davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

My loan payment count is incorrect by 14 and 15 qualifying payments. Mohela has undercounted each loan between 14 and 15 qualifying payments. I have made several attempts over the phone-sometimes waiting up to 2 hours on hold. I have also made several written attempts, including another written attempt today, XX/XX/XXXX. Mohela has failed to answer any written attempt. The count has not been corrected and Mohela has provided no reason as to why they have failed to correct it, or why they believe the 14 and 15 payments ( for each loan, respectively ) are not qualifying. 
To note : documentation has been provided annually, re-certifying my employment eligibility since payments began XX/XX/XXXX. Mohela has provided no information and no correction, even in light of annual re-certification.
Consumer complaint received 2023-10-25
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. (SC)

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.

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.

15 U.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.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (WA)

I hope this message finds you well. I am writing to bring to your attention a matter of great concern involving American Express Bank that has caused me significant distress and inconvenience. 

On XXXX XXXX XXXX XXXX XXXX XXXX, I received a promotional email from American Express Bank. The email was personalized with my name and was specifically targeted at me as a valued card member. The offer was enticing : a {$350.00} cash bonus if I deposited {$25000.00} or more into a new American Express High Yield Savings account by XX/XX/, and maintained that balance through XXXX XXXX XXXX 

Believing in the credibility of American Express and the clarity of the offer, I promptly deposited the required amount into the new account. In fact, my account was credited with {$25000.00} on XX/XX/XXXX, well before the XX/XX/XXXX deadline. I made sure to maintain the balance as stipulated in the offer, expecting the bank to honor its promise. I maintained these funds until XXXX or XXXX, well beyond the required period. 

Despite my numerous attempts to resolve this issue with the bank, I have not received any satisfactory response or the promised bonus. This experience has left me feeling misled and unfairly treated. The bank 's failure to honor its promise and its lack of clear communication regarding the offer 's conditions have caused me considerable stress and disappointment. 

I have reached out to the bank 's customer service multiple times, only to be asked to wait, sometimes for as long as 15 days. Each time, I am given vague responses and promises of escalation to the corporate office, but to no avail. The bank continues to buy more time, leaving me in a state of uncertainty and frustration. It appears that the bank is using delay tactics and providing baseless reasons for not crediting the promised bonus. 

I kindly request your intervention in this matter. I believe that consumers should be able to trust the promotional offers they receive, especially from reputable institutions like American Express Bank. I am attaching all relevant documents, including the screenshot of the exact offer I received, the terms and conditions mentioned in the offer, and my bank statements showing the balance maintained throughout the offer period. 

Thank you for your attention to this matter. I trust in your commitment to protect consumers and uphold fairness in financial dealings.
Consumer complaint received 2022-12-20
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX, XXXX XXXX ( my mother ) transferred {$4000.00} from her PayPal account to mine. Two days later I refunded the money to her because she was upset. 

Ive received a number of communications from PayPal. The most recent was that the case was closed in my moms favor. Before that, I had a phone conversation with PayPal where they acknowledged that money was taken from my account to both fund and refund the {$4000.00}. I dont know how thats possible. 

PayPal keeps trying to take money from my account, and never got back to me after my last call with them. Now my account is permanently limited There is a pending refund shown, but also lots of back and forth on refunds and payments generally. I have no idea what the status is. PayPal also acknowledged that they fronted her {$4000.00} - it feels like shes getting more than what she started with.
Consumer complaint received 2018-12-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (FL)

XXXX Defrauded Mr XXXX for over XXXX dollars On XX/XX/2018 Mr XXXX was deemed as a Vulnerable  Adult By the sate of Florida this means you willingly took advantage of him As defined in the psychology, sociology, social work and legal fields, a vulnerable  adult or an adult at risk is a person over the age of 18 person who is at risk of harm or who lacks the absolute most basic ( as distinct from mid-level or typical level ) human life skills. A vulnerable adult is unable, rather than unwilling, to properly learn or properly maintain these skills, and is usually completely without, and unable to obtain, any family, friends, acquaintances or other assistive persons in their lives to offer education or assistance in these areas ( see : abandonment ). To be classed as vulnerable, the adult 's circumstances must be unable to be altered or improved by the adult 's own individual actions without direct assistance from a more typical adult. The vulnerable adult must also be shown to be, on some significant level, a risk to him or her self if assistance is not provided.
Consumer complaint received 2024-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (SC)

Mr Cooper aka Nationstar Mortgage has again failed to pay what it claims from escrow. Per escrow, they claimed to have paid my XXXX property taxes in the amount of {$2300.00}. However, on XX/XX/XXXX, I received a notice via email that my property tax remains unpaid, and is due by XX/XX/XXXX. I checked the county 's online information system, and it also reflects non-payment. 

This comes after my prior complaint, XXXX. During the previous tax year, the county sent an erroneous bill in the amount of {$5500.00}. Nationstar was informed this bill was in error, but claimed to have paid that amount, {$5500.00}, both on my escrow statement and in calculating escrow. In reality, the county treasurer had only ever received a check for the correct amount, {$2100.00}. It should be noted that Nationstar has previously settled with the CFPB in a XXXX enforcement action for these very practices, the failure to make timely tax payments from escrow and inaccurate escrow analyses, with docket number XXXX. Nationstar does not appear to have corrected their practices. 

In particular, as part of that settlement, Nationstar/Mr Cooper was required to implement an online complaint form, maintain sufficient trained personnel to respond to such complaints, and correct errors identified by these complaints. 

In reality, Nationstar/Mr Cooper simply ignored complaints submitted to their online complaint form regarding the XXXX tax issue, indicating that I'd receive a response in 7 days which was never received, which Nationstar admitted it received and simply never took any action on, despite being a notice of error requiring a response in 30 days. I only received a response after submitting a CFPB complaint. 

It should also be noted that they claimed a refund posted on XX/XX/XXXX in regards to the XXXX tax issue, yet when I checked the escrow transaction log while submitting complaint XXXX, no such transaction refunding the amount was displayed in the transaction history, and they continue to claim that they paid {$5500.00}, which directly contradicts what the county treasurer reports, a single payment in the amount of {$2100.00}. 

The response to my complaint about the XXXX tax issue will likely follow the same pattern. Despite the urgency of this matter, in response to my XX/XX/XXXX ticket sent via the online complaint portal, the response on XX/XX/XXXX was that they would respond in 7 business days and provide no information whatever beyond that. At this point, a response in 7 business days will be received by XX/XX/XXXX, the due date of the taxes that Nationstar has failed to pay despite removing funds from escrow. This response indicates no urgency whatever for non-payment of taxes, despite the extremely serious consequences of non-payment. 

Nationstar is not complying with consumer finance protection laws, nor the enforcement action 's settlement terms.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Both other credit companies removed the XXXX XXXX fraud charges of XXXX 2 months ago. Equifax after many calls hours on the phone filling out disputes they still are failing to remove the charges, I have contacted them sent forms showing the charges were fraud from XXXX XXXX. The always lie about everything over the phone if you are lucky enough to contact them with proof. This company should be investigated as my identity was stolen in 2017 by equifax. I have excellent credit and the other XXXX companies show that. I have run out of options with these people at equifaz and their lies. I am contacting XXXX and try to get them to do something. They have the same info that XXXX and XXXX have but they still sit and do nothing this has been going on for 3 months. Please do something. XXXX XXXX I have no idea what their problem is but it needs to be fixed. asap.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 no consent is fraud.
Consumer complaint received 2022-12-19
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. (NJ)

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. 

XXXX XXXX XXXX Account number XXXX, has violated my rights. 
XXXX XXXX Account number XXXX, has violated my rights. 
XXXX, XXXX. Account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXXXXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX - XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 


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.

15 U.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.
Consumer complaint received 2017-04-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I, XXXX XXXX, got a mortgage through XXXX on XX/XX/XXXX. I was paying my payment on time till XX/XX/XXXX. My financial situation got changed when I lost my job after my youngest son got into XXXX while he was playing XXXX game on or about XX/XX/XXXX, he still is going through treatment. 
I got job here and there but none of them was permanent. I could just bring the food to the table for the family of XXXX. I fell behind on my mortgage payments ; I was a single earning member of the family with my wife, XXXX kids, and elderly parents with loss of income because I got lay-off on XX/XX/XXXX. It was hard for me to keep with expenses. In the past we never had financial problems. There are so many expenses and managing a home and family of XXXX is hard. I exhausted all of my saving during the hard time that my family and I went through. 
Now, I got permanent job with good income. I am behind of my mortgage and also my income is not enough to pay all back payments which Bayview is asking to do so. As a result, I requested loan modification but Bayview denied my request and advised me to sell the property because there is some equity on it. I did purchased my home about 10 years ago. I put {$120000.00} which was all my family and I life saving as down payment toward the purchase of our home to be our permanent home and raise our children and take care of my elderly parents, I did n't purchase it to live for while then quit. I can not afford to lose my home. I am reaching you out to help me to keep my home which is only our investment and place to keep my family together. I am working hard to take care of my family as well as pay my obligations on time. Being father of XXXX children, husband, and only son of my old parents has huge responsibility on me and I am not ready to lose our only investment after years of education and working hard with a family of XXXX, which is our home. I can not afford to lose my home and have my family on moving truck from rental home to another. I am requesting Bayview to reconsider my situation and accept my loan modification request and offer me a reasonable payment plan or refinance my loan. Bayview asked me to pay over {$90000.00} unpaid mortgage to re-instead my loan then take my loan to another lender to refinance it. Bayview knows no any other lender will accept my application for refinancing because I already have late mortgage in my credit report.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (NJ)

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. 

XXXX XXXX XXXX Account number XXXX, has violated my rights. 
XXXX XXXX Account number XXXX, has violated my rights. 
XXXX, XXXX. Account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX  Account number XXXX has violated my rights. 
XXXX  XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX - XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 


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.

15 U.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.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (OH)

This morning ( XX/XX/24 ) I received an email from Chime titled " You're one step away from XXXX XXXX! '' asking me to set up direct deposit on my account. This was followed up with a text message saying, " Your Chime account is ready! Just download the app to access it : XXXX XXXX XXXX  ''. I did not open a Chime account. I found Chime online to reset the password for the account that was set up. The online account included my email address, cell phone number, and home address but no additional information. I then called Chime at XXXX. The automated system gives the option for a call back or additional verification. I opted for the call back because I was not going to verify/give additional private information to this company. After receiving the call back and stumbling through the automated system I finally got a human on the phone who again wanted me to provide additional private information ( SSN ). When I told him that I would not provide this information because I did not open the account he transferred me to another department. That representative again tried to get me to provide private information, which I refused. When I refused the representative told me the only thing I can do is send an email to XXXX with copies of the emails/texts received so it can be investigated and to request account closure. I followed up with an email at XXXX, with minimal information and no attachments, to demand account closure and to request that Chime provide me with the application details and IP address from where the application originated. I received a response at XXXX stating, " Chime has closed the account in question per your request ... '' and another email at XXXX stating, " Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. '' They failed to respond to my additional requests for information, there is no way they investigated anything that quickly, and their response makes it sound like I did something wrong in the situation. I attempted to login to the online account with the password I previously reset and received a message that the account was closed. 
Based on other information I have found online, and my personal experience, I believe that this company is fraudulently opening accounts for consumers without their consent or knowledge. This is unacceptable and needs to be stopped.
Consumer complaint received 2024-04-03
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. (GA)

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.

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.

15 U.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.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (AL)

I received a letter in the mail from MRS Associates about a XXXX XXXX collection bill of {$530.00}. The letter stated I had until XX/XX/2022 to dispute. I followed the directions on the paper but mailing and emailing the dispute on XX/XX/2022. I requested an investigation within 30 days. I still havent heard anything back. I did not receiving anymore information validating the debt, proof that the amount or cancellation debt was correct. It appeared on my credit report in XXXX for {$990.00} which is illegal and a violation of my consumer rights. 

I dont even have XXXX XXXX I have had XXXX XXXX XXXX  since XX/XX/2022. I have the same phones for 2 years. It doesnt make sense. 

I feel robbed of my rights and I am thinking about seeking legal counsel. My credit score drastically decreased and this has made me depressed. This is extortion.