davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (FL)

On XXXX I filed a report with the XXXX XXXX XXXX XXXX, in XXXX XXXX, Florida Case # XXXX. To report that I was the victim of an internet fraud XXXX resulting of a loss of approximately {$8000.00} U.S Currency. I applied for a listing on XXXX for a job as a secret shopper and submitted an online application. The alleged business to which I applied was listed as XXXX  XXXX XXXX ( XXXX ) and subsequent email correspondences were directed to XXXX ( XXXX ). I supplied RBG my Discover account ( information and on XX/XX/22 I received a {$3100.00} deposit. I was the instructed to purchase gift cards for specific amounts at various stores and in return I would be paid {$300.00} for each store visited. On XX/XX/22 I purchased XXXX gift cards, each for {$500.00} ( total {$1500.00} ) at the XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL. I also purchased XXXX gift cards, each for {$500.00} ( total {$1000.00} ) at XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL. I provided XXXX the gift card information via text message. On XX/XX/22 an additional {$2600.00} was deposited into my Discover account to facilitate the purchase of more gift cards. On XX/XX/22 she purchased XXXX gift cards, each for {$250.00} ( total {$500.00} ) at XXXX XXXX located at XXXX XXXX XXXX, XXXX, FL. XXXX 's final gift card purchase was for XXXX cards each for {$500.00} ( total of {$2000.00} ). On XX/XX/22 I received notification from Discover that the original {$3100.00} deposit was returned unpaid. Discover made the same notification regarding the subsequent {$2600.00} deposit returning unpaid on XX/XX/22. After I notified Discover Card, the suspects removed an additional {$3200.00} since this happened I notified Discover and asked Discover will credit that amount to my account so she did not add that {$3200.00} to her original {$5700.00} reported loss. 
I was the victim of an online fraud scam which I believed to be a legitimate business per all the documents that were completed as a real job application. Discover will not accept my Police Report for the losses that are incurred and are holding me responsible for paying the amount of approximately {$8000.00} that I was swindled out of in this scheme to defraud case. Discover refuses to help and threatened to ruin my credit if I did not start to pay this debt from this criminal case in which I was the victim and am still continuing to be victimized by Discover in having to pay this total amount that I was swindled out of and defrauded of.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/2022.
Consumer complaint received 2023-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Re : XXXX and XXXX The information they sent did not explain the PROCESS they used The " report '' was basically copies of letters they had sent me and my bank statement. It did not include any details about investigation into my claim. Wells Fargo is inconsistent on who is reimbursed and who is not from these scams. 

I saw this article, and I want to re-open my claim for reimbursement. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WV)

I file this complaint to compel my student loan servicer, MOHELA, to process the attached Employment Certification Form in a timely manner. My employer and I electronically signed the Employment Certification Form on XX/XX/XXXX, using the PSLF Help Tool on studentaid.gov. Please see the attached. The Employment Certification Form was sent to MOHELA on XX/XX/XXXX. MOHELAs website states that it received the Employment Certification Form on XX/XX/XXXX. Please see the Documents Received attachment. MOHELAs " PSLF Payment Tracker page states : Processing your PSLF form may take up to 30 calendar days from the date your PSLF Form is received. For PSLF waiver payment counts to be updated or for loan discharge to occur, we must receive the approval from XXXX XXXX XXXX. After we receive the approval, it may take up to 90 business days to process this information. I was not seeking student loan discharge at this time, as I have not reached the required 120 qualifying payments. PSLF waiver counts are not applicable to me, as I always adhered to the original PSLF program rules. Thus, it should have taken MOHELA no longer than 30 calendar days to process the attached form, per its website. Accordingly, MOHELA should have processed my Employment Certification Form no later than XX/XX/XXXX, if its website is to be believed. In fact, the PSLF Help Tool is supposed to expedite processing times. That clearly has not occurred here. It is now XX/XX/XXXX. I would note that my employer has been determined to be eligible on numerous occasions for PSLF purposes per studentaid.gov, my prior loan servicer, XXXX XXXX, and even MOHELA itself. I have a qualifying direct consolidation loan, and I was always on a qualifying income driven repayment plan ( PAYE and now SAVE ). I have always worked for the same qualifying employer that has been approved numerous times. I worked for my qualifying employer full time for 40 hours per week. As of XX/XX/XXXX, which was the last approved Employment Certification Form I submitted, I had made 72 qualifying payments. Please see attached. Since that time, I have made an additional 12 qualifying payments as of XX/XX/XXXX, when my most recent Employment Certification Form was signed ( it is attached ). I should have 84 qualifying payments as of XX/XX/XXXX, which is the date the attached Employer Certification Form was signed through the PSLF Help Tool on studentaid.gov. And yes, my employer and I did everything correctly when using the PSLF Help Tool. My payment due date was the XXXX of each month at the time, so XXXX of XXXX  should qualify. I am on auto debt, so I have never been late with a payment. Processing this form should not be a complicated task. I request that MOHELA process my Employment Certification Form forthwith.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

And according to 15 usc 1681a ( 2 ) ( 1 ) late payments are illegal according to this law and under exclusions. Charge off is considered to be written off as a loss and considered when filing taxes as to be taxable income and should not be used and against the law to use in credit reporting and I have tried to fix this with the XXXX  and with CFPB as well and they still have not corrected my report. And past reporting to credit. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing . 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.

With that being said you cant report a charge off and current late payments on a credit report and this is clearly a violation of fair credit reporting. Thats like double damage to credit reporting on me in all credit agencies. I have been disputing this same is time and time again and this is causing a hassles for something that should be deleted because it violates the law of credit reporting by all agencies. And reporting a past due amount on an account that is charged off as well.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Please see the attached XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ( dba ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( dba ) in XXXX  as XXXX XXXX XXXX XXXX  dated XX/XX/2023.
Consumer complaint received 2024-02-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (GA)

I applied for a business loan with Wells Fargo in which I have been a customer for over XXXX. Wells Fargo has XXXX of my business checking accounts in which they refuse to loan when I receive an adequate amount of income on each account. This has caused issues with me believing this company discriminates based on their own personal reasons. Wells Fargo should loan based on credit worthiness and income. But they denied my loan stating I dont have enough credit history of installment loans. Which sounds very unconvincing because I actually have XXXX installment loans and I have never been late on any of my payments with any account ever. I currently am asking for a line of credit and they denied the credit and told me they would open a case and get back to me. Currently awaiting the process and the excuses of why they choose not to provide a loan to me.
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (OH)

Something that I purchased from XXXX on XX/XX/24 and paid for through PayPal was shipped to me and delivered but left in an unsecure location and someone took it sometime on or about XX/XX/24. I filed claims with both XXXX and PayPal, but PayPal denied my claim on XX/XX/24 under the buyer protection program. I was instructed by a PayPal representative to reopen a claim with XXXX on XX/XX/24 but that was not successful. XXXX suggested I reopen the case with PayPal, which I tried to do today but PayPal said I only had a 10-day window during which to reopen the claim. The problem is the communication from them did not indicate a Time limitation. I have an email with no mention of a 10-day time period.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for several rental properties and was denied because of Transunions Rental Screening report. Transunion was reporting inaccurate information affecting my ability to find a home. I spent months trying to find a home and was constantly denied becasue they said my Transunion Rental Screening Report was reporting an eviction on my consumer report. Ive tried reaching out to Transunion and theyve denied me access to my rental screening report. I have been damaged by this trying to find a home but was constantly denied because of Transunions Rental Screening inaccurate reporting on my consumer file saying ive been evicted when ive never been evicted before.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IN)

I have a XXXX Credit Card which is back by Comenity Bank. I missed a payment on XXXX XXXX following this with in the next few days they had started to call me multiple times a day from XXXX, XXXX, and blocked numbers. I received up to XXXX calls a day. I had called multiple times to ask them to stop harassing me. Call center reps said they would stop calling, then hang up on me. I would continue getting calls within an hour. I spoke with a manager who was extremely rude and stated I was calling him a liar because they never tried to call me. Despite the fact I provided proof of the calls and informed him they were violating the Fair Debt Collection Practices Act. He also claims they don't make calls from the XXXX despite the fact it is their " local '' number and you can call it and it sends you to the same place as their XXXX number.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (FL)

Made a payment to Goldman Sachs/ Apple Card for {$1700.00} and was informed my payment was being placed on a hold and would be released on XX/XX/01. When asked to show me the terms and conditions where it CLEARLY STATES my payment was subject to a seven business day hold. NO WHERE IN THEIR TERMS AND CONDITIONS DOES IT STATE ANY SPECIFIC TIME FRAME FOR A PAYMENT HOLD. Their terms and conditions state on page 13 : Credit Availability After receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a period of time. You can check the status of your available credit by going to your XXXX XXXX, accessing XXXX & XXXX XXXX, online at XXXX, or by contacting us. This is extremely deceptive and misleading practice. No where does it state a SPECIFIC time frame for my funds to be subject to any type of hold. Not to mention their excuse was my payment amount was out of the normal and I JUST MADE A {$1000.00} PAYMENT ON FEBRUARY FIRST.
Consumer complaint received 2024-05-02
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Shellpoint Partners, LLC (NY)

In XX/XX/XXXX, I closed on a XXXX bedroom unit in a low income XXXX XXXX XXXX XXXX co-op building in XXXX. Around XXXX, when interest rates dropped to their lowest, XXXX invited me to apply for an Interest Rate Reduction and represented they'd lower my interest rate which would have significantly lowered my monthly payments. I relied on that and submitted the application and paperwork. XXXX reneged and wrongfully denied the interest rate reduction which would have avoided all the horror that has come since. 

About XX/XX/XXXX, XXXX told me they transferred my loan to Shellpoint/New Rez , a debt collector who violates banking laws and engages in illegal, unethical practices. Neither XXXX or Shellpoint would reply to questions about my loan : was my loan sold, and, if so, to whom and for how much? Was my loan sold at a discount to be packaged as mortgage backed securities to investors as a type of collateralized loan? To date, neither of these institutions have replied to these questions. 

In XX/XX/XXXX, my young beloved mother, who I cared for, died as a result of inconsolable XXXX XXXX from burying my sister. My family was dead. My world collapsed. I underwent XXXX major surgeries. Then, XXXX  and the pandemic finished running me over. 

Shellpoint/New Rez has been illegally charging me unnecessary, expensive lender placed insurance fees- a practice which has lead to successful lawsuits against them. I've asked them to return all my money with interest and penalties but, they haven't. Shellpoint has not provided the items requested in formal Written Interrogatories - specifically, copies of files, notes, call logs, etc. Shellpoint has been trying to take my home from day XXXX with foreclosure threats and foreclosure actions. 

Please stop this financial terrorism. 

I'm a XXXX XXXX XXXX woman with severe limitations and health issues. I'm on food stamps, medicaid, and scheduled for in home help and XXXX through XXXX. My body is broken from life threatening injuries and XXXX surgeries and I need more surgery. I have no children, no spouse. All I have is my small apartment in XXXX. But, the multi billionaires at XXXX XXXX and Shellpoint, ( corporations worth {$4.00} XXXX and {$250.00} XXXX, respectively ), still terrorize me with foreclosure threats and foreclosure actions despite the fact that for XXXX long years, I've paid XXXX Bank and Shellpoint a total of about {$250000.00} on a $ XXXX loan. 

I have nothing else in life but my XXXX home of XXXX years. This constant distress of Shellpoint threatening to take it, is torture and it must end - it puts my fragile health in jeopardy of a XXXX or XXXX XXXX. They've already caused me to have a nervous breakdown. 

I beg you to please have Shellpoint, XXXX or any other institution that may be involved here, to close this matter and deem this loan satisfied, XXXX, cancelled or forgiven. Please help me get released from this bondage. 

Thank you for your help, intervention and human decency.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

XX/XX/23 - {$3800.00} deposit was OK on that same day, a {$1000.00} deposit was recorded but {$2000.00} was supposed to go through, or XXXX $ short. The ATM obviously was having trouble counting unlike the first transaction where the amount was correct and the ATM finished processing quickly, as the ATM was stalling for a long period before concluding the transaction, and noticing the amount was short when it was displayed, I was hoping that it would get recognized later somehow as I didnt want to open the ATM tray again but the machine eventually became jammed. My mother had this same issue for about {$580.00} at a different ATM but with the same bank and somehow she has credit permanently resolved into her account but mine was retracted. I called the bank the next business day ( XX/XX/XXXX ) and they initiated the provisional credit and investigation. Until XX/XX/23 the investigation was concluded in their favor and supposedly sent a mail detailing this. I never received a mail about this, and the credit was rescinded on XX/XX/23.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Pursuant to FCRA 6802 ( a ) A Financial Institution may not directly or through any Affiliate, Disclose to a non Affiliated 3rd Party ANY NON PUBLIC PERSONAL INFORMATION WITHOUT PROVIDING CUSTOMERS OPT OUT NOTICES REQUIREMENTS US DEPARTMENT OF EDUCATION is not affiliated with consumer reporting agencies, therefore they are in violation
Consumer complaint received 2023-08-15
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: PENNYMAC LOAN SERVICES, LLC. (UT)

In XXXX with the fair credit reporting act XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit pan as late for any purpose.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Omni Financial Corp. (AL)

Southeast Toyota Finance XXXX XXXX XXXX XXXX, AL XXXX ACCOUNT XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS WELLS FARGO XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from WELLS FARGO WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.