davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Colony Brands, Inc. (OK)

I owe {$140.00} to Montgomery Ward. Whenever my first payment was back in XXXX I had hardships losing my job. I have tried emailing the company at first for my account number for months, they never responded nor replied to the email request sent through their website. I finally get logged into it and received a threat letter saying if I do not pay said payment the account will go into collections where it'll further harm my credit. I am trying to mange I have to file an appeal with unemployment because I forgot to register for work so I don't even have any income coming in yet. The company doesn't seem to have any form of insurance I went digging for it to file a claim so it can at least be paid. I am " XXXX '' days behind on my bill will is drastically hurting my credit I do not know what to do here.
Consumer complaint received 2024-02-08
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. (NJ)

I asked the Bureau who was the furnisher of the Information that I requested Be Deleted.The Response was The Bankruptcy Court.Which was a Lie.I did not consent to any of this information being shared.
Consumer complaint received 2023-12-01
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/XXXX $ XXXX was fraudulently transferred via wire. I got a text from Capital One asking about it and immediately called them to say it was not an authorized transaction but was told it had already been sent. I've been told by Capital One that they issued a recall on the wire transfer at XXXX XXXX. This is somewhere between 1-2 hours after I called them. The money was transferred to XXXX in XXXX XXXX XXXX, UT. Routing # XXXX. The account that received the money is XXXX. Their phone number is XXXX. They have been completely unresponsive to the recall request from Capital One. I have called their member security team but they won't deal with me because the account there is not mine. On XXXX I told Cap One they needed to call them to discuss the situation. There wasn't any confirmation they would do that but they did send another recall request. 

I had another checking account defrauded via debit card on XX/XX/XXXX and my bank immediately returned the money while it was being investigated. Capital One will not return the money and have said if XXXX doesn't cooperate they won't. I immediately alerted them to a problem. It was a wire transfer that could easily have been held until they got my confirmation from the text THEY sent but they sent the wire anyhow. Now they are saying it's my problem and the money is lost! I have no control over XXXX but I can't believe they have the option to not cooperate with receiving stolen funds. I have filed a police and FBI report about this.
Consumer complaint received 2024-07-22
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. (FL)

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY CREDIT REPORT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THE ACCOUNT ARE UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I have been paying g {$200.00} a week to Mohela starting XX/XX/. This amount continued when repayments started up last month. Starting in XXXX, I added {$65.00} to the last week of the month to meet the monthly minimum of {$850.00}. 
When the payment period ended and the end of last month, the Mohela website showed an outstanding balance of over {$700.00} even though I had paid {$860.00} last month. Their system shows that they recieved the payments, and I recieved email confirmation for each one. I sent a message through their website as they did not have an email on XX/XX/ asking why this was. The only response I recieved was a link to make a payment. I tried calling them on XXXX and waited on hold for XXXX hours without receiving any assistance. 
I sent an additional message about this issue on XX/XX/ and still have not heard back from Mohela. 
It is worth noting that I did not recieve a XXXX billing notice until XX/XX/ I'm not sure what else to do. I have been paying every week and I do not want to be harassed by debt collectors or be charged a late fee for money I've already paid.
Consumer complaint received 2023-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

Trouble with company responding and also processing items correctly and in timely matter. Been waiting hours for return calls and weeks for response to email correspondence. Company is incorrectly charging account and or updating process of documents and actions. No notification or correspondence is being given. 

No bill was ever recevied. Online had no updated payment date. Now account shows 'past due payment ' and due date back dated incorrectly to wrong day. Account is still not updated and SAVE application not processed. 

Hung up on during conversation.
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Submitted mortgage assistance request with financials XX/XX/2020 to Select Port Folio.  Received mortgage assistance denial XX/XX/2020 from Select Port Folio. I feel my mortgage servicer did not review my request for help and they are not following the CFPB guideline for mortgage assistance requests. The documents received from my mortgage servicer with the denial notification stated I had 30 days to appeal the mortgage assistance denial. My property is set for a foreclosure sale XXXX XXXX and I was not given the 30 days for the appeal process to be completed. Spoke with XXXX Select Port Folio Supervisor in regards to this foreclosure and the mortgage assistance request she informed me that the mortgage assistance appeal was being reviewed, but they had not post pone the property foreclosure sale. Why is the foreclosure still pending and the mortgage company has not finalized the processing of my request.
Consumer complaint received 2024-02-29
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

Money Network ( XXXXXXXX XXXX ) is now handling debit card benefits for CA EDD ( including XXXX XXXX  XXXX, which is what I'm using it for ). 
When CA EDD deposits my benefit funds to the Money Network account/debit card, I am unable to transfer these funds to my personal bank account. This option to transfer funds is on their web site but does not work. Keep getting a " rejected batch '' message, 2 days later. Unacceptable. 
It is vitally important to be able to transfer these funds as soon as they are deposited by EDD given the fraud happening with these debit cards AND the fact that this money must be transferred in order to cover monthly expenses with my personal bank account. 
Their app does not work, their customer service does not answer questions, or you can not get anyone on the phone. ( I am currently on hold for over an hour to talk to a supervisor. No one answers ) There are thousands of complaints online about Money Network, so I am not alone in my frustration. Please contact them about CA EDD benefit payments and their failure to resolve issues with residents in CA. ( and across the country as well based on complaints listed online )
Consumer complaint received 2024-07-22
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. (CA)

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MD)

I have spoken to Mohela staff and their " Advance Representative '' concerning my place of employment not being approved since XX/XX/XXXX. My account shows only 22 PSLF payments need to be qualified for forgiveness and MOHELA has yet to qualify 24 from XX/XX/XXXX to XX/XX/XXXX. As of today, they still have my PSLF in processing mode on XX/XX/XXXX, when Student Aid has already sent me a receipt of employment certification on XXXX because they received verification from my employer- confirming my employment from XX/XX/XXXX to present. Due to Mohela delay with making the necessary changes I had to file the IDR ( SAVE ) application and request a lower payment due to my MFJ status, increase in family size and decrease in income from my spouse. My spouse is still unemployed due to COVID 19. 

In XXXX of XXXX, Mohela placed me and my spouse accounts on " Administrative Forbearance with assurance of our IDR and PSLF information being updated and recalculated, as we questioned the possibility of our loans also being completely forgiving. While my account is now in forbearance, I finally received a bill statement in XXXX with a lower payment- but my 24 PSLF payments are still NOT qualified- although I only show 22 payments left for PSLF. 

What's alarming to me is for Mohela to accept my IDR application and lower my monthly payments, but not qualify my additional 24 PSLF payments towards complete forgiveness. What's more frustrating and corrupt is for Mohela to lower my payments according to the current balance and not recalculate my balance to reflect the 24 qualifying payments which will decrease my monthly payment substantially, should Mohela deem my account will not be completely forgiving at this time P.S-I am also not understanding why my spouse IDR application still hasn't been approved when we made the request on the phone together, gave the same required household and income information, with the same representative on the same day and time.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America allege that I am XXXX payments delinquent. I have written bank of America for over seven years trying to fix this problem but they will not tell me what payments I missed. Instead they send me documents that always refer to previous payments. I need them to tell me what payments were missed so I can correct the situation. They always say a supervisor call me back. 

When someone calls me, I go through the same explanations that usually keep me on the phone over an hour but nothing ever happens. I recently applied for a loan with another company and everything went through except this, they told me I had to get this corrected with Bank of America before we could proceed. I have written and called them on several different occasions. I have requested to escalate the call to higher management, but again nothing happens. I pay my mortgage every month. They have been charging me {$17.00} for years for an inspection each month but no one has been by my house to inspect it.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CBC Companies, Inc. (MD)

I recently applied for a mortgage loan through XXXX XXXX XXXXXXXX in Maryland in XXXX. Following the registration of my loan and the retrieval of my credit report from Factual Data, I encountered a significant influx of unsolicited calls from various lenders. 

This unexpected volume of communication has left me deeply concerned about the security of my personal information. I fear that my details might have been shared without proper notification or authorization. As a result, I kindly request your assistance in promptly removing my information from any unsolicited contact lists or databases. 

Preserving the confidentiality and security of my data is of utmost importance to me. I appreciate your immediate attention to this matter and request confirmation once my information has been removed to prevent any further unsolicited outreach. 

Thank you for your prompt assistance in addressing this concern. I look forward to your prompt response.
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO XXXX This, Wells Fargo auto loan have been opened up in a fraudulent name as XXXX XXXX XXXX in which I had removed from your credit report due to identity theft. Someone has succeeded in using my name to cosign for a XXXX XXXX pace in the year 2000 so it is really disheartening that this keeps happening. WFDS XXXX Account and XXXX XXXX XXXX was also associated with a XXXX XXXX XXXX XXXX, XXXX XXXX, CA address that I had to have removed from my credit report due to it being fraudulent with this account. I have succeeded in reporting this account as theft and it has successfully been closed and repossessed from the perpetrator. Please delete all occurrences of this account from my credit report immediately.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (GA)

I did a balance transfer and spoke with a representative because there was concern with how the balance transfer amounts online did not show what was showing on the statements ; therefore if you did not keep up with it and went off the website verses the statement you will be surprised. Representative confirmed the amounts owed for XXXX - XXXX balance interest XXXX by XX/XX/XXXX ( more than the XXXX showing online ), and XXXX - XXXX balance interest XXXX by XX/XX/XXXX. On XX/XX/XXXX, paid XXXX ; XX/XX/XXXX I paid {$1700.00}, and on XX/XX/XXXX {$150.00}, and XX/XX/XXXX XXXX. Fast forward, I was reviewing the statements and I see the XXXX had a balance of XXXX, and I had paid over the amount due, so why is there a balance? I contacted Citi because I was unable to do a dispute online, and spoke with Representative ( XXXX ) ; the XXXX one was horrible, requested a supervisor and she place me on a long hold. I used my landline to call back and spoke with another Rep who was trying to say I had to make a payment before paying the balance transfer. I provided the dates of payments and he apologized and said he would have it corrected to show the XXXX XXXX paid in full. I go look today and it shows a balance still and I was charged again interest for something that should be a XXXX balance. I want this corrected as I paid more than what was required to show a XXXX balance, and to date it still shows it is not.. I held my end of the deal you would think they would too.
Consumer complaint received 2020-04-27
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. (GA)

I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report.
Consumer complaint received 2024-02-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Bay Equity LLC (GA)

I am writing to lodge a formal complaint fordeceptive, possibly fraudulentpractices byBay Equity mortgage brokerage.I was bait and switchedwith my pre-payment penalty which may cause a ~ {$50000.00} loss to me. Only at closing was a new provisionwitha large pre-paymentpenalty added to my loan offer. I have a screengrab of my correct loan offer from my Bay Equity loan officer/sales manager XXXX XXXX that shows the option I chose for my loan which explicitly states 'no ' under the pre-payment penalty portion. I approved this with XXXX XXXX over the phone. 
Unfortunately other paper trails are difficult to obtain, they may do so intentionally, they are not in my online portal and they refuse to provide the full versions. Luckily I made a screenshot of the outline of the options, without this I would have no proof of what I discussed verbally on the phone which was an option with no pre-payment penalty, as I knew that rates were widelyexpected to go down. When I requested the documents showing what my offer was, ie a full version of the screengrab I had taken, XXXX XXXX stonewalled me in emails and refused to provide them/ deliberately obfuscated my questions. I told him I would need to escalate. I did so in XXXX messages to superiors and then through the customer care form on teh website, where I was again not provided the documents, my request ignored, and referred to the loan issuer XXXX, although it was a bay equity employee that offered me the deal I agreed to.I can send this screengrab along with the clause from my closed mortgage that doesn't match via email ( can not attach here ). One can see from that screengrab that my mortgage matches the other terms exclusive to the option I selected, such as the interest rate, and that that option says no pre-payment penalty. I was not informed of this change at or prior to closing, which was time sensitive due to negotiations around the property. Since they are a broker I assume they will not be able to remedy this large mistake, and clearly they are not taking responsibility for it. They need some kind of penalty so they don't continue these deceptive practices against others. if I weren't fortunate enough to have taken the screen grab I would have no proof of this, they would likely say I was confused about the prepayment option. Others are probably not so fortunate as to have that, although without a lawsuit I doubt it will be remedied.