davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (DC)

My mortgage was sold twice apparently, in quick succession, around XXXX XXXX. I received mail from XXXX different companies that they both now had my loan, and when I called the XXXX company, XXXX, it appeared I was not in its records, then I received a lot of mail from Fay Servicing. Fay was not up-to-date with its records in XX/XX/XXXX, so I mailed check # 1 on XXXX XXXX, XXXX to cover XX/XX/XXXX and XXXX XXXX ( {$840.00} ). Fay processed my XXXX XXXX payment by XXXX XXXX, XXXX, check # 2 ( {$420.00} + {$30000.00} additional principal ). I have a picture of the check/slip before I mailed it. My XX/XX/XXXX Fay interest/tax record came in the mail and it appeared correct ( it seemed like 3 months of interest ). I paid by phone on XXXX XXXX, XXXX ( # XXXX, # 3 payment ever to Fay ) and the recording was not giving me an accurate due date for the payment. I looked on the back of the monthly statement mailed to me and it stated a {$25000.00} principal reduction and {$5400.00} payment applied. That would mean I would have over 12 months of payments PAID IN FULL and this does not match with the XX/XX/XXXX due date that Fay keeps mailing me. This makes zero sense and does not appear to match the payment breakdown on the front of the XX/XX/XXXX monthly statement, {$29000.00} plus {$710.00} interest. All the monthly statements dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all said payment due XX/XX/XXXX. XXXX, the incompetent account manager assigned to this loan, was giving me different numbers that were in the Fay system that did not match the monthly statements numbers when I spoke to him. This was during the week ending XX/XX/XXXX. I asked for the numbers that were in the system to be mailed to me ; he refuses to call me and deal with this. He said that he would have to do the next phone payment so that it is applied correctly but he never called me so that I could make a payment. I called Fay again before I submitted my XXXX taxes XX/XX/XXXX, week ending XX/XX/XXXX, and I got another rep who said he would discuss this case with XXXX and someone would get back to me. XXXX called me at work on XX/XX/XXXX at XXXX EST, hung up, then I hit redial and got his voicemail. I left him a message but have not heard from him. I called on XX/XX/XXXX and got a rep who I asked to be transferred to XXXX 's supervisor, XXXX, and I left a voice mail. I have received a bill dated XX/XX/XXXX that I owe a {$21.00} late charge for XX/XX/XXXX and I received the latest monthly statement with a XX/XX/XXXX due date.
Consumer complaint received 2024-09-13
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. (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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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.
Consumer complaint received 2020-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IL)

I am writing to formally dispute the charge-off reported on my credit report related to the above-referenced car loan account. Upon reviewing my credit report, I noticed that this account has been marked as charged-off, which I believe is incorrect. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically Section 1681a ( 3 ), I am exercising my right to dispute the accuracy of this information. Under 15 U.S.C. 1681a ( 3 ), you are required to ensure that all information furnished to consumer reporting agencies is accurate and complete.

Additionally, under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, you are obligated to protect my financial privacy and maintain the confidentiality of my personal financial information. The GLBA mandates that you safeguard sensitive data and ensure it is not disclosed improperly. Given this responsibility, I request that you verify the accuracy of the reported charge-off and confirm that no unauthorized or erroneous information has been shared with credit reporting agencies. 

Furthermore, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) requires that any adverse action taken against me, such as the charge-off of this account, be accompanied by a clear and detailed explanation. I am entitled to understand the reasons behind this charge-off and the steps I can take to address any discrepancies.

To assist in your investigation, I am requesting the following : 1. A complete payment history, including all payments made, missed, and the corresponding dates.

2. A detailed explanation of the charge-off, including the calculation of the balance owed at the time of charge-off.

3. Copies of any written communication regarding the charge-off and any notices sent to me prior to this action.

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you complete this investigation and inform me of the results within 30 days. If the information can not be verified, I request that it be promptly corrected or removed from my credit report.

Please acknowledge receipt of this letter and confirm that you will be conducting the requested investigation. I look forward to resolving this matter as soon as possible. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, [ XXXX XXXX ] -- - This version of the letter integrates references to the Gramm-Leach-Bliley Act, emphasizing the importance of safeguarding your financial information and ensuring accurate reporting. Be sure to include any supporting documentation with your letter to strengthen your dispute.
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I attempted to access my account after my mortgage was sold to ShellPoint Mortgage ( NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX ) and have been unable to do so with the up to date and accurate information disclosed in a letter sent to my home. I have followed all avenues listed on their website, attempted to communicate with them through alternative platforms ( XXXX and XXXX ) as well as call their multiple numbers listed. I have been hung up on twice and after a brief XXXX search have found that many, many others have had a similar experience.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (IA)

I had someone compromise my account and sent themselves {$1000.00} through XXXX. SoFi has returned the funds to my account, but they have " restricted '' my account- which means I have no access to make deposits or withdrawals or transfers, etc. I have been given no timeframe when this problem will be resolved. They give me no information at all.
Consumer complaint received 2024-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

I paid {$10000.00} to my student loans ( serviced by Mohela ) and the money was taken out of my account of XX/XX/24. The following day I was made aware that my account transitioned ( I was able to make payments up until this point and was trying to finish paying the loan so I would not have to deal with the new system ). 

After a few days of the payment not posting ( as it had in the past ), I called Mohela and customer service stated that it would take 30 business days to post. My account continued to display over $ XXXX is debt owed and autopay was continuing to take money out of my account. I was told I could stop auto pay and then I would just have a penalty on my account but would not get sent to collections for 90 days. As I did not wish to have my credit affected I continued to keep on autopay with the thought that it would be resolved within the 30 days. 

30 days later, my account continued to display over $ XXXX in loans owed. I called and they told me it would take 60 days to post ( they escalated my situation ) and offered to stop auto pay telling me that they would just send me to collections but it would be cleared once my payment processed. Again I refused as I did not want my credit affected. 

Another 30 days passed, my loans continued to display $ XXXX in debt and I was told 90 business days until it would clear. 

After 90 business days I was told that it should just take a few more days, I spoke with a supervisor ( XXXX XXXX who said she had to reboot my account and it would clear in 10 business days. 

10 business days later I reached back out as my account continued to have a balance. I called the extension for XXXX, was sent to voicemail, and my message was not returned. 

I called the following day and was directed to XXXX ( a resolution supervisor ), XXXX was very helpful and assured me that it would be taken care of in XXXX business days. She gave me her extension to call back if it was not resolved. 

On XX/XX/24 I called and asked to be transferred to XXXX to help me with this issue and Mohela stated it was against policy to transfer to an extension. The representative I talked to was unhelpful giving me the option to either stop auto-debit or put the account in forbearance. 

I have made over 13 calls in the past 5 months to resolve this issue. They continue to take money out of my account ( I have been told that once this issue is resolved it will take another 90 business days to get my overpaid money back ), for a loan that is non-existent. My student loans should be cleared and my account closed at this point but the accounting team refuses to update my account despite it being escalated over 3 times now. 

I have have attached a log of my posted student loan payments and well as the numerous calls that I have made over the past 5 months.
Consumer complaint received 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NATIONAL DEBT RELIEF LLC (NC)

First of all, Im a senior citizen living on a limited income from Social Security only. 
I contacted National Debt Relief to clean up my credit report XX/XX/XXXX. 
The Debt showing on my credit report was {$26000.00}. National Debt Relief immediately starting debiting my account for {$230.00} twice a month on the third and the XXXX, which was very much a hardship for me. NDR was able to Negotiate my debt down to XXXX in XX/XX/XXXX this year my account was transferred over to XXXX XXXX. Thats what a whole Lotta of fees and charges were added on bringing my debt back back up to {$27000.00}. 
XXXX XXXX immediately started doubling my account twice a month for {$240.00}. At this point Im Struggling to take care of myself.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I am writing to formally address the unlawful closure of my Visa XXXX card, which I have recently discovered. This action, taken without proper notice or justification, is not only a breach of our agreement but also a violation of federal regulations, specifically those under Regulation Z.

As previously communicated, my account is subject to an ongoing billing error dispute, and I have exercised my rights under 12 CFR 1026.13 ( d ) ( 1 ). This regulation clearly prohibits you from treating any portion of the disputed amount as delinquent while the dispute remains unresolved. Closing my account while it is under dispute is an adverse action that directly violates this regulation, as it penalizes me for withholding payment on a disputed amount. 

Under 12 CFR 1026.13 ( d ) ( 3 ), you are prohibited from restricting, limiting, or closing my account in retaliation for exercising my rights to dispute billing errors. The closure of my account, without resolution of the dispute or proper legal basis, constitutes a retaliatory action and is therefore unlawful. This action has caused significant financial harm, disrupted my access to credit, and further exacerbated the ongoing dispute.

Federal regulations, including the Truth in Lending Act ( TILA ), require that I be provided with adequate notice before any adverse action, such as account closure, is taken. This notice must include the specific reasons for the action and the steps I can take to remedy the situation. I have not received any such notice, nor have I been given the opportunity to address the purported reasons for the account closure, making this action unlawful. 

The unlawful closure of my account may result in inaccurate information being reported to credit reporting agencies, potentially leading to violations of the California Consumer Credit Reporting Agencies Act ( CCRAA ). If any negative information related to this closure is reported, it will further compound the harm caused by your actions and may subject Chase Bank to additional legal liability.

Closing my account without just cause or due process is a breach of the Cardmember Agreement, as well as a violation of the implied covenant of good faith and fair dealing inherent in all contracts. This breach undermines the trust and confidence that forms the foundation of our relationship and exposes Chase Bank to potential legal action for damages. 

Failure to promptly address and rectify these issues will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and potentially pursue legal action to seek redress for the damages caused by Chase Bank 's unlawful actions. I expect your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

The collection company never contacted me about this debt at all. When this charge was found after checking my credit report, I contacted the collection agency, but they refused to provide me any kind of documentation of the charge and the final amount needed to close the account. The charge is a rent property that I have never lived or even been to.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (VA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-27
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: Cascade CISS Holdings, LLC (AK)

The first incident is XXXX XXXX  they say I have a balance of XXXX. Ive never had XXXX XXXX  in my life. The state that I live in. doesnt even have XXXX as a provider I filed a police report. Ive submitted it to XXXX XXXX  and they still have not removed this off of my credit report. 

The second is the inquiries after XXXX  on my credit that are from home loans auto loans I have not applied for a loan so whoever is applying for the loans in the credit it is not me and Ive contacted the companies and I believe my information was sold or scammed becausethat is not me And third, I was scammed by XXXX XXXX XXXX that faked to be a different company that Ive signed a contract for for {$800.00}. This new company came and took the vehicle without contract and tried to charge money. I have no contract with this company no ties to this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the guy that scammed me
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: Experian Information Solutions Inc. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I work for the XXXX XXXX XXXX XXXX  XXXX or XXXX years ago, they offered loan forgiveness. I filed the paperwork. I sent paperwork to my employer. Mohela is not showing that I filed anything. They are also showing that I have not paid on my student loan for over XXXX  years. Which is not true. I was paying my student loan up until the covid-19 pause. In other words, according to them, even though I have worked for a government agency for over XXXX years, none of my payments have counted towards loan forgiveness. And none of the paperwork that I have filed, has been credited towards my account. Also, on their website, it will give you information about forbearance and other programs. But it will not actually let you do so.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-04-11
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. (FL)

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 a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

XXXX AND EXPERIAN ARE REPORTING XXXX XXXX {$9700.00} INCOME ON MY CREDIT REPORT. I ATTACHED 1099B FOR PROOF FROM THE IRS THAT THIS IS TO BE FILED WITH MY TAXES AS INCOME PER IRS GUIDELINES THEY PROVIDED ON THE 1099B.
Consumer complaint received 2024-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I was denied a discharge for school misconduct after completing a thorough application with supporting documentation. The only reasoning for denial in the letter I received stated, " you do not meet the requirements for discharge based on misconduct by your school. '' My school was part of a class action lawsuit in which a {$5.00} XXXX judgement was ordered against them and they were forced to cancel all remaining loans of Borrowers in California. There was another case with the Consumer Financial Protection Bureau XXXX XXXX XXXX, In out of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ) that was filed XX/XX/year>. This lawsuit included my school in particular as it was located in XXXX, IL. I went to this school from XXXX before withdrew from the program with the understanding from faculty and staff that there would be no charge as long as I unenrolled within XXXX. I was told that all money would be refunded to the loan lender and I would owe nothing. I was preyed upon, lied to, and deceived by this school from day one. Today, XXXX XXXX XXXX, I am still paying on this loan and I just received a denial for school misconduct.