davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Mortgage — Conventional home 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 (MA)

Good morning, we have the worst experience with the mortgage company that was transferred from our previous company ( it was sold to them ), back in XX/XX/, a car crushed into our house while we were there, thankfully we survived but emotionally and XXXX  we are struggling a lot, our home insurance had helped us during this time, we are experience so much delays when it comes about getting the funds release from the mortgage company, we are aware that in order to do that we have to request an inspector as the work/ construction progress, but we believe that Safeguard ( the company who is in charge to set the inspections ) clearly has not provide or process their inspections reports properly to Flagstar and because of that it caused a lot delays to pay our contractor, we had to call them pretty much everyday and we can not get one person to handle our case, everytime is a new person/ representative who clearly does not know how everything has been handled from the beginning, we are in so much distress thanks to Flagstar, we had uploaded all documents required by them, every single document that they needed its in our account and every time they speak to us they request something that they have on file, we are paying our mortgage monthly, on time not delays, on top of that we have to pay extra expenses because our homeinsurance policy already covered us for over a year, we explained this to Flagstar and they have zero symphaty with us, they always say a request might take between 5 to 7 bussiness days and we will advise you a resolution that might take another week like we have time to wait?, our contractor has been very patient with us and also he is in so much frustation because of the delays from flagstar, we have spoken with so many representatives that some of them say something diferrent from the others, we want our house to be fixed ASAP but this bank wont cooperate at all, always giving us a hardtime when we need to pay our contractor, they have zero clue how much we are struggling, we have contacted our adjuster that we hired and also the adjuster from our home insurance to be on the phonecall with them to explain and confirm all doubts and costs from our claim, we did this more than 3 times and they still asking questions and wont understand that in order to get more funds release from our home insurance our contractor has to do the work up to code, this was explained thousand times to Flagstar and nothing has been changed, we need HELP to get this funds asap and to pay our contractor on time otherwise we are going to losing him.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I have 3 different student loans that were given/sold to Mohela and are now being processed through the company. I have tried reaching out to ensure my auto-debit payment reflects all three accounts. It should be a total of {$300.00}. However, the first time they were supposed to process the payment, they did not, making it late. I had to call and make a payment. Looking at my account, the called-in payment was posted but did not pay all three accounts. This payment was not needed because my account was put in forbearance. I am frustrated because I have received many messages that say different payment amounts, different pay dates, notices that do no have enough time allotted, and forbearance enrollment. I have tried to call and sat on the phone for 60+ minutes to have the call disconnected. I am frustrated with the process. I am so close to meeting the requirements for PLSF, I do not need a company that is overwhelmed, mess things up for me!
Consumer complaint received 2024-01-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (OH)

On XX/XX/2024 I received 2 emails from Chime. The first was a welcome email thanking me for creating an account. I did not create an account. The second email indicated that my debit card will be mailed. 

I emailed Chime at XXXX indicating that I did not open the account. They responded and asked me call us at XXXX or reply directly to this message with the following details to help us investigate : Your first and last name... and any ONE of the following : Your date of birth The last 4 digits of your Social Security number The account number listed on the Chime welcome letter you received ( if applicable ) The number of any Chime card you received ( if applicable ) e to provide the following information : I was concerned that this may be a phishing attempt so I have not responded. I have frozen both XXXX and XXXX
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KS)

My student loans is with Mohela. I have a Subsidized ( Loan 1 ) and Unsubsidized ( Loan 2 ). On XX/XX/year>, I made a large payment to both of my student loans. The Unsubsidized Loan 2 had a balance of {$950.00} left on it. I directed that exact amount to that loan to be paid off. At the same time, my auto pay of {$740.00} went through on XX/XX/year>, putting an amount on both of the loans, making my Unsubsidized Loan have a credit balance of - {$360.00}. I called them a few days later to reallocate the {$360.00} to my Subsidized Loan. They stated it would be taken care of in a few days. It still has not been reallocated. On XX/XX/year>, I made a payment of {$1000.00} after being reassured that if I setup any overages to go to the highest balance that it would all go to the Subsidized Loan. It did not. {$120.00} of the payment went to the Unsubsidized Loan making it a credit balance of - {$480.00}. All the while, my Subsidized Loan is still accruing interest. I called again today, XX/XX/year>, to again inquire when the - {$480.00} would be reallocated to my Subsidized Loan. While the customer service agent was friendly, it was still very vague as to when they would reallocate the funds to the Subsidized Loan. I am trying to pay off this loan as quickly as possible, but everytime I pay above my auto pay, it creates a negative balance. I would like some immediate resolution to this issue. I don't know of any other lender that can't immediately correct a mistake when payments are allocated to the incorrect account.
Consumer complaint received 2024-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : The following account is not mine : XXXX XXXX XXXX, Account Number : XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Thank you,
Consumer complaint received 2023-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery is on my report as a collection for XXXX XXXX in the amount of {$890.00}. The account type is an open account and I've requested over the past few years for them to send me documentation that this is my debt. The collection is showed as paying. The account was opened in 2018.
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

I applied for the XXXX repayment plan when it was released by the XXXX administration. I have 3 XXXX  applications still in pending status and my loans have moved back into repayment. I contacted Mohela on XX/XX/XXXX and spoke with XXXX who indicated she could see my XXXX application was submitted but has not yet been processed. She offered a one month forbearance on the payment through XX/XX/XXXX to allow Mohela time to process the XXXX application. She indicated I will accrue interest in the forbearance and that I am not eligible for any benefits of the repayment plan during the forbearance. I received another notification yesterday indicating there are significant delays and my request was received and will be addressed in the next 90 days. My forbearance was only offered for XXXX month. They have not processed my initial SAVE application that was submitted in efforts to reduce my monthly payment prior to this forbearance.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (PA)

I contacted LexisNexis online and requested my consumer report 3 times. They keep rersponding that they can not identify me and refuse to send me my consumer report. They are sharing my information with XXXX XXXX and XXXX without my permission even tho I requested to opt out of there services. It seems everybody can get a hold of my information but I cant.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states. 
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CT)

I applied for the XXXX XXXX forgiveness program 2 years ago. I provided ALL requested information to Mohela, on several occasions, and every time they got the information they asked for, they came back asking for something different. First it was detailed payment history mailed in XXXX, then it was Employment verification, mailed XXXX and XXXX. Then it was pay stubs, next W-2 information. I worked for XXXX XXXX, now XXXX from XX/XX/XXXX to XX/XX/XXXX- all of the paystubs and W-2 's were archived and unavailable. I was told to download the information from IRS.GOV website and mail that in XXXX of XXXX, once again I was advised that what was needed was a declaration from XXXX, formerly XXXX XXXX, I jumped through every single hoop Mohela asked and made me jump though, and now was just advised that I don't qualify based off of payment history. They have made me jump through incredibly significant hoops only to continue to come up with different reasoning for my application to be denied. It is never the same reason. My loan was transferred from XXXX XXXX to Mohela as I was eligible for XXXX and yet here I am once again being denied. Mohela is acting fraudulently, is impossible to get in touch with and out right preventing those eligible from receiving the forgiveness they are eligible for. I filed a formal complaint on the federal student loan site and it is STILL in review, I have included a screen shot of the XXXX closed XXXX applications as well as the status and case number for my complaint.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

15U.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.

These inaccuracies are stopping me from getting a house for my family and a car for kids and must be removed immediately.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Since XXXX, I have had several cases of identity theft, including my information being compromised by data leaks. Starting in XXXX, I activated security freezes with all 3 credit bureaus. Unfortunately, my information was compromised again by Equifax 's data breach several years ago. This could not come at a worse time. 

I am currently applying for a mortgage, so I need to temporarily lift my credit freeze, get copies of my credit reports, and confirm that my account statuses are reported correctly. I also have to make sure that Equifax 's data breach didn't lead to fraudulent accounts being created with my data. I have no issue getting my information from XXXX and XXXX. Yet it is impossible to get my information from Equifax. 

Equifax has an automated system for callers who want to modify their security freezes. Callers must first answer identity verification questions before being transferred to a live person. The system asks callers several questions, each of which has 5 options. You can either speak or enter your response by touching the keypad. The automated system doesn't work because it doesn't register callers ' responses. I reported this issue each time I called Equifax in the past month. So far, Equifax hasn't done anything to fix it. 

After being transferred to a live person, callers then have to complete an online verification form and upload pictures of their photo ID. I've taken clear high contrast pictures, yet Equifax 's system doesn't recognize my photo. To verify my identity, I have to answer additional verification questions. I have already gone through this process several times so I can temporarily lift my credit freeze and set up an online login. I was also offered a hard copy of my Equifax credit report. 

As of XX/XX/XXXX, it's been two weeks since I last called Equifax. I still haven't received the hard copy of my Equifax credit report. And I still haven't been able to set up an online account with Equifax. I have been emailed several different links to set up my online account, yet none of the links work. Supposedly, a ticket was filed with Equifax 's technical support to help me create an online account. I received a welcome email, but no temporary password was included. So I still can't access my credit report online. 

I called Equifax again on XX/XX/XXXX to try and resolve this issue. The representative, XXXX, could not help me and refused to transfer me to another representative who might have had an alternate solution. 

It is incredibly frustrating that Equifax poorly protected my private financial information without facing serious consequences. Affected consumers like myself have such difficulty navigating Equifax 's faulty verification system so we can assess the damage done by the data breach. Can CFPB please intervene and help me get a copy of my Equifax credit report and set up an online account with Equifax?
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mortgage Expert, Inc. dba The Mortgage Expert (NY)

I contacted a XXXX XXXX " The Mortgage Expert ' through his website https : //www.mortgageexpert.com/rates and tried to set up a call It took him 2 days to respond and when he finally did he just called me NUTS and swore at me and refused to listen or process my application even though I would be a non traditional applicant with XXXX and american income.
Consumer complaint received 2024-03-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I currently own XXXX American Express prepaid gift cards, in the amounts of {$50.00} and {$100.00} that I received within the past XXXX  months. I have trouble using both of them either online or in stores. I have gone online to the AmEx website, registered and checked balances, and both cards are loaded fine but I keep getting declined when trying to purchase items. I have had issues at stores like XXXX, XXXX, and XXXX. This is not the first time I have had issues with American Express gift cards either. It is very frustrating to have {$150.00} worth of funds but not be able to use any of it, anywhere.
Consumer complaint received 2024-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WI)

I requested to apply for a new loan other than an income driven repayment plan since this is what I currently have and can not afford. MOHELA keeps sending me the Income Driven information. I have asked them to send me what I do qualify for and an application other than income driven plans. MOHELA has sent the same information about income driven over and over in an automated message. I already have an income driven plan that is not affordable.

I would like to know what I can apply for? The last loan I applied for that in which MOHELA told me I was eligible for was not eligible.

MOHELA has not provided me with correct information as to what loan I qualify for since I consolidated a parent plus loan.

What loan other than Income driven can I change to with a parent plus loan consolidation.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

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