davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I had posted on XXXX app for furniture items sale as I was going to move out. One person contacted me on XXXX and asked me to send text to her husband 's mobile number about one of the items i had put on sale. The person wanted to buy this furniture item from me and agreed to buy all items I had put on in app for selling. He sent me Cashier 's check which included amount for furniture items I had put for sale and charges to be paid to Mover for movement of these furniture items. He asked me to deposit this check and once the amount is deposited to my account, make {$1500.00} payments to Mover with email ID through XXXX app. I insisted that I dont want to make any payments and hold his money as my move out plan was postponed due to travel restrictions. He asked me to make Mover 's payment and agreed to pickup furniture items once my travel plan is finalized. I deposited the cashier check and waited for it to be processed and next day it was processed and amount was available in my account. Based on understanding that cashier 's check has been validated by Bank, I made payment of {$1500.00} in 3 payments made in 3 days of {$500.00} each as per daily limit in XXXX app on XXXX. I received email from my Bank on XXXX that the cashier 's check deposited has been returned unpaid and my Bank deducted the cashier check amount along with some fee amount from my Bank account. Now when I tried to reach the buyer on 2 different numbers he messaged me from, he is not reachable. I called Bank representative where my account is, but they said they can not help and I asked them to cancel XXXX transactions so that I can get my money back but they said since I initiated these transactions, they cant help. I called Bank who issued Cashier 's check but they told that they can not help in revealing the information on why cashier 's check was returned unpaid over phone. I am feeling helpless now and request to get my lost money back.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Complaint regarding PHH Mortgage Services/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. Regarding payments not properly applied to account/payments put in suspense account not used for mortgage and continue to receive Notice of Default which is stressing me out. I requested several times request for payment history. XX/XX/2018 PHH Mortgage lost {$1000.00} payment money order/I sending payments certified with money orders from USPS so i was able to report for replacement-in XXXX i received the replacement and sent to PHH Mortgage {$2000.00} which was never applied to mortgage but put in a suspense account my payments should be on track/there should have been {$2600.00} in suspense account but XXXX continue to report payments behind and Notice of Default continue to be received/unapplied balance {$2000.00}. 
( I do have all the return receipts and USPS money order ( s ) receipts. I will upload at a later time due to i do not have the ability to upload at this time ) PHH mortgage/XXXX XXXX company not only lose payments but also misapply payments and default consumer for their incompetent handling of funds PHH Mortgage/XXXX is not honoring " Modification '' for life of the loan/GMAC Mortgage changed to Ocwen then to PHH Mortgage now XXXX XXXX. I have done complaint regarding this and it has not been resolved. 

This is affecting my family and I unnecessarily during this CoronaVirus pandemic PHH Mortgage/XXXX XXXX do NOT apply payments received correctly and is NOT keeping accurate records
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aargon Agency, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (SC)

ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (FL)

I began working with Freedom Debt Relief to consolidate my unsecured debt as I had run into much financial trouble through a series of bad events. I was told when I began with them to stop making any kind of payment to the creditors/accounts I listed with them, to begin depositing money ( a hefty amount at that! ) into a " dedicated account '', and that after 90 days of missed payment they would begin negotiating a reduced balance and interest rate. In more than 5 months they have only negotiated ONE account. I now have several accounts about to be moved as " charge offs ''. I have forwarded all communication with these creditors and asked repeatedly about why it had been more than 5 months and still no settlements, and many about to be charged off. their response each time was that I di not have enough in my dedicated account. I have researched what a charge off does to my credit ( they have never once told me a charge off would stay 7 years, and I have asked what it would do versus paying them monthly starting now ), and each of time Freedom has told me to let it go, and after the charge off they would negotiate. A charge off is too late and stays on my credit report for up to 7 years ( I have asked Freedom several times over the last 2 months about this )! I have one account that has already been charged off, and it was one of the smaller balances which they never tried to negotiate. I could have negotiated with all of my creditors based on the research and discussions I have now had with each of my creditors. All have stated once I agree to an amount and reduced interest rate directly with them, that the accounts would be reported as " being paid '' which is by far better I am finding out than a " charge off ''. Freedom has now put me in a position where I may never get my credit score back for multiple years, by stringing me along and skirting an real answers as to what this means to my credit, until the accounts reach the " charge off '' stage, all while holding my {$630.00} a month plus {$25.00} and some change fees, in their account, but not actually negotiating or paying anything toward my accounts knowing they would/wee not going to negotiate until after all accounts were at this phase, which was NOT how this was explained nor ever said or explained to me thats what they were doing every time I asked and forwarded the information about what each creditor was doing. I came to them for help with getting my debt payment negotiated and paid, they have put me in a much worse position and now holding enough money I could have paid several creditors with.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

Someone, somehow accessed my bank account and withdrew XXXX dollars. Chase Bank has refused to refund it and I have tried to contact them to no avail. I'd like the camera footage pulled from the ATM accessed to illegally withdraw my XXXX dollars on XX/XX/2020.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Purchased tickets to XXXX XXXX concert set for XXXX XXXX, from XXXX via my Capital ONe Credit card. XXXX cancelled this concert, I had the charge removed from my card and now XXXX ( who I also contacted ) said they will reschedule the concert in a year and not refunding my money.
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CT)

XXXX ... I am a XXXX and was approached by a " client '' named XXXX XXXX who said he was due an amount of money from XXXX for a wrongful termination of about {$120000.00}. He gave me the email of the person who he claimed was XXXX XXXX at XXXX. He signed a retainer agreement with me and provided the " settlement agreement '' with XXXX. I got XXXX to send a check which was supposed to include legal fees and interest and they sent a " cashier 's check '' to me by regular mail, not XXXX  ( the usual way you would send a check of that amount ). It was written on a Citibank account. But when I brought it to XXXX  XXXX XXXX to deposit, my bank told me it would not " scan '' and that I should be careful and have them wire the funds to me. I then tried to call Citibank to verify that it was a good check but because of Covid, no one could find the right person to answer my questions but the few that talked to me indicated that it would not have a cashier check no on the top right AND an account number on the bottom. I then looked at the emails again and saw they were using XXXX instead ofXXXX and then realized it was a scam. XXXX XXXX told me he was traveling to XXXX to buy drugs to set up a lab to make a Covid vaccine. I have the original check, envelop that went through the U.S. Mail, emails, settlement agreement and retainer agreement he signed with me, and documentation of all phone calls. He is now pressing me to wire him the money which of course I will not do.
Consumer complaint received 2020-04-24
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)

I have checked my credit and found many accounts that I know are a result of identity theft. I do not know if it is from a breach but I know that the accounts on there were obtained by someone other than me without my approval or consent. I do not even know what these accounts are even for. Please help me get to bottom of this and back to normal.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

PORTFOLIO RECOVERY ASSOCIOTES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-04-24
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I see multiple 90-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I wrote a dispute letter to Transunion regarding an invalid collection account that is reporting on my credit reports. Specifically, the letter reads the following : Dear Customer Service Representative, I recently viewed my credit report and see you are reporting incorrect information. 

I never had a collection account with XXXX Acct # XXXX. Please delete this account from my credit report and send me an updated copy showing the results. 


As of XX/XX/XXXX, I have not received a response from Transunion.
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

We have a mortgage with CHASE with Loan # XXXX for our homestead property. 

We received yesterday a letter from CHASE letting us know that they have sold our loan, and it is been transferred to XXXX XXXX XXXX ( XXXX ) starting XX/XX/2020. 

We review online XXXX and found that XXXX XXXX XXXX is a loan servicing company based in XXXX XXXX XXXX, Utah, with an additional office in XXXX, XXXX, XXXX is not accredited by the XXXX XXXX XXXX ( XXXX  ) and has received hundreds of complaints for billing/collection problems and potential FDCPA violations. 

Immediately we call CHASE customer service ( XXXX ) spoke with XXXX XXXX and ask them to please dont go ahead with this transferring of this loan in this particular moment with the COVID-19 that is affecting everybody and we are loosing income, and in case that we are not going to be able to pay the mortgage in the near future, by sure the investor XXXX  is not going to help us with this matter as CHASE is able to do it, and has done in the past when we were affected by a hurricane and CHASE allow us to defer some payments. 

Our complaint is that the CHASE is not taking care of their customers in this COVID-19 time, they are choosing the worst moment to sell our loan and let us unprotected in difficult times, and we are really on panic that this transferring of our loan may conduct to a future foreclosure of our home Attached please find letter received from CHASE wit this disturbing announcement to us.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I had my student loans consolidated. The consolidation included loans/account numbers XXXX and XXXX. When the loans were consolidated into a new loan the old loans that are apart of the consolidation remained on my credit report. The old loans should all be removed and only the newly consolidated loan should be on my credit report. The old loans still being there means these are all duplicates and for the accounts to be duplicated through out my reports is a violation of the fair credit reporting act The federal Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer.. I would like for the old loans to be removed ASAP.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (SC)

I had my student loans consolidated. The consolidation included loans/account numbers XXXX and XXXX. When the loans were consolidated into a new loan the old loans that are apart of the consolidation remained on my credit report. The old loans should all be removed and only the newly consolidated loan should be on my credit report. The old loans still being there means these are all duplicates and for the accounts to be duplicated through out my reports is a violation of the fair credit reporting act The federal Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer.. I would like for the old loans to be removed ASAP.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PlusFour, Inc (NV)

I had a car accident  on XX/XX/XXXX, needed XXXX XXXX  done, got an attorney, XXXX XXXX was paid and my case was closed. On XX/XX/XXXX - six years later, I received a bill from Plus Four , Inc. saying I owe {$310.00} to XXXX XXXX. My attorney  paid XXXX XXXX {$1600.00}. I called Plus Four Collection agency and asked them to note my account. In XX/XX/XXXX, I received a credit card statement showing my credit score dropped 130 points. When pulling my XXXX  credit report, it shows Plus Four Inc. entered a {$310.00} collection on my account for XXXX XXXX in XX/XX/XXXX. Seven years later ... .with no notice to me. I have not received any written correspondence or phone calls. This debt was paid and should NOT be on my credit report.
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

On XX/XX/2020, I received a collection letter from Credence Resource Management LLC, alleging that I owe a debt that they are trying to recover for {$1200.00} and stating that creditor has authorized their office to accept a payment in the amount of {$450.00} to resolve the debt. The letter indicated XXXX XXXX XXXX XXXX was original creditor. I wrote a letter to them dated XX/XX/XXXX which I certified mailed them and in which they received on XX/XX/XXXX ( within 30 days after I received their letter ). I indicated to them that I NEVER had XXXX XXXX XXXX  as my provider EVER in my entire life and I asked to send me some verification of debt in any form such as contract or application or statement allegedly relayed to the debt or signed receipt. To this date they have not provided me any validation of in any form and neither they responded to my certified letter that they received on XX/XX/XXXX. I sent another certified letter on XX/XX/XXXX, seeking explanation of this fraudulent account and they didn't respond back but they immediately reported this fraudulent account to all to all 3 credit agencies and substantially impacted my credit. I find their act as intentional and abusive because they had the letter from me asking for verification and they knew that I never owed any money to the creditor because I never had any dealings with creditor but they reported me to credit agencies to damage my credit report.
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (CO)

I paid of my debt with Fortiva in whole late 2019. Since that time, I had not used my card for any means. Then in XXXX I had received notification that I had a balance due over {$500.00} and I called the company and they had shared the transactions. I reported them as fraud and they transferred to a number that does not pick up. I called customer service again and they gave me " the real number '' and the fraud department emailed an affidavit to fill out and return via email or fax. I returned it immediately with the details regarding the fraud charges. Since that time, I have not received any notification of receipt for that affidavit or the 5 that I have sent via postal carrier. Although, I did receive a letter in the mail that my account has now been terminated due to breaking the account agreement upon signing up with them. My credit score has dropped over 100 points due to this and I am no longer to close on the property that I was attempting to before all of this had occurred. All I want out of this is my account to be settled with Fortiva and back to normal and there will be no harm done.
Consumer complaint received 2020-04-24
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. (HI)

Transunion didn't send me Mov ... They told me they got my information from the court that was a lie. I have Call and sent letter of proof. I ask them for proper documentation ( Mov ) call them. Call many times to delete my information. They didn't do everything the correct way. I call and check myself.