davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

'' We placed {$1300.00} in suspense on XX/XX/XXXX, because we needed to verify two items deposited into your account prior to the closure. 
We were able to verify the items on XX/XX/XXXX, and we mailed a check for {$1300.00} on XX/XX/XXXX, to the address we have on file for you. '' Why it took many years to verify 2 deposits? 
This is the normal time needed? 
Why does it take you many years to verify only 2 deposits? {$1300.00}. It was only 2. Had it been 3 or more, how many centuries would it take you to verify? 
Had I not resolutely kept on jpmc, workers sm XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. It would have been more years, as obviously jpmc workers had been just ignoring it. 
I spoke with rs Worker XXXX about the most recent distribution, which XXXX ignored, never taking care of it. 
It was easier for all workers to just ignore it. 
All other coworkers ignored it, still had a job, got promoted, why not them too, right? 

''Our associates have made repeated attempts to contact you and gain clarification of any further concerns you may have about these transactions. '' Lies. 
Untrue. 
Workers sm XXXX XXXX XXXX, XXXX XXXX XXXX all had my telephone number and e mail address, methods to be in touch with me. Though their contacts were useless meaningless and unwilling contacts for show. 
None truly willing to get any mistakes of XXXX XXXX righted, taken cared. 
Workers XXXX XXXX, XXXX XXXX had repeatedly attempted to avoid, ignore me. 
Worker XXXX XXXX ignored my e mails. 
These all had my e mail address and telephone number. None contacted me later when nothing was ever done
Consumer complaint received 2019-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CT)

Numerous CFPB complaints have been filed pertaining to unauthorized accounts and fees charged to them. I reasonably requested a refund in the amount of {$610.00}, this amount reflects prior remedy refunds received. Wells Fargo responded by mailing me several mediation request forms, a total of four were filled out, requested refund in the amount of {$610.00}. XXXX XXXX with Wells Fargo contacted me, offered a settlement amount of {$3700.00}, which was accepted in XXXX. It is now XXXX, no payment received, I am now making additional requests for refund in the amount of {$610.00}. Wells Fargo rep by the name of XXXX XXXX replies via CFPB portal claiming to have made numerous resolution attempts, exhausted all resources, etc.. His reply is a duplicate, still has not mentioned one such attempt at resolution. It appears he chooses to submit a general form reply and use it as a duplicate to avoid going in to any supposed attempts at resolution, knowing they are false.. I can assure the CFPB his claim of making any attempts at resolution is entirely bogus, a lie. I have not received any contact from Wells Fargo since XXXX, no calls or emails from anyone attempting to make resolution. I spoke with an attorney, was advised to inform the Federal Court of Wells Fargo bogus settlement offer, also to file a small claims suit. That being said, I emailed the attorney for the class, informed him of what happened. Prior to this, I attempted to resolve this matter directly by calling Wells Fargo corporate officer, a total of three calls were made ... .I spoke with two reps by the name of XXXX XXXX a third by the name of XXXX XXXX all of whom could not locate any cases under my name or notes thereof. On the third call, I attempted to reach XXXX, the rep could not locate him ... In closing, I wish to reiterate any claims of attempts at resolution by Wells Fargo are 100 % false, a lie. Their only contact with me was through XXXX XXXX whom offered a bogus settlement, did not send any payment, nothing received to date.. Further, Wells Fargo is fully aware of resolution, which is to refund {$610.00} since they did not honor settlement offer..
Consumer complaint received 2018-03-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

THIS DEBT WAS INCLUDED IN A CHAPTER XXXX AND CAPITAL ONE CONTINUES TO SEND ME EMAILS TO COLLECT AGAINST THIS DEBT. CAPITAL ONE WAS NOTIFIED AS A CREDITOR AND THEY CONTINUE TO SHOW THE ACCOUNT AS OPEN AND PAST DUE ON MY CREDIT REPORT.
Consumer complaint received 2019-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-XXXX XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. 
There were/are multiple notifications by the alleged student loan servicer-XXXX for overpayment from my bank account. Yet the alleged student loan servicer-XXXX   continues to take this money automatically from my bank account and continues to record non-payment of this private student loan with late fees. 
This willful fraud was conducted, since the inception of this private student loan The alleged student loan servicerXXXX continues to Defraud and Create a Fraudulent Loan Balance of this private student loan with Late Fees, even after taking illegally withdrawing Excess Funds from my Bank Account XXXX XXXX and Trans Union reported Fraudulent Loan Balance of this private student loan and violated FCRA without proper verification of the Loan Balance of this private student loan, even after two ( 2 ) previous requests.
Consumer complaint received 2021-12-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

modification in XX/XX/2020 PA code 59.13 in relations to reasonable diligence was violated when i timely provide record of everything required for a modification was denied for timeliness of documents even though it uploaded and I emailed it to support my record and less than 90 days later i was offered another attempt at the same modification I then supplied updated financial information and all other information was good to go yet Mr. cooper needed another XXXX ( valid for 120 day ) and a authorization for XXXX ( same information ) and different criteria from the same loan months prior another affidavit another XXXX XXXX app done again WHEN they were the one at fault .. How can i supply you with emails of record and upload them and Mr cooper said they never received them but my email Shows when Mr cooper got them within the required time defined in this legal section Mr cooper has never taken into consideration the harm of not knowing what to expect or how to make informed decisions when one is at the brink of foreclosure and its very alarming. In this pa code 59.13 there is a subsection iv ) Facially complete application : and i met all those conditions in XXXX and my very last attempt this year ( when i stopped submitting my documents i then FILED WITH THE CFPB, XXXX XXXX XXXX XXXX XXXX  ) So while i wait for " justice '' and this was ignored Mr cooper Runs out the clock and leave me with tackling a unfair amount that should have been negotiated XX/XX/2020 but Mr coopers Mail box didn't work at that time And this last attempt IS Mr Coopers gross negligence after their " charity forbearance '' My DOCUMENTS were sent on time and anything Missing would have been rectified the second time Mr cooper has purposely been evading to evaluate me on time and then ask me for information in a short period of time where there is no reasonable way it can be achieved .... I'm Flabbergasted that MR COOPER THINKS THAT I DONT KNOW THE PROCESS AFTER ALL THE PROCESSES IVE BEEN SUBJECTED BECAUSE OF MR COOPER XXXX TO ADMIT A MISTAKE time after time after time. BUT THATS NOT REDUNDANT
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (TN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TN)

My mortgage was recently transferred from XXXX XXXX XXXX # XXXX, XX/XX/2021 to Selene Finance. Selene recently contacted me to discuss my mortgage being delinquent, but I am currently in a forbearance. I was affected by XXXX and requested a forbearance with XXXX XXXX my servicer at that time, it was approved. My loan servicing was transferred to Selence while I'm currently in the forbearance. Selene customer service contacted me stating their servicing records showed I am in default with my mortgage and Selene Finance had not approved a forbearance for my mortgage. 


See Attachments
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I have a XXXX XXXX XXXX Bank account that is supposed to be helping my credit as it is a secured credit card instead it is hurting my credit. The account # for this XXXX there is a late payment on XX/XX/2020 that is marked for 30 days late however, I have never missed this payment and this is a secured credit card as in my own funds. I need this error fixed asap with the 3 credit bureaus and as my only card this severely hurts my car as it is not allowing me to be able to go for rental applications.
Consumer complaint received 2021-12-22
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. (MA)

I have a XXXX XXXX XXXX Bank account that is supposed to be helping my credit as it is a secured credit card instead it is hurting my credit. The account # for this XXXX there is a late payment on XX/XX/2020 that is marked for 30 days late however, I have never missed this payment and this is a secured credit card as in my own funds. I need this error fixed asap with the 3 credit bureaus and as my only card this severely hurts my car as it is not allowing me to be able to go for rental applications.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. ()

I sent a certified letter to FTC ( XXXX ) that a XXXX XXXX reported negative on credit bureaus. XXXX XXXX has removed the negative XXXX XXXX from there system. I was informed when I called that the FTC sends to the mail room and sometimes the CFPB gets it and sometimes not. 

Attached you will find the letter I send to you on XX/XX/2021.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've sent several requests over to the credit reporting company to investigate or even re-investigate my requests to provide signed documentation to support the negative items shown on my credit report. XXXX has refused to show proof that an actual investigation was performed, and after only 3 days of receipt and acknowledgement of the request, the credit reporting agency simply updates the items as accurate and choses to notify me electronically that the negative items will remain on my report. The notification of status update is done by electronic means as opposed to mail as requested. The rejection to perform the necessary requested investigation and the refusal to provide copies of the ask for documentation is a clear violation of my rights under the FCRA. Requests in writing started in XX/XX/2022, XX/XX/2022, XX/XX/2022 and again in XX/XX/2022. Investigation requests has been submitted in writing and were requested to respond in writing as well as provide actual signed documentation to support the results of the investigation has well exceeded 30 days and still NOT YET been received. The credit reporting agency has ignored my requests and it has far exceeded 30 to 45 days ; its been months later.
Consumer complaint received 2021-12-22
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. (GA)

Account name XXXX XXXX XXXX Account number XXXX collection account added to credit file without being verified : I Do not now nor have I ever had an account with this business, the original creditor has claimed the original debt as a tax write off therefore I am no longer liable. Please have this creditor XXXX XXXX XXXX provide a document with my original signature on it as required by law ( electronic verification is not acceptable ) since you have not supplied the demanded proof of the alleged debt During my initial dispute, under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My identity was stolen to attempt to open credit cards and and mortgages/loans without my knowledge or consent. I need these removed immediately as it is affecting my ability to obtain a car and personal loan. I have reported this to the FTC and will attach my report here for you.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MO)

I was paying at the gas station at night. Made one purchase the next purchase denied. They closed the acc. Then I received a email? It said due to my name change they needed ID. I have no name XXXX  .I sent ID. I have been with chime over a year. I sent ID anyway. 

. No response and becouse my acc was closed I can't get my money or into my online acc. They will not talk live on the phone. Weird. Unusual. And they only use a robot to answer questions they never get back. Almost a week now. I want to know what.is going on.
Consumer complaint received 2022-01-11
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. (MD)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-22
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. (GA)

On XX/XX/2021, I receive alert from of 3 big credit report Transunion, XXXX and XXXX about some of that company inquire my full credit report. 
I don't have idea about this company I never asking nothing, now the 3-report company 's refuse to be removed this inquire from credit report make a big problem for me bcs take like more the 2 years to remove from my credit report, damage my record. 
The company ask for my credit report was : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MA)

My " XXXX/ XXXX loan was deemed predatory and was supposed to be discharged in XX/XX/2010. For my home at XXXX XXXX XXXX XXXX, MA XXXX. 
Lender abandon the loan, " Green Tree Servicing '' and now 6 years later " Ditech as successor by merger '' is trying to foreclose. 
I have never been shown the original " Wet ink '' proof of debt, in 12 years of requests. As per Massachusetts 940 CMR. 
My state attorney general has already sewed in civil court but they won't comply and show proof or discharge the mortgage. 
I have proof of invalid assignments of mortgage by Massachusetts XXXX County XXXX registry of deeds, due to known " Robo Signers '' ( XXXX Massachusetts Registry of Deeds, affidavits on file ). 
I live in a non judicial foreclosure state and my mortgage has long been a time bard debt and can't be collected under operation of law.
Consumer complaint received 2022-10-11
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. (LA)

LCI is reporting that the bankruptcy court furnished them with information from US Bankruptcy court of New Hampshire. I received a letter from that court stating they do not supply information to credit reporting agencies. I also contacted pacer who says the same that they do not verify or supply any information to these agencies. I also have the right to privacy as stated in Fair Credit Reporting act.
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Management is currently trying to collect a debt from me. 
My credit report is currently reporting 3 different days last active. 
Its actually reporting XXXX different years! 

XXXX XXXX XXXX XXXX XXXX XXXX I know this can not be right, as the day it was last active, would affect the day it would naturally fall off. Three different years is ridicuous! 
I have sent certified letters to Midland asking them to remove this erroneous account.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX I sent the credit bureaus a request to investigate the inaccurate items reported on my credit. I pulled a new credit report today XX/XX/XXXX and there were no updates changes, or response sent to me. It has been more than 30 days from the last dispute and I still have accounts with balance that should not have a balance. accounts outdated still reported and even accounts that are not mine. I am loosing patience and need help.
Consumer complaint received 2021-12-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp (MO)

Union Home Mortgage owes me my escrow funds and I was told I would receive them before XXXX  .. My loan refi closed on XX/XX/2021.. 
last week the XXXX phone rep stated the refund had been mailed .. this was a lie .. todays XXXX rep stated it was being processed and could not give me a mailing date.. These are my funds and there is NO reason why I should not have received them. 
XXXX has many complaints on this serious issue of XXXX holding back these refunds.. I want my escrow monies!
Consumer complaint received 2022-10-11
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-01-20
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. (GA)

This is my several request 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 : 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 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SECURITY FINANCE CORP (GA)

I received an auto loan from Professional Financial Services in XXXX of 2022. I got the vehicle from XXXX XXXX XXXX. At that time I was never informed that I was able to rescind my contract, if I found anything wrong or false in the contract or if I'm unhappy with the vehicle. I was also told that I was required to pay a down-payment to drive off the lot with the vehicle. I also never received a full sales contract detailing this " consumer credit transaction ''. I have asked numerous times for a contract so I can thoroughly review it in detail, and I have gotten nothing but harrasing phone calls when they want me to make a car payment.
Consumer complaint received 2021-12-22
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. (KY)

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft report. I fully authorize this notice and compliance. I have also mailed the respective CRAs my Identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX