davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I got transition to from fed loan to mohela then to mohlea fed loan. I have been trying to get a correct payment count and correct amount due and I have not received a response. The information is conflicting on both sites. The amounts are conflicting as well. One site acts as if I havent paid at all and have 10 years of payments to go and the other makes it seem as if I have closer to 2 years.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have not receive the bonus we signed up for. {$200.00} after {$500.00} spent Please issue the bonus https : //www.capitalone.comXXXX
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (VA)

For the last year to XXXX  months, I have been forced to pay on a Loan Modification that was never signed properly or recorded by the servicer. The servicer SOLD/Transferred the Loan to another servicer, and I have tried to get the ratified agreement. The agreement does not exist and the servicer admits they do not have the executed agreement but they are still forcing me to make mortgage payments I can not afford, and they are threatening to foreclose on a modification along with the details of the modification that was never properly signed, notarized, dated or recorded. The previous servicer Rushmore Loan Management Services sent a letter withdrawing the modification, however the new servicer is holding me to a withdrawn agreement. I have paid over XXXX and I am asking for my money back or for them to fix the modification and explain the math, they refuse to do both. Also, the loan was actually discharged in a XXXX XXXX bankruptcy and charged off in 2011 but was somehow sold and now they want me to pay almost XXXX XXXX dollars and they can not explain why. I am at a loss with no place to turn here I feel something is illegal. The servicer has been Rushmore Loan Management Services, Mr Cooper Loans, and Rushmore Servicing. I need help.
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (MD)

In XXXX of 2023 I mailed a {$500.00} cashier 's check, issued by Chase, to my aunt. The check was stolen out of a USPS mailbox, washed, and cashed. I sent a declaration of unauthorized endorsement to the bank, twice, and Chase has been no help. I call at least once a month and every time I call I am giving a new timeline for results, told that no one is handling my claim, that i must resubmit what I've already mail, and that I can't get a temporary credit. 
I just want my money back and Chase has been careless and useless. I can not get any help or answers.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am not liable for the debt with XXXX XXXX. I do not have a contract with XXXXXXXX XXXX They did not provide me with the original contract as I requested. In accordance with the Fair Credir Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 SECTION 6 0 2, states I have the right to privacy ( 15 U.S.C. 1681 section 604 section 2 ) it also states a consumer agency reporting agency can not furnish an account without my written consent and/or instruction. This was also reported to the bbb.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} Original Creditor : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-12
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. (MO)

I am writing to check from your end if you have either received or not my previous letters via mail and via CFPB? It seems that I havent obtained any resolution from you guys with the result of my request for reinvestigation and the removal of all the disputed negative items. I have already told your department a couple of times about these inaccurate and misleading accounts below that they should be automatically removed since they werent supposedly issued on my credit report in the first place.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A Lawn care company worked at my home, the first week of XXXX. I wrote the XXXX a Check in the Amount of {$12000.00}. He does his banking with Bank of America. B of A deemed it Fraudulent because he wrote his name in ( instead of me ). They took the Funds out of my Account but did not deposit into his account. They have since blocked his account and he can not get into it. I have spoke with the Fraud department and they keep telling me to have the bank that I deal with ( XXXX XXXX  ) to contact B of A and they will file paperwork to return funds. My Bank has called them, the answer they get is that I am to file a Fraudulent claim through my bank and it will go against the Individual that I wrote the check to. This has been going on for over 4 Months. B of A tells me one thing, when my Bank XXXX XXXX XXXX  ) calls they tell them something different. Through all this, I have taken money out of my account in the Form of a Cashiers Check to pay the Guy for his great work. The Account I use for Home Repairs is a Checking account that draws Interest on money that is in the account, I am losing money each month because of this. On that day ( XXXX XXXX ) the money came out of my account, there are 2 checks written to the Individual, yet they only deemed one as Fraudulent.
Consumer complaint received 2024-06-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC (TX)

This debt is from XXXX and has been settled and time to collect has passed. I settled this account years ago and now being harassed by collection agencies. Its now XXXX and do not owe this debt.
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY (FL)

Loan was paid off and for 14 years Wellsfargo is trying to foreclosure on a copy of the note dismissed twice and went to trial and won, Now they renamed the trust, the trustee and servicer trust was a XXXX XXXX XXXX fraudulent case dismissed in XXXX and trust expired in XXXX
Consumer complaint received 2024-05-01
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. (MD)

First and foremost, they hire complete incompetence that can not assist with anything. LET ALONE the fact that I stated what was needed from the very beginning. Can't get past incompetence to get the issue resolved. INTENTIONAL! 

Second, I have submitted the same exact disputes multiple times dating back almost 3 years. The information I provided was accurate and true. All statements, all notations, and a large majority of my credit statements were altered, delated, and/or modified without my consent. And I can tell it wasn't the creditor that did it. Creditors have disappeared off of my account. Especially, my mortgage. That is a government cover up! My mortgage servicer was sued by my state of Maryland for alleged fraud. A year after I filed my unemployment cases from XXXX, I was informed by a supervisor from the Department of Labor that my account was marked as fraudulent with zero notification or any reasoning for marking as such. It wasn't fraudulent. The only thing that was fraudulent was I reported to the Inspector General and Directors of government agencies that the only piece of documentation that was used in my assistance determinations was my XXXX XXXX mortgage statement. They did not include any of the other documentation of all my other bills ( utility, etc. ) in those determinations for decades. Along with XXXX XXXX assistance and child support ( for an absent parent on XXXX XXXX ) never received and in a second mortgage as documented in my HUD form provided to them from the now sale of my property. And individual statements and information on my consumer statement continue to disappear off of my report that need to be there. As it is illegally and intentionally being reported as adverse and negative impact on my report that should not be. 

THE TRUTH IS I DID NOT RECEIVE PANDEMIC ASSISTANCE AND ZERO UNEMPLOYMENT STILL OWED TO ME IN FULL. I COMPLETED ALL DOCUMENTATION AND STATEMENTS NEEDED TO RECEIVE MY UNEMPLOYMENT TIMELY. NOTHING would have gone delinquent had I received my money and/or employment. There are no jobs. AS YOU CAN SEE, only incompetence is being hired to resolve NOTHING! 

MY CREDIT REPORT CONTINUES TO BE INACCURATE AND FALSELY BEING REPORTED CAUSING DETRIMENTAL EFFECTS IN A DISCRIMINATORY AND RETALIATORY MANNER!
Consumer complaint received 2024-01-25
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. (MI)

I called XXXX XXXX  for a XXXX personal loan from my estate from my trust in my nameSocial Security trust and all my personal information is a trustBut however I received a letter that just said contact them and Transunion because they denied me access to my on credit stating I dont qualify for my own creditsBecause of my credit reportI told them that is discrimination which it is and they told me that its nothing they can do about it.

So Im so disgusted by this bank for telling me that I am not worthy of my own credit.

Federal reserve notes are not for me and its not back by anythingSo I am very disappointed in this company and they have broke oath and violated there fiduciary duty to my trust.

Truth in lending act Federal Reserve act Privacy act Banking act I will not be denied my own credit as a creditor I applied for this loan I have Security interests in the bank and will not allow DISCRIMINATION FROM THIS BANK How can they deny me my own credit The US is bankrupt XXXX XXXX
Consumer complaint received 2024-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please See Attached Documents for additional information that was requested by the XXXX XXXX XXXX. 

Enclosed Documents -Determination/Certification Letter -Trafficking In Persons Letter/Adverse Items -Passport ID -Federal ID -Bank Statement Credit Reporting Agency requested additional information to process block due to documents not being legible, 11 days after the 5 day deadline requirement, violating the regulation implemented for the Act. The XXXX XXXX XXXX have not implemented the proper procedures required by the regulation, giving victims the option to submit documentation online causing me the consumer no other option but to submit additional documentation through the CFPB, due to not having a stable address at the moment caused by this situation!
Consumer complaint received 2024-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

Hello, I recently consolidated my loans based on the XXXX and urgent advice from a MOHELA loan servicer in a phone call with MOHELA. It looks like not only have not all of my loans actually been consolidated ( I still have charges from both MOHELAXXXX and XXXX  ), but also I've now been kicked out of the SAVE plan I was in ( as has my husband, apparently because we filed our taxes jointly for the first time this year ). We both have more student loan debt than we make in discretionary income each year. I have reapplied for income based repayment multiple times and nothing has changed. Today I received a letter from MOHELA telling me that I don't qualify for IBR and that I'll need to pay more than $ XXXX for 30 years ( meaning that I would pay them more than {$330000.00} in ADDITION to the amount I actually borrowed ). Some of my loans are from the early XXXX ( I'm XXXX and began a second career only a handful of years ago because frankly I wasn't making enough money to ever retire ). I know they can't just kick me off of income based repayment, and I never failed to re-certify. Please help me get back on an IBR plan.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i recently reviewed a copy of my consumer report and noticed XXXX XXXX XXXX has committed identity theft and gained access to my credit profile without my permission. XXXX XXXX XXXX is attempting to collect a debt that was a result of identity theft, This XXXX was attached to a crXX/XX/XXXX that i did not open.XX/XX/XXXX sent me a letter on XX/XX/2024 saying that account would be removed. I have attached that document for immediately deletion.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing to file a complaint against American Express for the unexplained closure of my credit card account, which had a limit of {$1000.00}. At the time of closure, I had recently purchased {$430.00}, and the account had always been paid in full on time, even during financial hardships.

Despite numerous attempts to obtain an explanation from American Express, I was repeatedly denied the opportunity to speak with the underwriter responsible for this decision. The account was closed and sent to collections without any justification provided to me. Furthermore, the debt balance increased to over {$1000.00} post-closure, which had nothing to do with my card usage.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc (TX)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want the items listed below deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

1. UPLIFT, INC. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Currently reporting ( 6 ) months negative. 
This account is not mine. It is in collections and needs to be deleted. 

2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Currently reporting 1 late payment. This needs to be deleted. 
This account has been paid in full. Thats all that should be reported. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting 4 late payments. This needs to be deleted. 
This account has been paid in full. Thats all that should be reported. 

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my account and it is now in collections. This account needs to be deleted. 

5. The addresses below need to be deleted from my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below is the proof that I was a victim of the XXXX data breach. The engagement number listed below is proof. 

XXXX DATA BREACH SETTLEMENT Thank You Based on the information you provided, our records indicate your personal information was impacted by this incident. 
FILE A CLAIM For XXXX XXXX XXXX XXXX please call XXXX at XXXX and provide engagement number XXXX.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (CO)

On XX/XX/2024 i presented myself a creditworthy applicant with the capacity to enter into a binding contract, and i was denied. I applied for a business credit card, and i was informed that the bank policy stated that i needed to provide my social security number as i would have to be the personal guarantor. So i was denied an account or extension of credit nor any type of benefit based off my S.S number. I spoke with XXXX and XXXX from the executive client relations office of PNC bank and was advised that the legal department informed them to ignore the law.
Consumer complaint received 2024-01-18
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: NEW YORK COMMUNITY BANCORP INC (CA)

Due to loosing a job back in XXXX, I had to go back on XXXX XXXX and I took a significant pay cut. Before my first XXXX in XXXX, I requested Forbearance coverage and used the mortgage payments to clear out almost all of my outstanding debt and requested to come off of Forbearance but due to being on XXXX, I was unable to get the paperwork they required so I asked for an extension until I came off XXXX. 

I got off XXXX and resumed payments and filled out the paperwork requesting to come off of forbearance and they denied me. I applied again and once again they denied me. I requested mortgage assistance in Texas since I am a Texas State resident and got denied. I appealed and got denied again. While going through all this I continued to make my Mortgage payments on time.

I informed them that I was going to be going on XXXX again and informed them that my Step-Mother would be conducting business on my behalf because being XXXX XXXX XXXX, connectivity can be difficult. I even sent an email and I was told it was fine. XXXX comes around and I'm on XXXX, they don't allow her to make the payment on my behalf. I call when I get a connection and try to make a payment and I was told that my property is in Foreclosure. ( Which is not legally possible because I'm on XXXX ) I contact a XXXX lawyer to represent me since I am still on XXXX and they are refusing to communicate with the lawyer.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC (TX)

Frontline Asset Strategies on behalf of XXXX added a debt in collections to my credit report, reducing my credit score, after I disputed the debt 2+ months ago. I initially disputed the debt with XXXX  when I still had my cell phone service through them and they also were not able to provide details on what debt they were saying I owed. They only say I owe {$190.00}, but not for what. Frontline Asset Strategies never sent me follow up on my dispute and they never provided details on what they are saying I didn't pay XXXX I have proof I've paid XXXX  every bill over the last few years, but unable to easily provide the documentation because they are not providing the details on which months they are saying I did not pay. To have a debt in dispute status, not follow up at all or provide details, and impact my credit report is unacceptable.
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (DC)

Toyota has violated there own Arbitration Clause by repossessing my vehicle XXXX XXXX XXXX on XX/XX/XXXX without using the Arbitration clause. TMCC has violated my rights by repossessing my vehicle without a court order from a judge. TMCC had a third party company to come on my personal property and repossessed the car from my driveway.
Consumer complaint received 2024-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

I have approx XXXX of loan that should be forgiven but its still being counted on my overall balance. This is making my monthly payment unbearable. I cant speak to anyone and the wait is XXXX hours. The few times I waited I was immediately disconnected. I am allegedly on a forbearance right now but I keep getting emails that I have a monthly payment due and am late? This is extremely confusing for me and there is no customer service rep to speak with. If the XXXX balance was removed off my loan it would likely make my payment lower and I would be able to afford it.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I made a single application for a new Citi Bank Credit Card. I already have 2 business accounts and a personal account with them. The application was denied online so I called in to see why and was told I would get a letter. On XX/XX/XXXX I received a letter stating in part ... '' We're unable to approve your application because we couldn't verify some of the information on your application. '' I called back on XX/XX/XXXX and ask what they could not verify. The agent told me she could not tell me and then transferred me to a supervisor that said the same thing. I explained that I already had other accounts with no issue and how could I provide documents or whatever was needed for them to be able to verify my information. The supervisor told me there was nothing they could do and it would stand at denied. Since they did not base their decision on my credit, but something else, I asked how they could XXXX ) request my credit in the first place and XXXX ) not allow me to rectify the situation. It wasn't until I logged into XXXX to dispute the inquiry did I discover they pulled my credit twice on the same day.