely manner.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CHARLES SCHWAB CORPORATION, THE (IN)

I just noticed that Overdraft protection feature on my Charles Schwab Checking account was enabled without my consent. After I talked to the bankers, I was informed that the feature was automatically enabled for all customers unless customers reached out to the bank to remove the feature. Most banks offer the option when customers sign up the account. In addition, customers can check that status on their online banking. However, with Schwab, customers are not offered the option when opening the account. And customers can't check and remove the feature online themselves. Schwab creates extra burdens and obstacles for customer to opt out overdraft feature, which potentially harm customers ' interest.
Consumer complaint received 2017-12-04
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: Experian Information Solutions Inc. (FL)

I had 1 late payment in XXXX of XXXX. The account is closed and paid in full as of XXXX XXXX. I have asked XXXX XXXX to remove from credit report and account was removed from XXXX and XXXX  ; however Experian will not remove this account.
Consumer complaint received 2023-10-30
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: Experian Information Solutions Inc. (NY)

I filed a complaint with the CFPB about Experian unlawfully, illegally, and without written consent from me the consumer reporting derogatory items on my credit report. I filed this complaint on XX/XX/2023. I received a response that Experian was " investigating ''. I did not request an investigation, I requested immediate deletion due to no written consent from the consumer and inaccuracy. Experian also responded that during their investigation they contacted a " data furnisher '' to verify the accuracy of the account. I am reporting Experian, this is not only illegal this is unethical and not the proper way to validate any alleged debts. I am the consumer, I am the only person that can verify the validity of an alleged debt. Experian illegally reached out to a third party in order to verify information about me the consumer and did not once reach out to me to confirm or deny the validity of these alleged accounts. Any person claiming I owe this debt without my knowledge or including me in the conversation is violating my rights to privacy as a consumer. Experian also responded that they've updated aspects of the account which is also illegal. I did not now nor ever give Experian permission to put false, inaccurate, and financially degrading information about me on their reporting platform. I also received feedback from EXPERIAN that one of the accounts that I disputed would be deleted and that account is still reporting on my credit report despite them claiming they deleted it off my report. This has effected my mental and emotional well being, in addition this is directly negatively impacting my livelihood and creditworthiness. I'm trying to resolve this amicably before bringing the courts into this because then I will be seeking {$1000.00} in damages for each violation.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I don't remember the date in 2013, but I deposited a check that was sent to me for working & my funds were held. then I was blacklisted. It took a decade for another bank to send my money to me, but I still haven't received anything from this one. Im guessing what made them act right is, I started to file a discrimination suit because these banks don't do that to everybody. [ if you get me ]. Another bank owes me money as well, in another area. XXXX. this is why I stopped making any other bank accounts because its too much shady stuff going on.
Consumer complaint received 2023-10-30
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. (IL)

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WASHINGTON FEDERAL BANK (NV)

I have had trouble with my payments being returned due to my accountant provided me old account numbers and at my banks which were recently hanged because of fraud. I explained that I was sorry and made additional payments to cover my balance and my account has always been current and Id not past due. My account is in the closed status but my available credit shows my credit is available. I have been given the run around and everyone tells me different things or has no idea what I am talking about. I provided my passport if on card opening inside a local branch. One week ago I provided id to the XXXX branch regarding my debit card and checking account. I was asked to call my branch to get the hold lifted but they do not know what is needed. I just want to be able to use my card again.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 
Agency : Experian, XXXX and XXXX Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (CA)

Banks Involved - XXXX XXXX XXXX : XXXX XXXX, - XXXX : XXXX  bank that works with XXXX XXXX XXXX to wire funds - Apple Savings : Goldman Sachs bank that works with XXXX I sold my companys stock through XXXX XXXX XXXX and started a wire transfer to my savings account ( Apple Savings, through Goldman Sachs ) Date of stock exercise : XX/XX/2023 Date of sent funds : XX/XX/2023 Amount : {$10000.00} I didnt realize that Apple Savings account didnt accept wire transfers, so I called Goldman Sachs XXXX XXXX them know that this was a mistake and to please reject the funds so it can go back to XXXX XXXX XXXX XXXX 

I was notified by XXXX, multiples times, that their system automatically rejects any incoming wire transfers and that the funds shouldve been returned. They provided an IMAD number and that the funds went back to XXXX. 

I called XXXX XXXX notify them about this auto rejection, and they started a recall funds process. 

XXXX XXXX XXXX through XXXX has not been able to contact anyone at Goldman Sachs to prove that they have returned my funds. I call Goldman Sachs to investigate how I can prove that the funds have been returned and they say that they dont have a way or a team that XXXX XXXX XXXX can reach out and talk to directly. 

The funds have no been returned and Goldman Sachs is refusing to help find the funds further because according to their XXXX theyve already done the investigation and theres nothing else they can do. 

XXXX XXXX XXXX has provided me with a XXXX codes to prove that they sent out the money, but XXXX is refusing to help further investigate this matter.
Consumer complaint received 2017-12-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

COMPLAINANT INFO Complainant Name : XXXX XXXX Residential Address : XXXX XXXX XXXX XXXX, XXXX GA, XXXX Mailing Address : XXXX XXXX XXXX XXXX, XXXX GA, XXXX Home Phone : XXXX Work Phone : XXXX Cell Phone : XXXX Email : XXXX Education Level : XXXX RESPONDENT INFO Respondent Type : Organization Respondent Name : OCWEN Address : XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX XXXX : Phone : XXXX Account Number : XXXX Person ( s ) you dealt with at the company : XXXX ; XXXX COMPLAINT DETAILS Filing for someone else : No Complaint Description : We were denied 2 times for mortgage modifications with OCWEN. We made all trial payments on time. The first modification payments were made through a wire transfer and XXXX claimed they did not receive them and or they were not on time. The second mondifciation we made all trail payments on time, but due to the hurricane. which caused undelivered mail, we did not receive the finalized modifcation packet on time, which had a due date to be returned. The deadline was missed because we did not receive the packet due to the weather. Once we received thte packey I sent it certified and Ocwen took the package and did not sign the certified postage card as acknowledgment of package being received. NO ONE SIGNED THE GREEN CARD, but we received the GRREN CARD back as if Ocwen had signed for it. It had no signature therefore they stated they did not receive anything from us. In addition. we will provided with the wrong mailing address for the final modification package to be returned So, Ocwen attempted to denied the trial modifcation for their error. Once the trail was completed, I became ill and missed the XXXX XXXX Deadline. Our mortage was paid on XXXX. We were notified our modification was cancelled. Ocwen it a FRAULENT COMPANY and are trying to ILLEGALLY foreclose on customers. I did XXXX XXXX XXXX XXXX, who appeared to side with Ocwen and assisted them with the Fraudlent Acts, Ocwen and XXXX XXXX XXXX has caused my medical condition to worsen due to the constant harrassment. I had to pay XXXX per modification due to the home having to load to XXXX XXXX XXXX. It appeared they were changing their amount on customers for GREED. Also, Ocwen increased my Mortgage modification trial from XXXX on the first modifcation to XXXX on the second modication. Ocwen is INTENTIONALLY denying modification based on any factor they can fine, even if you pay XXXX over the modification amount. Also, There are ERRORS in our MODIFICATION PAPERWORK. WE WANT OUR MONEY BACK FROM XXXX XXXX XXXX  BASED OUT OF CALIFORNIA AND OCWEN, in addition to a XXXX payment monthly. 
Joint Account : Yes Joint Account Description : XXXX XXXX, Husband Did you sign a contract? : Yes Amount in dispute : XXXX Transaction Date : XXXX/XXXX/XXXX Attorney Contacted : No Product/Service Advertised : Yes ( Via mail we have no more money to pay for an attorney ) Complaint submitted to another regulator : YES