davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (UT)

To Whom It May Concern, My PSLF has been discharged since XXXX XXXX and I have waited over 95 business days to receive my reimbursement. Mohela, who is my loan service company, is stating the Treasurer is holding my reimbursement, which according to the Treasurer, Mohela is withholding my reimbursement. Therefore, I would greatly appreciate it if I could get my reimbursement!
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (FL)

XXXX, XXXX, XXXX Last 4 socialXXXX RE : OPPOTUN XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/year> XX/XX/year> XX/XX/year> and accordance with the fair credit act loan company OPORTN XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- XXXX : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes. Best Regards, XXXX XXXX You have inaccuracies on my credit reports I was never 120-149 days past due thats WRONG and milacious information you are trying to mess up my credit this is fraud
Consumer complaint received 2023-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: AmeriHome Mortgage Company, LLC (MN)

I had requested help regarding my mortgage that I had with AmeriHome mortgage and they were very. Unclear regarding the forbarence agreement and the terms behind it. So when I had very little time to communicate regarding the HAF assistance that I was approved for they claimed that I denied the assistance and did not apply it to my account knowing that I was in need of help financially. Then they had posted a sheriff sale and by that time I was unable to provide the information I needed to them in order for the sale to be post-poned. So then by that time I was very uneducated and unaware for what needed to be done in order for my mortgage not to be deferred.
Consumer complaint received 2023-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (CA)

Hi, we received money from our customers on XX/XX/XXXX for {$9200.00} including paypal fees. But unfortunately Paypal put that money on hold. I tried to reach them to solve the problem, but they keep saying that i have to wait 180 days to release my money.
Consumer complaint received 2024-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

Borrower Defense Application XXXX - XX/XX/XXXX I received a letter from the Department of Education alerting me that me student loans will be discharged in accordance with Exhibit C of theXX/XX/XXXX XXXX lawsuit that I was a full class member of due to the date of submission of my XXXX XXXX XXXX and the school I attended was on the list of for profit institutions that were being accused of misleading students in their loan applications and job placement assistance. 

I was also a part of the XXXX program and my loans were transferred from first Aidvantage to XXXX in XXXX, then from XXXX to Mohela in XX/XX/XXXX. I applied or XXXX XXXX on XX/XX/XXXX through a third party called XXXX XXXX XXXX which charged me XXXX to file a borrower defense and then input the wrong dates during submission. I attendedXX/XX/XXXX from XX/XX/XXXX through XX/XX/XXXX while taking a semester off around XX/XX/XXXX. My notes reflect the correct dates in the XXXX XXXX XXXX XXXX XXXX XXXX application was approved and as of XX/XX/XXXX my student loans are paid off and off my credit report, however I only recieved a {$200.00} check from XXXX for a payment I made them, and not the {$4700.00} I paid through XXXX when I was under the XXXX program. XXXX never transferred my loan payment history to MOHELA, and I never paid anything to MOHELA due to being in Forebearance from XXXX until the loans were paid off in XXXX, and there never had a payment history with MOHELA. 

When I go through the payment history from XXXX they show that amount of {$4700.00} was refunded to me, however instead of issuing a check to me, MOHELA instead applied the refund to the loan balance and lowered the loan balance instead which is in direct violation of the instructions from XX/XX/XXXX XXXX who is presiding over the XX/XX/XXXX XXXX XX/XX/XXXX. All refunds are to be issued in check form from the Department of the Treasury unless a borrower wants it applied in another format. 

I have attached my Borrower Defense Application, XX/XX/XXXX History, and my XXXX XXXX XXXX letter.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a saving account with bank of America. Due to pandemic hardship, I need money to pay my bills. I asked my brother to lend me {$2000.00} and wire to my saving account. Right after the money was in, {$990.00} was taken out of my saving account by BOA without any authorization. I disputed immediately. BOA sent me a letter stating that they took my money to offset a business credit card ending XXXX. I never had a business credit card ended with that number. I called many times to dispute, and only get transferred from one representative to another. I requested my money back to pay my bills. They refused to refund me. 

I have explained to them that is no my account. Further, they are not allowed to take money out from my saving account to cover for credit card. They still refuse to refund me. 

I need help from your guys to ask them to refund me immediately so that i can pay my bills.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (VA)

I have 4 federal student loans with MOHELA. After MOHELA updated their new website, they have failed to report accurate payment history to the three credit bureaus by either stating they have no records of my XX/XX/year> payment for all 4 student loans or advising that one of my student loans has been closed. This has affected and lowered my credit scores for all 3 credit bureaus.
Consumer complaint received 2024-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

I consolidated my student loans in XXXX. It has been over 90 days and XXXX says they transferred my loans to Mohela on XX/XX/year> and this is what shows in FSA Student Aid website. However, if you call Mohela, they say they dont have my loans and don't know what they are talking about yet I have received 3 bills from Mohela that show I owe {$1200.00} this week and Mohela says they dont see that they sent me bills anywhere. I wrote on their new website and they said that yes, I owe that. They haven't applied my income based repayment either which means I wont get the IDR account adjustment ( this is what FSA told me ). I need real answers from Mohela, I need them to apply my IDR like they were supposed to. Also, I should be well over 120 payments for PSLF.
Consumer complaint received 2024-04-22
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. (TX)

I hope this message finds you well. I am writing to follow up on my today 's attempt to remove the fraudulent items from my credit report. 

I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. 

Despite numerous requests, these items remain unresolved and continue to impact my credit negatively. I kindly request an immediate review and action to rectify this situation. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (IL)

I applied for a loan with upgrade and I was sent an email stating that the loan was ready to be processed and the money was ready to be sent. I later received another email ( twice ) requesting that I send a photo of myself to them which I thought was strange since I am XXXX XXXX. And after sending the photo of myself I then had to call them for verification after Ive already been notified that the funds were ready to go. I then received another email stating that in order to get the loan I would have to join their credit union. These were just unnecessary steps to discourage the process. Upgrade was just looking for any reason they could find not to approve the loan. The discrimination is clear I was told the funds were ready to go. Then I was required to submit a photo of myself and after submitting the photo I was then denied. Which is credit discrimination. I knew I more than qualified based on what Upgrade advertised.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I disputed XXXX XXXX, Account Number XXXX in a letter to Equifax dated XX/XX/year>. I received a response from them dated XX/XX/year> ( attached copy ) in which they stated that the disputed item is not currently reporting on the Equifax credit file. 
In my most recent and latest credit report, the disputed item is again reporting on the Equifax credit file. 
I understand that Equifax is in violation of the Fair Reporting Act numerous times because they can not reinsert this item according to 15 U.S.C. Sec. 1681i ( 5 ) ( B ) ( i ) Certification of accuracy of information. 
If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

They are also in violation of not informing me that they reinserted this item back into my credit report according to 15 U.S.C. Sec. 1681i ( 5 ) ( B ) ( ii ) and violated each of the three paragraphs under ( iii ). 
Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

They did not prevent the reappearance of this formerly deleted item from my credit file, therefore, they are in violation of paragraph C as well. 
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( I ) ).

Six times Equifax transgressed the Fair Credit Reporting Act and my rights as evidenced above.

According to USC 1681n ( a ) 1 in actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2023-04-26
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. (CA)

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. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$98000.00} and XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}. Please delete these accounts ASAP.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (FL)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

Made two payments to XXXX XXXX by mistake on XXXX. I contacted Chase bank the next day and the merchant to let them know a payment was made by mistake as I also paid the merchants what I owed. I immediately called the bank and asked for a return of one of the payments which the merchant was aware of. A k told me funds would be back in my account within 3 business days. After 10 days the funds have not been deposited. I called chase bank theee times and each time they would tell me the funds would I. My account within 2-3 hours, again no return of funds. Called bank back again just run around and terminated call. XXXX Transaction just gone. Funds were returned to chase bank after two days but still not returned my funds into my account
Consumer complaint received 2023-12-07
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: JPMORGAN CHASE & CO. (MD)

Chase United Airlines XXXX XXXX XXXX promotional offer not honored Attachment 1 : Email offer I received and responded to through the link in the message " learn more '' Attachment 2 : Verification that I received my card XX/XX/XXXX. 

Attachment 3 : offer details I spent more than {$12000.00} on the card since I received it which is well over the {$5000.00} required and within the 90 days specified in the offer. It isn't even 90 days now, so I am still within that window. They did award the XXXX miles but not the 2000 PQP. 

I have escalated this twice already and get a one-line letter a week later saying that my card is not eligible for the offer '' The offer was sent directly to me ( attachment 1 ) by Chase and the 2000 PQP is the only reason I agreed to get this {$520.00} credit card.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MD)

In XXXX, XXXXXXXX XXXX in their merger with XXXX XXXX XXXX to become XXXXXXXX XXXX did not transfer over my automatic bill payment, and it lead to a 30 day credit marker. They settled with me when I filed a law suit in XXXX, which resulted in the credit marker being removed. However, as a result of that ordeal, American Express department for responsible lending immediately limited my credit limit to XXXX from around XXXX despite me appealing the decision. On XX/XX/XXXX, I called American Express to inquire as to if this can be reversed, as it has been two years and the credit marker has since been removed. They said that there is no mechanism to increase the credit limit for my credit card after a limit was placed on a credit card with no pre-set spending limit. I received the run around from three different people at the organization and despite me offering documentation that proved that the credit marker was removed, they refused to accept it. Now, I am limited in my credit by American Express unfairly, and they offered me no solutions to this problem that was not my fault. They failed to offer me any documentation as far as their decision, and why my account remains with this limit imposed when the credit marker is removed.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX  XXXX Account Number : XXXX This is a violation of my rights. please remove it from my credit report 2. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX XXXX Account Number : XXXX please update to never late 3. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX  Account Number : XXXX please update to never late 4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account XXXX : XXXX This is a violation of my rights. please remove it from my credit report 5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, 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. (TX)

These Credit Reporting Agencies have refused to give me an updated report despite my requests, They continue to report old and unverified information on my report even though I've sent compliance letters to them on numerous occasions to fix the problem.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I am attaching my report I am not thrilled about how XXXX XXXX and equifax have attacked me they need to update and fix info that is not accurate on my report Im attaching that info there is accounts on my credit that are over 7 years old that need to come off Im not allowing the bureaus to ruin my score with false info any longer Im also contacting department of justice and XXXX XXXX is a fraudulent account that needs to come off