davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was given a check to be cashed as was what was supposed to be a Commercial video for a company for Bitcoin, and found out that the check they sent to me was fake by the bank ; it was a total scam, and the individuals who had me to post the check made this out to be a " commercial '' that I was to act in ; I checked their website, to see if they were legitimate, and they appeared to be ; however, the bank informed me that the check I cashed thru them was fake and that I owed XXXX to them. The bank was Bank of America, in XXXX XXXX, and they did not want to help me at all ... ..but my bank, XXXX, isn't in XXXX XXXX , so I needed to use BofA to cash the check ... ... ..All the while, these individuals who had sent me information on what to say, what to do, and where to go were nothing more than scammers who from the start, knew what they were doing, and did not care that even though I checked them out, were still scamming people over bitcoin.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi. Bank of America closed my business account XXXX XXXX named XXXX XXXX XXXX XXXX. on XX/XX/2020 for no reason. I had {$65000.00} and two weeks later I received a check with {$1200.00}. Everytime I call them to ask for the rest of my money, they tell me that my money is in a hold harmless account and that they wont give the money to me. I have all the invoices from the companies that I buy our merchandise from and all the invoices from the export company. They also told me that I have to tell my customersto make a formall recall to get their money back but my costumers already have the product that they bought from me. I didn't scam anyone. It doesnt make sense. I still got in touch with some of my costumers to do that and they reached their bank to make the complaint but they still haven't received any money to pay me again.Please I need help to get the rest of my money back. Also they didn't send me a letter before closing my account. They closed my account first and then send me the letter. Please help me. thanks
Consumer complaint received 2020-03-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: National Auto Lenders, Inc. (GA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
NATIONAL AUTO LENDER Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this 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 correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
3. Please provide a complete account history, including any charges added for collection activity. 


You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. 

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 further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2022-11-02
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. (TX)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2020-03-27
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. (VA)

XXXX, Equifax and XXXX  has stated that they have verified the bankruptcy listed on my credit report by reaching out to the US Bankruptcy court. I reached out the US Bankruptcy court and was advised that they had not verified this is information. Im requesting that the Credit Reporting Agencies confirm when did they verify the bankruptcy information on my credit reports with the US Bankruptcy Court? Who did they speak with at the courts? If this information has not been truly verified as the CRAs has stated, please permanently delete the bankruptcy from my credit reports because the CRAs have provided me with false information which is against the FCRA Act.
Consumer complaint received 2020-03-27
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. (VA)

THIS IS NOT A DUPLICATE REQUEST- XXXX is refusing to update my past due history stating that the information that they are reporting is correct. The company stated that they received a payment on XX/XX/2019 for XX/XX/2019 and XX/XX/2019 due dates. They are reporting past due history for XX/XX/2019. I would have only been 15 days late for XX/XX/2019 and not 30 days. Please update immediately before there is additional action taken. This negative and inaccurate information is negatively impacting my credit report.
Consumer complaint received 2021-03-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I started the mortgage process in XX/XX/2021, as I want to incorporate the loan for an inground pool I had installed which has a rather high interest rate of 6.99 %. I was told with the initial phone call with the information presented, this would not be a problem, since my income and debt ratio are within limits and the appraisal of the home was sufficient for the refinance. 
The process has drug on and on, I have been asked to submit the same documents several times and I have submitted the documents several times, and each time I was told the process would proceed. This will be a VA loan. 
There is no reason for any rejection or delay as my credit scores are excellent, no missed or late payments on record.
Consumer complaint received 2021-03-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I applied to refinance my mortgage with Chase and assumed the process would go smoothly because Chase holds the note on my mortgage. I started this process two months ago. The deal ran into one delay after another, and and I was asked to submit more personal information each time, and then we finally got a closing date. At XXXX XXXX the night before the notary was scheduled to come for the final signing, I got an email asking for proof of my employment. I luckily saw it right away and within a few minutes replied with PDFs of both my most recent paystub and a letter from my boss confirming my employment ( dated the previous month, sent to prove qualification for the COVID vaccine ). 

Then, at XXXXXXXX XXXX I got an email saying that proof of the job I have been doing for over 20 years! was not good enough, and that I needed to have my boss call them RIGHT AWAY, before XXXX, to verify my employment. All of this after I had submitted three or four paystubs all clearly showing I am paid monthly. This being near the end of the month, it was impossible for me to produce a paystub dated within the last 9 days, as they demanded. And the suggestion that I call my boss - who is actually a very important person and have him call Chase immediately on my piddly little mortgage refi was insulting. 

As soon as I paid the {$500.00} fee Chase required, it seemed as if the bank was doing all it could to scotch the deal. Information was demanded of me immediately on the most ancillary things ( proof that I own the solar panels on my roof? are you kidding me? ). I refinanced with other lenders twice before and never encountered anything like this kind of treatment.
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (VA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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
Consumer complaint received 2020-03-27
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. (VA)

THIS IS NOT A DUPLICATE REQUEST- XXXX is refusing to update my past due history stating that the information that they are reporting is correct. The company stated that they received a payment on XX/XX/2019 for XX/XX/2019 and XX/XX/2019 due dates. They are reporting past due history for XX/XX/2019. I would have only been 15 days late for XX/XX/2019 and not 30 days. Please update immediately before there is additional action taken. This negative and inaccurate information is negatively impacting my credit report.
Consumer complaint received 2020-03-14
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: Nelnet, Inc. (GA)

Nelnet has falsely reported me to the credit bureau on financial aid I did not receive. I have sent the documents to them repeatedly. I had a XXXX XXXX, XX/XX/2014 - a few weeks after XXXX closed the doors on us in the middle of taking a test toward graduation and had already received money from the finance department of student loans and Pell Grant. No money was ever given to me. I have attached the documents and emails from that time period. 

This link refers to XXXX lying to XXXX students stating they would transfer the credits and we would graduate on time. A Blatant Lie. They also took money and nothing happened. They didn't transfer the credits and I have emails to prove it. I withdrew from the school and never completed classes based on the consistent lies and not being forthcoming. These folk caused me to have a XXXX XXXX with the scheming and scamming. I was a XXXX student at XXXX and made the XXXX XXXX XXXX repeatedly. I lost hope in the system of furthering my education. Nelnet came in and have also made promises and not delivered. I have not taken these folk money and I don't owe it. 
http : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TN)

XX/XX/2012 I was locked out of XXXX to complete a transaction. After trying to contact XXXX for over 2 hrs. I finally reached someone believed to be an XXXX associate who told me my problem was verifying my credit card. I was then told to go to XXXX and purchase 2 gift cards valued @ {$200.00} each which they showed on my cell phone was transferred into my account. Then told they didn't take after giving them the number of cards and that I needed to go to a different store to purchase others. I continuing asked them about this unusual system XXXX was using to test my card however they convinced me that it would be fine and I would be able to get into the computer soon. Now it ended up being three XXXX cards for {$500.00} ea. same thing showing on my phone the exact amount was transferred into the charge card which had the exact last numbers that I use. Finally when they insisted one more card was needed this went onto Discover for {$500.00} I was worn out arguing with them. The previous transaction was on my XXXX card. Now I contacted the credit cards minutes after I got home and noticed my computer was now unlocked. Both XXXX and Discover were notified ; This people were man and wife and the call was from XXXX XXXX CA. and represented XXXX which to me is fraudulent however because they instructed me to purchase the cards both XXXX and Discover this to be a scam of which even though it was on a credit card will not remove the cost, I am a senior and live on social security and try to supplement by selling little items on line. I always pay any credit off monthly so as not to incur interest, however, this is impossible for me to do at this time, I went into XXXX and explained my situation to no avail and I even asked if they would keep the interest off if I paid it off monthly, answer was no. How cruel can they be as I have been banking with them for at least 4 yrs. and NEVER missed a complete payment. Discover will take the interest off for the first month only however, between the both I'm at a dead end. I gave XXXX complete information. I contacted all of the above within minutes after realizing I had been scammed. You are my final resort for help. No one can realize what a burden this has put on a senior who just wanted to supplement her income. I did nothing but believe crooks who found and knew everything about my address, banking, etc. Everything had to be deleted and new cards issued, Horrible lesson to learn in times like these when prices of everything is on the rise. PLEASE HELP ME!!!
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Consent not provided. No consent by definition is identity theft. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681b ( b ) ( 1 ) my rights to privacy.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I made a payment on XX/XX/2024 a day before my due date on XX/XX/2024. Today, XX/XX/2024 I logged on and was told I was past due and needed to make an immediate payment. I also have been making overpayments expecting those payment to go to principal, which they are not and I can not indicate anywhere during payment this is what I want to do. Therefore, my loan balance is growing. This is abhorrent and a complete and utter failure of the student loan system. 

I submitted a complaint to Nelnet, which got no response. I tried calling their customer service where I was placed on hold for XXXX hours with no response. I finally had to hang up because I have a job and can not waste XXXX hours of my day sitting on hold. Not to mention that their servicing hours are only within working hours. I am not wasting my vacation time or risking losing my job to wait on hold for customer service. They need to mark my payment as paid on time immediately, and not have this impact my income driven repayment plan. I have never been past due. 

This is a complete and utter failure of the student loan system. Something needs to be done with the student loan servicer, Nelnet, and the system in general.
Consumer complaint received 2020-03-27
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2018XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX searching XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i have not given any of these companies written permission to run my credit i have asked experian to remove these inquiries several times and no response
Consumer complaint received 2020-03-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

Tried to log into my online account with Toyota Financial Services. Had received a Billing Statement which included personal property tax. Was trying to determine if the automatic payment process setup for this lease would continue and pay this monthly charge. 
When I tried to log on, a pop-up screen appeared that I interpreted to mean that I would be forced to switch to paperless billing each month if I accepted the terms. Exited the online website. While on hold trying to contact TFS,  received an email from Toyota indicating that my online account had been deactivated. I received a 2nd email from TFS indicating my XXXX payment had been canceled.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MO)

Navient submitted a report to the Credit services XXXX  and XXXX  that I now am require to pay twice what I actually pay based on their in come repayment plan and as a result my credit score drop over 30 points and disqualified for a loan for a home. I do not think this fair to me. 

Also, I feel that I am being over charged and am not being properly reported as to how much money has been paid.
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (TX)

The week of XXXX XXXX, XXXX I sent a notarized copy of the DIRECTION TO CONVEY from the XXXX XXXX XXXX XXXX XXXX to NewRez, the current mortgage holder of the property. We needed NewRez to release consent since the property is in trust so we could move forward with the closing of the sale of the property. I followed up repeatedly to check the status of the " consent. '' The reps kept saying they saw my documentation but to call back the following day. We had to postpone the closing from XXXX XXXX, XXXX to XXXX XXXX, XXXX. However, on XXXX XXXX, last Friday, a rep named " XXXX  '' advised me that her supervisor told us to move forward with the sale and that we would not need any consent. My atty who was on the call with me told XXXX the NewRez representative that the Title company required a " consent. 'XXXX XXXX spoke with a different supervisor and said, " I'm sorry but it will take XXXX more days for us to provide you with a consent so you will just have to lose the sale. '' It was disgraceful. Our buyer has graciously offered to reschedule closing for the first week of XX/XX/XXXX. Meanwhile we are unable to get any assistance from NewRez on providing us with the consent. They have all of the paperwork they indicated they needed but the frontline customer reps repeatedly state that they can't allow us to speak with the Loan Processing department which was sent our required documentation. XXXX has helped me in XXXX for another matter so this morning I'm reaching out to your team again. This makes no sense. I've attempted to reach out to the CEO via XXXX and XXXX but no one has responded. Please advise. All we need is a " consent '' from NewRez so we can sell the property.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : USAA FERDERAL SAVINGS BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.