davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (PA)

I am filing a complaint of non-compliance against the following collection companies : 1 ) NELNET LNS 2 ) XXXX  3 ) XXXX XXXX   This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Equifax has mixed up my information with my sisters who lives in  XXXX   XXXX . I 'm a client at  XXXX   XXXX  #  XXXX , they have worked with equifax to correct the problem. My sisters name is  XXXX   XXXX , she was married with the name of  XXXX . My name is  XXXX   XXXX , that is my maiden name, I have never been married and I have never lived in  XXXX . I have always been a   XXXX   resident. Although I faxed equifax my birth certificate and social security number and state license, the current address on my report is a  XXXX  address which I informed them was not mine but my sisters. They refused to correct this and have allocated my information to my sisters file. Her house, car, loans, children 's car loans were put on my file even though she has a different ss number and dob. All of my legal documents and business accounts are in my legal name which is  XXXX   XXXX  I 've been dealing with this for over 6 months, and could not apply for a mortgage as this information is incorrectly reported by equifax. Please help me I 'm not rich enough for further lawyers and fees.
Consumer complaint received 2020-10-14
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: DISCOVER BANK (OH)

This has now happened to me twice and this issue more recently. 

Back in Year XXXX, I was looking to get a credit card for Emergencies ... My mom wasn't doing too well medical wise and was going to have to go out of town a lot to the XXXX XXXX and help out before coming back home to XXXX. My schedule very busy with work, keeping ontop of things or above things. One thing, I wanted a credit card and was looking into originally get a Discover Credit Card. 

I got home, paying bills and paid whatever came in the mail. I was paying on a bill but realized that I never received a card for Discover. 

I spoke to my banker and asked what was best thing for me to do because I did make contact to say it was not to me. He said to contact the XXXX  business and write up as fraud and see what happens. It was shown in fact it was fraud, that came off my name, off my security number, off my records but Discover has not left me alone and now has mailed me an Attorney Referral Pending. 

If I don't get back to them by XX/XX/XXXX. I am not sure what to do anymore and to protect myself.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NV)

ATTENTION TO HUNTER WARFIELD INC ( XXXX XXXX XXXX ). I AM SUBMITTING THIS INFO AS THIS ACCOUNT 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 {$2100.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire THIS ACCOUNT, I have submitted all of my personal 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. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. ()

Hi, I signed up on Paxful.com ( on XXXX the XXXX ) to convert cryptocurrency into bank wire. After verifying my ID and depositing over XXXX $ ( in crypto ) they decided to freeze my account. They said I violated their TOS, which I never did. 

When your account is frozen, you can't withdraw your funds, so basically they keep your funds untill the decide not to. This is ofcourse a big fraud. 

I've read many complaints about this website ( people that have their accounts frozen for years with thousands of dollars on it ) and all of their good reviews are fake/bought. It's terrible. 

I would love to get some help or a solution. 

Thanks. 

XXXX XXXX
Consumer complaint received 2020-10-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: STERLING BANCORP (CA)

This is a complaint against Sterling Bank for their failure to recognize me as power of attorney, despite multiple attempts to communicate with them and provide them with the appropriate documentation. 
In early XXXX of this year, I discovered that it was necessary to begin helping my elderly aunt with her financial affairs by activating my role as power of attorney ( POA ) on her behalf. Some years ago, she had given me a list of all the financial institutions she did business with. XXXXXXXX XXXX at the XXXX XXXX in New York, was among them. I discovered that XXXX had merged with Sterling Financial, so I called Sterlings 800 number on XX/XX/XXXX to make sure that my aunt did in fact still have accounts there and find out what I would need to do to demonstrate that I had POA in order to gain access to them. I was told that I had to submit via snail mail to Sterling 's Transaction Processing Dept. my  aunts General Durable Power of Attorney document. I did that the next day, XXXX XXXX. After nearly three weeks of not receiving any response, I called Sterling 's 800 number again ( on XXXX XXXX ). The representative I spoke to asked me for information about the account ( s ), including the account numbers and my aunts social security number, then placed me on hold for about 10 minutes. When she returned, she told me she couldnt see " on her screen '' any record of the documentation I had sent but said she would reach out to Sterling 's legal department and then call me back. A week went by, but I did not receive any callback. On XXXX XXXX, I sent a letter complaining about this issue to two members of the executive management team : XXXX XXXX, the president and CEO ; and XXXX XXXX, the senior executive vice president & corporate banking president. I have not received any response.  Over a month has elapsed now since my initial outreach to Sterling on this issue.
Consumer complaint received 2016-08-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington mortgage has bought my loan from XXXX XXXX XXXX, since they have, my account has been mixed up with another account. My payments have been misapplied and messed up since. Now they are trying to foreclose on my home and will not fix the solution so we can continue my loan.
Consumer complaint received 2020-10-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I moved at the beginning of XXXX, and on XX/XX/XXXX changed my address, ALL my addresses, for my Wells Fargo accounts to insure I had no problems receiving my mail : I received confirmation of that change that day, and again on XXXX XXXX because Wells Fargo did not process the first change. Instead, mail continued to be sent to my old address, without explanation : I see the scans of my mail from USPS, including on XXXX XXXX, going to the old address, but it is never forwarded, and I have missed receiving two statements and other mail as a result. I have spent almost three hours dealing with this, including repeated trips to my old address by XXXX unsuccessfully to try to find the mail. Wells Fargos negligence was bad enough, but their offensive response, misrepresentations about what occurred and failure to address the issue are even worse, and typical of the bank. Their negligence has cost me more than three hours of phone calls, travel time, etc. and at least XXXX dollars. On XXXX XXXX, I spoke to XXXX, XXXX XXXX XXXX, who had the nerve to claim said they could offer no compensation because they cant identify their own employees, which is beyond absurd and completely legally irrelevant. They would have a full record of whom I spoke with, and regardless they have a record of the change of address being confirmed. The agent who allegedly then handled the complaint ( they have assigned it to numerous people who never reply, and have no internal coordination ) XXXX XXXX, XXXX XXXX XXXX, actually wrote on XX/XX/XXXX that Wells Fargo could find no record of my address change in XXXX, even though I have confirmation from the bank by email that it received and claimed to have processed the change. Wells Fargo then has the nerve to claim it is not obligated to send legally required documents to the correct address or at all. The bank is either beyond negligent or overtly fraudulent, and it has failed to deliver legal documents as required by law and its own contracts for two months.
Consumer complaint received 2020-09-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$23000.00}, {$8900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXXXXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$8900.00} -This is not my account.
Consumer complaint received 2017-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On   XXXX   XXXX   XXXX     i   XXXX   XXXX   send a quit pay money transfer of  XXXX  $ to my siste  XXXX   XXXX   XXXX   using her email address which at the moment was in her account but not link to the quit pay system of   XXXX   XXXX   XXXX  . My sister when we notice the mistake when to her back and link the email to the account mean while i call chase bank to see if we can cancel the transaction since the money was already take out of my account and never got to its destination, Chase bank claimed that the transaction could n't be cancel because   XXXX   XXXX   XXXX   already took the founds and put it in a limbo account where they put all the transactions with any mistake.After that my sister try to get her back to deposit the money into her account with no success because   XXXX   XXXX   XXXX   now claims that the found needs to be taken back from chase to return to me  ( it has not happen yet ). Its going to be almost a year now since that happen and me  and my sister have file some many complains to each bank and they only keep bouncing the ball with no intention to find any solution. As now i just want a agreement between both bank to get my money back in my account or deposit in my sister account.
Consumer complaint received 2019-07-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (VA)

I attended XXXX XXXX XXXX, while being a student there i feel i was forced into Private Loans at rates above 13 %. I have had employment struggles on and off ever sense i graduated in 2007. XXXX promised me that i could always get help with the lender as long as i talked to them. That Private and Federal Loans can always be put in Forbearance. Well years later and now major credit issues. My Navient Private Loans went default. During all this time and struggles i payed and caught back up when i got work, then behind when i didnt work, trying my hardest to stay current. During these last few months, talking to case workers and then managers. I find out that they could have helped me more, this is there words, but they have to wait till i am days away from loans going into Default. If they would have helped me like i thought they should, being student loans by the Gov i could have keep up with my loans better. I know that i would not be were im at right now if they would have offered me the same programs to help repayment, that they offered at the very end. Always telling me if you cant pay the whole amount, then you cant pay at all. It was all or none with them.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

LoanCare LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Short sale was started with LoanCare XX/XX/20. LoanCare has been fighting us every step of the way regarding the homeowners EDD Award Letter and EDD statement printouts being in XXXX instead of English. 
***** THIS IS A CLEAR CASE OF XXXX ****** LoanCare is refusing to acknowledge the XXXX Award Letter and their XXXX Statement because they are in XXXX. They are demanding the borrower get a copy in English, which is not possible given the laws that protect non-English-speaking borrowers. XXXX said they have XXXX speaking customer service representatives, but no XXXX speaking underwriters and therefore can not use the letter we sent. THEY ARE DEMANDING THE DOCUMENTS/LETTERS BE PRODUCED IN ENGLISH, EVEN AFTER WE INFORMED LOANCARE THAT IT IS A VIOLATION OF BOTH STATE AND FEDERAL LAW, AS WELL AS THEIR SERVICING GUIDELINES. The State will not and can not produce these letters/documents in a language that the borrower DOES NOT SPEAK, as the borrower has indicated to the State that XXXX is their main language those letters/documents will ONLY be produced in XXXX. 

****LOANCARE DOES NOT HAVE THE ABILITY TO SERVICE THEIR CLIENTS****** THIS IS A CLEAR CASE OF XXXX   ***********
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/XXXX around XXXX a stranger approached me and asked me to deposit a check for them because they needed the cash since their account was overdrawn a large amount. I thought nothing of it since checks usually go right through and I proceeded to enter my information into the atm, I let the stranger deposit their check and he then asks me to withdraw the amount deposited and hand it to him. The strangers body language made me uncomfortable I didn't know if he had a knife, so I did as I was instructed and thought nothing of it. Approximately 15 minutes later it hits me that if the check bounces I'll lose that money. So I immediately call XXXX customer support and report that I've just been scammed. After at least 5 phonecalls they tell me there's nothing they can do.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information. You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately! I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed immediately
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

Has Chase changed their payment policy since 2017? Are there now holds on payments to prevent thieves from making multiple payments in short period to exceed credit limit? This protects card holders as well as card companies. Chase allowed multiple payments in a very short time by thief who then exceeded credit limit and then blamed me for making the false payments.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have a released state tax lien from the   XXXX   XXXX   XXXX   on my credit reports at  XXXX ,  XXXX , and Experian. The lien was filed on  XX/XX/XXXX  and was " paid satisfied and ordered canceled from record '' on   XX/XX/XXXX   ( see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  Credit Reporting Bureaus, who stated that they need documentati on from th e   XXXX   XXXX   XXXX   XXXX   requesting that the released lien be removed from my r eport - they report that the information is accurate and it is listed on my credit report as 'released. ' One credit bureau stated that the disputed information was updated, but my credit report remained the same. Experian will only allow you to dispute fraudulent information. I contacted th e   XXXX   XXXX   XXXX   XXXX   who advised me that they will not write letters and do    not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the   XXXX   XXXX   XXXX   .
Consumer complaint received 2020-09-02
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: EQUIFAX, INC. (MD)

XXXX, Equifax and XXXX has allowed XXXX XXXX to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

If you look back I have complained about Well 's Fargo Home Mortgage. I am now once again lodging a complaint re : their ineptness. I pay my mortgage on time, & in fact I am ahead in my mortgage payments. NOW I receive a letter stating a review was done & my escrow account is short by $ XXXX!!!!!!!! This is NOT the first time this has occurred. I am TIRED of their incompetence! For a financial institution there are a # of faulty processes. I have choice to pay one time shortage payment OR pay shortage over the years period raising of course my monthly mortgage payments. Either option is a burden on me since as a senior I am on a fixed income ... .The working processes & daily functions of Well 's Fargo truly need to be reviewed .... how can a financial institution be so FAR off in how much is to be set aside in my escrow to pay my taxes etc.???? It is deplorable! PLEASE look into their procedures & WHY does this frequently occur. Again, this is NOT the first time according to Well 's Fargo my escrow account has been short. PLEASE investigate them, PLEASE!