davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX, I was contacted by individuals who were claiming to be employees of XXXX XXXX. They were offering me a remote position for a XXXX XXXX XXXX. They explained to me that I would need certain items for my remote work station, and that they would be sending me money for equipment. 
On XX/XX/XXXX, I received my first check of {$990.00}. 
On XX/XX/XXXX, I deposited that money into my bank. 
On XX/XX/XXXX, I sent the money via XXXX to what I was told was a " Company Approved Vendor '' that was going to be sending me my equipment. 
Also on XX/XX/XXXX, I received a second check for {$950.00}. 
On XX/XX/XXXX, I deposited the money into my account but the funds didn't hit until XX/XX/XXXX. 
On XX/XX/XXXX, I sent the money via XXXX to another " Company Approved Vendor '' for equipment. 
Later on XX/XX/XXXX, both the checks for {$990.00} and {$950.00} were charged back to my account, and it was evident that I was a victim of a very elaborate scam that lasted over a week. 
The people involved were impersonating real employees of XXXX XXXX, which I ended up contacting and they confirmed it was not them that I was talking to. 

When I woke up on XX/XX/XXXX seeing both checks bounced back, I immediately contacted my bank, Bank of America, and filed a complaint on both the checks and XXXX transfers that were a part of the scam. Last week, I was notified that I would not be receiving funds back from the check chargebacks, even though I have given them physical proof of the email conversations of the scammers and the actual employees of XXXX XXXX that confirmed it was not them I was speaking to. 

Below I will attach 4 documents ; The fake email conversation with scammers pretending to be : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX are via email while XXXX XXXX is via XXXX XXXX. 
Also, I will attach a conversation with the real XXXX XXXX on XXXX, with her confirming that it was not her in the XXXX XXXX conversation. 
Also, I will attach the checks that I want a refund from that I mention in the resolution section.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

My student loans are serviced by Mohela. I am still XXXX XXXX  and not accruing interest on my loans yet, but I make periodic payments when I can afford it. On XX/XX/24, I made a {$3000.00} payment on my student loans through Mohelas website. The payment was taken out of my bank account, is showing on my bank statement, and I received a confirmation email for my payment from Mohela. I just checked my payment history and noticed that the payment is not in my account history and was not subtracted from my total loan amount. Its showing that my last payment was made in XXXX and this one was made in XXXX. Its extremely difficult to talk to a real person on the phone with Mohela because they are dealing with so many complaints and had to transfer their accounts to the student aid website ( which was completed for my account in XXXX, so I dont think the issue involves that ). In Mohelas FAQ, they say to submit a bank statement if payments have been cleared by your bank, but arent showing up in your payment history. I clicked on this link to upload my bank statement file and the link is broken.
Consumer complaint received 2020-06-10
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. (NJ)

Back to XX/XX/XXXX ( Report Number XXXX ), The first time I disputed the item result was The item you disputed has been updated, which may include an update to the disputed information. However I haven't seen any details with changes. ( See Report attached ) Back to XX/XX/XXXX ( Report Number : XXXX ), I request a re investigation and once again your result was The item you disputed has been updated, which may include an update to the disputed information and the report is the same the result of XX/XX/XXXX and there is any change in the report. ( See Report attached ) On XX/XX/XXXX ( Report Number : XXXX ) I request another investigation and now they said " the account is verified. Pursuant to section 611 ( a ) ( 3 ) ( A ) of the fair Credit Reporting act, they will not re investigate the same account again '' However on my first two disputed they never verified the account until now. but how an account can be verified if has been re-aged??
Consumer complaint received 2019-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Credit Services, Inc. (CA)

My student loan is in default. National Credit Services has been contracted to rehabilitate my loan. I have been making them payments. They do not give me any information about the progress of my loan rehabilitation. The operators conveniently lose or do not complete payments when I call them in. I believe they intend keep me making payments as long as possible without rehabilitation.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX/XXXX  # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo recently settled with the CFPB for {$2.00} XXXX in damages to account holders due to illegal practices. Since opening my checking account with them in 2012, I have received numerous surprise overdraft fees. After filing a complaint with the executive department to receive proper compensation for these fees, Wells Fargo closed my complaint and refused to follow through and abide by the settlement.
Consumer complaint received 2022-01-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

National Credit Systems. Agreed to Forebearance of 6 months and a settlement amount of XXXX. They are not reporting the forebearance as promised. remove from my credit report until XX/XX/2022 and during this time I will settle the account for XXXX as agreed.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AZ)

Ally is willfully reporting to the credit bureaus 30 day late for XX/XX/2019 and XX/XX/2019. Ally is in breach of an extension contract signed in XX/XX/2019 and damaged my credit rating unfairly. 

On XX/XX/2019 I entered into contractual agreement with Ally to extend all past due payments for 2 months from the date of XX/XX/2019 forward. 

The Ally manager I spoke with named XXXX confirmed that this contract would bring my account current. All delinquencies within the specified date of signing the agreement would be updated to current at the credit bureaus. 

For 6 months Ally has reported inaccurate information with total disregard for the contract it signed. Please be advised the CFPB record will show this issue was recently brought to the attention of Ally. 

Ally representative XXXX displayed gross and voluntary disregard for the CURRENT issue by simply uploading documentation from a previous incident to characterize the matter as an older resolved issue.
Consumer complaint received 2019-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$10000.00}, {$12000.00}, {$18000.00}, {$35000.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.
Consumer complaint received 2020-06-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am waiting on an approval from Capital One Auto Financing to get a car from XXXX of XXXX. The issue is, I had an extended credit alert ( Had it removed ) and the phone number on file is wrong. I recently had it updated and the correct number is XXXX. Capital One keeps calling the number listed on the file which is wrong.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (PA)

I have a disputed credit card debt with Wells Fargo from 2018, which I have been trying to resolve with them and am unable to connect with anyone to at least discuss setting up a payment plan. Now my employer has received a wage garnishment letter, which is prohibited as I am a Pennsylvania resident and it is illegal to garnish wages for credit card debt in this state.
Consumer complaint received 2023-01-23
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. (NV)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

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 15 U.S.C. 1681 section 602 A. States I have a 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 with 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 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 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One was notified of hardship due to Covid 19 pandemic when asked to defer payments this was denied. Complaint made with CFPB regarding this on XXXX this was no help. Today XXXX reached out again to make arrangements was told by customer service that his manager gave permission for 2 payments to be deferred but a regular payment was needed. Not only did we do regular payment of XXXX but an extra XXXX was paid once this was paid they said they couldnt defer the 2 payments. This conversation per recording and customer service rep was being recorded and my husband was also part of this conversation. We were told there was nothing they could do for us other then a month. Was then transferred to a different department an account specialist they too said it was a company guideline. So again we were taken advantage of. We tried making arrangements as well as as given XXXX plus dollars that during this time is difficult to do and to be told they would help and deceived of to get money is unacceptable. Something needs to be done!!!! Acct number for our loan is XXXX
Consumer complaint received 2019-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX has been setup on a payment plan and balance has been agreed upon for settlement. XXXX XXXX has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MST Financial Services, L.L.C. (WA)

I received a call from Chapman Financial Services last week XXXX  about a bill from XXXX or XXXX not sure. From XXXX XXXX XXXX XXXX XXXX a local newspaper. I had gone in personally hopping mad because I went on their erroneous website to get a quote for an ad to find a place to rent. The website wouldn't calculate the words so I literally backed out of the ad not giving any credit card or final okay. Didn't think anything of it. Then a bill came to my XXXX XXXX XXXX how sketchy is that. I went into their office and gave them my piece of mind. I got hijacked by a web page they illegitimatly billed me from anyway! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX.
Consumer complaint received 2019-12-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and all need to be deleted from my credit report : XXXX XXXX. Inquiries : XXXX & XXXX XXXX
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance XXXX {$2100.00} Equifax : XXXX XXXX XXXX Balance : {$560.00} XXXX : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

as of XX/XX/2019 I had filed against XXXX/Equifax and the results were to remove from my credit report. I applied for a credit card and I was denied due to Equifax not deleting my XXXX  information. it was agreed on XXXX file. and it was not done, so my fico goes down due to being pulled and I was denied. how good is these credit bureaus???
Consumer complaint received 2019-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (LA)

Back in XX/XX/2018, BEFORE I got behind on my payments, I contacted Mr. Cooper, my mortgage lender, and informed them that I was being placed on bedrest due to XXXX complications. I requested any assistance that they could provide to help me with my mortgage while I was on bedrest to keep from falling behind. They told me that all I could do was apply for a loan modification. I applied and the modification was finally denied in XXXX of 2018. I was informed that the reason for the denial was lack of income. The agent who informed me that my only option was a modification was well aware that I had no income due to my health status. I went back to work in XXXX, but now my mortgage is about 4 months behind, and Ive made my usual payment since then. All of my savings was used up while I was off work for almost 7 months. After returning to work, I was encouraged to reapply for the loan modification in hopes of saving my house. It was also denied on XX/XX/2018, because my obligations exceed my income. Isnt that why I need the modification? I called on that day and spoke to a representative ( who told me why my modification was denied ) and asked who I could file a complaint with against their company and was told that my loan was an FHA loan so the FHA is my lender, and they dont take phone calls. The FHA doesnt lend money - they guarantee loans, AND I have a conventional loan. Mr Cooper has lied to me over and over. They have never tried to help me keep my home, and they still arent helping.
Consumer complaint received 2024-01-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CT)

This follows from complaint XXXX where Mr Cooper incorrectly XXXX to charge us for the same mortgage twice. We had paid off the mortgage through XXXX and somehow Mr Cooper transferred the mortgage loan without the payoff. This was corrected only after we filed complaint XXXX. 

Now, we see on our credit report that Mr Cooper lists that the mortgage ( again paid off ) has an outstanding balance. Today we also received a false XXXX statement showing a balance. 

We filed our last complaint in XX/XX/2023. This should have been corrected then. Now we are receiving false tax forms and false information on our credit report.
Consumer complaint received 2022-03-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

new and updated information XXXX has failed to respond to my letter received by them on XX/XX/2022 within the FCRA required 30 days