davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

On XXXX the XXXX at XXXXXXXX XXXX I had done a card to bank transfer from US Bank ReliaCard to XXXX XXXX for {$100.00} the transfer was never completed nor did it come back I was given two different Trace numbers and told to resolve the problem myself that they didn't do that because I was with a prepaid card that I didn't ask for I've asked for my pua pandemic payments to be direct deposited and they will not do it they say we have to have the debit card however the next one took place on XX/XX/XXXX at XXXX XXXX. a card to bank transfer from my US Bank ReliaCard accidentally done to XXXX XXXX XXXX for {$50.00} XXXX XXXX was contacted and they never received anything that they had turned around it never went to them and my bank is saying that they can't do anything but possibly put a trace on it and they want me to do the leg work and find out where it went myself I have asked multiple times to have direct deposit to my personal bank account for this main reason here somebody's taking the money and they're not returning it and I'm tired of fighting with them I can't give you the proof physically because I do not get paper statements and my phone will not allow me to take screenshots of the transactions for security purposes
Consumer complaint received 2021-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (CO)

on XX/XX/2019 i received a letter from collections RDAC on claims owed to XXXX XXXX in the amount {$3500.00}. There were false accusations made by the other individual on the lease and with 2 months left on the lease they changed the locks without my consent and would not respond to me at all. The other individual then moved out and they send me the billing for the final month, damages and costs that were incurred. There was clearly 2 of us on the lease and after they clearly violated my rights and illegally put the charges just to me and not split my lawyer reached out for correspondence showing that the other individual was legally removed from the lease which they did not, will not and refused to provide to me, my lawyer or credit agencies. I at most should only be responsible for half but after kicking me out without notice, changing locks without consent and leaving me homeless i should owe them XXXX especially after the other person on the lease was leaving there alone.
Consumer complaint received 2021-06-28
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: EQUIFAX, INC. (AL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-06-28
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. (NY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. I want this removed from my credit report asap.
Consumer complaint received 2021-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MN)

Please help. I applied for an apartment and this apartment turned out to be fraudulent I filed a claim with Wells Fargo and I submitted the screenshot they requested and they still three months later close the case and continue to have my account negative over {$1000.00} and have a continued to accumulate {$35.00} overdraft fees for months I have contacted Wells Fargo and asked for this money to be returned and they say that the case is closed and I have to re-open a new case I reopen a new case three months later and submit the screenshot they request it again and I just contacted Wells Fargo today which is XX/XX/2021 and the representative told me that this case has no information linked to it I am tired of Wells Fargo treating me like this I would like my money back I open my account in Minnesota I live in Minnesota I bank in Minnesota I have struggled for months and months and I have lost my job to Covid and Wells Fargo a big of a corporation as it is comes down to damage and hurt consumers that are already vulnerable in this current time please help me get my money back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX
Consumer complaint received 2021-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently discovered an open account on my credit report. On the account it states I have an unpaid XXXX XXXX credit card/account with a balance of {$6400.00} dated back from 2012. 

I have not opened a XXXX XXXX account of credit card in my name. I contacted XXXX XXXX customer service, and they confirmed that I have never opened an account. They told me that someone used my name in the east coast of the states in result of identity theft. 

I would like to delete this account off of my credit report as soon as possible. 

Thank you
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (TN)

Yes I had a Paypal account never really used it much but I filed for unemployment back in XX/XX/2020 I was approved for unemployment and back pay the only account I had at the time was Paypal no sooner then my unemployment deposited into my PayPal they permanently limited my account without notifying me I thought with them for probably a week and it was all over an address my address is different on my PayPal than it was on my unemployment I sent in all documentation that they ask for plus more also had my unemployment office on three-way verifying who it was where the money was coming from and who was going to they still kept my account on permanent limitation said it would be 180 days or less when I would be able to transfer my funds I am now past my 180 days they will not answer any questions it won't tell me anything you are not XXXX let me transfer my money or send me a check or anything I have been fighting so I can't fight no more there's almost {$19000.00} sent in my account and I've lost vehicles and everything over all this mess and I have nowhere else to turn I was told about y'all so I'm contacting y'all to see if y'all would be able to direct me in the right direction
Consumer complaint received 2021-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please see the attached explanation. I sent this letter to all three credit agencies and XXXX XXXX to plead for an act of goodwill.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been disputing negative accounts with the bureaus and have yet to hear from any of them. I have items on my credit that are not accurate and they need to be removed. Under the law, they're supposed to respond in 30 days and it has been over 3 months. I have attached the latest letters sent to you please respond.
Consumer complaint received 2021-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (GA)

I filed a complaint against american express on XX/XX/XXXX in regards to an alleged debt owed to american express as well as a collection agency. Their response was " Because your account remained past due it was charged off on XX/XX/XXXX. An account that is charged off indicates that the debt has been written off as a loss to our company due to serious delinquency on the account and does not affect your responsibility for repayment of the balance due. Additionally, it was placed with outside agencies. When an account is assigned to an outside agency, we are unable to assist with account information as you need to work with the agency handling your account. American Express remains the creditor, the outside agency is collecting the balance on our behalf. On XX/XX/XXXX the account was placed with XXXX, an outside agency. On XX/XX/XXXX the account was assigned to our credit department. '' They advised on XX/XX/XXXX the account was assigned to their credit department. I have been harmed by this action due to the fact the company violated 809 ( a ). Validation of debts. The first correspondence I ever received from them this year was dated XX/XX/XXXX. 

*Please provide proof of delivery for any correspondence you attempt to upload as a response.
Consumer complaint received 2021-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NY)

I have been trying to pay off my auto loan quick so I send in payments towards the principle balance the JP Morgan Chase app consistently changes your principle payment to ordinary payment so I have to call and complain for them to reverse it. They told me call in and make the payment directly, so on XX/XX/XXXX I made another principle payment of XXXX dollars by debit card from one account and XXXX dollars from the same account I use regularly to pay. The XXXX dollar payment was never applied to my account I called today on XX/XX/XXXX the money was taken from my account from XXXX XXXX XXXX  and it shows on my records, but Chase Bank said they never got it. Upon further review and consistent calls to Chase they stated they see the notes made by the agent who took my call they saw the notes for XXXX towards the principle payment but don't understand what happened. One agent told me to report it as fraud but said Chase would still investigate, another agent said that when my bank credits me that Chase closes its account. On my 3rd call a supervisor named XXXX informed that they believe my payment went to another account but refuse to credit me or refund me my money. The XXXX payment went to interest I complained about that they Saud they will reverse it but did not and refuse to. I have adequate proof of transactions and screen shots. JP Morgan Chase I believe is holding peoples funds to get as much interest as possible evening changing principle payments then delaying or not even reversing the charge. To tell a customer to call your bank and claim fraud and they will refund you is absolutely unprofessional and I'm curious to know how many people they have done this to and I believe this is illegal. I have called numerous times of which they say they are recorded, if you listen to the phone calls and check the notes you'll see how this company has handled my account and all the errors
Consumer complaint received 2021-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

Rushmore purchased my loan from XXXX XXXX a predatory lending company that was fined millions of dollars for forcing home owners into foreclosure in 2018. XXXX XXXX only had my loan for a few months because they also purchased my loan from XXXX. During the time XXXX had my loan they did not follow the Federal guidelines and denied that XXXX sent imperative documents such as a completed modification and information about my forbearance I had been placed on. I filed complaints against XXXX and XXXX and XXXX responded with all necessary documents to prove that they in fact did transfer the loan with all the documents and like magic they XXXX found it and said they would expedite the info to loss mitigation and that foreclosure proceedings would be placed on hold. with that being said I filed another complaint because I was suppose to be protected by the 60 day transfer, the forbearance and Covid relief, So I began filing complaints with CFPB, FTC, XXXX, Attorney General, I called Governor Bakers office, and found an attorney who was in the process of seeking homeowners to file a class action suit against XXXX and I joined, Between the complaints. class action and XXXX finding out about my sister social media platform which consist over a million followers they sold my loan to Rushmore. I was so relieved until I researched Rushmore and found that they were even worse than XXXX. I called and spoke to a guy in the loss mitigation department and explained that I havens received a welcome packet and he said to wait until after the! XXXX  to give them some time. I was very pleased with the concern and help this gentle men offered and he assured me they would take care of me not to worry, Now it has been over 2 weeks from that date and I haven't received any paperwork, I called with a hud counselor and the rep told me that it was sent 45 days ago, how conflicting to the first person who told me to wait until after the XXXX XXXX the rep then goes on to ask me for a phone number and email and says we need an address for you to because we do not have one,,,, What you just said you sent a welcome packet out 45 days ago you don't even have a listed address. My loan was transferred on the XXXX and its 2 weeks later and I have no information at all. Now she claimed it would be mailed again but a simple email would of been easier. they are already playing games and trying to buy time to foreclose. I will not stand for these scams they play with homeowners in order to foreclose and take peoples property from them. There are guidelines and they need to follow them. This company scares me more than XXXX XXXX. I ; m going to contact the attorney and file complaints until they follow the proper guidelines, I will also seek an attorney, Im not letting theses scam artist steal my property. I want assistance and for my current situation before the transfer be honored like it is suppose to be,
Consumer complaint received 2021-06-28
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: EQUIFAX, INC. (TX)

CFPB, you all are supposed to assist especially if the credit bureaus are not doing their jobs and I am not understanding. This is my 3rd time asking for assistance with my credit and no one is responding back to me nor investigating my disputes.. The below items does not belong to me and I am trying my best to try and buy me a house but this negative debt is hindering me. Can you all investigate these items and either provide proof of my signature or delete them. Thank you. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1966
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

After 2 disputes submitted and denied by Experian, XXXX, and XXXX, XXXX XXXX still FALSLY misleads submittals to these credit agencies by writing that I " Paid '' the past-due amount but then WRITES -- " {$730.00} Written Off ''. XXXX XXXX 's slowness in internal processing lead to their statement of " {$730.00} Written Off '' in the Account with XXXX XXXX in XXXX-XXXX. In addition, I believe the simple remedy is for the 3 Credit Agencies, at least, AND if possible to include XXXX XXXX, to list the TRUTH in my 3 credit reports as " Paid. Account Closed ''. 
Lastly, they mistakenly state that my account was opened until XXXX. I believe this is a FALSE statement because it was settled much earlier about XXXX, which would lead to it being deleted all together due to the 10 or 7 year listing of such item being EXPIRED for being listed in current credit agency listings. XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I requested Experian to verify the below collections account and provide documentation to prove these are my debts and they have been unable provide documentation. I am requesting the below accounts removed from my credit report XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX.
Consumer complaint received 2021-02-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (IL)

In XXXX of 2020, I applied for a loan modification due to problems with income. Then COVID 19 hit. I thought this lender would continue to work on my file, which they stated they are. It is now 11 months, and I have not received ANYTHING about my loan modification. I am under COVID 19 plan, however, this is due to the fact my home is in foreclosure, and I need to have some type of protection. 
In the mean time my balance keeps increasing. You can not get through to them on the telephone. It is up to the bank to hire adequate staffing for clients. You will only get a machine, and then it states a recording and hangs up on you. 
I have no answer on my loan modification request sent in XXXX of 2020. My loan is in foreclosure. I have no way to contact or communicate with them. They changed their portal and my user id/log in does not work, and of course, impossible to speak with someone. 
Finally, I sent them an email, and am waiting for a reply. I doubt I will get one. Please help me.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-06-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (VA)

In XXXX of 2020, I refinanced at a 3.25 % interested rate and my mortgage payment was XXXX. Due to COVID, I was unable to pay my mortgage and took out a COVID loan for the month of XXXX through XXXX. I resumed my normal mortgage payment in XXXX. On XX/XX/XXXX, an escrow analysis was done and my mortgage jumped to XXXX due to a shortage in my escrow. Oceanside Mortgage agreed to spread the escrow shortage over 60 months on XX/XX/XXXX and I was told to pay {$2300.00} for XXXX mortgage per their notes and which I paid and in XXXX my mortgage payment would rise to {$2300.00} for the next 60 months which I have already paid. Oceanside continues to harass me about a shortage in payment in the amount of {$270.00} which i do not owe them. They continue to say they will fix the issue but it never happens and because of this, they refuse to take my XXXX payment, which can put me in a delinquent status. I need help now and will file a complaint with the FHA