davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (GA)

I paid my mortgage on time every month. My original mortgage company - XXXX XXXXXXXX XXXX  - sold my mortgage to a new mortgage company - XXXX. They claimed a notification was mailed, for which I never received! Believe it was sent to an incorrect address? I continued paying my original mortgage company every month. On the third month, the XXXX XXXXXXXX XXXX company returned my mortgage payments in full. When I discovered this, I contacted them to understand the problem. That is when they informed me of the sale. 

I then contacted the new company - XXXX, to learn of the correct payment details, explained what happened, and made remittance of the 3 months of missed payments. 

I thought everything was fine, as I continue to pay my mortgage each month on a timely basis as always. I then discovered that my credit score had dropped dramatically. Further learning this was caused because the new mortgage company reported the error payments as 3 months late. 

I have made numerous attempts to resolve this with XXXX, having contacted them on at least 5 occasions, but have become frustrated with excessive waiting times, and phone transfers without anyone willing to review and address my issue? In XXXX, they did review the credit issue but failed to follow up. Then on my last call ( XX/XX/XXXX? ), they told me I needed to start all over again, which I did. The manager said they will review and fix the issue, but to date this still has not happened. 

The credit reporting companies are insisting I need to provide a letter from my new mortgage company that retracts the complaint and allows me to correct my good payment record. I feel I have been pushed in circles and do not know where to turn to fix this problem. Can you help? 

Reference : XXXX XXXX XXXX XXXXXXXX - account # XXXX XXXX - account # XXXX
Consumer complaint received 2020-07-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NV)

I was dealing with a financial crisis and I got into a bad situation but I made everything right by paying everything off and I was informed by doing so the creditors were going to update the 3 credit Bureau 's to " paid as agreed '' but they haven't yet and its hurting my financial future.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (UT)

Synchrony Bank/Ashley Homestore is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Synchrony Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Synchrony Bank please take leniency on my hardship and remove any 2020 lates as a one time goodwill adjustment.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America schemed to collect insufficient fund fees by processing a large withdrawal that was submitted after a number of smaller withdrawals which caused all of the smaller withdrawals to be insufficient. All of the fees are in XXXX 2021. 

I am 100 percent VA XXXX and deposit these funds in my BOA account. I paid all of my household bills and thereafter drafted one large amount. Even though all of the small amounts were processed before the one large amount, the large amount was deducted first causing 14 {$35.00} insufficient fund fees. Many of these fees were the result of small bills being processed numerous times. 

I have been a BOA customer for over 26 years and even though they waived fees from the previous month, they also setup processing that maximizes their ability to erroneously collect these fees. 

I explained that a close family member was just diagnosed with stage XXXX XXXX and along with XXXX difficulties and they were still unwilling to assist with a problem they helped cause.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

I already have an existing claim on this issue but Im filing another claim because Chase has now I guess youd say has takien revenge. In a month and a half they have done three escrow analysis. The first one done early XXXX and one done late XXXX showing the overage of {$4500.00}. That check was supposedly mailed to me twice which is why they did the analysis twice. I have ecopies of the statement showing the voided check. I never got it which is why they did it twice. And now, after I filed a complaint, which, by the way, the individual at chases executive office called me one time, gave me her contact information and I called her back XXXX times with no response. Now all of a sudden, since I filed a complaint, they did another escrow analysis for no reason, and mysteriously my tax payment has now increased enough to where I dont get an overage. Amazing that in a matter of two weeks and three escrow analysis, all of a sudden the money that Chase owes me is now going to the state for property taxes. Explain to me how XXXX county just miraculously selected my property to do a random tax increase AFTER the new year analysis had already been done last month, and yet they raised the taxes for me after I filed a formal complaint against Chase. So odd. This is completely illegal. I reached out to the city of XXXX County and Ive looked up my projected taxes and they are NOT what Chase is claiming inthis 3rd escrow analysis. What Chase is doing is theft and fraudulent. Just amazing that the amount that they came up with this time completely zeroed out the escrow account versus them sending me the money that they sent me just two weeks ago and two weeks before that. But again, miraculously, I didnt get those statements. Got my mortgage statements so clearly the mail is working. Seems to me as like there might be some huge scam that Chase is working with peoples money in there overages. They will not call me back. They will not respond to their actions. They have stolen my money. Do you know the financial institutions right now? Really arent looking too well in the news. Id be more than happy to contact the local news here and let them know what XXXX is doing, and then you know I bet people might make a run at chases banks. Theres a lot of people in Arizona the bank with Chase. Probably wouldnt be best for them. But if I dont get some responses and I dont get my money, I will be more than happy to bring this to the attention of the media.
Consumer complaint received 2023-06-26
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. (FL)

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. 

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 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 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 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There were alot of errors on my credit report. I submitted a dispute addressing the errors but after submitting the letter the accounts were verified.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

Submitted a refund request of XXXX payments made throughout the COVID-19 pause for a total of {$5000.00} on XX/XX/XXXX. Already submitted a CFPB complaint few weeks ago and Great Lakes replied back to me asking me to be patient with no ETA given. Called Great Lakes today on XX/XX/XXXX for an update of my refund request and was told it was still processing but the REP told me to cancel the initial request and resubmit it due to " new guidelines '' for how they sent out refund requests. The REP told me the Department of Education might have overlooked my request so resubmitting it might be faster. Before I gave her my permission to resubmit it she already comes back to tell me " Don't worry it's already resubmitted. '' So now my refund request is supposedly submitted on XX/XX/XXXX instead of XX/XX/XXXX. Now I feel like I am back to stage 1 behind everyone else? How is that fair? And what's the reason behind it? Each time I call Great Lakes the REPS gives me a different answers. Don't even know who is lying or not anymore. I've been told by various students/ex students who have their loan balance reinstated and refunds already processed or received and they requested early XXXX later than my initial XX/XX/XXXX request. Some Great Lakes REPS said it's processed in the order it is received but other REPS are telling me it is done by no random order? So which one is true? Who is lying and who is telling the truth? What they are doing it's unacceptable!!! The reps are nice but sorry to say they seem a bit clueless. I called 3 times in 1 day and each one have something different to say? What gives? Nobody in the Great Lakes department is on the same page at work.
Consumer complaint received 2023-03-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I disputed " XXXX XXXX XXXX XXXX '' on XX/XX/23, XX/XX/23, and XX/XX/23. explaining how I wanted the item erased off my report along with the late payments that are illegally reporting on my report and causing me hardship, only to not get any results. On top of the account being closed I DEMAND that it gets DELETED!

According to 15 U.S code 1861b PERMISSIBLE PURPOSE OF CONSUMER CREDIT I never gave any permision to report on my consumer credit report. so I want it DELETED because of this clear violation of my rights According to 15 us code 1666b ( Correction of Billing Error ) Transunion is illegally reporting transaction on my consumer report These are Laws Put In Place by the FCRA. I want a copy of the Reports after the updates, and I will be sending my Invoice for the {$1000.00} violation once it is removed.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, I was looking for a job on XXXX XXXX  and wound up in a fraudulent check scam. I was a victim of A XXXX XXXX  scam where you apply for a job, give your info for contact purposes. This was in XX/XX/XXXX.Without my knowing I was sent a check.I was given instructions and check was deposited on XX/XX/XXXX for the amount of {$5500.00}. Check was issued from XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX. Check turned out to be fraud and my account closed. 

Around XX/XX/XXXX to XXXX ( XXXX ), I sent 2 letters. One to Bank of America Research and  adjustments, XXXX XXXX XXXX, XXXX texas and the other same copy was sent to Bank of America Disputes office, in XXXX, florida. On XX/XX/XXXX, I filed a complaint with the Federal Trade Commision against XXXX, XXXX XXXX XXXX, because the check came from the them. The reference number is XXXX, you can do a foia request like I am doing now. 

In XX/XX/XXXX i tried to open an account at XXXX and found out I owed a balance. On XX/XX/XXXX when became aware of the XXXX balance it was paid. To this day i can not open an account to do basic banking. I did everything BOA asked me to and yet they will not remove the high risk assessment on XXXX. 

From XX/XX/XXXX I have made 2 complaints to XXXX  to investigate and they have done nothing but sided with the bank.In XX/XX/XXXX, I filed Consumer complaint with Illinois AG, that is still on going. 

On XX/XX/XXXX I called BOA and got to " complaints department '' and they told me if I would of Filed a dispute, informing them of XXXX   scam it would of never been put on my report. When he gave me the address to the disputes department in Florida, I realized the address was familiar and told him I sent in a complaint already to the address and you guys did this to me. On XXXX the XXXX & XXXX XXXX, I sent 2 letters to the disputes department in XXXX XXXX florida with the XXXX emails thread and police report, and let them know how foul they are, and that their banking practice are XXXX. I filed a complaint with the illinois AG in XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX ( resolution specialist ) sent a letter stating they decline in removing the negative reporting on XXXX. They also Claimed that I never filed a claimed in the letter. 

On XX/XX/XXXX, i spoke to complaints Dept, and they went over the notes regarding this and told me that the risk department can help me and remove it today. i was transferred to Risk department and when that operator spoke to me and went over my file he was going to get his supervisor to removed, they put me on hold for 10 minutes, when they came back the operator told me things are staying as they are on my record.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There has been a card opened up on my credit report that just showed up today. The card was dated as being opened XX/XX/2021. I contacted capital one bank and they could not find the card in my name but it is showing on my credit report.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (PA)

My Lexis Nexis report indicates that XXXXXXXX XXXX XXXXXXXX XXXX ran XXXX inquiries on my report on XX/XX/2023. At this time, my file was frozen. 


XXXXXXXX XXXX XXXXXXXX XXXX didn't have my permission to request a report
Consumer complaint received 2022-07-31
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. (DC)

I called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX  XXXX XXXX. The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file.

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2020-07-08
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: Collection Information Bureau, Inc. (FL)

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX   XX/XX/2020 about inaccurate information on my credit report XXXX XXXX XXXX  {$290.00} Outdated XXXX  XXXX XXXX  {$1300.00} Outdated DOCTORS BUSINESS BUREAU {$180.00} Inaccurate
Consumer complaint received 2023-06-26
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. (TX)

i sent letters to the 3 CRAs ( XXXX, Equifax, and XXXX ) on XXXX, about reporting inaccurate and incomplete information on my credit report. Per 15 USC 1681, all information being reported must be 100 % accurate and complete before reporting or Deleted. I have attached copies below
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, 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 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Specialized Loan Servicing has been servicing my mortgage and I have auto payments set up monthly. In XX/XX/XXXX, I made an electronic payment of {$12000.00} to be applied as an advanced repayment of principal. SLS failed to apply that properly. They applied XXXX toward my XXXX amount due, even though that had already been scheduled. 

I called in XXXX and they told me the correction would be made. It has not been made. 

Meanwhile, I received a note that they are transferring servicing to XXXX. I called today, XX/XX/XXXX and spoke with XXXX, teller ID XXXX. She noted that the correction had not been made and they had no record of my request. She put in a new request under ticket # XXXX. 

Before speaking to XXXX today, I also spoke with XXXX to verify whether my auto payment scheduled for XX/XX/XXXX would be transferred over to XXXX. She said it would not be, which was the opposite of what was stated in the " notice of service transfer ''. I escalated the question and XXXX informed me XXXX was wrong. 

My experience with SLS is that their agents give incorrect information and do not apply payments as they are legally required to do.
Consumer complaint received 2021-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC (WI)

I received an alert today XX/XX/2021 about inaccurate information being placed on my report. This caused my credit score to drop significantly and I am highly upset, especially seeing as I have never heard of this company and have no business with this company. I am filing a complaint due to this company Professional Placement Services placing an account on my credit report before giving me a chance to dispute. I received a dunning letter from this company last week but the letter is dated XX/XX/2021 ( it's almost as if the letter was sent to me late on purpose ) and in the letter it states I have have 30 days to dispute the debt. Well it has not been 30 days and this company chose to place inaccurate information on my report before validating the debt. This is a violation of my rights and per the FDCPA I am allowed to seek damages up to {$1000.00}. I will also be filing a complaint with FTC, XXXX, my states attorney general office and whoever else I need to if this matter is not resolved. I want this account deleted from my credit report immediately!