davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2021-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

I deposited a check to my XXXX XXXX XXXX checking account amounting to $ XXXX on XX/XX/XXXX from my Citibank checking account, it was returned even though it has funds. I was charged a return check fee then there were so many overdraft protection charged on my credit card. I paid way too much worth $ XXXX for something that is not my mistake. I contacted Citibank and they said I have no stop payments but XXXX XXXX XXXX is committing that anomaly/fraud in my account. I attempted to deposit again and they did the same thing again even my account at Citibank has funds they keep charging that return check fee plus too many overdraft protection in my credit card. 
Due to XXXX  XXXX XXXX 's fraud I went to their branch in XXXX on XX/XX/XXXX and asked the manager to close all my accounts ( checking, savings, credit cards ) at XXXX, Until XX/XX/XXXX they are still charging an already closed account. Now they are charging another $ XXXX again to an already closed account. They reported to the credit bureau that I owe them and they reported an inaccurate report to the bureau. My credit score got affected by XXXX  XXXX XXXX 's fraud. My credit score is XXXX, now it dropped to XXXX.
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (CA)

Per CFPB, instructed to duplicate XXXX ( XX/XX/XXXX ) Party has not received sufficient documentation relating to XX/XX/XXXX purchase of a GAP Contract from Ally, according to the financing agreement. 

The complete VIN has be provided to Ally via the email address we have on file. 

XX/XX/XXXX - The VIN was sent to XXXX be found inside the file GAP ClaimXXXX 

XX/XX/XXXX - The VIN was sent to XXXX be found inside the file GAP ClaimXXXX Attached letter, addressed to XXXX XXXX XXXX XXXX XXXX, NC, XXXX stating that we had not received a response. 

XX/XX/XXXX - CFPB case XXXX initiated XX/XX/XXXX - XXXX case XXXX initiated XX/XX/XXXX - received response for open CFPB case, insufficient information provided, feedback sent XX/XX/XXXX - additional information attached to XXXX  case, including VIN, as a courtesy XX/XX/XXXX - XXXX  case past due, XXXX provided date of XX/XX/XXXX, marked delinquent XX/XX/XXXX - letter dated XX/XX/XXXX from employee/contractor of Ally sent, requested documentation not attached
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEICHERT FINANCIAL SERVICES (ID)

Welchert Financial Services failed to pay the first half of my XXXX property taxes out of my escrow account, despite full funds in my account to do so on time. 
XX/XX/XXXX I received a Delinquent Property Tax statement from XXXX County Treasurer in XXXX, Idaho, with a late charge of {$24.00} plus an interest payment of {$12.00}. I am fortunate enough to have funds available in my checking account, and I am never ever late paying my bills. Therefore, I called XXXX County Treasurers office and paid the whole year 's worth of XXXX property taxes plus the late fee and interest charge. 
Then the same day, XX/XX/XXXX I called Welchert at XXXX and spoke with XXXX. She said payment was made in XX/XX/XXXX for {$1200.00} for parcel XXXX. Right amount and parcel number, so, I called XXXX County Treasurers office at XXXX XXXX and spoke to XXXX, who said there was no record of my property taxes having been paid by Welchert in XX/XX/XXXX. So, I called Welchert back and spoke to XXXX and I told her my taxes were NOT paid by Welchert and she opened up a case. 
I called again XX/XX/XXXX to follow up and there was no status change. 
I called Welchert again XX/XX/XXXX and spoke with XXXX, still no status change. 
XX/XX/XXXX I emailed a PDF of my original tax bill and the delinquency notice to Welchert Customer service. 
XX/XX/XXXX I called Welchert yet again and spoke to supervisor XXXX, still no status change. I called XXXX County Treasurers and finally got them to email me a proof of my paid taxes, interest and late fee and I emailed that to Welchert Customer service. 
XX/XX/XXXX I received a letter dated XX/XX/XXXX from Welchert saying they are working on the issue. This has gone on long enough with no resolution.
Consumer complaint received 2020-09-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Rosebud Economic Development Corporation (IL)

Yes I got a loan from them for {$1000.00} and I thought it was weird that they asked me for my bank login information like my password and email to log into my bank account I did not give them that I just gave them the routing and account number I didn't even speak to anybody I just sent them my picture of my ID and my bank account information and they put {$1000.00} in my bank account. The agreement was for them to take the payment directly out of my bank account every week. I had a problem with my bank because my card was stolen and my my account was compromised so I had to freeze the account. I do not have any checkbook or any kind of checks and they wrote a fraudulent check into my account for the one of the  payments I contacted my bank and they looked into it further and reimbursement my account. I can not believe that they went to write a fraudulent check in my name. They're obviously a scam and a fraudulent company and I need to take action.
Consumer complaint received 2021-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MA)

XX/XX/XXXX I received a letter from Transworld systems at home address on XX/XX/XXXX. 

XX/XX/XXXX I did online research and discovered XXXX does turn over debt collection to Transworld Systems Inc. 

Tried contacting XXXX at XXXX, told to call back during normal business hours, which werent given on phone line. Online research had local XXXX office is closed on Sundays. 

Tried contacting Transworld Systems Inc at XXXX, told to call back during normal business hours, which werent given on voice mail. 

Was able to put a freeze on my credit on the XXXX web site and discovered they work on Sundays. Called and was able to initiate a fraud alert and XXXX verified no collection history or unpaid bills on my credit record. Recommended contacting XXXX directly and if they cant confirm debt, report it as fraud to the local police station and when contacted by the XXXX Fraud line report status. 

XX/XX/XXXX Called XXXX at XXXX, told me to call the revenue service at XXXX. XXXX XXXX XXXX confirmed that the invoice did exist, it wasnt for the amount in the Transworld Systems letter and it was paid in full. XXXX also confirmed my name wasnt on the invoice as the sender, receiver or in any other capacity. Without a tracking number, XXXX said they are unable to provide any additional information. I do not have an account with XXXX, XXXX confirmed no record of me owning XXXX money and in XXXX opinion, the letter is a scam. 

I then filed a fraud report with the local Police on XX/XX/XXXX. 

Spoke with XXXX on XX/XX/XXXX. XXXX initiated a fraud alert on my account for one year. Was informed the fraud alert could be extended for 7 years if I forward the police report. XXXX  tried setting up a 3-way call with Transworld Systems Inc, and myself but Transworld redirected and placed us on hold and XXXX  and I eventually gave up. 

XXXX recommended filing a report with the Federal Trade commission, I followed a few links on line and hope this is going to the correct location and if not will be forwarded to the correct location. It is my wish that Transworld Systems Inc, doesnt scare and harass others into paying money that is not owed. 

Thank you for your time
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

On or about XX/XX/21 I made an online purchase with XXXX XXXXAlthough the phones were drawn from my account with XXXX XXXX the transaction was approved Pay Pal with Pay Pal credit.The problem is I can not secure recovery of purchased items after going through XXXX  XXXX, XXXX or the US Post Service.I have already requested a refund, but Pay Pal has provided me with no assistance.
Consumer complaint received 2020-09-13
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (CT)

I been receiving phonecalls at workplace..And The man was rude..and said that he will garnish my paycheck if I don't take care of the debt..I keep repeating to pls not call at my Job ... and they keep doing it..This debt is more than 16 years old and they keep sending letters also..
Consumer complaint received 2021-02-09
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. (NJ)

Hello- One month ago I learned that my credit score had plunged from XXXX to XXXX for no apparent reason. This is my score as reported by Equifax. I logged onto my Equifax account and noticed several errors. I then called Equifax and was told that I had to submit an inquiry in writing along with copies of my Driver 's License and SS Card. My complaint was mailed on XX/XX/2021 and I will attach it to this Step 3- please read my letter to Equifax . They responded to me in a mailing dated XX/XX/2021 and I have included the single relevant page of their response in which under the section entitled " The Results of Our Reinvestigation '' they wrote " The disputed item is not currently reporting on the Equifax credit file ''. I have absolutely no idea what this response means and it certainly does not respond in any meaningful way to my inquiry letter. I have included a copy of their response to this Step 3. The bottom line is that I believe my credit score was erroneously lowered and Equifax has not responded to my inquiry in which I asked them to explain why my credit score plunged. I would appreciate your helping me resolve this matter. Thank you!
Consumer complaint received 2024-10-21
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. (FL)

I have mailed multiple disputes to XXXX, Experian, and XXXX. All of my disputes have been left unanswered. I have attached copy of my three bureau credit report for each of the companies to review. They have not fixed the errors in my credit report. Please ensure these companies fix the erroneous information in my report.
Consumer complaint received 2021-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

Hello. I have made several student loan payments to FedLoan Servicing that are not showing as being qualified. Many of these payments were made while being employed by two PSLF-qualifying employers between XX/XX/XXXX and XX/XX/XXXX. I submitted certification forms for these two employers to FedLoan, most recently on XX/XX/XXXX and have not yet heard back. I see that, in the time that I've been waiting for a response to my XX/XX/XXXX form submission, my qualifying payment total has increased but is not completely accurate. I see three issues : 1. When I was employed by one of the PSLF-qualifying employers, I made payments from XX/XX/XXXX through XX/XX/XXXX. This is a total of 13 payments, and none of these payments are showing as being qualified.

2. While employed by another PSLF-qualifying employer, I made payments from XX/XX/XXXX through XX/XX/XXXX. This is a total of 28 payments, but only 24 of these payments ( from XX/XX/XXXX to XX/XX/XXXX XXXX are showing as being qualified. This leaves 4 payments ( from XX/XX/XXXX through XX/XX/XXXX ) as not showing as being qualified. 
3. I have made consistent student loan payments while being employed by my current PSLF-qualifying employer from XX/XX/XXXX until present. There is 1 student loan payment ( for XX/XX/XXXX ) that is not showing as being qualified. 

These incidents total 18 payments that should be qualified and are not currently showing as such. Thank you for your attention to this.
Consumer complaint received 2024-10-21
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. (VA)

I am writing to formally dispute the accuracy of a charge-off account that has been reported on my credit file. This account, listed under XXXX, appears to contain inaccurate information that I believe has negatively affected my credit score.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information. The FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. Additionally, when an account is disputed, the reporting agency must verify the accuracy of the information with the creditor in question. 

I request that you promptly reinvestigate this charge-off account and verify the validity and accuracy of the information with the creditor. If the investigation determines that the information is inaccurate or unverifiable, please ensure it is promptly removed from my credit report, as required by law. 

Please inform me of the results of your investigation within the time frame specified by law. If you can not verify the accuracy of this account, I expect its removal from my credit file. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-13
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. (TX)

There is several items that are not my debts on the report and as I attempt to dispute them, all I get is error page as shown in attached.
Consumer complaint received 2020-09-13
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. (MA)

I have been trying to resolve my issues with things that are on my credit report that should not be reporting. The information just keeps getting ignored and it is still on my credit report. I do not know what else to do. The following accounts should not be reporting on my report : XXXX XXXX  for {$520.00} XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for {$660.00} XXXX XXXXXXXX XXXX XXXX for {$680.00}
Consumer complaint received 2020-09-13
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: The Bureaus, Inc. (KY)

On XXXX XXXX, The Bureaus, added a derogatory mark on my credit report via XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone could send a bill and say its mine. According to the FCRA, The Bureaus, have violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-02-09
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (CA)

Medicredit IncXXXX was issued a debt validation letter from me in XXXX of XXXX. They have continued to call me without sending a debt validation letter until XXXX of XXXX. They had seven months to respond but could not seemed bother to do so until now.
Consumer complaint received 2020-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX, Provident Title sent final payment to Ally on my home loan totaling {$640000.00} when the outstanding principal balance of {$630000.00}. 
On XXXX, Ally sent a refund check from the escrow account of XXXX. 
On XX/XX/XXXX, I requested a reconciliation from Ally related to the final payment as the refund check was less than I was expecting. 
On XX/XX/XXXX, I received a payoff letter that showed interest through XX/XX/XXXX, even though final payment was sent XX/XX/XXXX. 
On XX/XX/XXXX, XX/XX/XXXX, and XXXX, I requested reconciliation of the final payment as the payoff letter was inaccurate. 
As of the filing of this complaint, I have not received a response from Ally regarding a reconciliation of the payment received by them on XX/XX/XXXX. Sufficient time has passed for this financial institution to provide an accounting of the mortgage and related escrow account. Ally 's actions are unacceptable and are indicative of embezzlement and fraud.
Consumer complaint received 2021-02-09
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. (CA)

I am respectfully requesting for Transunion, XXXX and XXXX  to add this positives accounts so my credit scores can improve over 600 's as my credit scores are suffering. 

1.XXXX  XXXX XXXX account # XXXX balance under $ XXXX.This is not a credit card or home loan, is a water softener purchase in 2015. 
in XXXX, Texas. 

2.XXXX XXXX account XXXX XXXX on purchase of a Laptop, this is not a credit card account. Balance is around {$640.00} as of XXXX 3.XXXX XXXX XXXX  Visa credit card account XXXX XXXX, balance as of XXXX is {$440.00} Please add this accounts immediately. 

Thank you for my accommondations of my XXXX XXXX Act under Department of Justice.I am respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran. 
Urgent Matters!
Consumer complaint received 2021-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

I logged in to my account on chase.com XX/XX/2021, followed all instructions and provided all requested information ( including verification ) and made wire transfer to XXXX XXXX XXXX hours later I received a email from Chase.com on XX/XX/2021 informing me that my wire transfer had been cancelled. On XX/XX/2021 I called the number provided in email from chase.com, as instructed, to prevent further restrictions on my account. I spoke with chase customer service reps who claim to be in US, but also claim they are unable to fix the problem, instruct me that I need to go to branch location and speak with someone in person. I was transferring, by wire, {$220.00} to XXXX ( a cryptocurrency company that does business with chase and provides specific instructions as how to transfer money specifically from a chase bank account. I was transferring money to purchase XXXX. While I have been trying to regain access to my chase.com bank account, which has been restricted due to the wire transfer being cancelled by chase, the price of XXXX has risen, which in turn has reduced the profit I would have made had I been able to access my funds thru chase. Now I am being made to wait additional fays and the price of XXXX continues to rise. Chase bank has prohibited my investment and has caused me monetary losses due to this. This should not have happened after I successfully completed verification and all required wire transfer steps requested of me by chase.com. I would like to sue chase bank in small claims court for loss of income.