davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

My loan had been transferred to Mohela. I applied for PLSF. In XX/XX/, I called Mohela and spoke to them about receiving a reimbursement for the payments that I made during the COVID pause and for receiving credit for the payments that I made during an automatic forced in school deferment. I spoke to XXXX XXXX, c6007. I was told that the request would be processed and that it could take 60-90 days to be processed. I received a letter ( attached ) in mid XXXX stating that there was a correspondence processing delay. I continued to wait. I also applied for the SAVE program. I received confirmation at the end of XX/XX/ that I was accepted on the SAVE program and my payment would be approximately {$85.00} per month. I called back mid XXXX, again receiving mid XXXX a corresponding Processing Delay letter. Also in mid XXXX, I receive a letter about my payment terms and this letter states my payment is now over {$250.00}! I do not understand. 1 week later I was put into administrative forebearance, no reason why, no clear explanation. I called and never had the phone answered. So I emailed on XX/XX/XXXX. They told me to call in. I have been TRYING to call in. I am placed on hold, given the choice to hold or have a call back. I have done both and never answered nor received a call back. I received a letter on XX/XX/XXXX informing me that my loan payments would restart and they are back up to $ XXXX. I don't understand. I applied and was approved for SAVE. I have made well over XXXX payments for PSLF. I spoke with XXXX in XXXX and she said that my requests would be processed and it is over 90 days and nothing has been processed. I keep calling and just being placed on hold OR receiving no call back. This is ridiculous. I have earned to have my loans forgiven. I have earned my reimbursement for payments made during COVID. It is not my fault that the government keeps changing student loan providers, the providers have poor communication, are constantly giving false or inaccurate information. Please help.
Consumer complaint received 2018-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

i paid off my loan that i had with ocwen. i had a payoff quote good until XX/XX/2018 for the amount of {$120000.00}. They received that amount on XX/XX/2018. At the time, my escrow Balance was {$1600.00}, which i have from my online account and i also have a statement date XX/XX/2018.  Shortly after paying my account off i noticed my escrow fall to $ XXXX, with no reason as to why. No taxes or insurances were paid to make this happen. i received a check from them in the amount of {$900.00}. I contacted Ocwen and the person i spoke with ( i dont know their names because they dont speak very good english at all ) told me that the reason for the difference was that my payoff was actually {$120000.00} and thats why i received less, because i didnt send enough to cover my payoff. I pointed out to him that i sent exactly hat was listed on my payoff letter i received and i also sent it a day early. After looking into that, he agreed that i was correct. So then i asked for a explanation fo the escrow and he couldnt come up with one. i asked to speak with a escalation manager, whose name i also dont know but his extension is XXXX he tried to tell me that i had less in my escrow account than stated everywhere in my online account. He asked for a few days to resolve this and i agreed, but then told me no, i wasnt entitled to any more money. They tried to tell me that in XX/XX/XXXX i had XXXX in my excrow and then they paid my insurance which brought it down, however as stated in the payment history and in disbursement schedule, i had {$2300.00} when they received my payment in XX/XX/XXXX, then the {$1200.00} for my home insurance came out on XXXXXX/XX/XXXX leaving me with {$1100.00} and i made a payment adding {$570.00}. in the end, i had {$1600.00} in my escrow and i am entitled to all of that back. i am requesting they send me the difference in the {$1600.00} and the {$900.00} i have recieved plus interest. At this point my taxes are due which i was using this escrow money to pay for. i dont feel im being unreasonable as everything i have that i am using in my favor, came from Ocwens website. This is the info they have given me! The most recent contact i have is with XXXX XXXX at XXXX, she needs from XX/XX/XXXX until friday the XXXX to look into this which in my opinion is far to long. i can see this within hours. its right in front of our faces
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (IA)

BMO bank took over XXXX recently. The account they put me in had a service fee. They did not disclose this fee or how to avoid it. I called once I saw the fee and after waiting an hour an agent was finally able to adv that he can change the statements to online and it will waive the fee. He said I wont get a fee in the future. Then I see the same fee next month. I called and she advised that I need to change my statements myself and they wont waive the new fee until that happens. I was very clear that I was lied too and it didnt matter. I asked to speak to a supervisor and she said there wasnt one.I continued to push and she put me on hold for over an hour and I had to disconnect. Mind u all of the people I have spoken from BMO are from another country and continuously give me wrong info. I submitted a survey w this information and still never got a call back. Recently I got a text that there was an attempted charge for XXXX from XXXX. I responded that no this is not authorized and I called customer service immediately. She lied to me and said that the charge was declined. She ordered me a new debit card. I was very upset because I never activated the card they tried to charge. I never used it online or at an ATM. I just saw today that the XXXX charge posted to my checking account. I called and confirmed that there was no claim that was filed when I was clear that this was an unauthorized transaction previously. This is a violation of reg e and had a financial impact due to them lieing. This is a violation of Udaap. I was very concerned that the fraudsters had my checking account because how were they allowed to use a debit card that was not activated? The bank was not able to answer this and said they filed a complaint for me. This is unacceptable and this company continues to lie to me about whats going on on my account. This is my money and how I pay my mortgage. The agents continues to tell me the fraudsters used a debit card. How was a debit card that was never activated used online or at an atm allowed to go through? This is very concerning. How are banks able to protect us if they r letting charges go through a checking account from an invalid card? This is terrifying and they should have to answer to how this happened, why I was lied to and why a claim was not filed timely.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Security Credit Services, LLC (NY)

I disputed the account many times and keeps popping back up.. XX/XX/XXXX I disputed it.. came off XX/XX/XXXX and reopened right away the same day.. they took it off and put it right back ... ask them prove I open accoubt with them etc ... pretty much account came off and reappear.. they are bad tactics company..please remove from My report.. they moved it to put it back.. please help
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ERC (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Consumer complaint received 2023-09-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (TN)

I thought I filed a claim for the Wells Fargo class action settlement about the GAP program but have never heard anything back yet. 
Early payoff GAP Refund, I have the claim number and the amount that was suppose to be issued to me, but I have not heard from anyone.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Neon Newco Corporation (MD)

I received a card by mail, it was in my home a while ago. I don't apply for credit cards or use credit cards. when I tried to call the number on the back of the card it was one of the scams recording voice that wants you to speak and say " yes '' to record you saying this work. the number on the back is XXXX on the back also a circle in gold color says DEBIT. There is a number on the front of the card to activate the card XXXX XXXX and XXXX XXXX  logo. I want to make sure that no one is having my personal info or using my info to issue credit cards or making financial transactions using my name.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NV)

Last year, my employer started using HSA Bank, a division of Webster Bank, to handle and manage the XXXX debit card funds that are provided to us on a yearly basis. The funds are related to our health insurance. 

Today, XX/XX/, I received a " year-end notification '' about data sharing. I wished to opt out of the data sharing, and the only mechanism to do so provided in the notification was to call an XXXX number in the notice. I called that number, but the woman who answered wanted a long list of personal information even after providing the last four digits of my social security number, prior to proceeding. Uncomfortable with providing that information over the phone, I asked if there was another way to limit data sharing with affiliates. She told me I could do so through the online portal. I tried that, but the online portal had literally no way to limit anything. 

I understand that XXXX XXXX  makes money from selling my information. They should not, however, be making it impossible to limit the minimal categories that can be limited. Thank you.
Consumer complaint received 2022-12-09
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. (CA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected soon : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-11-16
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. (GA)

My chief complaint is the inaccurate reporting of XXXX XXXX XXXX XXXX bankruptcy on my consumer credit report. The year that it is reporting is outdated ( XXXX ) the other bankruptcy is from XXXX ( I changed my mind about proceeding ). I have contacted XXXX XXXX and kindly ask them to surpress my information from their database because they have been identified as a data furnisher. Also have contacted XXXX XXXX to have my information removed, to no avail nothing has been deleted. I even produced a notarized document from the federal court in XXXX Ga that deals with bankruptcies and it clearly states that the court does not have jurisdiction over credit reporting agencies so why are they reporting bankruptcies?
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (NY)

I received several calls from  XXXX  at the end of  XXXX . I answered several times and there was silence or a hang-up. In late  XXXX  they called again. I answered and the party identified themselves as being from  LJ Ross  a debt collection firm. They asked me to identify myself which I did and they proceeded to tell me that there was a bill owing  XXXX  (  XXXX   )  from a house I had sold in PA for approxiametely  XXXX . I told them I was never notified about any owing amount and said I would call  XXXX  to verify. At no time did I receive any form of written communication either from  XXXX  or  LJ Ross . To my knowledge all bills were paid at closing of house sale. I called  XXXX  and indeed verified the debt and that  LJ Ross was their collection agency. I then called LJ Ross  and immediately paid the bill but they had reported it to credit bureau. I never received anything in writing to notify me of their legitimacy or the debts legitimacy or dispute it. They had my current address on file and  XXXX  had my email address on file. Totally inappropriate action on their part and quite disturbing. Not to mention inappropriate reporting to credit bureau.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax had had a block on my credit report since XXXX XXXX XXXX preventing me employment, loans, and several other life altering things. I have tried to fix the issue several times with no resolution. The first time they made excuse saying for identity protection I need to send in Id and social, however I sent in those items and there were no change they lied to consumer protection and said they needed verification in which I had already my sent them verification. Im prepared to take legal action because due to this my life has been horrible since last year being unable to even get a car from a second hand car dealer because of unexplained things on my credit report. I had one lender tell me that nothing showed at all on my credit and that she has never seen that happen in her career. I feel as though my account is intentionally being manipulated to harden my life and there is nothing being done about it.
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DC)

Dear PayPal Support Team, I hope this message finds you well. I am writing to contest the permanent limitation placed on my PayPal account, associated with the email address XXXX. I strongly believe that this limitation has been imposed in error, as I have not knowingly violated any PayPal policies or engaged in any unauthorized activities. 

As a long-standing PayPal user, I have consistently adhered to PayPal 's terms and conditions. I hold great value in maintaining a trustworthy and cooperative relationship with PayPal and am committed to resolving any misunderstandings or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal a misunderstanding or error. I am prepared to provide any necessary documentation or information to support my appeal. Restoring my PayPal account would not only alleviate the inconvenience I am currently facing but would also allow me to continue utilizing PayPal for secure and efficient financial transactions, as I have done in the past. 

I appreciate your prompt attention to this matter and kindly ask that you commence the review process at your earliest convenience. Should you require any specific documentation or details from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX 160 days late
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

There are over 30 inquiries viewed by others currently listed on my Chex Systems Consumer report ID : XXXX that Chex Systems informed me that they deleted and removed from my Chex Systems Consumer Report on XX/XX/2023. Review Consumer Financial Protection Bureau ( CFPB ) Complaint : XXXX. There are over 30 inquiries currently listed and showing on my Chex Systems consumer report that are all fraudulent, unauthorized and not my inquiries. I have never had any checking account abuse or owed any money for a closed checking account. I want Chex Systems to immediately mail me a copy of my Chex Systems Consumer Report.
Consumer complaint received 2023-11-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALAMEDA MORTGAGE CORPORATION (CA)

Wow XXXX compliance guy. So heres the think XXXX. I told u that ur site is broke. U sent me a screenshot. Then u said there was a link? Are u trying to be hilarious or were u seriously trying to get me to use your screenshot to make a payment. There is no link in the screenshot. What link. Am I just missing something and there is a link or what. The screenshot has no link. Plus its for the wrong loan.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Good morning on XX/XX/2023 I requested an investigation for my consumer report because I noticed an account that was reported inaccurately. XXXX is furnished with data that does not match across all the consumer reporting agencies. I also received a response from the bureaus refusing to complete the investigation. This has caused extreme damage to my reputation. I have evidence that I am not responsible for this account and I can also prove that the courts determined the party responsible for this item. According to the FCRA 15 USC 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information the item must promptly be deleted from my consumer report based on the results of the reinvestigation.
Consumer complaint received 2023-09-07
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. (MI)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX