davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
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. (MO)

I am writing to file a formal complaint concerning my ongoing and unsuccessful attempts to dispute inaccurate addresses, collections, and inquiries on my credit report. Despite numerous efforts, these inaccuracies persist, tarnishing my creditworthiness and causing financial harm. 

The specific issues I am disputing are as follows which needs to be remove by the credit bureaus : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$90.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX MO XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX  XXXX Balance Owed : {$90.00} XXXX XXXX Balance Owed : {$130.00} MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have taken the following actions to address these issues : Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Despite my persistent efforts, the inaccurate addresses, collections, and inquiries remain on my credit report, causing significant financial distress. 

The Fair Credit Reporting Act ( FCRA ) requires the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Consumer complaint received 2016-04-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

I keep receiving harassing phone calls and very personal questions from there workers. I made arrangements to pay last months bill which was due on XXXX/XXXX/16 over 2 weeks ago for the date of XXXX/XXXX/16. I keep getting calls from a man named " XXXX '' who is telling me XXXX XXXX is too late to pay. I told him it is a week away and I already made arrangements to make the payment. He then told me that they were going to take my vehicle. I find this hard to believe when my payments not even 21 days late and is set up for an autopay on XXXX/XXXX/16. 
" XXXX '' as he said his name was kept asking me and bugging me to why my payment was late. THATS NONE OF HIS BUSINESS. ITS PERSONAL. ITS LATE THATS ALL HE NEEDS TO KNOW. He then told me " HE NEEDED TO KNOW BEFORE THE CAR GETS TAKEN ''.
Consumer complaint received 2023-09-16
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. (MO)

I am writing to formally complain about my persistent and unsuccessful attempts to correct inaccurate reporting regarding a late closed account on my credit report. Despite numerous efforts, this error has not been resolved, and it continues to negatively impact my credit profile. 

The issue at hand pertains to the reporting of a late closed account on my credit report, which is inaccurate. I have taken the following actions to address this matter : I initially became aware of the inaccurate late closed account on my credit report when I reviewed my credit report. 

I contacted your bureau to dispute the accuracy of this account and requested its removal or correction. I provided all the necessary supporting documents and explanations to support my dispute. 

Subsequently, I followed up to inquire about the status of my dispute and request updates on the investigation. 

Despite my repeated efforts, the inaccurate late closed account remains on my credit report, adversely affecting my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) requires accurate reporting of consumer credit information. It is essential that my credit report reflects my financial history accurately and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve this issue immediately by removing the inaccurate late closed account from my credit report. The prompt resolution of this matter is crucial for my financial well-being. Failure to address this issue within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccurate information highlighted and proof of previous dispute attempts and communications. This late closed account should be removed by the credit bureaus : XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2016-03-06
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO. (MA)

Around XX/XX/XXXX my wife and I lost all our income except Social Security. A consulting company I worked for lost a client I was handling..This was a $ XXXX. a month loss in our income. Prior to that my credit score was XXXX. That was the first time my Mortgage payment was ever late. Also prior to that time we lost about {$700000.00}. in a XXXX Scam .The principal is currently in jail and all our cushion was gone, this was back in XX/XX/XXXX. In that amount was % XXXX in my wife 's pension money he was managing. During this same time my wife was diagnosed with XXXX. 
We have lived in this home from XX/XX/XXXX and would like to save it. My servicer is XXXX XXXX. I have some XXXX '' of paperwork they keep asking for the same thing over and over again.. We literally had not enough money to live on. As proud as I was I went for fuel help and food assistance. Now I have a full time job in the city I live in and we have combined income of about XXXX a month. Again I have asked XXXX for help in Mortgage assistance and now they tell me while they review another set of documents the are going to begin the process taking my home. My credit score is up to XXXX from a low of XXXX. I have made my mortgage payment for the past 6 months of XXXX per month and have set up payment programs to get my head above water. The rate of interest is 6.375 % if they lowered the rate It would all help. That interest is in the XXXX the rate on the XXXX is XXXX and yet the XXXX and XXXX add a late fee each month. The value of my single family home is {$370000.00} and I have a first balance of {$160000.00} including the arrears and a XXXX mtg. of XXXX thats a XXXX % ratio. Why ca n't they help me. I have now been working full time from XXXX XXXX for XXXX XXXX. Plus I am on Boards that through off additional Income. I could have filed bankrupt and wiped all the unsecured debt out but instead I hoped to struggle a bit and move on. Please help. XXXX has only continued to cost me money in tile and more paperwork than I feel they really needed. I worked as a Senior Mortgage officer for over 20 years and if I on anyone working for me treated our customer like this they would have been fired by me.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Today, using my home computer, I attempted to request an annual free copy of my credit report from each credit monitoring company - XXXX, XXXX   and TransUnion. So my first step was to log into XXXX  's webpage which in turn routed me to " XXXX ''. I was given the option of selecting all three credit monitoring companies, once I was on the web screen for XXXX XXXX - for which I selected all three. While I was able to view and print a copy of XXXX  's credit report I was not so fortunate with XXXX  nor TransUnion. Upon completing the XXXX  segment the software skipped right over XXXX and went directly to TransUnion. After the TransUnion credit report was pulled up, and before I'd had an opportunity to review it on screen, while I was trying to figure out how to print a copy of the TransUnion credit report I was kicked out of the system with no apparent way back into XXXX
Consumer complaint received 2023-06-03
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: GOLDMAN SACHS BANK USA (AZ)

I had discovered that I had several fraudulent charges across many of my financial accounts. So I decided that I needed to review all of accounts for accuracy. It was that I had discovered on my Apple credit card that I had a total of seven fraudulent transactions that are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once this was discovered Apple Card services were contacted. I also filed with identity theft and put extended fraud alerts on my credit reports. I had several fraudulent transactions from the merchant turo that I had to report. Every single one of my financial institutions impacted with transactions from this merchant were all found to be fraudulent. That is except Apple Card services, who stated that there wasnt any fraud. 
I am including with this statement, a copy of communication between myself and the merchant turo. This company is a peer lending car rental service. However, before use, you must be approved. This process requires assessing all of your legal identifying information and background checks. As in the document I provided, it reflects that in XXXX of XXXX  I requested an account with the merchant XXXX, that I was subsequently denied. Therefore, all the transactions post XXXX with XXXX were fraudulent as I wasnt even able to access and utilize any services that they provide.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a transfer from my boyfriends account to my account of XXXX in XX/XX/2021. Bank of America closed my account and kept the XXXX on hold. It has been 2 years and I still have not received the funds. I have called the bank hundreds of times over the past 2 years, I have stepped into multiple branches and talked to multiple bankers and managers.
Consumer complaint received 2016-11-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I get a medical bill on my credit report who was paid by my insurance and still showing on my report. I received calls from collection about a debt already paid with some treated by collection agents. This was never reported to my attention about this debt turn to a collection agency. I do not have ny knowledge of this issue.
Consumer complaint received 2016-08-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My name is XXXX XXXX, and this is a follow-up to complaint number XXXX I filed on XXXX XXXX, 2016. On XXXX XXXX, I received the attached letter from BOA stating that I could no longer transfer money from my BOA savings account to pay my BOA home loan account. I just find this timing of this letter to interesting as it is drafted a day after my complaint filed with CFPB. This letter written by BOA is placing road blocks in the payment of my mortgage and is a bullying tactic on the behalf of BOA and borders some other unfair housing practices. I am asking for BOA to remove the late payments on my account from XXXX 2016 thru XXXX of 2016 and to allow the transfer of my payments from my BOA account to my BOA home loan.
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I sent a payment to a friend using Paypal, payment should have been received by XX/XX/XXXX, it was not. As of XX/XX/XXXX payment had still not been received so I called Paypal to cancel the transaction, they refused and said a supervisor would call me back, they did not. I filed an online dispute with Paypal quoted below : " I spoke with an agent today who assured me her supervisor would call me within an hour. THEY DID NOT.I was also told that I sent the payment as " Goods and Services '' so you charged me a 5 % fee which is outrageous. 
I would never have used your service if I knew of the 5 % fee in advance and I wouldn't know how to send payment as Goods and Services so I would contest that. 
The payment was between two friends and not a business transaction. I have contacted XXXX XXXX to intervene and I would like to CANCEL THIS TRANSACTION. My friend has NOT received the money 8 days after the transaction and I already sent you a screenshot from Paypal showing that payment to her is delayed to XXXX XXXX 19 days after the original transaction. If this is not transaction is not cancelled I will be filing a formal complaint with all California and Government Agencies that I can think of and telling my story on Social Media. This is not acceptable business practice. Sincerely XXXX XXXX '' I have not received Any response from Paypal except the following '' Case status : Under review. We're reviewing this case and will get back to you by XX/XX/2023 at XXXX XXXX  PDT. As we review this case, you may submit any additional information that you have. '' Are they kidding, it takes 3 months to review or resolve a case concerning {$650.00}. 
This is completely unacceptable!
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I 'm a consumer with a very serious mortgage problem. I 'll try to explain the best I can. I bought my primary residence in California back in XXXX of XXXX through an Interest only, XXXX/XXXX/XXXX Adjustable Rate Mortgage loan granted by the extinct XXXX XXXX XXXX, now acquired by XXXX XXXX XXXX. At that time I was working in XXXX XXXX and could afford that type of loan until the market crashed and I was out of the market and immerse in debts. 
Then I started working for a local Loan Modification Office and with that office I could get an initial modification of my XXXX note. Everything was running smoothly with my mortgage payment until the California Senate Bill 94, XXXX XXXX, XXXX, that force that company I was working for, to close door which left me without income again. I do not have to say, I was behind in my mortgage for several months, for a XXXX time, and looking for jobs for several months, until a got hire as a XXXX in a Mortgage company. 
Soon, XXXX XXXX XXXX transfer services to Specialized Loan Servicing LLC who is the institutions that holds the Note on my primary home. Though, I have not clear who the owner of my Note is : either, XXXX XXXX XXXX or XXXX XXXX. Nevertheless, I have been trying a new Modification with the Servicer I just mentioned FOR TWO YEARS and this Servicer keeps requesting the same docs for months, and telling me my case is in review every time I call and talked to the several Relationship Managers I have had so far, and my debt is growing every month and hard to repay without a plan. In the meantime, I received a NOD at XXXX/XXXX/XXXX, the time is running out and I have come to believe the Servicer is leading me to believe it is " considering '' my request in good faith, when in reality it is marching through the foreclosure process, as you can see, very quickly! Then, I 'll be " turned down '' for that loan modification just before the foreclosure sale. Please, help me to find an answer before it 's too late for me and my family. I have sent a package to SLS AGAIN! Thank you very much!
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I recently pulled a copy of my credit report and seen some hard inquires I don't recognize. As per FCRA Section 609 605 and 623 Please Provide record of consent for these inquiries and record of accuracy. If unable to validate or provide written records I expect removal of these inquiry immediately. 

XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. XXXX  Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report.
Consumer complaint received 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

XXXX XXXX : I reached out to you & filed a complaint with the obudsman group for the following : When my loan switched servicers I was in the process of consolidation and was on forbearance. The consolidation completed but somehow in the switch it marked my loans before consolidation over XXXX days late, I have called in several times & sent letters because this negatively affects my credit score and was told they can not find where this is being reported though it is on all XXXX credit bureaus and i have sent copies to you. I have given up and accepted my lower score as a result of fedloans error. 
XXXX XXXX : I also called in over a year ago because I could n't afford my payment and I wanted to be put on a payment plan that counted towards forgiveness because I work for a non profit. I have been making sacrifices and paying the amount. 
XXXX XXXX : Recently, in my yearly statement the documentation showed that none of my payments counted toward forgiveness. I contacted fed loan and advised of the issue. I also advised I was facing undue hardship because of my XXXX a month payment. 
XXXX XXXX-Without my authorization/consent my XXXX XXXX payment of XXXX was deferred and now my XXXX XXXX payment was changed to XXXX and no one called/advised me. If I am having trouble paying XXXX How can I pay XXXX? XXXX is negatively impacting my credit and without legal authority from me, deferred & changed my payment. I can not afford this payment need these issues escalated and corrected ASAP.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

At XXXX, on the date of XXXX/XXXX/2016, My wife, made a deposit to our business account through an ATM at Suntrust Bank in XXXX XXXX Florida. ATM ID XXXX. After depositing the checks into the ATM and submitting the deposit, she was returned an error receipt stating that we should contact customer service. Important to note that the checks entered into the ATM were not returned and were held inside the ATM. At the moment I was informed that night, I made a call to the support center and was assured that the deposit would be in the account the following day. I went about making regular purchases for my business and was greeted by a horde of overdraft charges. The money never was deposited into the account. After calling many representatives, I was granted a temporary provisional credit of the money deposited and the fees were waved. After three months, my provisional credit was removed, unannounced, and the account fell back into a negative balance. Support claims ATM was audited and checks were not located. Also stated that the ATM adjusters were internal and I am not allowed to speak to them, if I have an issue with their judgement, to appeal. I am certain that this information is not true and correct. I doubt the institution even bothered to check. ATM has a camera and would have seen my wife making the deposit in her vehicle at that time. I am refusing to pay any fees or the value of missing funds to to Suntrust 's negligence and poor customer care.
Consumer complaint received 2016-12-19
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I transferred XXXX IRA 's to Merrill lynch last year. From the time I opened my account I was asked repeatedly by the broker in XXXX to return to his office to fill out the same forms over and over again. I also was asked to provide a death certificate for the inherited IRA, which I did to the merrill lynch broker in XXXX and again to another merrill lynch broker in XXXX. I had to provide the death certificate before I could withdraw the RMD required minimum distribution. I also filled out forms so the RMD would be withdrawn automatically and sent to me. last Friday I called merrill lynch to see what happened to my RMD. I was told they dont have the form for an automatic withdrawal on file but they would send me a check as I requested. Shortly thereafter I received a message on my phone telling me to call merrill lynch. I did and when I was finally able to get through their automated phone system i was told they refuse to send me MY money from MY account in the RMD unless I send them a copy of the death certificate, which i already did twice. If I do n't receive the RMD before year end I will have a problem with the IRS. I ask you to contact merrill lynch and get me my money now, I also read in the past merrill lynch entered into a consent decree when sued by you, Apparently merrill lynch does not take you seriously as they continue to flout the law, therefore I ask you to fine the as much money as you can and to revoke the brokers licenses of all those involved in attempting to deny me access to my money.