davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

I am writing to address an issue with a recent money transfer I made through XXXX Money Transfer to XXXX, specifically to an account at the XXXX  XXXX XXXX. Below are the details of the transaction : Transfer Amount : XXXX USD Date of Transfer : XX/XX/2024 Unfortunately, due to an error in the account number, the funds were deposited into an incorrect account. The recipient account number provided during the transfer did not match the name of the intended recipient, yet the funds were still deposited into the wrong account. 

I believe the money transfer company should verify the account details before making a deposit. In a previous experience with another money transfer service, the transfer was not completed due to a mismatch between the account name and the account number. However, with this transfer, the funds were deposited despite the discrepancy, which is concerning. 

Furthermore, XXXX XXXX XXXX has not provided any invoices or confirmation of the deposit made and received by the recipient. This lack of documentation is problematic and hinders my ability to resolve the issue. 

I request your assistance in addressing this matter promptly and ensuring that the funds are correctly deposited into the intended recipient 's account.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX XXXX  # XXXX is reporting a charge off to my credit that I do not owe. This is past the statute of limitations in Colorado where I received the debt and I no longer legally owe this. I would like it to be removed off of my credit report.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

My checking account was closed sometime in XX/XX/XXXX. XXXX closed my account because my wife 's XXXX  relief funds from XXXX unemployment were deposited to my account. My wife 's name wasn't on the account therefore, me and my wife visited the Chase local branch in order to resolve the issue. They took copies of my wife 's passport, greencard, and social security card. Because it happened during the pandemic period, Chase was trying to verify the funds with the state of XXXX. Then a year later, Chase sent the fund amount of {$18000.00} to the state of XXXX on XX/XX/XXXX. I requested the claim or transaction number for that fund being trasfered to the state of XXXX Chase didn't provide me any information about our funds at all. Me and my wife were looking for our money for past XXXX years. Only thing I was able to get was the statement of my checking account from XX/XX/XXXX through XX/XX/XXXX right before the account was forecefully closed. I am so terrified about this incident. Because they took our money during the pandemic period, me and my wife gone through very tough times without the funds provided by the government.
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC (SC)

Between XX/XX/ and XX/XX/, Rocket Mortgage paid my homeowners policy 3 times due to the insurance agent 's negligence. The result was my payment going from $ XXXX to $ XXXX. I am XXXX, on XXXX XXXX and diagnosed with XXXX XXXX. I am unable to meet the new payment amount and have gotten past due. Rocket Mortgage had almost the entire month of XXXX to step in and correct the situation but failed to do so. I found out about XXXX of the situation, contacted rocket mortgage and made them aware. However, they knew of the issue around XX/XX/ or sooner as they sent a letter regarding the issue. 

Previously, Rocket Mortgage increase my monthly payment to $ XXXX claiming there was a shortage from the previous year. They do my escrow in XXXX and my homeowners isn't paid until XX/XX/XXXX. I complained to them, my new policy was $ XXXX less this year than last year and stated they were unable to do anything about the payment increase. 

Rocket Mortgage records all phone conversations. I would like transcripts of my calls from XX/XX/2023, to date. 

Recently, I received a Right to Cure letter that I must bring the loan up to date by XX/XX/2023 or be foreclosed upon. I am past due around {$1500.00} due t my inability to pay the $ XXXX. Rocket Mortgage has refunded the overage in my escrow account and applied it towards the past due amount but it is not enough. 

Since this, Rocket Mortgage has ruined my credit. I have had on account closed and another had its credit limit diminished. My credit score which was in the low XXXX is now XXXX.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C.1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may maken any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

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 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX car loan already paid XX/XX/2022. Repossion not taken off from all three credit reports. I have sent paperwork in the mail twice. They claim that they don't have information but I have gone to bank and they do have it. I am requesting it be deleted. 
XXXXXXXX XXXX  There are two accounts which I have been told no paperwork on file. 
XXXX has no longer any paperwork on this account. The only account mortage is XXXXXXXX XXXX. XXXX XXXX XXXX  XXXX has no paperwork in the computer, XXXX no account in the system.XXXX XXXX XXXXXXXX is seven years old. It has been paid. I want it deleted off reports.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

Mohela sent me on XXXX an Auto Debit payment Confirmation. which I believe is a Statement. The statement has a date of XXXX  But this was not sent to me until XXXX 
I was on REPAYE and was moved to SAVE. During this my tax filing status and number of dependents was changed from Married Filing Jointly with Three Dependents to Filing Single. This changed my payment from {$0.00} to {$370.00} a month. On XXXX I sent a message via Mohela website explaining their error and recieved a confirmation I would hear back in 3 days On Monday morning 9/25 I called and after 4 hours and three escalations I spoke with someone who understood their error. The CSR filed their error and said I would receive a response in 2 or 3 days. On XXXX  Mohela withdrew the incorrect {$370.00} from my account. I messaged requesting the correct calculation and a return of my {$370.00}. I have not heard back.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Hello, I have been having trouble with Mohela for more than nine months now. Starting in XX/XX/XXXXXXXX  I received numerous communications about re-certifying my IDR plan. When I contacted Mohela about the discrepancy between when they were sending me and what was recorded on the student aid website ( https : //studentaid.gov/manage-loans/repayment/prepare-payments-restart ) they attempted to force me to recertify via the phone. I was subsequently removed from my repayment plan in XX/XX/XXXX. I again contacted Mohela and told them that according to the federal student aid website all plans were supposed to be continued through the covid pause. Mohela then processed a recertification without my consent. I contacted Mohela again and told them I did not authorize that recertification and, requested they reinstate me back to my plan and payment amounts from XXXX  ( prior to covid pause ). I checked my payment information again, and my rectification date and both the date and payment amounts are still incorrect. They are blatantly telling me that they are not following the guidance from the federal student aid office, and that they are unaware of what information is provided to borrowers. The staff that answers any call ( after 3+ hours on hold ) is unable to do anything and even after promotion to a supervisor nothing is fixed.
Consumer complaint received 2020-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

My daughter and I tried to buy a XXXX puppy from XXXX XXXX XXXX, we agreed to a price of {$810.00} including shipping. We each sent {$400.00} via Zelle to XXXX. Upon getting the money, we were sent an email from XXXX asking for an additional {$1500.00}. We immediately asked for a refund of our money and that we were not interested in completing the transaction. We have not gotten our refund yet. 
The transaction occurred on XX/XX/20.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I was anticipating Mohela beginning to auto-debit my bank account, on a monthly basis beginning in XXXX, because payments are resuming in XXXX. I *WANT* to resume making payments because I am working towards PSLF. Mohela put my student loans into " Administrative Forbearance '' for the purpose of " processing '' something ( they did not tell me what they are processing ). While my loans are in Administrative Forbearance I am not able to make payments that count towards my 120 qualifying payments. 

However, because of how my scholarship was structured, I must make a payment every month, even if it doesn't count towards my 120 qualifying payments. This is because my old law school pays me a lump sum every year to cover my loan payments. If I don't may 12 payments in a year, I will owe my law school money. 

So I'm stuck in the position of being required ( by my law school ) to make a payment every month, but being prevented from making my monthly payment because Mohela put my loans into forbearance with no notice and no explanation.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ADIR INTERNATIONAL LLC (CA)

Over the last two months, I have made two payments of {$50.00} on a debt being collected by XXXX XXXX XXXX, and have not been able to be sent a letter in the regular mail or email confirming my payments and notifying me of my updated balance. This does not seem professional or legalally sound to assist a person who is honestly trying to eliminate a debt. They did not, and still have not, notified me that I could dispute the debt.
Consumer complaint received 2023-08-14
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: Resurgent Capital Services L.P. (AL)

I disputed unauthorized accounts being published on my credit reports with LVNV Funding LLC on XX/XX/2023 and XXXX, 2023. LVNV Funding LLC has intentionally failed to provide proper and legal validation of the debts. I have requested several times to provide the following legal documentation : XXXX. Your lawful authority to collect without my consent or XXXX. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature XXXX. An original contract between me and XXXX XXXX XXXX with my wet signature XXXX. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 

XXXX. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA. 

XXXX. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. 

I have not receiving any of the requested legal debt validation and the accounts remain on my credit report damaging my credit.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

I have asked MOHELA for specific information about a failure to discharge my qualifying student loan several times and have never received answers my specific concerns regarding the substantial delay in discharging my qualifying application. 

I would like answers to XXXX ( XXXX ) specific questions : XXXX. I had XXXX of XXXX qualifying payments at the time I submitted my XXXX application and employment certification in XXXX of XXXX with FedLoan - over 15 months ago. I want to know what MOHELA is doing to research the error that appears to have occurred when my application was transferred from XXXX to MOHELA and how they have communicated with XXXX XXXX this failure to review and discharge my loan. 

XXXX. As my loan should have been XXXX prior to the end of the COVID forbearance, I would like to apply for a refund of any interest that accrues while I wait for MOHELA and the XXXX to resolve this issue. My state considers student loan forgiveness to be income and the additional balance will be an added financial burden that I should not have to pay. Please provide this information. If an interest refund is not available, I would like a detailed justification of why I should be paying interest on a loan that more than qualified for discharge at the time I submitted my application in XXXX of XXXX. 

XXXX. The period of administrative forbearance approved for my loan is only through XX/XX/XXXX. I would like reassurance that administrative forbearance will be automatically extended if this issue has not been resolved by XX/XX/XXXX. Given the time my XXXX application has already been in review, this seems like a more than reasonable request. 

I would like a response to each of these specific questions. I will not accept an answer from MOHELA that only repeats their assertion that XXXX is responsible for the final review. MOHELA is the official servicer for XXXX applications and is responsible for addressing any errors or delays in processing applications. 

I have attached MOHELA 's Third Party Authorization Form to allow them to communicate with CFPB about my account.
Consumer complaint received 2023-06-16
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. (IL)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following XXXX XXXX  XXXX XXXX Account XXXX. XXXX XXXX XXXX  Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (WA)

This debt is now past the statute of limitations. The last payment made to the account was on XX/XX/17. That's 6 years and 6 months ago. The statute of limitations in Washington, where I lived, and South Dakota, where the company was based, are both 6 years. 
The time to collect has expired. I want this off ( ALL ) my credit reports immediately.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Chase claims to have sent a debit card to my address that never arrived. A few weeks later, someone used that card to withdraw {$1000.00} from various ATMs. I reported the fraud immediately to the company, but they denied my complaint, claiming the transactions were authorized. There is plenty of evidence that I could not have made those transactions, but they are not willing to reopen my case. 

Timeline : XX/XX/XXXX : I requested a new debit card from Chase. 
XX/XX/XXXX : Chase claims my debit card was delivered, which is not possible as they typically take 3 to 5 business days to arrive. I never received this debit card, nor did anyone else in my household ( my wife ). 
XX/XX/XXXX, around XXXX XXXX : I went to the Chase branch at XXXX XXXX XXXX, XXXX, NY, to request a credit card. I asked about my debit card and was told it was still in transit and would arrive in the next few days, so I decided to wait. 
XX/XX/XXXX, around XXXXXXXX XXXX : Two ATM transactions for {$200.00} each were made in New Jersey. 
XX/XX/XXXX, around XXXXXXXX XXXX XXXX Two ATM transactions for {$200.00} each were made in XXXX, NY. 
XX/XX/XXXX, around XXXXXXXX XXXX   : One ATM transaction for {$200.00} was made in XXXX, NY. 
XX/XX/XXXX, around XXXXXXXX XXXX XXXX A {$500.00} transaction was attempted at a XXXX ATM, but it was denied and flagged as fraud. 
XX/XX/XXXX : I was at my house in XXXX XXXX, XXXX, working remotely. I only left my house to go to Chase and the supermarket. 
XX/XX/XXXX, around XXXXXXXX XXXX : I received a text message asking if I had attempted a {$500.00} transaction at an ATM. I replied " NO '' and called Chase to report the fraud. 
XX/XX/XXXX : I received a resolution that my case is closed, and Chase will not be refunding the {$1000.00} stolen. 
XX/XX/XXXX : I went to the Chase branch at XXXX XXXX XXXX, XXXX, NY, to request the reopening of my case, as it is clearly fraud. I was told they would not reopen the case because the transactions were made with a PIN number. I am certain no one but me knows my PIN number, indicating there must be a security issue within Chase that allowed these transactions to occur. 

I have never received the debit card that was used for the fraud, and therefore, I could have done nothing to prevent this fraud. This is clearly a failure on Chase 's part in terms of security : either in the delivery of the debit card or in allowing someone unknown to activate and use a debit card that was not theirs.