davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Dovenmuehle Mortgage, Inc. (CT)

Hello, We processed a loan modification with Deovemuehle mortgage servicing. We sent a payment of $ XXXX for past due amounts along with the loan modification agreement. 
In the terms and conditions it clearly states that the escrow advance would be added to the principal balance. It was not added and now we are showing 2 months delinquent and heading towards foreclosure again! 

We would like all fees refunded, escrow advances added to the principal balance as stated in the loan modification agreement, negative credit bureau reporting corrected credit and loan brought to current. 

We have been working with Dovenmuehle for 2 years to get this loan modified. 
Please help us save our home. 
Thank you, XXXX and XXXX XXXX
Consumer complaint received 2024-02-12
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

In accordance with the fair credit reporting act this creditor Mazda Financial has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions under 15usc1666B a creditor may not treat a payment on a lease account under an open and consumer plan as late for any purpose
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I am not able to dispute the charges on the chase credit card online, each time I try to dispute a charge online, it asks me to call the customer service, I can not call the customer service to dispute every single charge. I have attached the screenshot.
Consumer complaint received 2024-07-01
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SC)

I believe MOHELA has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. My IDR recertification date was not extended in a timely manner. I recertified my repayment plan thinking that this was going to be required. This has caused my monthly installment amount to increase from roughly {$300.00} to {$780.00}. Mohela should have denied my recertification application as it was too early to recertify for this plan as recertifications can not be completed more than 90 days before the recertification deadline. My recertification deadline should have been XX/XX/XXXX not XX/XX/XXXX. Per DOE, if my recertification date falls prior to XX/XX/XXXX I should receive an automatic 1 year extension, but my account was not updated to reflect this information.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

The CFPBs investigation found that XXXX  XXXX XXXX double-dipped by allowing fees to be repeatedly charged for the same transaction. Over a period of multiple years, XXXX  XXXX XXXX generated substantial additional revenue by illegally charging multiple {$35.00} fees. 
My account with bank XXXX XXXX was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family! I need the following late payments Deleted : XXXX. XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX ( 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. Late Payments on a consumers credit report is against the law. I didn't make up the laws, congress did, im just asking the CFPB to follow the laws of this country and delete these late payments.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

In approximately 2016 i opened a business checking account with Wells Fargo. My " personal banker '' proceeded to set me up with a checking account and associated savings account, plus an IRA account. I never requested these savings account or the IRA account. I protested the IRA account saying I had never requested it but no one seemed capable of resolving the matter so I let it pass and left approx {$3500.00} in the account. 
For some time now I've been trying to get the funds out of the IRA account but Wells Fargo consistently says the " back office '' has not approved release of MY funds. I've been patient, signing various release docs and speaking with numerous individuals. Until recently, I thought it was the typical bank bureaucracy getting in the way. However, today I was told I need to sign a New Account doc in order for them to approve the release of the funds and I realized they want me to sign this doc so they have documentation of my request for an IRA account. They don't have the documentation because I never requested the IRA account. THis is proof that I never requested deposit of my funds in an IRA account. So, in addition to what I believe is the illegal deposit of my funds in the IRA account, we have a catch 22 situation where they have no record of my approval of the account which prevents them from releasing my funds. In order to resolve this situation they want me to sign a new accounts document so they have my signature on recorded for requesting an IRA account. Kind of proves my point. This is systematic manipulation of the system resulting in continued use of funds by Wells in spite of clear demand for return of client funds. I am not alone. 

I'm filing this complaint because I believe others have been treated this way by Wells Fargo. I had a an offhand conversation with my neighbor about this situation and she said she was in the same situation and not able to get her funds. Wells Fargo appears to continue to be the corrupt bank they have proven to be over the past decade. Unfortunate.
Consumer complaint received 2024-07-01
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. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McNeil & Meyers Asset Management Group, LLC (SC)

Mcneil & Meyers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Mcneil & Meyers, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Mcneil & Meyers has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Mcneil & Meyers promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Mcneil & Meyers to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Mcneil & Meyers , as provided under Section 616 of the FCRA. Done in good faith.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I hope this letter finds you well. I am writing to formally request the deletion of inaccurate information from my [ credit report/account/profile/etc. ] with your organization. 

Details of the inaccurate information are as follows : Reason for Inaccuracy : EXPERIAN LATE PAYMENT ON FILE XX/XX/year> XXXX LATE PATYMENT ON FILE XX/XX/year> I AM requesting the deletion of the inaccurate information from ALL 3 CREDIT BUREAUS Thank you for your assistance in rectifying this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC. (NY)

I am writing to formally dispute the loan application process and express my concern about what I perceive as the use of pressure tactics during my recent interaction with your company. I applied for a loan on XXXX XXXX with reference number XXXX, and I believe the circumstances surrounding the application were not handled in a fair and transparent manner. 

During the application process, I experienced what I consider to be undue pressure tactics, including getting my income to a higher number, and making me sign papers without showing me details such as monthly payment .These tactics not only made me uncomfortable but also raised doubts about the integrity of the loan application process. 

As a responsible borrower, I expect a loan application process that adheres to ethical standards and provides a clear understanding of the terms and conditions. The use of pressure tactics not only goes against these principles but also violates consumer rights. 

I am formally disputing the loan application and requesting a thorough investigation into the circumstances surrounding my application. Additionally, I would like you to provide any recorded conversations, emails, or documentation related to my application for further review. 

I trust that you take this matter seriously and conduct a fair and impartial investigation into the reported concerns. It is my expectation that, upon review, appropriate actions will be taken to rectify any unfair practices and ensure the loan application process aligns with ethical standards. 

Please provide a written response to this dispute, including the results of your investigation, within [ reasonable timeframe, e.g., 30 days ]. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-03-06
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: CBC Companies, Inc. (CA)

Hello I saw your response on CFPB and you did not delete everything : Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. 

I read your response and it is inaccurate. I still see 5 XXXX / XXXX / XXXX credit cards ( one listed as other ending in XXXX XXXX is listed as ending in XXXX XXXX is listed as ending in XXXX and one is listed as ending in XXXX and one is listed as ending in XXXX ) on my account and I still see XXXX XXXX  XXXX XXXX or XXXX credit card ( ending in XXXX ) reporting on my account and I still see XXXX XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see 2 wrong addresses ( XXXX XXXX  and XXXX XXXX  ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! 

You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud.

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again!
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit score in TranUnion has fluctuated wildly in the last few months. Here 's the history : XX/XX/scrub>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 This fluctuation does not seem to be driven by any adverse factors. Number of accounts, hard inquiries, late payments, etc. have not changed at all in this period. 

I called the TransUnion line, but the person I talked to could not provide any explanation.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/year>, I uploaded a dispute letter to Experian on their website, requesting specific information on how they have verified the accuracy of the bankruptcies on my credit report. 

Public Record Court Name : XXXX XXXX XXXX XXXXXXXX XXXX Number : XXXX Court Name : XXXX XXXXXXXX XXXX XXXX XXXX Number : XXXX Specifically, I requested that Experian provide the following information : The Date You Contacted the Creditor/Furnisher Name of the Person Who Verified the Item Method of Communication Used to Verify Information Did the Creditor Provide SSN, Address, and Date of Birth Despite my clear and thorough request and providing my driver 's license, a copy of my SS card, and proof of address, I have not received any response from Experian. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.
Consumer complaint received 2024-01-17
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. (PA)

According to 15 USC 6802-6805, 16 CFR 433.2, 16CFR 433.3 and 16 CFR 313.7 I haven't received an oped out request and I have the right to oped out and request to be oped out. Under the terms and conditions and privacy notice of dept of ed/XXXX  as well as XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX it states that these companies dont provide my information to non affiliates like XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and Equifax which are all third party companies. Proof of claim is my XXXX XXXX XXXX report. The Educational and Privacy Act of 1974 also states that my XXXX  wasn't suppose to provide transaction history to any third party companies. Dept of educationXXXX violated my rights which financially and emotionally damaged me. Also on 15 USC 1681, the certificate of indebtness is income and must be removed. Under the fair credit report act page XXXX it shows that these companies violated my privacy. Also 5 USC 522A, They are NOT to give my social security number out. Lastly promotional inquiries are also a violation. By law, I am suppose to be compensated {$1000.00} per violation. 17 CFR 424 shows proof that these companies committed language fraud and solicitation because under these companies XXXX and XXXX reports, it clearly states that they will NOT conduct solicitation.
Consumer complaint received 2024-02-10
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (MI)

Lenders parent company ( Wheels financial ) has previously been prosecuted by former State of XXXX  Attorney General XXXX XXXX for exploiting legal loopholes in order to larcenously extract much-needed resources from indigent American citizens. 

State Attorney General XXXX had previously stated in 2016 that any online lender attempting to repossess your car is in fact stealing your vehicle : repossession attempts for contracts of this nature were deemed unenforceable by the State of Michigan Attorney Generals Office. ( https : XXXX ) Twice-a-day harassing phone calls with threats of repossession and claims that I have broken the promise No modified payment plan with modified interest rates were presented as an alternative to repossession ; hard threats of repossession made, leading to psychological damage in the form of extreme fear of loss-of-livelihood as a DoorDash food delivery driver Lender is enforcing a 95 % + XXXX, which is an inherently abusive business practice intended to XXXX the indigent of their seriously-limited resources Lender took physical possession of my car title, which is unlawful in the victims home state of Michigan Lender ( Parent company is Wheels Financial ) has a long documented history of preying on those in an extremely desperate financial situation. 

A company that is similar to XXXX XXXX XXXX XXXXXXXX XXXX, the owners of Liquidation were prosecuted in court for larceny by false pretenses and were given prison sentences for their involvement in their criminal enterprise