davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MN)

I have submitted numerous qualifying information to Mohela towards my loan forgiveness program and have not received a phone call or email that makes any sense! I originally paid a company named : Higher Level Processing to manage this for me and ended up paying them XXXX a month since originally applying to loan forgiveness program to find out they didn't keep tract? or Mohela messed up? I have since stopped paying that company to try and fix this mess myself and still trying to fix mess. I sent all previous and current W2s, and names of jobs held that were non-profit as directed. Now I see they have several of them listed on site, but they say employment not verified?? so they are not being counted. I'm at my wits end! Can someone please help?? I'm close to retirement now and if they weren't going to pay my student loans off, I would have been making payments all along as income is going to be limited shortly and my husband is already retired with set income. Please help! 

Thank you XXXX
Consumer complaint received 2024-05-08
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MS)

On XX/XX/2024 I stopped at Shell XXXX XXXX to fill-up as I normally do ( at the same XXXX XXXX ), for over a year and the purchase was declined by shell XXXX XXXXXXXX Credit Card. I called the so called customer service number on back of the card and spoke with someone who could not speak XXXX too well, and ( what I could understand ), the rep said that I needed to respond to a communication I will receive in mail. I asked to speak to a rep I could understand to no avail and I asked why was the card declined to begin with, and I received no answer. The account is current and has never been late with payments and had a substantial amount of credit available to use. The rep sent me a text, so I received the text and she said tell her the code in the text, I did that and she said I would receive something in the mail to fill out and fax it back... But, I still don't have any explanation as to why my shell credit card was declined, no letter, no nothing. Also, when trying to login to my shell account online, it won't allow me to it doesn't recognize my ID or Password. So I tried to re-register my card and after entering the card number, it says that account doesn't exist ... So, I don't know whats going on with my shell account ... ... even though it is current and up todate ....
Consumer complaint received 2024-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aldridge Pite, LLP (AK)

Clear Recon Corp did not give me the notice required under the section 22 of the DOT before acceleration on XX/XX/XXXX : Section 22 requires XXXX give the XXXX notice of acceleration and a chance to cure defects prior to accelerating the loan. This notice is distinct from the later-mentioned Notice of Default that Clear Recon, as trustee, must issue after the power of sale is invoked. Therefore, the XXXX have effectively pleaded that XXXX had a contractual duty to give them notice before accelerating their loan. 

See XXXX v Clear recon Corp. 

UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ALASKA XX/XX/XXXX XXXX
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (FL)

On XXXX/XXXX/2016 I filed a complain through CFPB against RPM for reporting a collection on my credit report. The original creditor was XXXX and after paying a debt that I owed, XXXX informed me that this account would not be listed anywhere on my credit report, but it was showing on my credit report as a collection. After filing a complaint with CFPB, Receivables Performance Management LLC responded to me with the following statement. 

" Upon receipt of this complaint, RPM contacted XXXX who confirmed that the account was properly placed for collection and had since been paid in full. XXXX has requested that RPM remove the account tradeline as a courtesy to XXXX XXXX. 
RPM appreciates the opportunity to respond to this matter and resolve it to XXXX XXXX 's satisfaction. If you have questions regarding RPM 's handling of this matter or if I may be of further assistance to XXXX XXXX please contact me directly at ( XXXX ) XXXX. 
Very Truly Yours, XXXX XXXX XXXX General Counsel '' It has been over 30 days and this company still has NOT removed this item from my XXXX report. I am trying to close on a home loan and this collection showing on my report is affecting me tremendously. I have attached documentation from both XXXX and RPM of where this item should have been removed.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

Claim Number : XXXX Dear Wells Fargo Customer Service, I hope this letter finds you well. I am writing to express my deep concern and disagreement with the recent denial of my dispute regarding unauthorized transactions on my Wells Fargo account. 
I reported to your customer service that my wallet, containing not only my identity but also crucial account information, had been lost. Subsequently, the person or people who gained possession of my wallet managed to drain all the funds from my accounts by transferring them to another country. To my shock, they even visited one of your Wells Fargo branches to withdraw cash, an action that was promptly refunded by the bank. 
As a XXXXXXXX, my financial situation is consistently tight, prompting me to diligently monitor my accounts. Upon discovering these unrecognized and unauthorized transactions, I immediately reported them to Wells Fargo in an effort to stop any pending transactions and secure my account. 
I am disheartened by the denial of my dispute, as I believe the bank has a responsibility to protect its customers from such fraudulent activities. The unauthorized use of my funds has significantly impacted my financial stability, and I had hoped that Wells Fargo would take the necessary steps to rectify the situation. 
There may be a history of transactions with the mentioned merchant, the specific charge in question must be concerns about unauthorized access and potential compromise of my debit card information. It's important to stress that even with a history of transactions, this particular instance is being contested based on the circumstances surrounding the unauthorized activity and my genuine belief that it poses a security risk to my account. I would reiterate my willingness to cooperate fully in the investigation and provide any necessary information to support my dispute. 
I kindly request a thorough reconsideration of my dispute, taking into account the circumstances surrounding the loss of my wallet, the unauthorized transactions, and the subsequent financial strain I am facing as a result. 
Your prompt attention to this matter is crucial, and I trust that Wells Fargo will uphold its commitment to ensuring the financial security of its customers. 
Thank you for your understanding and cooperation.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NY)

I opened an account and deposited {$10000.00}. I then travelled. While traveling, I became ill. A debit card that was sent to me was lost. The bank then froze my account and refused to return the money. They have engaged me in lengthy conversation that have taken up to sixteen gourds of times. They have submitted me to painful humiliating conversation. They caused me to miss opportunities, miss trains which caused me to not be able to return to y resting place and stay in the street all night. They have led me to exhaust my phones battery again and again so that I have been in vulnerable, dangerous situations. If I am robbed tonight its because I have been stranded and lost in an isolated place because of their abusive, exploitative, irresponsible and inhumane policies. The refused to take my medical condition, my geographical, my gender and consequent into consideration. They refused to allow me to speak to a supervisor and repeatedly disconnected me causing me to have to call back again and again and again. I have been forced to call at least 26 times today. They have inhumane policies that they claim prevent them from helping me expeditiously.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

On XX/XX/XXXX, I purchased a {$200.00} virtual Vanilla gift card from XXXX with order # XXXX. 

I forgot about the card and tried to use it this past XXXX, XXXX however, the card had expired on XX/XX/XXXX. On Vanilla gift card 's website it says vanilla e-gift cards don't expire for 9 years. I called and Vanilla would not re-issue me a new card and told me I had to talk to XXXX. I contacted XXXX and they asked for information. It took over a month to get ANY kind of resolution and they remarked that I had to speak to Vanilla. I am troubled by both XXXX and Vanilla Gift 's card response to me. 

I have attached the gift card, screenshot of the order, and the information on Vanilla 's own website of the expiration of gift cards. 

Thank you
Consumer complaint received 2016-04-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

I checked my credit report and saw a {$250.00} collection from Collection Consultants from XXXX. I called XXXX and I guess there was a mistake with the billing as I was covered at the time. XXXX confirmed these would be taken care of and the collection would be recalled from Collection Consultants and deleted from my credit reports. As of today, it is still there. I contacted Collection Consultants who told me I need to pay them. XXXX has confirmed these are closed and recalled from the agency and would be deleted from my credit reports.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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

Account Name 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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (MD)

The Money Source Inc. transferred our mortgage to another servicer. They then reported our account as delinquent for over 30 days even though we no longer have an account with them. 

They failed to correct the issue after claiming they would. 

Then they failed to address the issue when I called in again.
Consumer complaint received 2024-02-19
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. (WA)

XXXX XXXX keeps changing the first delinquency date on all three credit agencies keeping this old loan on all three credit files when they should have removed it. 

As you can see, XXXX reported a 1st delinquency date of XX/XX/XXXX, which is fraudulent, as the 1st Delinquency Date was XX/XX/XXXX. 



XXXX XXXX also committed a fraudulent act, after I paid off the vehicle, they attached additional fees, and the moment I paid them, they reported that money as a paid charge-off to all three credit agencies. 

I originally went into the local XXXX XXXX  XXXX, XXXX  on XXXX XXXX XXXX. Branch and paid off the balance in full on XX/XX/XXXX. As you can see they did not apply the full payment. I went back on XX/XX/XXXX and paid {$1.00} to cover the balance of {$.00} cents. 

Then after all that XXXX Bank would not send me my title, they added additional fees and had me pay another {$200.00} and some change, only then would they mail me my title, which I finally recieved at the end of XXXX, XXXX.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XX/XX/2023 Social Security Number : XXXX Loan Amount : {$16000.00} It has come to my attention that negative items are being reported on my credit to XXXX, XXXX XXXX Equifax XXXX and XXXX XXXX without my consent. Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802.

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life.

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 



15 USC 1681 section 602 A 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 accounts without my written instructions.

1. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 2. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 3. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX  Account Number : XXXX please update all late payments, all payments was made on time 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. The following account is not mine XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

6. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

7. 15 USC ( 1666b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments were made on time I SENT OUT DISPUTE LETTER TO REMOVE LATE PAYMENTS BECAUSE Under 15 USC 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. 

Also, I DISPUTED ACCOUNTS THAT WERE NOT MINE, AND CREDIT BUREAUS STILL LEFT ON MY REPORT AND DIDN'T COMPLY WITH THE FEDERAL TRADE COMMISSION
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Nationwide Biweekly Administration, Inc. (CA)

Dear Sir I purchased my home in XXXX XXXX CA. in XX/XX/2015 XX/XX/XXXX after making my mortgage payment I signed up with Nationwide after being told I would be paying my house off much sooner and even reducing the interest on my loan. I was told that my only cost would be {$3.00} after each debit payment. 
After signing on with Nationwide I received some information however did NOT receive a copy of our agreement. 
XX/XX/XXXX I received an e-mail from Nationwide stating that they were being force out of business, and would no longer be making my bank payments after XX/XX/XXXX. At this time I have an excess of {$700.00} that had been withdrawn from my bank account. 
I called Nationwide this morning and after over an hour of waiting I was finally able to talk with a real person. 
I was told that I would not be receiving a refund that my {$700.00} was a Setup fee. 
I ask the lady that I spoke with to send me a copy of our agreement, since I had never received one, which she did comply with. 
Even though I was told that my only costs were the {$3.00} bi-weekly fees associated with the bi-weekly withdraws from my account. 
As you can see from the agreement that was sent to me this morning, there is a Setup fee which for me is {$700.00}. 
It also shows that no moneys extra will be paid to my principal balance. 
Now tell me, why would anyone ever agree to this? 
I am hoping that you will be able to help me or at least help me contact someone who can. 
I am XXXX years old and can not afford to lose this money.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX. Account XXXX XXXX XXXX Account number : XXXX This accounts is written as a charge off on my credit report and I never received any of the 1099 cancel of debt forms from original creditor and because of that this account is inaccurate and needs to be removed immediately if the account was written off by the creditor this means that the account is an taxable income and is paid off and that there should be an XXXX balance on the account and it should be removed from my credit report immediately thanks