davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

I went to an atm to withdraw {$600.00}, it went through the entire process and then when it was time to dispense my money it said error. I proceeded to do it again and the something happened. It said error and went back to welcome screen. I checked my account and XXXX was deducted. They said they investigated and found o errors but refuse to show me the documents to prove it. The atm did not dispense my money or a receipt or anything and my bank who I am supposed to trust did not help me, in fact they closed my account and now I can not even get in touch with anyone, emails go unanswered. Please help The date was XX/XX/20 Two separate transactions for {$600.00}, which total {$1200.00}
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

It seems like every year for a decade have had issues getting my annual free report with Equifax which trends like this means it's most likely intentional which the entire process sure seems like to make it easy one has to pay for outside services ... 

I may have gotten a credit question wrong as in reality when some has decades of credit history, perhaps just makes sense to just try a different question!?!?!
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

I have received repeated emails from this company claiming that I owe a debt that I am completely unaware of and know nothing about. It is strange that I have been getting emails, but I did not realize the seriousness of this until recently. The information states that I owe a debt from a company called XXXX XXXX  that I do not owe. Please research your records and get this corrected immediately or I will be forced to take legal action here. In 2006, I found that I was a victim of identify theft, and I received a Judicial clearance from the judge attached, that shows that I was a victim. I was told that someone was using my information and it would be hard to control, but I have to put a stop to these inaccuracies immediately. I will contact my lawyer because this is getting out of control and out of hand.
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: Experian Information Solutions Inc. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$28000.00}, {$0.00}, {$54.00}. 
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 XX/XX/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  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.
Consumer complaint received 2020-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I received a letter from my mortgage company, Carrington Mortgage services , LLC, stating I had an estimated escrow shortage of {$350.00} and if I wanted to prepay that, I could otherwise my monthly mortgages payment would Increase. This happens every year that my mortgage payment increases Whether I pay the estimated escrow amount or not. So I decided to figure out what I was doing wrong and pay that as well to keep my monthly payment t the same. Especially with the pandemic and decrease in income Ive experienced. 
So I figured out my insurance had also increased $ XXXXmonth which would total to $ XXXXyr. On XX/XX/XXXX I called the mortgage company at XXXX XXXX XXXX XXXX aN spoke with a woman named XXXX. She agreed that my numbers were correct and said I could Prepay a total of {$510.00} towards the escrow therefore the estimated Escrow shortage and the Actual insurance increase would be paid and my monthly mortgage payment would stay the same. She told me to call back on Friday XX/XX/XXXX and check to make sure the escrow analysis was completed and to make sure the payment was the same. I did what she said but XXXX answered the phone and said that this was not possible that I could only preepay the estimated escrow shortage for next year, i could not prepay the extra Insurance increase to keep the monthly mortgage payment from going up. And that I would be getting a refund for the extra {$160.00}. I asked to speak to a supervisor and XXXX came on the line and said the same thing- I asked why would XXXX tell me I could and she said She did not know but she gave me the wrong information. I clarified with her That I coukd pay and ESTIMATED escrow shortage, but I could not pay an ACTUAL. Insurance Increase. ( Which by the way is the same thing just different language - both are increases in my mortgage as you well know. They just word it differently. ) She said no I couldnt bc they dont set the insurance rates. I responded that I knew that but they charge me for them. If its an actual amount that set its much easier to deduct than an estimated amount. 
She was not budging and was feted nothing else. By the way, on XX/XX/XXXX when I got home from work I had my new bill from the mortgage company, ,which I assume was generated by the escrow analysis that was done on XXXX when I called and made the prepayment. It had the increased New Monthly mortgage payment nicely printed and in my mailbox. Ive yet to receive the refund check for {$160.00}. 
I will add the paperwork In the order it was received with this complaint. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 hands of the wrong person.
Consumer complaint received 2020-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (NC)

Conduent was my previous student loan servicer. My student loan was sold or transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. I have no hard copy or digital records of the original loan or transfer over to the new service provider. I do not have any info about the repayment terms and schedule. No data transparency or disclosure is available. XXXX insists the former Conduent service provider sent the loan paperwork. I did not receive a hardcopy or digital copy. XXXX will not provide a copy of my loan paperwork or the full repayment schedule. They insist all that information was sent to be by XXXX and they do not have any obligation to provide this information since they did not originate the loan. My payment schedule is graduated and I don't have information regarding the graduated schedule. I was shocked by the increase in my expected XXXX student payment and had no warning of the pending increase. XXXX will not provide the full repayment schedule to me except for XXXX, XXXX and XX/XX/XXXX. I can not compare the repayment schedule for XXXX to XX/XX/XXXX to the original Conduent loan information because I never received the info. I do not have information to determine the accuracy of my loan balance, previous payments, pending interest or principal. I have no means to perform an accounting reconciliation of my loan account without the Conduent loan documents.
Consumer complaint received 2018-07-27
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. (FL)

To Whom It May Concern : I received an alert from XXXX, XXXX  and Transunion about an account being reported by XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX by XXXX. I have received a response that clearly violates my rights according to XXXX. XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX  rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This account has had a hold for over 3 years. I have sent over documents requested to Capital One for verification to remove this hold. I have just recently resolved the annual fee being charged to me for the past 2 years and it was credited back to the account. However this is useless because I have no card to use this account, therefore a credit is useless unless I can use the card. I have called and left voicemail to the representative handling the last complaint, with no call back or card replacement. My last correspondence to Capital One was a fax with all my verification documents almost 3 months ago. Still no card or response.
Consumer complaint received 2020-03-19
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)

I tried to refinance my home loan today XX/XX/20 and I was unable to do so because there is an account from XXXX XXXX and a few inquiries reflecting poorly on my credit history. This account and inquiries do not belong to me ; I did not open that account or make those inquiries and I did not allow anyone else to open that account or make those inquiries in my name. I do not have a written/verbal contract with any of those companies and I never allowed them to access my credit. I did not benefit anything at all from these inquiries/account and I never made any purchases or payments towards this account. I have filed this report to the best of my knowledge ; I also filed a police report and a complaint with the CFPB regarding this matter.
Consumer complaint received 2018-09-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (FL)

I am trying to pay the principal amount but the company is keep Just changing me with the interest. I called them 3 or 4 Times for them to take out the whole amount and paid it off but they keep Just charging me with the the interest.
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Velocity Portfolio Group (NJ)

I have consulted an attorney and am in the process of filing a motion with the courts and possibly my own civil suit because I believe this company was wrong in their attempts to collect a debt from a company that has informed me they are not represented by them. I was never given a court appearance in regards to objecting to the execution of this judgement. To this point this company has collected more than 66 % of the judgement and I have been advised to have them voluntarily stop a wage garnishment execution in lieu of my own suit and recovery of lost wages. I feel this company has acted unlawfully in the execution and used unlawful practices. If they stop the wage execution immediately, i will consider this matter closed and over. If not, then I will continue with my motion which will include my own civil suit and investigation. I hope a resolution to this matter will end now before further actions are filed. I have also attached a copy of a certified letter receipt which i never responded to which means I was never formally notified in which the courts indicate I did and signed for.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GLA Collection Company, Inc. (IN)

GLA Collections {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX ( Total of 15 GLA collections paid off from my bankruptcy, that has not been pulled from  my report that is all settled and paid through bankruptcy ) XXXX XXXX   {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX Bankruptcy public record still on my report ( Chapter XXXX, Filed XX/XX/XXXX, Discharged XX/XX/XXXX. ) ( still not dropped from report ) All of these items have been reported through the credit monitoring, but are not being removed, and it has been over a month to a month and a half and no changes have been made, and I was referred to your company from my bankruptcy lawyers company that you all would be able to take of these issues. Thank you for your time.
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/2018, I deposited {$1300.00} in cash into the ATM at the XXXX XXXX XXXX in XXXX XXXX, CA and was only credited {$680.00}. 

The BBVA ATM takes in 35 bills at a time so I inserted my thirty-five {$20.00} bills, totaling {$700.00}. The ATM then asked if I had any more cash to deposit. Since I had another 34 bills totaling {$680.00} to deposit, I pressed 'Yes ' and inserted the other {$680.00}. After processing, the ATM then displayed a total deposit of {$680.00}. I was confused about the amount but there was no option at the ATM to go back so that incorrect amount went through. 

The deposit went through at XXXX XXXX  PDT, after which I stayed for a while in the 24-hour ATM vestibule trying to resolve the issue over the phone. Due to offices not being open, I called back multiple times over the course of the past month and yesterday had a chance around my work schedule to make another visit to the bank. They told me that the investigation had been closed and that the ATM was not over, not granting me my {$700.00} that I am missing. 

I deposited {$1300.00} in cash so I am missing {$700.00} at this moment. I was in the 24-hour ATM vestibule around XXXX XXXX PDT when the transaction took place, where there must be a video record. There was also another person there who witnessed and can attest to these events.
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Due to the pandemic that has taken place, I have closely been monitoring my credit reports. My credit reports have two ( 2 ) debt amounts of {$320.00} and {$310.00} from Portfolio Recovery whom they have stated I owe Portfolio Recovery. After speaking with a representative from Portfolio Recovery asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with Portfolio Recovery, absolutely nothing has been sent to me. However, according to my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX credit reports, they will remove the accounts and place them back on my credit reports. This has caused a tremendous effect on my credit scores and how lenders look at my creditworthiness. 

I have repeatedly sent letters to the Portfolio Recovery asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Portfolio Recovery and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Portfolio Recovery can furnish to me.
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

On XX/XX/XXXX I sent a certified letter to the National Credit Adjusters Company asking them to validate by signature that a specific invalid debt account was mine. It is now XX/XX/XXXX and I never even received a response from them. This debt account does not belong to me and I am looking to get it removed from my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

These are not my accounts, nor did I authorize these companies to run my credit. I am in the military and have always gone to my own credit union with XXXX to get my loans.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

Filed for an income-driven repayment plan in XX/XX/XXXX. XXXX stated that I needed XXXX 's tax returns to complete my application for income verification. Prior year 's tax returns were not an option when filling out the application. They provided other options such as a pay-stubs, certified statement from employer, or proof of self-employment. I'm self-employed so any required forms from an employer are non-applicable. 

In XXXX I filed an extension for my income taxes which meant I wouldn't be filing until XXXX. I received an email on XX/XX/XXXX, stating they were unable to process the income drive request form due to a lack of income verification I called and notified XXXX  that I wouldn't be filing until XX/XX/XXXX. They said they would accept XXXX 's tax return. I submitted the tax return and my income-driven repayment plan was accepted. The monthly payment was modified to {$0.00} retroactive of XX/XX/XXXX. I was notified via email by the credit bureau that I received seventeen 90-day late delinquency accounts posted by XXXX in XX/XX/XXXX. 

In XXXX, I called XXXX to remedy the situation. XXXX refused to remove the delinquencies from my credit report stating the items were reported accurately at the time. I informed them when submitting the application, there was only a field for XXXX 's taxes which I didn't have. It was the only thing missing from my application. The email sent on XX/XX/XXXX did list XXXX 's tax return as a method of income verification. It was not an option until I spoke to a representative.
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check for {$1700.00} from my employer and my Chase bank is too slow to release the fund. I was told that it will take next month to be cleared. THis is too slow for an employee who lives paycheck to paycheck. With the new laws that enacted that allows electronic copy of checks for easier and faster transaction, how come it will take that long still ( more than a week or so )? I called the loss and prevention department and talked to XXXX ( customer representative ) and even though the funds were already taken out from my employer 's bank account it is still not being released by Chase Bank. Please help.
Consumer complaint received 2018-07-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC (TX)

Shellpoint Mortgage Servicing is trying to foreclose on property they have no authority to do so. They have a modification of a XXXX, trust that is not even notarized. As a debt collector they will not even request a notary copy from XXXX ; in order for a contract/modification to be valid it must be notarized ; however, these folks do whatever they want and need to be stopped, this is shear nonsense. Nevertheless, they are in violation of the Fair Debt Collection Practice Act ; for non verification of debts ; not ensuring the correct debt amount ; etc. Shellpoint has dual roles and accordingly to FDCPA ; if a debt is transferred or sold in default ; then they are debt collectors and need to comply with FDCPA. 

The difference between a REIT trust and a REMIC trust and this is a good time to explain. Even federal bankruptcy judges have failed to understand the difference. This has become a subject of confusion, because the rules are different. A REIT can accept promissory notes endorsed in blank, while a REMIC can not ( at least in New York and most REMIC trusts are under New York law. ) A REIT is a Real Estate Investment Trust. The REIT is an actual corporate entity. It is a business corporation with all the rights of any other corporation. On the other hand, a REMIC is not. A REMIC has no corporate powers. It is a Special Purpose Vehicle ( SPV ) which is completely passive. It is a pass through entity. It cant conduct business. It cant take on debts. It cant own physical property or even cash. It can only hold promissory notes and mortgages. ( if endorsed ),