davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
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: Mr. Cooper Group Inc. (CT)

i have tried for months to get a payment history from the mortgage company to find out why they state that i am 4-5 months behind, when i call them on the phone i get different responses on the amount of months I asked several times for them to send me my payment history, but they refuse to when i do make payment arrangements to catch up i get another notice that i am still behind several months i make my payments on a monthly basis. and yet i am still behind. i also wonder why they will not remove all the late payments from my loan the negativity goes back multiple years, and they refuse to remove the late payments it is affecting my credit score to the point where i can't get any good rates on a loan
Consumer complaint received 2023-10-27
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. (VA)

Submitting this 12th complaint once more as an assurance that these items listed below were removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX. Within 15 days time I will be updating my credit reports once more. I am hoping that these items will be removed from my credit reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} TRANSUNION : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources (CA)

XXXXIRSTPOINT COLL RESOURCES INC is in violation of privacy act 1974, I didnt give FIRSTPOINT COLL RESOURCES INC Consent to report my personal information I also dont remember doing any business with this company, do to FIRSTPOINT COLL RESOURCES INC violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this collection, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and XXXX other fraud has been committed under my name. Please show me where I gave FIRSTPOINT COLL RESOURCES INC the consent to share my personal information to these institutions.I ask that FIRSTPOINT COLL RESOURCES INC to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ). Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (PA)

I qualify for PSLF. I have submitted the needed documentation over the years. Well I have finally met the XXXX payments. The PSLF tracker though is stuck on XXXX payments. I have resubmitted my employment verification twice but MOHELA has not updated my account. I am now over XXXX payments and still having to make them because of their error. When I try to go to the federal loan site, it says that I have not yet made all XXXX payments, therefore I can not apply for the forgiveness. 

I would like the tracker updated, the loans forgiven, and a refund of both payments over XXXX and amounts paid during the pandemic pause. 

Thank you
Consumer complaint received 2023-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

For the past XXXX plus years, I have been contacting Mohela via chat, phone and secure messages. I began work on XX/XX/16 and have worked at my employer the entire time, full time with XXXX time off. Even during XXXX, we were full time working in person. For some reason, my XXXX keeps showing up at XXXX  months which is over 1 year less than what I should be credit with. I know I am not ready for full forgivness yet, but with my payment count being incorrect, when I do qualify, I will have to go through this hassle. Prior to Mohela, I was with XXXX XXXX and certified once a year with XXXX issues. Now, Mohela can not seem to get my payment count corrected. I have talked to agents on XXXX separate occasions, and XXXX of the times, the agent has sent my file off for manual review because they do not understand why my count is not updated. It seems they are missing an entire year of qualifications. Again, I certify every year, around the third week of XXXX. They also had me re-submit multiple certifications which seem to mess my account up further. It seems that if someone would actually look at my account, it is fairly easy to see I was employed since XX/XX/16 and am still currently employed. This should not be this difficult and I fear when I hot my 10 years, I will have more trouble trying to get this corrected. I am requesting someone look at my account as well as all my certifications and updated it to the correct number of qualified payments.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

On Wednesday XX/XX/2024 I was led to believe I was applying for a {$2000.00} loan. I was sent a verification code to access my online account and the so called company said that in order to get a loan they had taxes that needed to be paid but not from me that they would send the funds and I scan this barcode to have the funds deposited in my account. The comapny name said XXXX out of Texas and that Texas had taxes. Not really knowing how a loan worked I done this only to find out I was scammed and it was a XXXX XXXX. When checking my account I realized the money was taken out not put in and this so called company told me it was a glitch in the system and they could fix it. When I called Wells Fargo Claims department which is my bank they said that I verbally gave permission for this not even considering that I didn't ask for money to be taken out my account and they should clearly see that it was some sort of scam beings 2 transactions were made one in the amount of {$750.00} and one for {$950.00} that I have never done anything like this before and telling them I was scammed resulted in nothing On Saturday XX/XX/2024 a little after XXXX I received a phone call from scammer saying they would reimburse my {$750.00} and my {$950.00} to my account. Said his supervisor put the papers on his desk and so he made the phone call to tell me I would be reimbursed and didn't need to do anything. I again called Wells Fargo to let them know the new information and it still resulted in nothing.
Consumer complaint received 2018-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. ()

Received a notification that a collection account was placed on my credit report. Looked into who it was and what for as I had never received a collection notice. Found out it was from Online Information Services for XXXX for a utility bill from a previous address. I received this notification in XX/XX/2018 and quickly responded to them with a debt validation letter. I contacted the utility provider ( XXXX XXXX XXXX ) and verified with them there was no outstanding bill due as it was paid in XX/XX/2018. The account was reported in XX/XX/2018 as unpaid which caused damage to my credit score. I disputed this account with all 3 credit reporting agencies, one has removed the account all together, one verified the account as mine and the last one has not responded or updated the information on the credit report. XXXX has removed the account. XXXX verified the account as mine and XXXX has not responded. One report I believe was updated to a paid collection, how can they provide false information to the credit bureaus as a paid collection when they never received a payment and the original creditor was paid directly?
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (TX)

My Credit Karma Spend account was fraudulently drained of {$4400.00} thru several XXXX transactions. I do not have a XXXX account so therefore those charges could not have been initiated by me. I did lose my mobile phone with all my accounts/passwords stored in it. That seems to be how/when the withdrawals began. I lost access to phone number, email, everything. By time I noticed anything was going on with my account, {$4400.00} had already been taken. I notified Credit Karma of the unauthorized use, I informed them of my phone being stolen and any charges made were not my doing. I've provided new phone #, locked cards, etc. I have submitted several dispute claims all but XXXX have been denied. {$190.00} was successfully returned to me. The withdrawals that were made within XXXX of my claim, were in fact returned to me. All the other transactions, denied. But it doesn't make sense because the transactions that were successfully returned to me, were the same XXXX names that Credit Karma denied me for. I never had the credit karma app nor did I receive email notifications so there was no way of knowing when withdrawals were occurring or else I would have contacted XXXX alot sooner than i did. I am not understanding why my dispute claims keep getting denied. Especially when XXXX approved some charges, but other charges made by the same exact name were denied.
Consumer complaint received 2024-01-02
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: Nelnet, Inc. (TN)

My Student loan account is on a forbearance, no payment is due while the account is being consolidated. My account is showing a past due amount due for the months of XXXX and XX/XX/XXXX. Please remove the negative credit rating from those two months. No payment is due on this account until XXXX XXXX. 

My account has never been late, I have never not paid. The account is on a forbearance please correct my credit rating.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIRST HAWAIIAN, INC. (HI)

I have been trying to contact first Hawaiian bank several times and they have denied me access to my trust account. They sent security to remove me. I supplied security with validated dna test proving access to the trust account. In addition the trust account is fraud. It was created XXXX but the heir died XXXX. The trust has been used XXXX  to fund the bank for a long time. In addition, the trust bought and sold land which is not allowed by our laws according to the XXXX of Hawaii. They are I operating outside of their jurisdiction. I am a lineal heir to the trust. It was not only created when the heir had passed but they have been notified that I filed with the SEC
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (CA)

I XXXX XXXX have tried multiple times for the past 6 months to dispute some inaccurate information on my credit report with all three credit bureaus and none of have tired to help me with my issue and I am getting completely fed up with it because none of the bureaus are being compliant with federal law or even following their own policies written on their website. 

I talked to an attorney and he said that there are certain laws that the credit reporting agencies have to follow in order to be compliant with federal law. He told me that one of the things they must do when an item is disputed on a credit report is that they must temporarily delete it while it is under investigation and ALL THREE bureaus failed to do that! Not once has anything disputed been deleted during the investigation. Also he said that they must have my permission to report or furnish anything that is on my report, and I never once gave any of the bureaus any permission to report any of the items I have disputed over the past 6 months. In fact I blatantly told them to delete the information. The attorney said the section of federal law that describes this is called permissible purpose He also stated that in order for them to do a proper investigation to my didputes they must inverview my friends neighbors and relatives and well as my mode of living. I asked all of my neighbors if anyone has had any contact with them in regards to my credit report and none of them have heard a thing! 

I was unable to hire the attorney but he did lead me to you the CFPB to help me out with my issues, so I ask that you please help me enforce my rights as a federally protected consumer and as well as to make sure and enforced that the credit bureaus are following federal law as well as their own policies that they have on their own website.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2024-01-19
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. (LA)

I was a victim of the XXXX data breach. 
I want these items 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. 
Please help me delete these illegal accounts from my credit reports. 
Old addresses XXXX XXXX XXXX XXXX La XXXX, XXXX XXXX XXXX XXXX La XXXX, XXXX XXXX XXXX XXXX La XXXX Birthday not correct XX/XX/year> is my correct birthday. 
Employment incorrect XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Reported late
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

i havent received my {$400.00} bonus from citizens despite my account meeting the guidelines to receive the money l. they said they want to close my account thats fine, ive asked multiple times via chat and call when i should expect my money. first, i was told it would be until XX/XX/XXXX, we are on XX/XX/XXXX. i still dont see the {$400.00} in my account. then they tried to say my account didnt meet the guidelines. so i showed that it indeed had met the guidelines. i still havent received it. now they claim i wont get it because they dont know if they want to close my account despite previously saying they want to close it which i agreed too i just want my {$400.00} check mailed to me still
Consumer complaint received 2024-05-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I have a {$1500.00} debt for XXXX. I have never lived at the address XXXX  has on file and I never had XXXX for my phone company. I had boost for years and just switched to XXXX XXXX
Consumer complaint received 2024-01-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (NY)

I have tried to open a Savings account with Ally bank online ( application : XXXX ), I called and spend over 1hour and 45minutes and escalated to supervisor on the phone, the translation services was not translating the same information that I was given, the account could not be opened and they claim fraud concerns, they did not provide any other option to resolve the issue, I did explained that is a savings account so I can put part of my salary, I am a XXXX XXXXXXXX that have a legal status in the XXXX, I provided all documents they required and at this point I feel discriminated against. This is unacceptable. I do have evidence of screen capture of time on the call and the letter they sent.
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 U.S.C 1681 Section 602 A. states I have a right to my 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.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC (NV)

The company has reported late payments which is a direct violation of the USC stated within this complaint. This has led to the denial of loans in which was dire to the survival of my child, where i was unable to provide transportation to and from Dr 's appointments of which were crucial to her survival!

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2024-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

After disputing this inaccurate account # XXXX XXXX XXXX XXXX XXXX so many different classifications for the same # XXXX equifax constantly make several changes to the account instead of removing the account pursuant to FCRA 1681 A. Equifax on XX/XX/XXXX removed credit line # XXXX with XXXX XXXX XXXX XXXX, then re-age the debt from XX/XX/XXXX to XX/XX/XXXX and added XXXX XXXX  Then changed the XXXX Loan debt to loan and dropped XXXX then dropped security First XXXX Then after reporting XXXX months of false on time payments, deleted the said XXXX months of payment and reage the credit line now showing no payment atall XXXX Then at this point they reage the credit line and remove security first band and XXXX 
XXXX a violation of the FDCPA and FCRA. Section 623 ( 5 ) ( A ). FALSE AND INACCURATE REPORTING JUST WRONG ACCOUNT INFORMATION See Equifax credit report number # XXXX dated XX/XX/XXXX and report # XXXX dated XX/XX/XXXX. 
Please not that only Equifax is reporting this creditline. After reinvestigation XXXX and XXXX deleted and blocked XXXX XXXX XXXX XXXX I have on several letters asked Equifax to remove this inaccurate account and they refused. If they continue to report I am thinking of filing a complaint in the XXXX XXXX XXXX Pennsylvania to recover damages and compensation.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada, XXXX XXXX XXXX XXXX XX/XX/XXXX Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Last 4 digits of SSN : XXXX Re : Dispute of Information on ChexSystems Report Dear Chex Systems, I am writing to formally dispute the accuracy of information contained in my ChexSystems report. I recently obtained a copy of my consumer disclosure report and identified discrepancies listed without my my permission that require immediate attention. 

I dispute the reported negative entry on my ChexSystems report, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. I request that you conduct a thorough investigation into the disputed information within the 30-day time frame mandated by federal law. 

Upon completion of your investigation, I request that you provide a written response detailing the results and actions taken. If the disputed information is found to be inaccurate, I expect its immediate removal from my ChexSystems report. 

Please communicate the results of your investigation in writing to the address listed above. 

Thank you for your prompt attention to this matter. I trust that you will conduct a thorough and fair investigation to rectify the inaccuracies on my ChexSystems report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I had called in because o had gotten my phone and wallet stolen and they used my card and transfers money over on my phone. They said they filed a dispute which I later found out that they didnt so I had to call in again and eventually got help. They filed a dispute which was later denied with out any information and only giving me a day notice that funds where gon na be removed from my account I called in and got no information as to why and was ultimately told which I felt was threatening saying they would take away debit card use if I called back about this. This is the second time they have done this and this time the amount was for around XXXX $ and I dont get how they didnt ask me for no prove or nothing and I know I didnt make these transactions