davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am XXXX  and I opened my account in the bank of america in XX/XX/XXXX, I left my account practically without movement until the day XX/XX/XXXX when I made sale of assets for two different American people and I received in my account my sale, following the procedures transfer of the bank ( via XXXX ) secure payment system with which the receipt is made by the depositor and the receipt by email your confirmation of deposit to be released to the creditor, in this case I received within the existing banking system and confirmed in account, on XX/XX/XXXX I received the misfortune of my account being blocked, I called several times and with no one to solve my situation and only say that it is analize about ( fraud ), after spending a few more days with different information and disagreed on XX/XX/XXXX say that my account was going to be closed, I requested my money with which the value I have taken into account XXXX dollars and I was informed that they do not have XXXX money!!! how can a bank that we open account to take care of our patrimony and comes to his client withdrawing his funds his access to what is his right and retains his funds!!! I have never had a problem at this level in my country or any other bank I have spent, I need my money I am a good citizen, I am being robbed, feeling disquieted and humiliated by this institution, I request that you intervene in this company to receive my funds. If you have a problem in my receipts this problem is in the bank system I can not be penalized for a failure ( if there was ) that I'm sure did not have, but if there was this problem is the bank and not mine
Consumer complaint received 2018-08-06
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: IQOR US INC (CA)

XXXX attended XXXX College between XX/XX/XXXX and XX/XX/XXXX while he was in the XXXX. He reached out to the university via email, which told him that his XXXX XXXX XXXX would cover tuition. After enrollment, XXXX told him that his XXXX XXXX would not cover tuition, and that he had to take out federal loans. XXXX took out loans to cover tuition. XXXX encouraged XXXX to take out private loans as well, claiming the federal loans were insufficient to cover tuition. XXXX also presented a private loan as a refund to XXXX, who was unaware he would owe student loans by accepting the so-called refund.
Consumer complaint received 2018-08-06
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (FL)

On XX/XX/2018 I purchased a Western Union money order. The money order was never received by XXXX XXXX to whom the money order was sent. I mailed the original receipt ( as instructed ) and {$15.00} check ( which was cashed ) processing fee to Western Union. The refund, has not been sent. Customer service tells me they can't find the information. And various other excuses. I believe Western Union is  taking advantage of the less fortunate people that use the Money Order system to wear them down and keep their hard earned money. I would like my refund and request that an investigation be conducted by the Federal Government into this situation. How much money does Western Union keep from innocent people that just don't have the means to fight back. Re : Money Order # XXXX Amt. {$260.00}. Processing fee sent on XX/XX/2018. ( CASHED ).
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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
Consumer complaint received 2018-08-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Arbor Professional Solutions, Inc. (MI)

This complaint involves three companies regarding the same debt : the original creditor, the collection agency hired to collect the debt and the law firm hired to take me to court.. 

Approximately 1.5 years ago I saw an account on my credit report for the amount of XXXX listed under a collection agency called XXXX XXXX XXXX XXXX. 

I called XXXX XXXX XXXX XXXX to inquire about the debt, they advised me that it was for a towing company called XXXX XXXX XXXX  in XXXX XXXX michigan. I updated my location information with the agency and requested validation of the debt be sent because they could only tell me the debt was for XXXX XXXX XXXX  and could not tell me for what vehicle, just that i owed a debt and demanded payment in full over the phone within the debt validation period. 

I called XXXX XXXX XXXX  directly for more details and they said i am listed with a collection agency and to call them and hung up on me. So the collection agency never validated the debt and the original creditor refused to answer any questions therefore the debt remains unpaid. 

XX/XX/2018, I received notification that i am being sued by XXXX XXXX XXXX  for for XXXX, the law firm handling the claim is XXXX, XXXX XXXX XXXX XXXX out of XXXX michigan. I contacted the firm and told why the debt was never paid and that and that validation of debt was never provided. they did not care. Despite reciting the mini miranda to me they then said that they are a law firm and dont deal with disputes or FDCPA practices which is false and missleading. 

My complaint is that I originally requested validation of the debt and i would have paid this when after receiving validation of debt. Pretty much, no one cares or complies with the FDCPA these companies think its a joke and remain unchecked. Had ann arbor professional solutions sent the debt validation when i requested it over a year ago this all would have been avoided. I do not feel protected as a consumer. I have just paid this debt, which still remains unvalidated along with legal fees in order to avoid having a judgement on my credit report. 

Summary Statement : As a consumer, my credit has been held hostage with the threat of having a judgement against me and wages garnished without the the debt being validated. Per the FDCPA, a collector may not demand payment or take legal action within the debt validation period, the debt was never validated therefore the debt validation period is still in effect. Keep in mind, I never received a first notice, it was i who seen the debt on my credit who inquired and tried to resolve debt. 

XXXX XXXX XXXX solutions contact info:XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX PHN # XXXX ( collection agency ) XXXX, XXXX XXXX  XXXX XXXX contact info : XXXX XXXX XXXX, XXXX   XXXX, XXXX, MI, XXXX XXXX XXXX XXXX contact info:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI , XXXX
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I answered an online add on or about XX/XX/2018 from XXXX XXXX XXXX claiming that I could save on my mortgage payments. I completed the online application. The site said that, if they couldn't offer a lower my rate, I would get a " prepaid {$250.00} Visa gift card. '' Please see the attached screen shot of this claim. 

I presently have a loan that I recently got at 3.40 % for {$430.00} K, paying {$1900.00} per month, fixed for 30 years. 

The answer I got on the online site was, as you can see, that my payments " could be as low as {$8000.00}! '' I called the number on the website and first spoke to XXXX in XXXX, MI. He then transferred me to XXXX at XXXX. I told him that his company should send me the {$250.00} gift card. He said, " Oh, that was only for loans to be funded only after XX/XX/XXXX of this year. '' I reminded him that there was no  mention of that date on their advertisement, as one can see from the attached webpage.
Consumer complaint received 2018-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC (GA)

On XX/XX/XXXX I, XXXX XXXX went into my bank account with XXXX XXXX  and noticed heavy activity in two personal accounts of mine. Both personal accounts were depleted. In account ending in # XXXX they took out over {$1600.00} plus {$75.00} legal fees with now a minus {$800.00}. leaving it as {$2400.00} and in my other account ending in # XXXX they put a hold and minus on the account for {$2400.00}. 

I received a copy of the CFPB Law Suit with XXXX, Cooling & Winter and I have a judgement against me from Cooling & Winter filed @ the XXXX County Court house which in XXXX Cty which I know nothing about. I have called them and to no avail they have yet to give me anything other then harass me and hang up on me. 

I'm at a loss for words. I'm out money that was helping me live, I was paid by clients, and past income. No contact by the bank to tell me this was happening or that there was a judgement against me and now they have doubled what they say I owe them in the documents uploaded. 

I never knew anything about this. No one informed me about if there was a " debt '' and if I look up my credit report it clearly gives me a good standing credit rating of XXXX as of XX/XX/XXXX. I never received an email, a letter, nothing. 

I'm told after looking through paperwork and hearing from my Business Lawyer ( spoke to the firm just to ask what they thought ) that this stems from XX/XX/XXXX, 13 years ago. Isn't there a statute of limitations? In all the time I have lived in XXXX and here in XXXX County GA now I still don't know anything. 

I need your help because if this is all about Cooling & Winter and I'm a part of that without knowing anything more what's a girl do. I can't open another back account somewhere else until this matter is resolved. Please help me
Consumer complaint received 2018-08-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MN)

I had a private loan through XXXX XXXX/XXXX XXXX that I was paying off monthly ( payment of $ XXXX- {$130.00} per month ) in XX/XX/XXXX-XX/XX/XXXX. My loan was transferred to XXXX several months ago. I believe an error was made during the transfer of the loan. XXXX is telling me my repayment plan is interest only and that my monthly payments are approximately {$210.00} per month. I never received notice of any change to the terms of my loan. 

Ive made several payments to XXXX over the past three months simply to avoid further damage to my credit. Ive emailed XXXX 4 times, asking for an explanation of these monthly payments and requesting the original loan documents. They have told me I will receive the original loan documents within 7 to 10 days. They have not sufficiently explained the change in my payment plan or provided documentation regarding the change. 

Today, XX/XX/XXXX, I called and spoke with a XXXX representative. I explained my concerns and he not only would not substantiate the change in my loan payment status, he argued with me and was very condescending. He told me that I had to provide documentation regarding my payment plan with XXXX/XXXX. I told him that I would not be making any further payments until I can confirm that this is indeed my loan and someone provides me documentation regarding the terms of repayment. 

I logged on to the XXXX  website and could find no record of my loan with them, or a payment history ( oddly enough, however, my non-private loans, which were consolidated and transferred to Nelnet, do appear on the XXXX  site ). I emailed XXXX and asked that they send me the original loan documents and my payment history. They have not yet responded. 

I am troubled that I can not find my loan on XXXX site. I had issues with my federal loans ( when XXXX was still XXXX  ) a couple of years back and had to enlist the help of the Dept of Ed Ombudsman Group and the MN Attorney Generals Office to resolve those issues. There should be  documentation of my loans and payment history ( I do have evidence of my payments to XXXX/XXXX  in my email and my bank records, as well as tax documents ). I am concerned this is not my loan. If it is my loan, XXXX should be able to provide documentation about the terms of the loan. I would never have agreed to an interest-only payment plan. I am worried about the negative impact this has or will have on my credit. Finally, I am once again astounded by the deplorable customer service of yet another student loan servicer. I have asked for assistance in understanding whats happening here and rather than working with me and offering me information or additional resources, I am being talked down to and given the runaround. It should not be on the consumer to provide information regarding the previous terms of loan repayment to the new servicer. They should have this information, as should XXXX, and it should be readily available to me. 

Thank you.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called transunion last week after sending in numerous inquiry removal letters through certified mail for the last past couple months. All the other credit beaus removed the inquiries, but transunion is not removing them. So I called last week the beginning of XXXX and spoke with a young gentleman about the process that i was taking and the reason and nature of my call, and he explained to me that there was nothing the he could do and that I would have to write more letters along with another form and sen it in all because the letters sent was not going to do anything. Being aware of the credit rights I explained to the gentleman that once the inquiries were wiped from the other reports that transunion was suppose to do the same. He further explained to me that this was incorrect and that he could not accommodate my request.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

Dear Freedom Mortgage, Your correspondence dated XXXX XX/XX/2018 the postmark was not applied tell the XX/XX/2018. We are unable to determine when it was actually provided to the US Mail service, as the postmark is not canceled. 
Your correspondence denotes the use of bill pay of which is not used by the borrower. Thus highlighting the fact you are not understanding or reading the correspondence sent to you. Your correspondence states that enclosures are with the correspondence but there are none. As you received payment for XX/XX/2018 and failed to credit the payment thus causing a late payment in XXXX and XXXX the late payment is due to your actions not the borrower. Wherefore the payment did and was verified to have made to your bank account thru your action of depositing the check, you did receive payment. Therefore your actions of demanding a late fee '' and inspection fee '' are fraudulent. You have had sent to you copies of the canceled checks for the month of XXXX and several months prior to XX/XX/2018 showing that you did in fact receive payment. Your choice to ignore the fact you did receive payment and make claims of late payment to credit agencies to damage the barrowers credit represents your flagrant dishonesty. All contact shall be thru correspondence.

Freedom Mortgage shall provide to the borrower thru the US Mail an FULL accounting of all funds received and dispersed from the inception of Freedom loan # XXXX ( XXXX XXXX # XXXX ) showing how each payment was applied to the principal, interest, escrow, taxes and all other disbursements made. All disbursements shall be clearly described. The description shall not be deceptive, the term fee or other shall not be used.
Consumer complaint received 2020-08-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I tried to transfer money from my Chase bank account to my XXXX XXXX  account. I had to set up an external transfer since I didn't have one before. Once everything was set up, I transferred {$5.00} from Chase to XXXX on XX/XX/2020 to see if the account has been set up correctly. Everything looked fine, so I transferred {$1900.00} on XX/XX/2020 from Chase to XXXX again. XXXX showed they received {$1900.00} on XX/XX/2020. Per Chase 's request, I had to go to a Chase branch in person to make this transaction happen, which I did. Chase told me the verification had been done and the transaction should be complete in a couple of days. Somehow my XXXX account was deducted {$1900.00} ( including {$5.00} transferred on XX/XX/2020 ) by Chase? The transaction was never made!! 

For a very simple transaction Chase made is super hard and helpless!! I went to a Chase branch they told me it may take some time to see the transaction because of Covid-19. I called Chase customer service and they told me the transaction had been completed from their end and nothing they can do about it. They told me to call XXXX instead. ( I had to hold my phone call for long time and they transferred me to different dept and NO one could give me the right answer ). I called XXXX they told me Chase who is the one took out the money from, I should talk to Chase!! They both kick me like a ball and they can't help. 

I have filed a dispute with XXXX. I have not heard anything.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-09-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

The home was purchased in XX/XX/XXXX. The original mortgage was transferred to XXXX XXXX and ultimately to Wells Fargo. In XX/XX/XXXX, the owners received an unsolicited visitor who promised to reduce their interest rate from 7 % to 6 %, one free month mortgage payment and provide {$2000.00}. Mr. & Mrs. XXXX never received any further documents or funds. Also, it appears this was a second mortgage for over {$85000.00}, which has been consolidated with the original with a maturity date that has changed from XX/XX/XXXX to XX/XX/XXXX. In  addition, the monthly payment has increased. 

Wells Fargo was recently contacted and is in the process of researching originating documents. They told the homeowners a follow-up will be made by XX/XX/XXXX. 

It appears there was a discrepancy on the mortgage note filed with the County of XXXX. 

The homeowners are seniors and on a fixed income. The current monthly mortgage payment of {$1900.00} is causing a hardship that they will note be able to keep for very long. 

Additional assistance is needed.
Consumer complaint received 2018-12-12
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their ivestigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX, XXXX  and XXXX.