davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
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. (IL)

I submitted a dispute about an account in my credit report XXXX XXXX. I do not believe this account is mine. The only response I have gotten is account information disputed by consumer ( Meets requirement of of Fair Credit Reporting Act as the result of my dispute. Then I submitted a complaint with CFPB, to which experian replied they checked with the company and would mail me a full report of their investigation. I submitted my complaint with CFPB on XX/XX/2020 and they responded to my complaint on XX/XX/2020 and the complaint was closed. After being out of town for a few days I now have the full report of their investigation. It is a print out of the accounts in my credit bureau report and how they have been reported. There is also a note stating the same thing account information disputed by consumer ( Meets requirement of of Fair Credit Reporting Act. 

This is the same as NOT providing a response. There is nothing new that was added with this full report/non-response. There is still no information as to how this company is proving that this account is mine or what process was used to assess that the account meets FCRA standards. Experian has a responsibility to accurate reporting but rather than addressing a legitimate concern/complaint, they just send anything and call it a response/investigation so they can claim they responded and addressed a complaint.
Consumer complaint received 2020-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Student Services (OK)

A company continues to call me all day about student forgiveness loans. The message that is left is by a gentleman named XXXX with the Student Services Department stating that they are with the Student Loan Forgiveness Program. The callback number that was left was XXXX, but the number that they answered is XXXX and XXXX. It is the same person who answers each time, very unprofessional, asking for my information. I asked numerous times to be taken off of the list but they say they have or they need me to do further steps. When I began asking about their program, they hung up on me. I am sure this is a scam.
Consumer complaint received 2020-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent multiple certified letters over 60 days ago and still have yet to receive any sufficient results upon the errors on my credit report. As a consumer I feel like I am being mislead and taken advantage.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following as this is the second attempt. Please remove them.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2020-10-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (FL)

Freedom Mortgage Loan ( # XXXX ). I have given this office every opportunity to complete my home loan refinancing that I have yet been able to close on since I began this process back in XXXX of 2020. All due to XXXX 's lack of follow-thru, irresponsibility & incompetence. I have made every single attempt to keep the lines of communications open for XXXX to guide me thru this supposed swift, smooth & seamless refinance process ( as he claims ) to get this closed and completed in a timely manner. XXXX wasted no time initially, to re-run my credit and adjust my total loan amount ( which increased ) but as of this month of XXXX, my rate is still reflecting 4 % on both my loan account and my credit report. The proposed new rate offer is supposed to be 2.75 %. Since XXXX has not successfully been able to fulfill his end of the refinance offer, I requested to XXXX twice to cancel the whole application and return everything to where it was before he turned my whole loan upside down. I currently would only owe $ XXXX of $ XXXX on my original loan before this entire botch-up of a deal, at the hands of loan officer XXXX. XXXX stated that not only can he not cancel and return me back to my original loan but that he also could not remove the hard-injury that my credit got hit with. Since XXXX has shown no interest in getting this deal completed and thinks by going silent, all this will go away and I'm ok with being screwed out of over $ 9k. I have exhausted all avenues of a resolution to this, what should have been, a simple re-fi and close deal. I can only hope that someone there reads this an can assist me in getting this entire refi-loan withdrawn and return to my original loan agreement reflecting the correct loan balance. Loan Officer XXXX XXXX / NMLS # XXXX / Ph # XXXX / Alt Ph # XXXX. I have constantly followed-up with XXXX, to the point of having to chase him down with numerous emails, texts & phone calls in attempts to see an end to this disaster.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (WA)

My problem is with Wells Fargo Bank and started in XXXX of 2020. As I am a nurse with the XXXX XXXX, I have been busy lately. To begin, this was my fault. I missed a payment of {$40.00}. I wrote to Wells Fargo asking them to forgo the late fee. I received a letter from XXXX XXXX in the Executive office stating that if I paid the remaining amount they would forgo the late fees. I sent in a check for the amount stated the next day. I also had sent a letter to the XXXX. I have no control over the mail, where the check went or who saw the check. I received a letter stating I sent it to the wrong department but the check was deposited the same day. I have now received 7 letters and payment letters with late fees included. A letter from someone else in the executive office, a letter from the banking team. All the letters ignore or have no knowledge that I paid the loan. I seam to get a letter or payment letter every day. This has affected my credit score. I dont know how to end this. Please help me.
Consumer complaint received 2020-09-30
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: Experian Information Solutions Inc. (NV)

I scheduled direct mortgage payments from my checking account to XXXX XXXX XXXX. They have all of my checking account information, and can access funds directly. XXXX XXXX XXXX  neglected to inform me of changes to my mortgage, and didn't process my mortgage payments due to these changes. 
I was eventually made aware of the problem by a third party credit monitoring service, XXXX, who texted me that my credit score had dropped by 156 points for a delinquent account with XXXX XXXX XXXX. Again, XXXX XXXX NEVER indicated that there was a problem with my account. They claim that they sent a notice via USPS, but I never received it. Instead of reaching out to me via email, text or phone, they allowed my account to be delinquent for 3 MONTHS, and instead reported me to the credit bureaus, without ever contacting me and giving me the common courtesy of letting me know what was going on. As soon as I found out about the issue, I called XXXX and initiated a transfer of funds to pay all outstanding balances. They are currently paid in full. I asked them to fix the problem with the credit reporting and they refused. 

I want XXXX XXXX to retract their complaints against me with the credit bureaus. I had a credit score over 800, which required serious commitment and diligence on my part. There was more than  sufficient funds in my checking account to cover the payments due and I am available all day to respond to texts and phone calls if there are any issues. 
XXXX XXXX justified destroying my credit score based their lack of communication with me regarding the status of my account. It's inexcusable.
Consumer complaint received 2020-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX XXXX in accordance with basel 3 accord and XXXX Conventions. 


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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have a XXXX XXXX mortgage loan on my sole residential property. The mortgage servicer is JPMorgan Chase Bank. In XX/XX/2020, I requested in writing to Chase a forbearance on my mortgage loan for an initial period of 180 days under the CARES Act. I attested and affirmed to Chase that I am experienced ( and am still experiencing ) financial hardship caused by the COVID-19 emergency. 

Chase automatically enrolled me in a 90 day " mortgage payment assistance program ''. Chase informed me that all missed payments are due at the end of the 3-month period. Is Chase allowed to ignore my request of 180 days forbearance under the CARES Act and demand a lump sum payment?
Consumer complaint received 2020-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Performance Management, LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX  Conventions. 


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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-09-30
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: Experian Information Solutions Inc. (OH)

To whom it may concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy Driving Licenses for your reference. For the record I have lived in the same residence for over 7 years. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts. Also there are some inaccurate accounts that are showing on my report that are paid in full and need to be removed/ deleted. Here are the inaccurate accounts : XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ***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 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX # XXXX, ***XXXX XXXX XXXX XXXX XXXX My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
My current phone number is : XXXX All other phone numbers are not accurate. Please REMOVE/DELETE these numbers IMMEDIATELY : Also, my current and only address is : XXXX XXXX XXXX XXXX, Ohio, XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My Bank of America credit card and debit card were stolen back in XXXX, and there were unauthorized charges on the credit card in the amount of {$60000.00}. I reported the unauthorized charges to Bank of America and they opened up the claim. This was happening in the middle of a global pandemic, everything was closed, and the phone lines were overwhelmed. Customer service from Bank of America tried helping out but their Fraud Department did not correctly process my claim. The first claim was denied. I immediately called back and tried explaining the situation because the reasons they gave me for denying the claim made no sense. I honestly do not know what their Fraud Department and Claims Department did with my account, but the second claim was denied as well. I have been calling them multiple times. I submitted all of the documents proving that there was no one authorized to make those charges/purchases including the police report I submitted. Those documents were both physically mailed to Bank of America, and faxed twice! Not once did they review those documents. The last time I called them, they said they have documents, and they went ahead and opened a new claim. Soon after that claim was denied again, and when I called them to ask how come they denied it again after reviewing all the documents, they told me they haven't received any documents! I have no idea what is going on with them, and this has been a nightmare for me for the past several months, and I haven't received anything from Bank of America except the letters of denials. I have made timely reports of unauthorized charges, I filed a police report with local Police Department ( please see attached documents ), I have been calling them non-stop, I notified credit reporting agencies ( XXXX, XXXX, etc. ) to put a fraud alert on my social security ... I did everything in my power to get this resolved, but Bank of America hasn't been helpful at all. They keep charging me interest on charges, adding late fees for something I did not purchase! Those cards were stolen and reported to the police as well!
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

Citibank is ignoring my power of attorney documents. 
I subbmitted power of attorney documentation to citibank over a week ago ( received on XX/XX/2020 ). They have not responded. When I call, I am told that they need to speak to the account holder -- that would be my XXXX year old father who has XXXX. I have power of attorney, they do not need to speak to my father. They need to process the power of attorney documents. My father is unable to pay his rent and other basic necessities. I need the ability to write those checks for him. His credit card is being declined because he's not paying the bills.
Consumer complaint received 2020-09-08
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: CREDIT ACCEPTANCE CORPORATION (TX)

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2013 with a balance of {$2600.00}.
Consumer complaint received 2020-09-08
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: Atlanticus Services Corporation (TX)

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2007 with a balance of {$0.00} and a high balance total of {$3500.00}
Consumer complaint received 2020-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

This complaint is in regard to PayPal and my financial institution, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Neither has made themselves available to help me. 
On XX/XX/2020, I authorized a transfer of {$200.00} from my PayPay account to a friend 's e-mail account. No purchases were involved. The money was a gift to a friend in financial need. Unknown to me at the time, she had closed her account months earlier. Furthermore, she never had a PayPal account.

PayPal had the money sent from my checking account at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PayPal documented the payment as completed, however, to this day, the money has not been claimed by my friend nor has it been returned to my account.

I have not been able to speak to anyone at PayPal. I have submitted an inquiry and other correspondence via their Message and Help Center
s and have received generic, automated responses. I have spoken with two XXXX XXXX XXXX  managers who said I must pursue PayPal. They  refuse to get involved despite having made the transfer from my account. 

This is crazy. There is {$200.00} floating somewhere after almost 60 days. Would you please advise me as to any recourse I might have. Shouldn't someone at my bank at least be curious enough to want to help figure this out?