davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (NY)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly 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 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Windham Professionals, Inc. (MO)

I received an initial notice from Windham Professionals Inc dated XX/XX/2022 advising me I had XXXX days to respond to a debt before derogatory credit reporting was done. I responded with a request for validation of debt dated XX/XX/2022 ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns aren't addressed expeditiously
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST INTERSTATE BANCSYSTEM, INC. (IA)

I opened my {$1000.00} limit credit card with the bank in XXXX of XXXX. In XXXX of XXXX I received a call that my card had been shut down due to a merchant compromise that included my card information. The rep informed me that they would mail me a new card. Due to having reached my limit on the existing card I did not activate the new card. I had given my old card to my ex spouse because I thought the card had been closed. My ex spouse needed a card on file for an account and that was one I thought could be used without making charges. Over the span until XXXX of XXXX, transactions were still allowed to be processed on the card. I later found, after the account was closed out that this card was also my default card for mobile payments and I had initiated transactions as well had my ex spouse. By XXXX the account had over {$11000.00} dollars due. While discussing this situation with the bank I was accused of credit card fraud by deliberately making NSF payments. This is not the case, as their online banking system allows for payments to be canceled after initiated. I had initiated a minimum payment to the card on XX/XX/XXXX. I promptly canceled the payment within minutes due to the amount being much higher that I usually pay and submitted a payment for my usual amount. That is when I noticed the balance. I attempted to call the company to get my account closed, but I was informed it already was. I thought nothing of it and continued making payments as I had before. In XXXX I received a letter that my account had been closed due to NSF payments being made. This, again I thought nothing of, because the account to my knowledge was already closed. When I visited Montana, I brought the card with me and made a transaction using the physical card as an experiment. I presented the receipt to the banker and informed them of the situation. I was informed that there was nothing that could be done about the credit reporting and that I would need to continue to make payments of 3 % of the principal balance going forward.
Consumer complaint received 2020-04-10
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. (IN)

Good afternoon my girlfriend checked my credit for me and said I had these accounts on there that belong to someone else. They are using my identity without me knowing who it is and I want this to be handled by you. Please help me get this stuff removed from my credit at your earliest convenience.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (NY)

-8/23/19 Lost wallet and ID document, SSN, Driver license, XXXX card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXXn debit card , XXXX ID and Driver license, 1 XXXX XXXX credit card. 

-Replace all lost documents XXXX Notice from XXXX XXXX XXXXPD Detective about debit cards ( XXXX XXXX XXXX XXXX , XXXX , Discover bank ) that founded from arresting XXXX XXXX at XXXXPD XXXX XXXX : notify call center about the issue and verify ID. 

XXXX receive letter form Discover Bank . 

XXXX sent the letter provided proof of identity, Identity victim 's complaint and affidavit and XXXXPD police slip via website https : //www.discover.com/online-banking/secure-document-upload/.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

I was XXXX, XX/XX/XXXX when my car payment was due, I had my ( then ) girlfriend, ( now ) ex girlfriend do the transaction for me so I don't get my car repossed. when I got out I usually go over monthly expenses to see what im behind on when I did I found a transaction on my XXXX account I didn't authorize at all I contact chase to tell them and they said take it up with her, it was a mistake to trust a somebody but anybody can try to get over on you, even family! the transaction was for XXXX dollars and chase is putting up a fight for my money that's not even a lot of money
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (GA)

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account name : XXXXXXXX XXXX XXXXXXXX. Account # : XXXX. Delete XXXX FOR REPORTING INACCURACIES. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. transunion and XXXX did not and are in current willful violation of my rights! Transunion and XXXX, did not complete the investigation in the allotted time of 30 days. I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 36 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Consumer complaint received 2022-04-13
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (MN)

We initiated a reverse mortgage XX/XX/2021 from AAG. We had been told that we would have access to our home equity to pay off a few debts and make some improvements to our home. Instead, without our understanding or approval, AAG removed access to our equity and instead will use our equity to pay our homeowner 's insurance and county taxes for the remainder of the loan. 
The last thing that our Loan Administrator at AAG told us before the closing was that he submitted our account without the hold on our equity. The closing was done by a notary in our home and we were told by him that he would not be able to answer any of our questions. The closing paperwork was over 250 pages. 
Within a couple of days, we did being to read the closing paperwork and suddenly realized the kind of loan we actually received. 
When we called AAG to discuss this, they said we went past the 3 day period to reject the loan, which again we didn't know anything about a rejection period, and so there was nothing they would do for us. 
We have tried to talk to managers and other higher level personnel at AAG but got no response as to what set us apart from other people. Our credit report is very good and we see no reason why we have been singled out for this change in the loan as we were promised. 
Your help in this matter is greatly appreciated. I look forward to hearing back from you. I am happy to provide any additional information you may require. We can only come to the conclusion that the reason for withholding our equity is that of my husband 's XXXX  as there doesn't seem to be any other reasonable or logical explanation. 
Also, we have submitted a complaint about this to HUD. XXXX XXXX is our contact at HUD and he was the one who sent us this link to your website for us to file this.complaint.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc (CA)

The background check company Checker, has not only relayed false information to a potential employer regarding my Motor Vehicle Report. The information they relayed is that 1st ; I have no license. 2nd ; my drivers license is suspended. 3rd ; That I have a failure to appear in traffic court for a moving violation. 
This is completely inaccurate information that has been relayed to a very prospective imployer.
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

I pay monthly mortgage payments including escrow to NewRez. Last year, in XX/XX/XXXX, 'Shellpoint Mortgages Servicing ' purchased my mortgage under the name of 'NewRez LLC ' . For 6 years the previous mortgage company 'XXXX ' ( XXXX XXXX XXXX XXXX XXXX ) had always paid my County Real Estate Taxes and Homeowners Insurance on time through my escrow account with them. 
NewRez LLC did not pay my Homeowners Insurance when it was due XX/XX/XXXX of this year. When I received a card in the mail from my insurance company that my policy 'would not renew '. I contacted my insurance agent and with some research she said my policy premium had not been paid. I explained that it was supposed to be paid by my mortgage company through my escrow account. That same day my insurance agent contacted NewRez and gave them all the information they needed to get this paid including the amount. She later sent me an email saying the lady at NewRez said they would overnight the payment to the insurance company. 
Since it was XX/XX/XXXX and my policy premium is due today my agent said my coverage could lapse if it's not paid by the end of the day. I can either take a chance for a couple of days or I could go ahead and pay it and then get refunded from my insurance company once they received the escrow payment. I didn't know why it had not been paid but did not want my coverage to lapse so I had to pay the insurance company with a personal credit card to keep from being without coverage until they received payment from NewRez. 
I contacted my insurance agent around XX/XX/XXXX about my refund from the insurance company for the payment I made with my credit card. When she contacted the insurance company to inquire about my refund, she was told that NewRez had only made a partial payment and not the full amount of the premium. The premium amount was {$870.00} and NewRez only sent {$700.00}. I then called NewRez myself and explained the situation. After being on hold for a while, a lady told me the remaining {$170.00} is being issued for payment on XX/XX/XXXX. 
On XXXX XXXX I contacted my insurance agent once again to see if the insurance company had received the remaining payment from NewRez so I could get my money back from my credit card payment. After checking she said they received it yesterday on XXXX XXXX. 
Finally, on XX/XX/XXXX NewRez, the company that purchased my mortgage XX/XX/XXXX, had paid my homeowners insurance premium from my escrow account three months late because it should have been paid in XX/XX/XXXX for a due date in XX/XX/XXXX.
Consumer complaint received 2023-06-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (DE)

I was told on XX/XX/23 my lawyer would be contacted in reaction to the attached check for {$50000.00} however he was not contacted and asked me to re-open the complain with the CFPB. 

I was told on XX/XX/23 by XXXX XXXX that Chase has the money in their Suspense account and would be returning the money to me after their legal team reviewed the necessary documents from XXXX XXXX. 

Unfortunately Chase has stopped responding to me and I need to have the matter reopened per my lawyer.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America is denying my claim without proof from merchant, which violates EFTA and regulation E governing disputed transactions. During the dispute process, the merchant needs to provide proof the transaction belongs to the card holder. The bank claims the charge is mine due to a time delay in disputing the charge, which is there new excuse for not abiding by regulations. 

I called the claims department and was told I had to provide proof the transaction was unauthorized. I dont have proof because I dont have an account with the merchant.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CT)

My account ( XXXX ) with Discover have been on hold since XX/XX/XXXX due to suspected fraud activity which I believe is due to check in the amount of {$690.00} deposited in XXXX of XXXX, issued to a cousin with same name whom uses the account opened using my social security number. As explained in prior complaints, account was opened using my information because the relative is unable to open accounts due to credit issues. The check was deposited using my account, issued under his name by XXXX XXXX. Currently, funds are not in the account, which I believe Discover is attempting to recover and thus, placed a hold on account. Discover appears to have received information regarding check as fraudulently cashed, the relative may have submitted information to XXXX XXXX indicating so .... I've reached out to relative, confirmed he is confused about check. Previously, I attempted to reach Discover rep to provide this information, unable to reach by phone. Further, Discover rep appears to refuse to answer further complaints in re, claims to have addressed complaint ( XXXX ) in which information above was not provided.. With information provided, I request any remaining funds in accounts sent via check.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

XXXX refuses to update. I files ftc reports against them. I have automatic payments on my account it closed and automatic paymnets where still set upupdated but XXXX and Equifax refused I was never late I had automatic paymnets
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background (KS)

On my background check report from accurate it states on XX/XX/2019 I was suspended for failure to comply with financial responsibility. There is no such charge, it states my driver 's license was suspended. It was renewed XX/XX/2019 and has been VALID EVERY SINCE! THIS IS FOR XXXX COUNTY KANSAS XXXX : XXXX XXXX : XXXX XXXX : XXXX
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

For years, my wife and I have had a first mortgage on my home. The mortgage has always been current and always with timely payments. Initially the lender was XXXX XXXX. Several years ago, the loan was assigned to XXXX, now called XXXX XXXX XXXX. By letter dated XX/XX/2020, entitled Notice of Servicing Transfer, we were advised that, effective XX/XX/2020, the servicing of the mortgage was being transferred by XXXX XXXX XXXX XXXX  XXXX to XXXX XXXX XXXX XXXX. Indeed, I sent the XX/XX/2020 mortgage payment to the new servicing agent. 

On XX/XX/XXXX, I checked my XXXX and XXXX XXXX credit scores with XXXX XXXX and discovered that XXXX  had lowered my credit score by 56 points and XXXX XXXX by 55 points, the reason being that my account with XXXX XXXX XXXX had been reported as being closed. My account with XXXX XXXX XXXX was not closed, it was transferred, presumably as part of a business move by XXXX in transferring the servicing on many of the loans in their portfolio. The action by XXXX  and XXXX  was arbitrary, capricious and inaccurate as the transfer of the servicing rights should have had no effect on my credit scores. I am asking the CFPB to impose maximum sanctions and penalties against the two credit reporting agencies and to conduct a complete investigation as to how these agencies determine credit scores. This action by them severely affects me and must be reversed immediately.
Consumer complaint received 2020-04-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

Nelnet has been continuously negligent by providing false information on numerous occasions. IN CFPB Case ( Withheld ) Response they failed to answer FCRA legal request and provided incorrect loan payment amounts. Payment amount in case was stated as a higher amount than due on website. This is illegal under FDCPA by trying to collect more than is due at any given time. Nelnet has continually breached it's Federal Contract, which it has not addressed in any claims, failed to respond to open records request for information, provided information as Department of Education wen in fact it was Nelnet in behalf of DOE, continues to provide misleading, and incorrect information. It has reported incorrect information to CRAs repeatedly. The CFPB and Department of Education continue to ignore this gross misconduct even when provided with information from solved disputes from CRAs where Nelnet was at fault of giving incorrect information. This is clear evidence of negligence and collusion, which is now gross misconduct. This should be brought to class action Status based on similar claims of misconduct and reviewed by Senate Oversight Committee responsible for Government Contract with Nelnet.
Consumer complaint received 2022-01-12
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXDate of inquiry XX/XX/XXXX