davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

My loan servicer, Mohela, is supposed to accept Public Service Loan Forgiveness ( PSLF ) certifications. They state that they will take XXXX  days to process PSLF certifications. I submitted a certification on XX/XX/XXXX. That request was canceled without my consent by Mohela. I called and they acknowledged their error. It was re-submitted for processing on XX/XX/XXXX. It was then canceled again without my consent by Mohela. I called again and it was then re-submitted in XX/XX/XXXX. 

The resolution of this certification is now over XXXX  months delayed with no end in sight. In addition to unfairly cancelling PSLF certifications, Mohela never alerts me to it so I am left trying to find out on my own whether they are doing their job or not.
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (MD)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CNG FINANCIAL CORPORATION (CA)

I cashed a check years ago with XXXX XXXXh ( NEVER CHECK N Go ) and the check was returned in which I paid the check back to the speedy cash location on XXXX XXXX because Check N Go would NOT cash the check that my work XXXX sent to me to travel right away and this was over 4 years ago. The company I worked for voided the check and issued a deposit instead which had me returning the funds. I am now receiving some type of fraudulent XXXX XXXX XXXX XXXX XXXX Check N Go XXXX XXXX, XXXX : # XXXX account number reference # XXXX XXXX Client XXXX I do not have a relationship with this company
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX - I initiated payment using Wells Fargo 's bill pay system for property taxes to the XXXX XXXX ( FL ) tax collector in the amount of {$6200.00}. 
This payment was due by XX/XX/XXXX to qualify for a 4 % discount. My record from the bank shows it was sent on XX/XX/XXXX XX/XX/XXXX - I checked with the tax collector to see if the payment had been received as it had not cleared. 
They had not received payment as of that date. I showed them a proof of payment indicating when the payment was initiated. 
XX/XX/XXXX - I again checked in with the tax collector. I spoke to XXXX XXXX? ) who said she would check with the person who was actually processing the payments to see if it had arrived. It had not posted yet. The person processing the payments is onsite. I was present during this phone call. The person processing the payments said my payment had just arrived. It was in an envelope with a number of other checks, the latest of which showed a date of XX/XX/XXXX. There was no postmark on the envelope as it was a commercial XXXX. 
My complaint is the bank debits the funds immediately from my account but does not send them when they say they do. Assuming my check, mailed with a number of others, was mailed on XX/XX/XXXX ( the date of the most recent check in the envelope ), that is two weeks later than they indicate on the proof of payment. When I call the bank, they just regurgitate the date that is on the check. I did file a complaint in writing and their response is they batch payments going to the same address and that's OK. Obviously, tax payments are time-sensitive and that makes this deception that much more egregious. I believe that their bill pay practices are deceptive as the implication with the proof of payment is that it is sent when the payer initiated the payment. It is not. Additionally, what are they doing with my money in the two weeks from when they debit my account to when the payee actually gets it? In my book, this is fraud. I don't have a problem with batching payments AS LONG AS THEY ALL HAVE THE SAME DATE AND ARE MAILED WHEN THEY SAY THEY ARE MAILING THEM.
Consumer complaint received 2023-01-12
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. (MI)

This account XXXXXXXX XXXX has improper grammar it says the account is potentially negative and it says paid I'm saying that the monitoring of the account is incorrect it was paid the first two years of a four-year contract and a couple months was unpaid and then went into negative but the account was later paid off in the account is paid now they also settled then I paid I believe the account should say potentially settle and paid it should not say potentially negative although the town had a few months unpaid it was 2 years pay on the same account so it's just say potentially settle and paid and if it says potentially negative and paid off it is considered incorrect grammar
Consumer complaint received 2021-01-05
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)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270.00} XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}
Consumer complaint received 2023-05-18
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. (TX)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

Citi sent me a letter and fraudulently closed my credit card account that I have had since 2012 stating I was not using the card as intended. I am the original creditor and was using the card as intended and am very distressed that the card was shutdown.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-09-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX 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 an account without my written instructions.

The account was also paid in full.
Consumer complaint received 2023-03-11
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. (OR)

{$290.00} XXXX Other by collection/charges {$120.00} XXXX other loan collection/charges {$0.00} pastdue credit collection other loan 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 is u.s.c. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting 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 7 years.

15 u.s.c 1681 s-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 2023-01-31
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. (SC)

XXXX XXXX XXXX XXXX : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-01-31
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Starting on XX/XX/XXXX I had fraudulent activity on my debit card. Whoever got ahold of my debit card number drained my entire checking account which amounted to {$5300.00}. When this was happening, Wells Fargo did not notify me by text or any kind of red flag to my account while it was being drained. They did not freeze any charges either. The following charges were : 1 ) XXXX  merchant I believe in XXXX for {$2400.00}. 2 ) Parts shop XXXX XXXX in XXXX, Ca for {$2700.00} 3 ) Money transfer XXXX  {$94.00} 4 ) Money transfer XXXX  {$100.00}. As soon as I noticed the charges, ( XX/XX/XXXX ) I contacted Wells Fargo customer service to let them know that I did not authorize any of these purchases and filed a fraud case with them. They let me know they would investigate the situation and send me a letter with their decision. After a few days I did receive an amount from XXXX for {$2400.00} credited back to my account as well as a partial credit of {$240.00} back from Parts shop XXXX XXXX but that was all. This leaves the amount of {$2400.00} outstanding not credited to my account from them ( XXXX XXXX ) as well as both the XXXX  charges were not credited. That totals {$2600.00} that Wells Fargo has not returned to my account. When I spoke with a rep in the fraud department on XX/XX/XXXX, ( XXXX ) she said that the investigation was concluded and they spoke with XXXX XXXX and they said it was a valid charge. This is untrue. This charge was also entered manually by the merchant, meaning the card was not tapped or inserted. I'm not sure why only {$240.00} of this huge charge was returned, but the whole amount should be. I was told I would receive a phone call in 48 hours from XX/XX/XXXX when I talked to the rep, but I have not received a call. I just received 2 letters saying that I was partially refunded and that was all because my claim was being closed. I am shocked that these charges were allowed to go through and my entire account drained and Wells Fargo has only returned a partial amount of my money. I am so disappointed that this has happened to me as I am a XXXX XXXX XXXX XXXX just trying to save for my first car. I can't believe Wells Fargo has not called me back and has not returned the rest of the money stolen from my account. The fraud report number is XXXX. Thank you, XXXX XXXX
Consumer complaint received 2021-01-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

My Loan # XXXX This complaint is an additional to complaint filed XX/XX/XXXX and has relevant documentation of mortgage and escrow payments to PennyMac, please add and accept.

There are 3 files uploaded from my bank-XXXX XXXX XXXX XXXX, to show how much, when, and what date payment were made to PennyMac for a 16 months ( XX/XX/XXXX until XX/XX/XXXX ) until mortgage loan closing. 
My PennyMac mortgage payments were {$1100.00} from origination date ( XXXX ) until XX/XX/XXXX. However, my mortgage was reduced to {$1100.00} due to an ESCROW SURPLUS and I began making payments of {$1100.00} beginning XX/XX/XXXX. 
Payment BREAKDOWN ( $ XXXXPrincipal+ {$370.00} Escrow ) = {$1100.00}. 
All payments were made on time from XXXX to XX/XX/XXXX. Then I applied for a COVID-19 HUD forbearance for XXXX XXXX XXXX, however I continued to pay my escrow of {$370.00}. 
After an escrow analysis in XX/XX/XXXX, I resumed my mortgage payments with as set by PennyMac, with an increased total payment of {$1100.00} until XX/XX/XXXX closing. 
I have NEVER failed to make escrow payment during any month since PennyMac mortgage origination date of XXXX and have attached financial documentation. 
PennyMac has continued to falsely state this about me to you in their response, which stated my mortgage escrow had over a $ XXXX {$4000.00} shortage.
Consumer complaint received 2024-03-18
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. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( " XX/XX/year> '' ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Hi, my name is XXXX XXXX XXXX, my XXXX is XXXX. The first day i was opening my account banker scan my documents and after wrote over they, that's why they are not correctly in the Database, thats why they are no legible, thats maybe the cause of all this situation. I have send the documents more than 5 times, including through the one of their managers. 

Now Chase retein my funds from XX/XX/XXXX till now and nobody give me and straight answer, last call they was saying that the funds where in OFAC but is imposible because i have OFAC confirmation and they don't have my funds. 

Today they was trying to tell me that is my fault, because i don't have a legal document, in that case, why they open the account in a first place...? Is not my mistake. 

But honestly is not correct, i have I XXXX and I'm legally working and living in this country. 

They told me now 8 times " We are gon na send the check next week '', the first time was in XXXX, but never happen and the story start over and over again without and end. 

I'm really upset, because i have tell they that i wan na close my account but i don't know why in 6 months they don't close it, whats is rare because in the Branch they have a note saying that i can make a withrowal but they can not make the overwrite in the system and thats it. 

I have call more than 20 times, every call 1 hour or 2, they have call several times with a different version of the situation, i have been in the Branch several times, more than 15 times, in differents Branchs actually ... what i need to do to receive my funds??? 

I have my son and wife suffering this horrible situation and i have been paying everytime XXXX plus my rent payments because Chase have my Funds and i have delays. 

I need a Senior Manager and the solutionplease... ASAP.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX - XXXX
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My compaint is on XXXX I did not know that this entitiy was in kahoots with XXXX. I just ran for XXXX in XXXX XXXX 2022. I had XXXX they let them shut down my whole communication. For the whole race. I am a two time business owner and it was a business account. I believe this credit bureau should be charged and locked up. They have all our information on their hands and we can't trust them. I have been trying EVRYTHING to fix my credit report with this entitity for over seven years. The had a data breach involving XXXX, and all our personal, and business account where compromised. Yet I have been trying to be compensated for all my I.D theft. They report old, false, someone else 's bills they accumulated from stealing my I.D I have FTC reports, CFPB reprots, I have certified, emailed, spoke with 1,000,000 people in this seven year span of destroying my life. I can't get a job, an apartment, credit cards high interest. My life is unlivable. being uneployed and broke. Everytime I erase something off that I did not do They act like the going to raise ith then they drop it. How they should be putting all americans credit at 800 after the allowed hackers to steal OUR lives. I need for this entitiy to put my credit score to XXXX immediatly, if not Next course of action is Civil lawsuit. I need to here from this entity immediatly. They have no score when you look my credit score up. I had to do all the work to dispure all this ID theft nad inaccurate reporting. I'm mentally and physically drained out trying to fight All three credit burueas for their mistakes. This is illegal