davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

MOHELA is stating that my employment with the CFPB ended on XX/XX/XXXX whereas I have been employed at the Bureau without interruption since XX/XX/XXXX. 

As a result the eligibility of some of my payments for PSLF seems to be pending employer verification and the forgiveness of my student loans could be wrongfully delayed.
Consumer complaint received 2022-05-23
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: CITIBANK, N.A. (MS)

Im accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 


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

15 USC 1681 Section 604 A Section 2 : It also states 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 card account under a open end consumer credit plan as late for any purposes.
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On a pass-thru basis, I recvd an electronic payment on XXXX. Problems followed. A solution was available through PayPal. I recvd the money thru XXXX at XXXX Bank. From PayPal, I sent the money to its intended target But, I made a mistake and attached the wrong bank account at XXXX. My funding source had a XXXX balance. My backup funding source has a very low credit limit by design. PayPal should have declined the transaction. PayPal failed and sent the money. 

PayPal loaned me {$1500.00}. PayPal terminated all other services that I use. PayPal refuses to disclose the terms of this loan. PayPal was wrong to complete the transaction. PayPal knew that no funding source was available- and if they did not know, then all PayPal transactions are unsecured loans with no published terms. 

I demand to know the terms of the {$1500.00} loan that PayPal extended to me without my authorization. I demand that PayPal restore my services. 

I have been treated like a criminal and I do not appreciate it. PayPal personnel have questioned my integrity. Those same personnel threatened me - " we can go into that account any time we want and withdraw funds ''. That threat is on a voice recording if anything PayPal says is, in fact, true.
Consumer complaint received 2015-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Ideal Collection Services, Inc. (CA)

I moved out of an apartment XXXX on XX/XX/XXXX. XX/XX/XXXX I received phone calls from Ideal Collection Agency for {$930.00}, that the leasing company was charging me for damages to the apartment. Prior to this I had not received a notice or call from the leasing company regarding the charges. They claimed that they sent a certified letter to the address on file. However, I never received the letter, and even have an email proving that I updated my new mailing address within 30 days after moving. According to Florida statute XXXX, the leasing company has 30 days to send me a certified notice of any charges or forfeits their rights to them. I never received this notice. 
I sent Ideal Collections a certified letter explaining that the company forfeited their right according to the Florida statute XXXX, and that according to the Fair Debt Collections Practice Act they must acquire proof of the damages as well as proof of the certified letter receipt. No such evidence was produced because I did not receive the letter to sign for it. 
Instead the Ideal Collections company sent me a copy of the bill from the leasing company with the end of the required notice missing from the page. I would not know how to respond based on their bill. 
The Ideal Collections company is trying to acquire funds that the leasing company is not entitled to. They did not submit the certified letter to me within the 30 days, and never notified me otherwise of this debt.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (NY)

My Father passed away in XXXX of XXXX. On XXXX XXXX Key bank took monies out of 3 different accounts with no prior notice. 
{$1700.00} out of a fiduciary account for my Dad, putting this account into a negative balance. 
{$91.00} out of a checking account belonging to me with my father 's name also on it. 
{$97.00} out of an account my wife and I hold jointly ( no connection to my father ). 

I immediately went to the XXXX XXXX branch and spoke to the manager. I said I would try to contact the VA to address the issue. 

I reached someone at the VA on XX/XX/XXXX, XXXX told me they had not authorized this and that the last activity on my Dad 's account was the report of his death. 

In the meantime, Key Bank ( because my fathers account was overdrawn by them ) reported my father to a debt collector. I again went to the XXXX XXXX XXXX and spoke to the same manager who told me brusquely, " once it's overdrawn it goes to collections. Nothing we can do. '' My wife is applying for a new job with the government and is concerned this unjustified Debt will affect her ability to get the required security clearance.

Key bank then closed 2 accounts, including the one I had been using as a checking account. This resulted in me having to spend additional monies to order more paper checks. 

The last insult arrived last week in the form of a bill for {$59.00} for a safety deposit box, that was tied to one of the accounts Key closed without authorization. The notice arrived marked Past Due.

Key bank has denigrated my fathers name by sending him to his grave a debtor. Key Bank has taken monies from my family and are now attempting to monetize my fathers death.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (GA)

You are fraudulently and falsely reporting HOW ARE YOU FALSELY & INACCURATELY REPORTING MONTHLY LATE PAYMENTS TO CREDIT BUREAUS/AGENCIES ON A VEHICLE/PROPERTY YOU HAVE IN YOUR POSSESSION? The account you are reporting on has been IDENTIFIED as a VOLUNTARY REPOSSESSION or ILLEGAL EVICTION & NO MONTHLY PAYMENT ACCOUNT SHOULD APPEAR or EXIST after a the vehicle/apartment was repossessed/vacated I have a right to factual reporting on my credit profile You have falsely reported XXXX late payments since XX/XX/2017 the vehicle/property was sold/rented and was covered by gap insurance or renters insurance or homeowners insurance or my security deposit you have refused to show proof of CHECKS or/and MONEYS received from GAP INSURANCE/Renters Insurance Homeowners Insurance/ Security Deposit COVERAGE. Since the vehicle or apartment is no longer in my possession or occupied by me it is impossible for me to DEFAULT or INCURE LATE PAYMENTS after the fact I have a right to have an accurate and FACTUAL CREDIT FILE & DISCREPANCIES like this are UNACCEPTABLE and VIOLATE MY CONSUMER RIGHTS. So please immediately remove this account and its entirety from all my credit files/reports
Consumer complaint received 2022-05-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

Late XX/XX/2022, I called Wells Fargo about my Car payment being late. I explained I had XXXX XXXX and would like to workout a plan to get my Car loan current. We came to a conclusion that worked. After my loan came current, the lates wasnt removed as I asked before I went through with agreement. Im covered under the cares act for this accommodation to be met. Ive done everything like switch due date, deferred payment and no releif.
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-23
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

This is a repeat occurrence where Wells Fargo is charging a monthly " DIRECT PAY MONTHLY BASE '' of {$10.00}, even though I never asked for this service to be activated. This is happening on two business checking accounts. Whenever I try to get this corrected, branch staff tells me they can not help and I need to use a customer service hotline which requires a significant amount of time, a commitment I can not easily make during business hours during the week. This feels like a deliberate tactic to trap customers like me into accepting these fee, for a service I never asked for and never benefited from. I have never in my life made a " direct pay '' transaction at Wells Fargo!
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting an inaccurate account on my credit report. I have settled this debt and do not owe anything on it. It should not be on my credit report at all.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (CO)

I have not been able to access my online accounts for over 11 days now. I can not see any transactions, account balances or any other information through online banking. Additionally, I can not see or make any payments towards my credit card through this bank. VyStar has provided no timeline as to when I can expect to access my accounts again.
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

My home is underwater I owe more than its worth and I needed help. 
So I applied for a Principal Reduction and a Loan Modification with Ocwen LLC ; XXXX XXXX. I requested the Loan Modification package several times from Ocwen in writing and received it the last part of XXXX XXXX. I also did at the same time apply for Keep Your XXXX California in XXXX XXXX. I received a letter from Ocwen dated XXXX/XXXX/XXXX with an Auto-generated value assessment of some sort? Contained within the document were comparables that were miles away, brand new custom homes nothing like my home. I have a track home which was valued at the low XXXX 's. I submitted to Ocwen MLS Comparables in my neighborhood realistic values ; with the highest value at XXXX. 
I submitted requested documents to Keep Your Home California while submitting the loan modification package to Ocwen twice. By XXXX XXXX, XXXX Keep Your Home California sent me correspondence stating that I qualify for a Principal Reduction. Keep Your Home California had requested my old Loan Modification from 5 years ago to help with the process ; I then wrote Ocwen requesting a copy of my modification be sent to Keep Your Home California ; I did this twice. By XXXX/XXXX/XXXX Ocwen LLC sent correspondence to me that they had received my application for assistance and the process would take 30 days to review. In the meantime I had requested in writing for someone to help me through this process and on XXXX XXXX, XXXX ; I received a letter from Ocwen saying I had a relationship manager XXXX XXXX. On XXXX XXXX, XXXX ; I received another letter from Ocwen that they had received my request for assistance and it would take 30 days to review my application. This process with Ocwen has been confusing and stressful to say the least! Now to make matters worst in the process I receive a letter from Keep Your Home California stating that my loan servicer Ocwen has not approved my loan for participation in the KYHC program. It appears Ocwen LLC wants me to loose my home ; Keep Your Home California stated that I had qualified for the program. Ocwen has participated with Keep Your Home California when I use them before on XXXX XXXX, XXXX. I received the Satisfied Reconveyance Deed XXXX XXXX, XXXX. 
Ocwen LLC is preventing me from obtaining a principal reduction to help make my payments affordable. My family has lived in our home for 23 years and I need your help so we can keep our family home and not loose it to foreclosure. I will attach all supporting documents.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IL)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you please verify the documents? Several of the listed accounts are not accurate, and it's causing me some distress.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc (MI)

I applied to drive for XXXX and XXXX, they Hired Checkr to do a background check. It has been around XXXX days now and they still have not completed the report. I also applied for a company called XXXX and they used Checkr and completed the report in XXXX hours. I can not get a explanation to why it is taking so long for XXXX and XXXX. The company is causing financial loss to me because of the lack of information they are giving me. They will not tell me why it is taking so long.
Consumer complaint received 2018-09-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have a loan with USAA FSB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and USAA FSB with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Consumer complaint received 2022-05-23
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit Acceptance Corp sold me a vehicle that had mechanical problems and 3 months after I purchased the vehicle the transmission blew out. Credit Acceptance Corp reached a settlement agreement with me in XX/XX/2021 and promised to settle the debt and delete from my credit report. However, Credit Acceptance Corp is causing severe damage to my credit by reporting the account every month on my credit report with a new balance.
Consumer complaint received 2022-05-23
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. (NY)

i wrote a letter to equifax and sent it via certified mail tracking XXXX on XX/XX/2022 it was received detailing several accounts listed wrongly most importantly my child support was listed as delinquent and it has never been i provided my case no and proof of pay stubs that the court ordered payments taken directly from my salary and paid out to the mother of my son weekly. I have shared custody and gave them all details so they can report it correctly still nothing was fixed and noone has responded. this is causing my rate for a mortgage i applied for to be higher than necessary. The discrepancy is financially hurtful and offensive.
Consumer complaint received 2022-05-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OK)

I have been trying to resolve this since finding out in XX/XX/XXXX that my mortgage was being sold by XXXX to another company XXXX. At the time I was on a forbearance plan due to company furloughs because of XXXX. I was planning to resume payments in XXXX which I wasn't able to do because of the transfer. I filed a complaint on this website on XX/XX/XXXX because XXXX  failed to reply to my numerous requests for information. They did however send you a letter so the case was closed even though my questions and concerns were never really addressed. Despite my leaving numerous messages since then I still have not been contacted by the person they say is over my account. They did finally apply the funds by XXXX  to my account and sent me the modification documents stating it was done and I was to begin paying on XX/XX/XXXX. I am still however waiting to see if the XXXX funds will be approved and applied to the remaining past due, as of the last conversation with them XXXX had still not replied to their requests either. Now on XX/XX/XXXX I received another letter from XXXX saying they have sold my mortgage to a new company called XXXX XXXX and I am to begin paying them effective XX/XX/XXXX. I have been in this house since XXXX and until XXXX and XXXX never missed a payment. I do not want to lose it but this mess has gone on long enough. Will you please tell me who to contact if you can't help this time as I am beyond fed up!
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

Experian is reporting an inquiry on my credit report from XXXX XXXX on XX/XX/21 I have filed several request for it to be removed. I also contacted XXXX XXXX. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It does not belong to me.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX has fraudulently reported my mortgage as late when it was paid off before the dates that they report it as late. They have fraudulently or mistakingly reported my mortgage as late.
Consumer complaint received 2022-07-06
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. (CA)

There is an account on my credit file that I have disputed and was removed but then placed back on my credit report i have tried disputing this issue several times this account was never paid late and was paid in full and closed this account should not be reported as negative i have reached out to the original company and they have also contacted experian and advised this account to be removed