davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NC)

My account was incorrectly reported 90 days past due on   XX/XX/XXXX . I filed a fraud package in  XX/XX/XXXX . After which, I called several times to check o n the status of the account, and I was told that servicing had been suspended and a credit bypass had been placed on the account until the dispute was resolved. I was told that I would be notified when the dispute was resolved and the next payment date, if applicable. I was never informed of the resolution of the matter and that servicing had been resumed until I called on   XX/XX/XXXX   at which time I was never informed about when the payment was due or that it had to be paid before    XX/XX/XXXX    to avoid negative reporting prior. Despite numerous requests o n  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  to obtain this information in writing via mail, I still havent rec eive anything. On     XX/XX/XXXX  when I called AES the last time, I was told that this information was sent to the borrower on  XX/XX/XXXX , but not the person that actually filed a fraud allegation against the borrower, which was me. Despite me opting not to receive electronic correspondence, on  XX/XX/XXXX  a  letter attached hereto as Exhibit A was sent to the paperless inbox entitled Loan Information for :  XXXX   XXXX  with a very cryptic message stating : This letter is in response to the to the Identity Theft/Fraud allegation.  The Guarantor of t he above-referenced loans disapproved the allegation based upon review of documentation. I was not aware of this letter until I spoke to the representative on     XX/XX/XXXX .  Accordingly, I was never given an opportunity to pay the past due balance ( which I should have been notified of since Im the listed as the co-signer ), which dated back to the time I filed the fraud allegation and was only due to servicing being suspended during the investigation. In essence, I was penalized for filing a fraud allegation due  to AES and the Lender failing to communicate the resolution of the case and when the payment was due. I also filed a credit dispute for AES erroneously reporting the  loans 90 days past due without notifying me the loan had even gone into repayment. I was informed today,   XX/XX/XXXX , tha t the information reported to the credit bureaus was determined to be valid, but I was not informed of a way to dispute the decision. In addition, I have still not been informed of the reason for the denial of the fraud allegation or the process for appealing, and AES will not send me another fraud package so I can resubmit the claim.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

We mailed a check in the amount of {$1000.00} to a vendor on     XX/XX/XXXX .   This check was stolen, endorsed & cashed by an individual at a  XXXX  branch. We then completed an " Affidavit of Unauthorized Endorsement or Altered Item '' form submitted by Chase bank on     XX/XX/XXXX . Sub sequently, we 've pursued our inquiry about the status of this claim monthly - but each time we were told that the matter is under investigation by  XXXX  and that  Chase  is still awaiting a response. Yet, today- a fter four m onths of waiting- we received a letter informing us that this matter was closed because we failed to supply them with " previously requested additional information. '' This  is incorrect- the 2 page  form emailed to us was completed, notarized and mailed as instructed. When we called  Chase to question this letter - they were unable to tell us exactly what was missing. Instead we were advised to resubmit the forms again. Which means they 'll commence this process over again. HELP!! Clearly, a check that was endorsed by an individual when it clearly was issued to a Company should never have been cashed. At this point, we believe we are being stonewalled in an attempt to thwart the return of our money or to discourage us from pursuing this further. Chase has refused to credit the money back to our account until the " investigation '' is completed. Chase states that the entire process can take up to 120 business day. But if we have to resubmit it will take an additional 120 days.
Consumer complaint received 2017-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Convergent Outsourcing,  XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX  (  XXXX  )  XXXX , is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money. At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX   ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports. Convergent Outsourcing is in violation of the following : Fair Credit Reporting Act Fair Debt Collection Practices Act Defamation of Character.   I have made several attempts to resolve this issue but the company indicates that they do not have the account in their records but it continues to appear on all  XXXX  of my credit reports.   Account #  XXXX
Consumer complaint received 2017-05-15
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. (FL)

I check my reports ever month. This month my Transunion report dropped me from a score  XXXX  to  XXXX . All the factors such as debt used, payment history, new inquiries, etc. were the same as last month. I spent over an hour on the phone with several people at the agency but got nowhere. The say they have different information and score but wo n't tell me any of it unless I subscribe to a {$9.00} monthly service. They can not tell me why they dropped my score by  XXXX  points and my factors changed this month or which ones did. Bu contrast  XXXX  has the same info and a score for the last year and still this month of  XXXX .
Consumer complaint received 2017-05-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (FL)

Ability Recovery Services is at tempting to collect a debt for  XXXX   XXXX . I have never attended  XXXX   XXXX . I have disputed this debt several times with all  XXXX  major credit bureaus and have yet to have anything sent to me verifying this debt. The tot al Amount Ability Recovery is attempting to collect is {$1000.00}. The original date of   delinquency being reported is  XXXX / XXXX / 2014 .
Consumer complaint received 2017-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My problems started when I got sick bank of america started to deny any help  2007 I   feel they discriminate again me because they alway have excuse for not helping me with with my morgage I have to pay a lawyer to get bank of america out of taking my house away they discriminate against me become I have  XXXX  and the true they they responsible for my   XXXX   and   XXXX   I did n't have this issues before I only had fiscal problems at the beginning my heath problems I was hoping to have  XXXX  and go back to work but they play with mi mind so much that I have gotten feel so badly that I have been in the hospital for trying to end my life I do n't understand why they can do anything they want and get away with it .I hold them responsible for any thing I can do to my self become of this fraud they are committed against me
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax has my personal information incorrect, so I can not get a loan, a place to live, and I have lost a hard job offer because of this. I have submitted certified copies of bills, birth certificate, and social security cards to them, and they " lost them. '' I have been on the phone for hours with people who do n't speak  XXXX .     XXXX   just performed an investigation and removed  XXXX  of  XXXX  charge-offs from my account. My credit score dropped  XXXX  points over night, and again, no one at   XXXX   can speak  XXXX  or help me figure out how removing charge-offs causes a  XXXX  point drop.
Consumer complaint received 2017-05-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I checked
my credit report ( XXXX ) on XX/XX/XXXX and showed I had a collection account listed. It stated lender was 12 Buckeye Lending Solutions showing date opened XX/XX/XXXX with status updated XX/XX/XXXX. I did some research and realized the address and contact phone listed on credit report was too XXXX XXXX XXXX ( collection agency ). I disputed account with XXXX and their dispute process was very vague and have been trying to validate debt with actual signature as I have no idea what this account was. I was advised it was a payday loan from XX/XX/XXXX, which seemed odd it was just reported to credit report XX/XX/XXXX. I advised XXXX to have account removed from my credit report as it is hurting my score to obtain a new home mortgage and dropped my score 20+ points.
I also submitted complaint to BBB regarding this issue with no resolution provided.
Consumer complaint received 2017-05-15
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. (NC)

I disputed an error on my credit reports called   XXXX   XXXX  . The debt is not mine. All   XXXX   credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me.   XXXX   XXXX   sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all  XXXX  of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.
Consumer complaint received 2017-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orions Management Group, LLC (AZ)

this company has called me several times threatening if i dont call them back they will take action. They never state where or why they are calling. They call several times a day. They also call my friends and family asking personal information about me. I have asked them what company they are with and they wont tell me. Repeat that 'I am hiding from someone and should be ashamed '' They have threatened to call my work place. The  Guy on th e other line identifying himself as  XXXX   XXXX  is very unprofessional and speaks to you very rude and disrespectful. He also states he sends mail to my house that I must respond to. I dont know what mail or even the name of the company he is with.
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

My wells  Fargo b ank account has been sabotaged constantly since  2007  by the  XXXX  organizations "   XXXX   XXXX   XXXX   '' I have been paying bills without my consent. the   XXXX   working in the bank are sabotaging my account. it is been reported to the Bank over and over again and the bank is been informed and the problem is being confirmed by the bank through statements and letters, but nothing has been done to prevent it. my debit card is been blocked only " which has nothing to do with the problem '' even my bill payments are being sabotaged by this people, the last  one  was payment directed to   XXXX   being sent to  XXXX  car insurance with which I have nothing to do anymore, just to tell me how helpless the system is in stopping the harassment of the organized religion.   please stop financial injuries that I have been going through since  2007 .
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (FL)

I w as sent 3 different c losure notices for accounts that were opened in my name. I have never been a customer of this bank. When I contacted the bank the said that the  XXXX  accounts looked like fraud. The accounts were opened with a  XXXX  balance, maintained a  XXXX  balance and then closed with a  XXXX  balance. All with in a months time.
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (IL)

Previous complaint resulted in case #  XXXX  and is closed but not resolved.     This  XXXX  account was opened on  XXXX / XXXX / 12  under my ex-wife 's name and address, but using my last  XXXX  SSN digits. There were {$280.00} charged in unreturned equipment, and {$100.00} in 'other ' charges ( service ). She called a few weeks ago, confirmed that this is her responsibility, and said she paid the {$100.00} and is making arrangements for the remaining amount. However, this is still showing as a collections account on my  XXXX  report and needs to be removed.     What do I need to do to have this account removed from my credit report?
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TX)

In response to complaint XXXX Discover Card failed to respond to written request for documentation and proof to support the data being reported to the XXXX credit bureaus. This account has been disputed initially with the XXXX credit reporting agencies and came back verified each time without any of the requested documentation to substantiate the data being reported to XXXX, XXXX and XXXX. CFPB closed the complaint on XX/XX/XXXX without resolution allowing my consumer rights to continue to be violated. The initial attached letter requested under the Fair Credit Billing Act copies of the following : Original Contract with signature, Copies of all billing statements from inception reported as XX/XX/XXXX, and Full Accounting of account since reported inception until reported as charged off and afterwards. Discover after 60+days has not provided any of the supporting documentation listed above or any proof that it provided to the CRAs during their investigation. If Discover Bank is unwilling, unable, does not have accurate records pertaining to the debt, then they must remove the negative information being reported monthly to the XXXX credit reporting agencies. In response to complaint XXXX Discover wrote a letter with no supporting documentation and attached a corrupted file that could not be opened. None of these documents addresses the initial FCRA 623 investigation. How can I or anyone else including the XXXX CRAs validate or verify the accuracy of the balance, status, dates opened, closed, payment status, etc if Discover can not provide proof of the information it 's reporting to the CRAs? Also Discover Bank failed to provide written notice to me that it that furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. Another violation of FCRA.
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I,  XXXX   XXXX  file this complaint as my right under the Fair Debt Collection Practices Act have been violated pertaining to an offer to modify a mortgage. Under a stipulation of this act from  XXXX   XXXX ,  XXXX , I must be offered a modification package, and it does not matter if the property is owner-occupied or an income property. The fact that we discovered a modification package was mailed to me in  XXXX  of  XXXX  proves that the mortgage servicer known as Nationstar Mortgage offered this modification as  a Tier II  program proves that multi-income properties are part of all national bank modification programs. I never received this modification request as it was mailed to a post office box I dis-continued in  XXXX . Nationstar Mortgage had to get the request back by mail if they indeed sent it. At all times Nationstar Mortgage knew my home address as  XXXX   XXXX   XXXX ,  XXXX , New York  XXXX . I have recently hired a law firm known as the  XXXX   XXXX   XXXX  to do my modifications on all my properties. I was able to procure a modification on my personal resident through this law center. Now my second home is scheduled for a foreclosure for  XXXX   XXXX ,  XXXX . I have no other remedy but to file for a personal bankruptcy to prevent this foreclosure from happening. Rules are now being enforced through the Consumer Financial Protection Bureau pertaining to the numerous vi olation of mortgage servicers on foreclosure protocol. I still have an open claim for principal reduction with the Office of Inspector General Federal Housing Finance Agency that  could eventually structure my mortgage debt within reasonable properly value. However, my rights have been violated by Nationstar Mortgage in its entirety. Accordingly, I make this request for intervention by the Consumer Financial Protection Bureau to enforce the recent mandates by said agency with   XXXX   XXXX   XXXX  . I was never offered a modification, and the matter should be resolved through the  XXXX   XXXX   XXXX . Accordingly, I demand that a modification offer be mailed to my home address or emailed to  XXXX  XXXX  XXXX . I believe that I am well within my rights on this request.
Consumer complaint received 2017-05-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MVBA, L.L.C. (CO)

I am a   XXXX   XXXX   XXXX    XXXX  Veteran. In   XXXX   I was taken to a hospital via  XXXX . Total bill : {$1400.00}. For whatever reasons the  Veterans Administration refused to pay the bill. Every few months I receiv e a new bill with threats of contacting my employer ( I 'm not employed/Unable to work ) and/or garnish wages. Under federal law they can not garnish VA Compensation. By reporting my bill to the credit bureau every few months the statue of limitations starts over. I have been told that they can do this to me for the rest of my life. So, for the rest of my life I will have this bad mark on my credit report. And, for the rest of my life each and every year they report it as delinquent the account is considered a new collections and the Texas State statue of limitations starts over. I have filed a complaint with the Texas Attorney General 's Office and I 've have contacted Texas Veteran 's Lega l Advisor a nd am currently seeking additional advice from the  XXXX   American Veterans Association of America.
Consumer complaint received 2017-05-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Funding, LLC is attem pting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money. And a bill from a purchased debt is not a Contract.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) thi s action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports . Midland Funding, LLC are  in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (AZ)

In  XXXX     2017 I r eceived a mailer fr om US BA NK stating the following : " Available nationwide, U.S. Bank is offering you a chance to earn a {$200.00} bonus when you open a new consumer checking account with direct deposit valid through  XXXX   XXXX ,    2017 wi th  promo code   XXXX . '' On  XX/XX/2017   , I called US Mortgage and spoke to a representative to explain the fine print On  XX/XX/2017    I opened my checking account online with USBANK.   I have since completed all the requirements and fine print, I waited the allotte d 6-8 we eks to receive my refund.   On  X/X/17    I spoke to various representatives and branch employees stating many different things from " we do n't offer that promotion '', " you need to wait more '', " your funds will be deposited on  XX/XX/17    ''.   On  XX/XX/2017   , I spoke to a representative named  XXXX  this morning and was told to wait some more.   This is a clear case of false advertising.
Consumer complaint received 2017-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I went to a n HSBC branch to cash a check from someone on their HSBC account. The teller asked me if I have an HSBC account. When I said no, he told me in order to cash their own check, they would have t o charge me {$5.00}. I told him that is ridiculous. He said there is nothing he can do.     I can deposit it in my own account in another bank to avoid the charge, but this really punishes poor people who can not afford bank accounts. It is an outrageous abuse.