davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
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 (NJ)

I reached out on XX/XX/24 after my HELOC was transferred to Shellpoint from SLS. My online portal was showing a monthly payment due that was {$350.00} more than it should have been. I had already made 11 payments on the loan with my previous servicer that were calculated correctly. I was told a ticket was put in a would take 3-5 days. I received no response and have reached out several more times both through customer service and the online portal and still nobody has fixed the issue. They refuse to look and correct the monthly amount due calcuation which is objectively wrong based on my loan document which they have, my prior statements from the past servicer, and a simple calculation given all the loan terms that their own portal confirms. I am getting strung along and they keep " opening tickets '' but I am not being allowed to speak to anyone but Customer Service who can't fix anything. My last payment, sent to the previous loan servicer, was applied fully to the principal in error ( this is proven by looking at my principal balance from the XXXX statement and the current principal balance displayed, and also because my current payoff quote is still calculating interest back through XXXX even though I made my monthly XXXX payment. 

I have a payment due soon and I refuse to pay an inflated amount simply because they made an error and will not change the amount to match my SIGNED LOAN CONTRACT. This is illegal.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (FL)

Dear OneMain Financial Customer Service, I am writing to formally dispute the reporting of late payments on my OneMain Financial account ( Account Number : XXXX ) for the months of XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I believe this information is inaccurate and is causing substantial harm to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information to the credit bureaus. By continuing to report these late payments, you are in violation of the following FCRA provisions : 1. ** 1681s-2 ( a ) ( 1 ) ( A ) ** Duty of furnishers of information to provide accurate information. 
2. ** 1681i ( a ) ** Procedure in case of disputed accuracy. 

The continued reporting of these inaccuracies has significantly damaged my credit score, affecting my ability to secure loans and resulting in financial loss. If these errors are not corrected, I will have no choice but to seek legal recourse. 

Litigation will not only demand correction of these errors but also compensation for damages incurred. Based on precedent, I estimate the litigation cost for both parties could exceed {$10000.00}, including but not limited to attorney fees, court costs, and potential statutory and punitive damages.
Consumer complaint received 2024-09-07
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: NTFN INC. (FL)

There is a list of companies that have access to my credit report and they send me unsolicited offers by mail or phone that I did not request. Promotional Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-08
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: AMERICAN EXPRESS COMPANY (CO)

On XXXX I made a booking with XXXX XXXX paying the full advertised rental price, ( {$510.00} ) which their Terms of Service require to be fully itemized and shown on the booking page. A short time later, the host demanded hundreds of dollars extra in an offline communication in violation of the same Terms of Service. I immediately cancelled the reservation, and notified American Express of the fraudulent charge on my card. I made repeated attempts to solve the matter with XXXX, but they claim they are able to keep all of my money regardless of any fraud committed by them. I received no goods or services from XXXX. I have made numerous complaints to American Express who reversed my requested chargeback when XXXX sent them a non-responsive and misleading AI generated document purporting to show I agreed to be defrauded. 
Since then I have made endless and numerous fruitless attempts to raise the problem with American Express. I have gone so far as to write XXXX XXXX, the CEO. He said he would have the matter investigated and get back to me. This has not happened and I have received no report or update. American Express as a bank claims to have a XXXX customer liability for fraud.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX I was informed of new hard credit inquiry on my credit report that I did not initiate. I suspect fraud. The credit inquiry is from : CAPITAL ONE Phone number XXXX XXXX XXXX XXXX Address XXXX CAPITAL ONE XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

In XXXX of this year ( XXXX XXXX  I submitted an application to Navient for Private Student Loan Discharge due to School Misconduct. 

This was shortly after I was notified by the US Department of Education that my federal loans were being discharged because the Dept of Ed found the school I attended engaged in misconduct. 

The private loans held by Navient were for the same school and Navient ( previously Sallie Mae ) had a very close relationship with that school and its subsidiaries. The loans are subject to the " Holder '' rule and should be discharged for the same reason as the federal loans. 

Navient denied my application, gave no reason for it and continued to refuse to give any information as to why it was denied. Others in my exact same situation were approved, it makes zero sense for mine to be denied unless they are just randomly approving and denying applications. 

Navient did tell me I could submit more supporting information/resubmit the application, but when I did so on XX/XX/year> they responded a few days later thinking it was a duplicate application and said they would be ignoring it. 

This is unacceptable. It is a new application with much more information and the supporting documentation is included without links to click on ( I found out they can not click on links when reviewing applications ). And there is even more supporting documentation than there was before.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account was in deferment. Then I paid it ontime every month. I moved in XX/XX/2019 and didn't get the bill at the correct address. I realized this 10 day 's past my due date. I called and paid off the full {$600.00} balance and asked for it not to be reported late due to only being 10 days late. They stated ok. Experian is showing that it was paid on time XX/XX/2019, paid on time XX/XX/2019, June 60 days late, XXXX paid on time and closed in XXXX of 2019. First how can you be 60 days late if you were never 30 days late. Each credit bureau reports different information. I have disputed 3 times with each credit bureau and called XXXX and nothing has been corrected. I'm trying to buy a home and my XXXX XXXX is XXXX point lower than it needs to be. Without this my score would be higher.
Consumer complaint received 2024-08-04
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dispute of Identity Theft under 18 U.S.C. 1028A Dear TransUnion Dispute Department, I am writing to dispute this item on my credit report that are a result of identity theft under 18 U.S.C. 1028A. I have recently become aware of fraudulent accounts and inquiries on my credit report that have been opened without my knowledge or consent.

I have attached copie of identity theft report claim I filed regarding the identity theft, as well as any relevant documentation supporting my claim. I request that TransUnion investigate these items and remove them from my credit report as soon as possible.

The following accounts and inquiries are fraudulent and should be removed from my credit report : XXXX Account Name XXXX XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Reason for Dispute : Identity Theft I am requesting that TransUnion conduct XXXX thorough investigation into these fraudulent accounts and inquiries and provide me with a written response detailing the actions taken to correct this issue. 

I understand that under the Fair Credit Reporting Act, TransUnion is required to investigate my dispute within 30 days of receiving this letter. I also request that any corrected information be sent to me and any other credit reporting agencies that may be reporting the fraudulent accounts.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me at [ XXXX ] or [ XXXX XXXX XXXX ] if you require any further information. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

XXXX XX/XX/XXXX i git a call from Wells Fargo stating that my account had been compromised they read me several charges that were mine and some that were not. I received the normal texts requiring me to read back a code. they then said that it looks like whoever it is is in your account attempting to do a wire transfer from both your checking and savings accounts they guided us through a process to reverse the transfer. I got suspicious and had my wife call wells customer support who said hang up its no us and they put a hold on all our accounts. The transfers took place any way, but we filed a fraud claim at that time less than one hour from the act. We were told it was quick and that was good it could take 5 to 10 business days to get XXXX to retrieve and reversed the funds. we went on XX/XX/XXXX and closed and replaced all the accounts and filed a report with the XXXX XXXX XXXX XXXX. On XX/XX/XXXX we received a letter from Wells Fargo stating that the money would not be returned. I called and they said that they knew the names and account numbers of the individual who committed the fraud through XXXX but XXXX refused to return the funds and said it was a legal transaction. I called XXXX and they said sorry cant help you go to Wells Fargo. I then called XXXX XXXX ( I have an account with them also part of XXXX ) their rep told me to call Wells Fargo and have them reopen the case and try again. with all the information and only 1 hours passing they should have had a good chance to retrieve the funds. I cant call now until Monday XX/XX/XXXX their Fraud dept is close on the weekend. I guess scammers don't work on the weekend. All the information they had was birthdays, account numbers ad full soc sec numbers it looked like they were in our account.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MI)

Incident : Undelivered funds from a cashed 401 ( k ) check Customer : XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX Details : * On XX/XX/XXXX, i cashed a 401 ( k ) check for {$9600.00} at PNC Bank ( XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX ). 
* i was informed of a 90-day hold on the funds. 
* On XX/XX/XXXX, i went to PNC and was told the money was sent back to XXXX XXXX the issuer of the 401 ( k ) check. 
* On XX/XX/XXXX, i contacted XXXX XXXX and was informed the check was cashed on XX/XX/XXXX. 
* Due to the undelivered funds, my car was repossessed on XX/XX/XXXX. 
Im unable to access the {$9600.00} from my cashed 401 ( k ) check. 
* The lack of funds led to the repossession of my car.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I, XXXX XXXX hold an account at Bank of America ending in XXXX. 
I made a deposit on XX/XX/XXXX {$9000.00} cash and {$8700.00} check in a local branch in XXXX IL. 
I have a proof showing cash and check cleared next day. 
Today I came tp realization that they took my money in the amount of deposoted check {$8700.00} causing my account to go negative. 
I tried calling, they were not helping nor answering. 
I want my money back!
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (TX)

Hello I am writing to address an issue regarding my borrower defense application under the XXXX XXXX XXXX case. Although I was granted full forgiveness of almost {$40000.00} of student loans, reflected on both the Mohela and Dept of Education websites, the loans that were forgiven are not related to my attendance at XXXX XXXX XXXX from XXXX to XXXX. Instead, these loans were consolidated from another institution.

Additionally, I am currently serving in the military, and because the wrong loans have been- marked with a {$0.00} balance, I have lost valuable time toward earning Public Service Loan Forgiveness ( PSLF ). This situation is significantly impacting my progress toward PSLF, and I would appreciate urgent attention to correct the loan forgiveness records. 

Per the XXXX XXXX XXXX settlement, I am entitled to a refund of the monies I paid toward my XXXX loans. I have not yet received this refund, and I would like to know when I can expect to receive the check for the XXXX loans as outlined in the settlement.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Experian is in the XXXX. In your complaint pages you give no ability to list an address or phone number. So I have provided the name and email address of the CEO here : His name is XXXX XXXX ; his email is : XXXX or at least that's what I got off the internet. I received no error message back so I think the email is correct. 

On XX/XX/XXXX I received emailed notice that my Experian score had dropped, no reason, no number. So I logged into my account and toggled around for several minutes but could find no exact reason or reference for the drop. There was no notification in my list of notices. The latest one in that list is dated year XXXX. So I logged back out and used the emailed notification to click on the embedded link and then I was brought to a score drop of XXXX points. Again I could find no specific reason for this. My financials have not changed at all for several months so the reason is unknown. 

I called Customer service and was told by AI  I was not allowed to speak live with anyone as that is allowed only for limited and specific reasons. I consider my problem in need of a live conversation. So I emailed the CEO. I have not heard back. However, I am writing the CFPB now because there are very specific issues with this situation. XXXX ) My score drop is substantial with no reason ; XXXX ) there should be reason in my Experian profile and there is not ; XXXX ) I should have been given access to a live CS person but that was disallowed ; XXXX ) it is possible this drop was a re-baselining of many scores but that does not give Experian the right to disregard people 's need to understand everything about their scores. 

This issue, if I am correct about the re-baselining, could effect many people and it could be Experian 's shirking of responsibility. If not my score dropped an exceptionally significant amount for no reason. I need to know why.
Consumer complaint received 2024-09-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

Received an email from Affirm saying that I have XXXX loans that are processing that I did not authorize or make, I contacted Affirm to report the loans as fraud and they said they are opening an investigation. The first loan was {$640.00} and the second loan was XXXX. I fear that I am a victim of Identity theft which is why I am writing this complaint. The first attachment is the XXXX of the loans that I did take out, and the other attachments are of the fraudulent loans.
Consumer complaint received 2024-08-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP (MN)

Social security has deposited my benefits into my bank account from XXXX unto XXXX. I have called many times and made countless trips to sit front of someone talking to them about my account. I was told XXXX payment went to U. S Bank and the other XXXX XXXX XXXXXXXX by direct deposit. I havent received any of my payments for the past two months social security claims once they send it to a place or establishment. They will not send another payment out again even after they find your statements or claim to be true. I give my permission for a full investigation of my social security benefits stolen by the bank. Both banks I would like them investigated which is US Bank and XXXX XXXX XXXXXXXX for my funds missing for the month of XXXX and XXXX.
Consumer complaint received 2024-09-28
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: TRUIST FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau- cfpd Subject : Dispute of Credit Report Error Dear Sir/Madam , I am writing to dispute an error I found on my credit report formally. Please, address the following incorrect information. 

The information I am disputing is as follows : Account Name : Suntrust Bank Account Number : XXXX Description of Error : validate fair credit reporting act In accordance with the Fair Credit Reporting Act, the creditor has violated my rights under 15.USC.1681, section 602 - states I have the right to privacy. 

And, 15.USC1681a, section 2a, subsection I - states that transactions are not included in the Consumer Report. 

Also, 15.USCS.1666b- a creditor may not treat a payment on a account under an open or closed consumer plan as late for any purpose. 

This information is inaccurate and the continued reporting on my credit report validates my consumer rights. 
I kindly request that you investigate the matter and correct the error as soon as possible. 
I would appreciate written confirmation once this error has been corrected. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.