davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (WA)

My mortgage payment has been around {$330.00} for years. My XX/XX/year> payment jumped to {$1300.00}. No correspondance, no explanation, nothing. I called shortly after receiving the bill. They said it was a mistake on their part and they would take care of it. Something about a new system being in place, I wasn't the only person having this issue. I was told to continue making normal mortgage payments. So I did. Got my XXXX bill and the " normal '' payment I made the prior month was held in suspense, and now I owed 2 months of mortgage payments. I now owe over {$2300.00}. I called again and they had no record of me calling. Also nobody can tell me why my payment is now over 4x what it was 2 months ago. I also tried to register on their website so see if I could get any more information than what I was being told over the phone and their website doesn't recognize me. Also had my son try who is more computer savvy than I am and he couldn't get it to work either. 
I am XXXX XXXX XXXX on a fixed income, relying on social security. This mortgage payment would make me homeless. I have been in my home for over 30 years now.
Consumer complaint received 2023-04-19
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. (MN)

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. OR any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 15 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report. These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 XXXXXXXX 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 Summary of Public Records being challenged in list form XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Discharged Personal Information for TransUnion NAME : XXXX accurate information about me. My only name is XXXX XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX The only reside at isXXXX XXXX XXXX XXXX XXXX, MN XXXX Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NE)

Applied for SAVE and updated my PSLF payments as instructed in XXXX or XXXX. 

On XX/XX/2023 I received a statement dated XX/XX/2023 with a due date of XX/XX/2023 for {$110.00}. The date of this email violated the 21 day rule as admitted by MOHELA themselves on XX/XX/2023. Nothing in the statement indicated this was under SAVE. 

I have been preparing as much as I can for payments to resume still knowing that I had no idea how much I would be paying come XXXX, so when I received the statement I immediately looked at my XXXX budget to schedule payment. 

However, on XX/XX/2023, I received an email that my account had been placed in administrative forbearance. No reason is given and I have not been able to determine whether that administrative forbearance will count towards PSLF. It absolutely should count since this is MOHELAs mismanagement. 

Finally, when I submitted updated PSLF paperwork it was not to request forgiveness as I dont have 120 payments yet. However, the form should have been processed so as to update the number of qualifying payments I have made. With XXXX, I recertified the number of payments annually. Instead of that number being updated, I received a letter rejecting forgiveness because I hadnt made 120 qualifying payments. How am I supposed to know where I stand and apply for PSLF at the appropriate time if they wont update the numbers when I re-certify my employer? 

MOHELA has had years to prepare for this. YEARS. This is asinine.
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NJ)

My name is XXXX XXXX XX/XX/year>. I have a bobs discount credit card through Wells Fargo. Account number is XXXX. I had a payment of {$280.00} due by the 27th. I had auto pay on to be taken out on the 26th. It was taken out & i called multiple times during the week too make sure it was processed & posted because i got a 30 day late payment on my credit report for the same issue that Wells Fargo did not communicate. I called about XXXX times & spoke to many representatives who reassured me my payment went through. This XXXX, i check my account & it says its 6 days late. This is why i continued to call but got lied to. Im asking to not mark my account as 30 days past due or past due to my credit because i was reassured by Wells Fargo the payment 100 % went through. When i think Im done having issues with Wells Fargo, another thing comes up.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (OK)

Under law Delete these accounts from my credit report XXXX, XXXX and XXXX, as well as these Consumer report Agencies *FACTORTRUST *XXXX XXXX XXXX XXXX XXXX XXXX. ( Repossession  ) *XXXX XXXX ( Repossession/eviction ) : Accounts to Delete Includes : XXXX XXXX charge off XXXXXXXX XXXX charge off XXXX XXXX charge off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX charge off XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Aka my car returns to me by law ) loss of wages and damages $ XXXX check made payable to me. 
XXXX  XXXX XXXX Collection Charge off XXXXXXXX XXXX XXXX ( XXXX XXXX  sold debt by Dept of Ed which breach Right to privacy ) XXXX XXXX XXXX - Breach of right to privacy sold debt and loss of wages results in damages $ XXXX check made payable to me Laws and Rules that were broken : 15 U.S. Code 1692c ( C ) 15 U.S. Code 1692c - Communication in connection with debt collection ( Reporting to your consumer report is a form of communication ) -Cease Communication/ Cease collection/ Cease Reporting on my Credit Report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( Didn't give any company the right to publish that info on your credit report ) 15 U.S. Code 1681s2 - Responsibilities of furnish of information to consumer reporting agencies. 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. 


15 usc 1681b ( a ) ( 2 ) Needs Written Permission to Furnish ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Right to Recisson ( 2 ) When the right of rescission is exercised under subsection ( 1 ) of this section, the debtor or person exercising the right of rescission is not liable for any credit service charge, loan finance charge or other charge, and any security interest given, including any such interest arising by operation of law, becomes void upon the rescission. 


Social Security Number is a form of Credit card ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ~Social Security Number~ is a credit card
Consumer complaint received 2024-07-11
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX XXXX XXXX XXXX  initiated withdraws {$9600.00} under XXXX transactions. These were ACH transactions bank to bank. Wells Fargos process-to set up an ACH transaction, Requires a verification by me, the owner of the subject account to verify this account prior to withdrawing funds. This process was skipped by Wells Fargo allowing the funds to transfer. Wells Fargo will not explain How and why they violated the processes of the online access. Demanding the funds return to the account.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (FL)

On XX/XX/year> - I sent American Honda Finance Corp a letter stating they are in violation of 15 U.S. Code 1681a because they have reported 48 transactions to XXXX, XXXX and XXXX. I have never given them consent to do so and asked that it be removed from my credit report. It has been over 30 days and I have not received a response.
Consumer complaint received 2024-07-11
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$1900.00}
Consumer complaint received 2024-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 seven 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. 

These are the inquiries which should be off from report. 
XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (GA)

On Wednesday, XX/XX/XXXX, I presented a cashiers check at a Chase branch on XXXX XXXX in XXXX XXXX, GA. Despite the fact that the issuing financial institution confirmed the validity of the cashiers check on Thursday XX/XX/XXXX as well as matched, paid and cleared via Federal Reserve to Chase ; Chase has refused to release the funds. This has caused significant inconvenience, undue hardship, has impacted pending transactions and left us deeply troubled by the banks handling of this matter. 

To make matters worse, when assistance was sought from a supervisor, named XXXX, we were met with rudeness and condescension. The supervisor informed us that there was no immediate resolution available and that another XXXX would not speak with us for at least 2 days, pending an email be sent requesting the assistance. XXXX, the supervisor, brassily stated that it did not matter that we consulted with the Federal Reserve, CFPB or even the Resolution Management team with the Issuing Bank to assist in validating the Cashiers Check ; because no funds would be released due to it being a paper note therefore a high risk of fraud. We asked to speak with management for assistance again ; but was told that no manager is available ; however, we could receive a return email within XXXX business days, which is an unacceptable response to a matter of this seriousness. 

Most disturbingly, the supervisor, XXXX, explicitly stated that Chase does not care about our status as a customer in good standing for over a decade because the account was only 4 months old and there is no recourse for Chase to recover funds in the case of fraud, even though we continued to softly comment weve been accountholders since XXXX with Chase. XXXX, next stated that the checking & savings account and relationship with Chase for 10 years doesnt matter. 

This situation is not only alarming and unprofessional but also deeply disheartening. As a loyal customer, we expected to be treated with respect and consideration, especially in matters as significant as the release of funds from a valid, cleared, matched and paid cashiers check. Finally, on today XX/XX/XXXX ; XXXX was asked what the funds were for and why a cashiers check of a large amount was presented to the account? This is XXXX! 

We requests immediate action to resolve this issue and to release the funds without further delay. Additionally, she expects an apology for the rude and dismissive treatment received. She also urge the XXXX to review the customer service practices at Chase to prevent such incidents from occurring in the future.
Consumer complaint received 2024-07-14
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. (GA)

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. 
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 XXXXXXXX, has violated my rights. 


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 2024-07-11
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. (TN)

15 U.S. Code 6821 - Privacy protection for customer information of financial institutions U.S. Code prev | next ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 1 ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution; or ( 3 ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 
( b ) Prohibition on solicitation of a person to obtain customer information from financial institution under false pretenses It shall be a violation of this subchapter to request a person to obtain customer information of a financial institution, knowing that the person will obtain, or attempt to obtain, the information from the institution in any manner described in subsection ( a ). 


This law protects me as the holder of the consumer which is the person ( debt instrument ) and employees at XXXX XXXX XXXX had no authorization or consent from me to report any transactions to consumer reporting agencies and who have not provided the Gaap principles to prove a debt exist. Also theres no such thing as late payments on a loan which was never provided by the financial institutions. Bank dont loan money and the employee at XXXX XXXX XXXX proved this. I do not consent to have information reported on the deceased person where they are coercing against my will to be surety for debt. Theres no law which proves that late payments exist. How can a dead person be late on making payments?
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (WI)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX Self Financial INC , has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

This account is not closed. I have filed numerous complaints and have notified the company over 50 times. For some reason they keep reporting the account as closed. And the worst part is they said I CLOSED IT. the account is not closed and i didnt close it. I use this credit card every month and the credit limit just increased to XXXX Credit limits dont increase on CLOSED accounts. This account should be reported as OPEN/NEVER LATE. Comenity/Bread Amex card. Account info Account number XXXX Its reporting closed on all three credit reports. Company needs to fix this. 
Attached statements shows account is NOT CLOSED but open and active. 
You can see charges I made and payments I made for the last few months. its an open account! 
Why do the continue to report it as CLOSED. makes no sense. its not that hard.