davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
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)

In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX XXXX  Account # XXXX, DEPTEDXXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

I sent a factual dispute directly to Suntrust Bank. The address shows on my credit report, but yet can not be disputed. That is a violation of my FCRA rights section 623 disputing directly with the furnisher.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NJ)

I opened a Chime bank account on XX/XX/24 to place a 401k loan into the account to pay for XXXX. Once I set up the transfer from my XXXX XXXX bank chime locked my account and stated they required further documentation, which I have supplied them. My account is still locked and I am unable to access my account to close and cancel the account. They also continued to take money from my XXXX XXXX account after locking the account and therefore overdrafts my XXXX XXXX account. I am still unable to have the account closed or unlocked. The documentation requested is completely unnecessary as I have submitted the required info. Chime bank refuses to provide me the instructions to close account and only continues to write that there is nothing they can do.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

Mohela loan servicing allows you to start an auto-pay, but then hides the fact that your next payment must be made manually. After setting up auto-pay, one will receive an email three days later indicating that auto-pay is set up, but must access their messages portal within the Mohela account itself, then download a document and read it to see that you " may '' need to make your next payment manually. There is no easily found indication elsewhere of this, and no decent establishment has such a rule that I know of. I set up my autopay weeks before my first payment ( XX/XX/XXXX, first payment due XX/XX/XXXX ). 

I found out my first payment wasn't automatically made 5 days after it was due. There was no message that it was coming due, nor a reminder that, despite the meaning of auto-pay, the auto-pay wouldn't work the first time. 

After realizing this issue, I immediately made the payment and asked them to backdate it. They replied, well over a month later, and stated auto-pay wasn't set up until XX/XX/XXXX. Obviously untrue, I replied and asked them check their database, including the messages their system had sent me. They have never replied. 

I recognize this complaint will likely not go anywhere, but I do believe that a loan servicer, holding five-or-six figure debts for XXXX XXXX XXXX  of people, making money hand over fist for doing nothing of value, should be held to higher standards than this.
Consumer complaint received 2022-08-14
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. (AK)

In accordance with the Fair Credit Reporting Act, the below company has violated my rights. 

XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

In accordance with the Fair Credit Reporting Act, the below company has violated my rights. 

XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against my student loan servicer, MOHELA, for their failure to properly manage my Public Service Loan Forgiveness ( PSLF ) payment count. This complaint specifically addresses MOHELA 's erroneous categorization of the payment period of XX/XX/XXXX, which was under administrative forbearance, as ineligible for PSLF credit, a clear violation of the regulations outlined in 34 CFR 685.205.

Despite the clear guidance on the treatment of administrative forbearance periods in the context of PSLF, and the obligations of servicers as underlined in the Consumer Financial Protection Bureau 's report, MOHELA has failed to adhere to these standards, leading to a significant misrepresentation of my eligibility and progress towards loan forgiveness ( Consumer Financial Protection Bureau, XXXX ). 

Prior to contacting your office, I initiated communication with MOHELA through a formal letter sent on XX/XX/XXXX, demanding an immediate review and rectification of my PSLF payment count. The gravity of MOHELA 's error and its potential to inflict long-term financial damage necessitates the intervention of the Consumer Financial Protection Bureau XXXX 

Enclosed, please find copies of all pertinent documents, including my initial letter to MOHELA, any responses they have provided, and detailed records of my payment history and the administrative forbearance for XX/XX/XXXX. 


I am confident in the Consumer Financial Protection Bureau 's commitment to ensuring fair treatment of borrowers and anticipate your prompt action in addressing this complaint. Thank you for your attention to this urgent matter.
Consumer complaint received 2023-12-19
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: Experian Information Solutions Inc. (CA)

At the time of purchase, our original mortgage was with XXXX. 
On our original loan, we were making payments on time regularly. 

We were made aware in XXXX of 2023 via mail from XXXX that impounds were being incorrectly calculated by XXXX while they held the loan. 

XXXX was now assuming our loan from XXXX, but XXXX noted that XXXX should have been applying approx {$900.00} to the impound account rather than the {$500.00} they had been applying for quite some time before selling our loan to XXXX. 

XXXX insisted I pay approximately $ XXXX immediately to bring the loan into compliance, and to avoid delinquent reporting. 

Although this large unexpected expense was a severe hit to our budget, we complied. 

To have a blank slate, and to avoid further confusion as to where monies were going, we created a new bank account with XXXX for any future mortgage payments. 

We made the update of the new account on their secure website. 

We did not take a snip-it/screenshot of the confirmation since it would be recorded on their site. 

Though we had made this change, XXXX continued to auto-deduct from the original bank account but said we were not making the payments. 

We had the confirmation we were paying via our XXXX personal banker 's records. 

Upon our informing XXXX of this, XXXX stated that there was a glitch in their system, yet chose not to correct their error. 

This latest error ( " XXXX '' ) was only discovered when the city sent us a tax bill claiming non-payment of the very same taxes that were rolled into our mortgage. 
We were fuming now! 

This is how we learned of their error in not allocating our payments correctly. 

All of this was taking a huge toll on our budget in addition to XXXX taking my spouse out of work as well. 

XXXX sold our mortgage to XXXX, and we continued to make our payments as directed. 

We feel that we were improperly informed of factual changes and errors that put undue stress and hardship on our family. 

XXXX. The new assessment for the house. 
XXXX. A subsequent tax increase. 
XXXX. Disclosure of newly allocated monies regarding principal, interest, and taxes. 
This coupled with the fact that they were not making payments to the taxes, and not applying the appropriate funds to the correct places. 

By now, we were so very happy that XXXX sold our account but they never applied our last payment they had pulled from the old bank account, kept the funds, and reported to XXXX that we were 2 months behind, ( which was an untruth ) This forced us to make payments totaling 3 months ' payments to XXXX to rectify the mistake of XXXX. 

We never got any more refunds or information detailing the payment they had taken.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I had a car with credit acceptance. The car was totaled in a tornado. My insurance paid a portion of the balance and they provided me a settlement. I was 30 days late..I agree with that. I paid the settlement in full and after I paid the full amount they reported to the credit bureau that I was 60 days late. They reported that 3 weeks after I made the final payment.
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WA)

I was a victim of bank fraud by Wells Fargo several years ago but was able to sell the house the loan was for. The second time was a mortgage loan originated by a local bank in Idaho called XXXX XXXX who immediately sold to another bank which was XXXX Bank. The loan was a derivative meant to force foreclosure since my debt to income ratio was way too high w't even make sense or respond to the appropriate account details.ay too high and the bank should never have approved the loan. This loan was my mom and dads house which I had XXXX third interest in and also had {$26000.00} for a down payment to get a lower interest rates and affordable monthly payments. All my complaints and questions were never addressed adequately even when I sent tangible documents to prove my case all the way through both banks system but there was no one accountable and my serious complaints were ignored answered by various form letters that didnt refer to my account detail and did n't even make any sense. I lost almost everything I worked my whole life for due to the financial breakdown. The banks were all stealing my money and no one would help me and I could n't afford a high priced attorney and even if I could what lawyer is going to stand up against the tremendous power the mortgage lenders had on everybody. Although I was able to reaffirm the loan I still have on my mom and dads estate, I owe way more than the house and property is worth. I had to move out and get it rented to cover the mortqage and equity loans I had to get to pay all my bills. XXXX mortage and equity loans are through XXXX Bank they had me set up so I was robbing XXXX to pay XXXX ( so to speak ) I had to move back to XXXX State and request XXXX for the first and only time in my life at XXXX XXXX XXXX it was a tremendous strain on my pride and self-respect. Even now I still suffer high insurance premiums and large deposits for rental housing, power and other utilities. Would you kick a suffering dog when he was already down?? That is what it feels like to me. I have no more options or funds to continue this fight just trying to pick myself up from the bottom and start over.
Consumer complaint received 2016-09-09
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

My parents have a reverse mortgage with Wells Fargo. My father has past and my mother is now in an assisted living facility. We have worked to return the home to Wells Fargo through the Deed and Lue process and now through foreclosure. It is my belief Wells Fargo has completed numerous acts to delay this process so they can continue to collect interest on the loan which would affect the Federally insured loan. This process has gone on for almost 2years.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am submitting this report to formally state that I have been a victim of identity theft. Recently, I discovered unauthorized activities and transactions that I did not initiate or approve. This includes inquiries and financial obligations in my name that I was completely unaware of. I have never shared my personal information for the purposes that these fraudulent activities suggest, nor have I consented to any third parties to use my identity in any form. I have taken steps to secure my accounts, including changing passwords and notifying financial institutions. I am actively monitoring my credit reports for any further suspicious activity. I request that the fraudulent entries be investigated and removed from my credit report to reflect an accurate credit history. This situation has caused significant stress and potential financial harm, and I am eager to resolve this promptly and prevent any future occurrences of identity theft.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (OH)

XX/XX/XXXX a consumer report with information furnished by XXXX was disputed. XXXX expressed that they would contact the companies reporting the information and instructed them to review and verify the accuracy of the information, provide a response and update their records / system as necessary. Based on the response from the companies XXXX deleted some but not all of the disputed information leaving alleged certified information determined by the companies furnished on the consumer report despite the verification/ certification from the consumer. XX/XX/XXXX another consumer report was investigated with finding of disputed and inaccurate information furnished on the report which has caused damages to the consumers financial reputation and credit worthiness. The consumer was denied credit extension for family and household purposes due to the inaccurate furnishing.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear CFPB : Please look at the recently closed complaint XXXX. It was closed prematurely I checked with SPS today and now they are showing I have a negative escrow. 

This is not correct as they have never disbursed any escrow funds. They have collected from me {$1100.00}. They never sent me a refund. 

They were supposed to pay my taxes They did not I paid them along with the delinquent fee. There prior letter does not reflect their intention to reimburse me for the tax delinquent fee This has not been resolved and it is over 45 days
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/2023 I deposited an insurance check into my checking account with Regions. I decided on XX/XX/2023 to transfer {$20000.00} from my checking account, which had a bank card attached to it, to my Personal account, as it appeared on my Regions banking app. I had no reason to believe the Personal account on my app wasn't my account because I had never given anyone authority to be linked to my Regions account. On XX/XX/2023 I wanted to transfer {$1000.00} from Personal to my checking account and I couldn't find the money on the bank app. I called the phone number on my check card and they directed me to go to the closest branch immediately. I did so and reported a fraudulent transaction. Regions employee XXXX XXXX looked up the information on the account I transferred the money to, that was linked to my account, and asked me if I knew XXXX ( with several last names ). I said no and I was told a fraud investigation would be started. I filed a police report ( # XXXX ) on XX/XX/XXXX with the XXXX Police Department ( TX ) and advised the Regions branch of the police report number. I was told the woman to whom the account belonged to stated that I had ordered XXXX XXXX in balloons from her, even though she is in the XXXX, FL area and I'm in the XXXX, TX area. The bank denied my fraud and did not remove her access to my account. My Regions branch manager, XXXX XXXX XXXX , told me that she was not having any luck getting a hold of the XXXX FL branch manager to discuss this fraud.
Consumer complaint received 2022-08-05
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: Amsher Collection Services, Inc. (PA)

Amsher, a debt collector, has reported a debt for XXXX XXXX XXXX  on my credit report. I have no relationship or debt with XXXX XXXX nor have I received any communication related to this debt. It just showed up on my report. I disputed with the credit reporting agencies and it was confirmed accurate by the reporter. It is not my debt. I dont know what it is for. I have a fraud alert and freeze on my credit report for over a year and was never contacted by charter communications to confirm my identity if someone fraudulently used my information. This is not my debt.
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I initiated a consumer credit transaction at the end of XXXX to obtain a credit line increase. On XX/XX/XXXX, I received an adverse action letter from Capital One, discriminating against me. I have attached my response letter as well as supporting documentation regarding this complaint.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

Hi. there! 
Thank you so much for setting this window for us to tell our complaints! 

" XXXX XXXX is a partner of Wells Fargo, and it's credit card, but it also has the " make rent payment '' feature, which could earn reward points, and the rewards will be automatically adopted in your next rent payment. " This is the most reason attracts me to use it make my rent payment. 

On XXXX XXXX XXXX, I uses my XXXX XXXX XXXX to make my apartment payment. At the same day after I submitted the payment, an email from XXXX shows the payment was made successfully, and later on in the XXXX app, the payment history also shows everything in normal, and {$40.00} points was also adopted automatically in this payment. Based on this, I thought everything should be fine at this time. The reason I was so cautious on this because there is a bad experience with them before, on XX/XX/2023, the credit card had failed on me once, and it caused me lose {$50.00} inconvenience fee in the leasing office. Since the failed payment was informed to me in time so that I was only charged {$50.00} by the leasing office. However, at this time, it failed me again until 4 days later, the leasing office people come over hand me a delay fee plus inconvenience fee, which was total {$170.00} like. Ridiculously, I didn't receive any email to inform me about the failed payment before leasing office came over. 

After the same thing happened twice on me with the same stupid credit card, I now really can not pretend nothing happen, and I can not losing money for this kind of stupid thing again. 

So far, I already talked with them over 12 times on the phone, but they denied my reimbursement request, and their excuse is that I didn't turn on the key button while using it to make rent payment. The question is where is the key button, and why do we need to set a button for making a payment? I don't even know this feature before. if it has, then they should turn it on when the first payment failed on XXXX, how come they let it in off status until the second payment failed again? Plus, if the button is off, and why their API system didn't email me at the same day to avoid the unnecessary loss happen? 

Overall, the XXXX company has a lot of issues. By the way, the interest rate they charge also way higher than other credit card companies.
Consumer complaint received 2020-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL) (NC)

I called AR Resources XXXX XXXX after as credit dispute had been processed, I spoke to the rep that answered the call, he tried to verify the account using social security number, phone number, name and address but no account could be located. So he directed me to the supervisor which told me to call XXXX and get the account numbers. So on XX/XX/2020 I contacted the supervisor XXXX XXXX at XXXX XXXX XXXX with the 7 digit account number which is XXXX {$390.00} and XXXX {$910.00} she stated no account could be found. I asked to get that in a letter and she stated since there was no account she couldn't send a letter. She told me to just dispute it. I have disputed these accounts several times now even with a paid credit repair company. The last report was XX/XX/2020 And the information was reported to be mines. This has been a on going issue and has stopped my efforts in getting a home.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

I have been paying American Express in time as agreed since XX/XX/2019. Now they are reporting my account as written-off because they have not been able to collect the payments. 
Each month I pay my loan and cc with them. 
I called them AND filed a dispute with XXXX  to no avail.