davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX  XXXX Total fraudulent amount : {$1300.00} XXXX XXXX  XXXX Total fraudulent amount : {$300.00} XXXX XXXX XXXX Total fraudulent amount : {$370.00} XXXX XXXX Total fraudulent amount : {$3800.00} XXXX XXXX  Total fraudulent amount : {$690.00} Attached is my FTC Police report, Driver license and social security to verify my claims and identity
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (CA)

Discover has not provided the minimum requirements in regards to payment of the card and therefore I paid them in the amount due in one sum. They use a standard email for all correspondence to the CFPB which is used to delay and defer and to purposefully harm consumers. I'm XXXX and was ill during the time due to XXXX and yet they say they need to look into it. Please find the proof that the payment was made in full and cashed. This needs to be done immediately. Please note the checks cashed is proof and not a duplicate. Discover should have it as I sent it to them.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was discriminated against by Capital One and denied my own credit after Capital One had already gained access to my estate by accepting my social security number ( credit card ) information, this is a direct violation of the rights afforded to me as a consumer by Congress.
Consumer complaint received 2019-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

PayPal refused to give my money back b/c of the the fraud clearly gave them evidence of the fraud they said they couldn't help XXXX Unauthorized access XX/XX/2019 NA Closed View XXXX Unauthorized access XX/XX/2019 NA Closed View XXXX Unauthorized access XX/XX/2019 NA Closed View XXXX
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

This is in reference to both Savings and Checking Accounts with Bank of America both of which I am listed as POD. ( The accounts were/ are my father 's ). 

My father has passed and in attempt to close the accounts and secure the funds : I completed the following : XX/XX/24 Walked into Bank of America at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Delivered Certified Death Certificate for accounts for which I am named POD. 

Associate named XXXX XXXX took Death Certificate, copied, and submitted the same. 

XX/XX/XXXX, XXXX Received call from XXXX XXXX who was my contact person for Estate Services XXXX She indicated that she would set up a 3rd Party Online portal where I could upload the necessary paperwork. Indicated that Death Certificate had not yet been received. 

I placed three calls back to BOA on XX/XX/24 ( spoke with XXXX XXXX XXXX ) asking if we could expedite the process by submitting paperwork to the physical bank as opposed to online. Was not provided this option. I uploaded requested documents. Apparently, picking up the funds/check from a physical bank is not an option. 

Tuesday XXXX Placed a call requesting status- XXXX XXXX indicated that file was still in review. Requested that the process again be expedited- XXXX indicated that she would communicate the same with her manager. 

Friday XXXX XXXX contacted me and indicated that file had been approved and instructed me to follow up with a next week to obtain a tracking number for check. Told that the check may take up to 4 days to arrive. 

Monday XX/XX/24 - Called BOA Estate Services and spoke with XXXX who indicated sending out the check ( s ) was not approved because there was a name discrepancy. I was listed as POD with a Hyphenated maiden and married name ( versus just married name ). BOA indicated that they needed a Marriage Certificate. I again asked that this process be expedited. XXXX indicated that if I uploaded the Marriage certificate and called back in 30 minutes- that a manager could approve the check. 

Called back in an hour and spoke with XXXX who indicated that the XXXX XXXX hadnt been received and asked that I email the same to him. I emailed the marriage certificate and stressed that I needed this expedited - XXXX instructed me to call back in XXXX hours to request the tracking number. 

XXXX minutes after the call, I received an email requesting that I again submit my marriage license. After I log in, it requests the marriage licensetwice.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to bring to your attention an error on my credit report that requires your prompt assistance for resolution. Upon reviewing my credit report, I noticed an inaccurate late payment entry on my account. It is showing multiple 120 days late payment.
Consumer complaint received 2024-03-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: MUTUAL OF OMAHA MORTGAGE, LLC (CA)

On XX/XX/2024, at approximately XXXX hours, I was looking for a calculator device online to calculate a second mortgage. This resulted in asking questions regarding my name and address along with my phone number. Within a few seconds my phone began blowing up from all these lenders. 
XXXX XXXX was Mutual of Omaha. The person whose name is XXXX telephone number XXXX asked me what I was looking for and I specifically stated, I am looking for a loan of XXXX equity line of credit to pay off existing loans and to do some work on my home. 
XXXX stated he needed to run my credit and I asked him if that would affect my credit score and he said it would. XXXX knew and understood that I wanted a line of equity credit or 2nd mortgage. 
At approximately XXXX hours, XXXX called me back and stated he could save mew XXXX per month. He then begins to describe a refinance of my current home loan. I told him he specifically knew and understood that I wanted an equity line of credit, that I was not looking to refinance my home at which time he responded, what is your current mortgage rate? I told him it was XXXX percent. He continued to advise me about refinancing. 
I informed him he unlawfully ran my credit score intentionally knowing I was looking for an equity line of credit. He caused my credit score to be affected by running a credit check knowing I wanted a line of credit and not finance. He then stated he could not help me after advertising that he could. 
This behavior proximately caused harm to my credit score. This needs to be taken off of my credit score. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX 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 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (CT)

MOHELA is refusing to put my loans on in-school deferment, as I am enrolled at least half time at the University of XXXX XXXX XXXX XXXX XXXX XXXXXXXX notified them that I was enrolled on XX/XX/2024 through the XXXX XXXX XXXX XXXX. MOHELA says that my forbearance ends in 6 days and I am expected to make my first payment on XX/XX/XXXX. 

I have reached out to MOHELA at least 3 times by email, and another 3 times by phone. They refused to respond to all of my emails for the last month. I spoke with 3 different representatives by phone over the last month. Each confirmed that I am a student at least half time and that they received this status update from the XXXX XXXX XXXXXXXX XXXX on XX/XX/2024. They have refused to send me an email confirming that. 

The first representative in XXXX stated that they were awaiting the report from the XXXX XXXX XXXX XXXX and when they receive it they will update my status. When they received the report on XX/XX/2024, MOHELA updated it to say I was not in school and my loans are due in XXXX. 

The second representative I spoke to on XX/XX/XXXX confirmed that they were informed by the XXXX XXXX XXXXXXXX XXXX on XX/XX/2024 that I am enrolled at least half time. This representative stated that my account will change to in-school deferment in 2-3 business days. It has been almost 3 weeks and the status has not changed. I therefore called a third time.

I spoke with another representative for the third time, XXXX ( MOHELA employee number # XXXX ) on XX/XX/XXXX, from XXXX to XXXX. I spent an hour with him. He also confirmed that I am a student and should be on in-school deferment. After contacting his supervisor to get answers, they still did not know why MOHELA is refusing to update my status. He stated he does not know when the status will change. I requested that he send me an email stating that he confirmed that they received my enrollment data from the XXXX XXXX XXXX XXXX After seeking permission from his supervisor, he refused to send me an email confirming that they received the documentation from the XXXX XXXX XXXX XXXX. He then told me that he can not help me, and he does not know why they won't change my status. 

I am attaching the following : my certified enrollment status from the XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXXXXXX 's records showing that MOHELA received my enrollment data.
Consumer complaint received 2023-04-21
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. (AZ)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (RI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have XXXX inquiries on my credit report that I did not authorize. Someone else added me as an authorized user to a credit card, I did not authorize this, nor had any knowledge of this. Now theres XXXX inquiries bringing down my score that I did not authorize. 
I contacted XXXX and had my name removed from the account, but the inquiries remained? It should not have been there in the first place. This is XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (ID)

I am writing to express my concerns and seek clarification regarding my Apple Card payment plan and the accrual of fees and interest on my account. I have been experiencing inconsistencies in the information provided to me and the charges applied to my account, which I believe need to be addressed. According to the payment plan agreement I received, my interest rate was reduced to 0 % APR for 12 months starting from XX/XX/XXXX. The agreement specifies that my monthly plan payment amount is {$51.00}, with the first payment due on XX/XX/XXXX, and the last payment to be made on XX/XX/XXXX. However, due to a misunderstanding regarding my pay schedule at my new job, I was unable to make the first payment on the agreed-upon date. I promptly contacted an Apple Card Specialist, XXXX XXXX, to explain the situation and inquire about the implications of a delayed payment. I was assured that missing the first payment would result in my account becoming past due but that I would remain enrolled in the program. Despite this assurance, I have noticed that my account continues to show as past due in the Wallet app, and the amount required to bring my account current has been increasing, which contradicts the terms of the 0 % APR payment plan. In subsequent communications with XXXX XXXX, I was informed that my account would be restricted until I make a payment of the total balance or the minimum due, but I was not provided with a clear explanation as to why additional charges are accruing. I kindly request a thorough review of my account and the payment plan to ensure that it is being administered in accordance with the agreed-upon terms. Specifically, I would like clarification on the following points : Why is my account showing as past due and the amount required to bring it current increasing, despite being enrolled in the XXXX plan with a 0 % APR? Why was I informed that missing the first payment would not affect my enrollment in the payment plan, yet my account status and balance suggest otherwise? What steps can be taken to rectify any errors and ensure that my account is accurately reflecting the terms of the payment plan? I appreciate your prompt attention to this matter and look forward to a resolution that aligns with the terms of the payment plan agreement
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (TX)

1. I've been trying to close the card for over a month, but they refuse to close it. I did this via phone first. Later found it was still open, so I submitted a request online to close it.

They responded with other info and said they wouldn't close it unless I confirmed. I sent another message to confirm, then they sent another message asking if I wanted to close it, ....

2. I've been trying to close it because I never received the miles I was promised when I signed up for the card. They claim they put the miles into another account, and I've spent hours trying to get them into my account and finally given up.
Consumer complaint received 2024-04-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (MO)

I finally closed on my VA assumption loan o XXXX after several months of poor/lack of communication with Freedom Mortgage. Once it closed, I received an email from the Assumption Closing department, on XXXX, advising me that the system had been updated with my information. I then registered/created an online account that same day and made my first mortgage payment. On Sunday, XX/XX/2024, I tried to login to schedule my XXXX mortgage payment and was unable to login. I emailed the Assumption Closing department informing them that I was unable to login to my account. I also explained that I was able to login and successfully make a payment earlier this month. I asked them to " please advise on how I am to access my account and make payments. '' I received a response on XXXX, They said " Online access for assumption loans is not available at this time. You can call into our customer service line to make payments or set up automatic payments. Freedom Mortgage is aware that this is not convenient and is currently looking into this further. You will be notified if/and when this ever becomes available ''. This is unacceptable, I had online access and they removed it. This needs to be reinstated so I have access to my loan and can make payments. Attached are emails documenting my conversation with the Assumption Closing department and the receipt for the payment I made when I did have online access earlier this month.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Equifax is reporting an inaccurate account on the consumer credit report. The original company is a private landlord who received a security deposit and monthly housing payments in advance. The residential lease was not renewed via property price increase. As a result, a move-out notification was provided, the unit was vacated at the agreed date and there were no outstanding rent due upon relocating. This matter was never known until appearing on the credit report. Once known, Equifax and XXXX XXXX XXXX received the following letter : Dear Equifax, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number or identifier account : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Inaccurate credit account/tradeline Dates associated with item being disputed : XX/XX/year> Explanation of item being disputed : o 602. ( a ) / [ 15 U.S.C. 1681 ] Reporting this account violates this section because an alleged housing claim has nothing to do with banking or credit worthiness. REMOVE THIS ACCOUNT o 603. ( a ) and ( d ) ( 1 ) ( A ) - ( C ) / [ 15 U.S.C. 1681a ] Reporting this violates this section because the alleged account has no relation to credit, insurance, employment, or laws outlined in section 604/ [ 15 U.S.C . 1681b ].

o 603. ( 2 ) ( A ) ( i ) This alleged account is only a transaction or experience between parties, and not that of an extension of credit or having any relation credit worthiness. The only qualification this account has is " mode of living '' and identification of address. REMOVE THIS ACCOUNT o This account does not comply with the definition of an " account '' expressed in section 903 of the Electronic Fund Transfer Act. 
o 607. Compliance procedures [ 15 U.S.C. 1681e ] Reporting this account violates accuracy of reporting. REMOVE THIS ACCOUNT o 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Comply with this request for reinvestigation.

o 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ; 617 ; FDCPA : 813.

Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Reporting this inaccurate account for another 30 days will result in civil legal action in the amount of {$250000.00}. Plus, remedies at the State and Federal levels.

o 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) Residential housing is pre-paid or paid in advance. There was/is no extension of credit, net30 arrangement, etc. In addition, there was no proper service of demand, or Civil judgement rendered for any alleged amount owed.

The furnisher was informed that this information is inaccurate, yet still made the decision to report.

I have attached a copy of the email thread. 

Thank you for your assistance. I look forward to handing this matter outside of a courtroom. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

According to XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX and XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT 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 : XXXXXXXX XXXX  Account name : WELLS FARGO Account name : XXXX XXXX XXXX Account name : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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. 

15 U.S.C 1666b There is no such thing as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of RICO. 

15 U.S.C 1602g We the people are the credit