davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

This incident started with the sale of a used home oil furnace that was listed on XXXX and XXXX marketplace. I was contacted on XX/XX/2020 from the XXXX ad to purchase the furnace. The initial email used the domain with " electricalservices '' to make me think this was legitimate, but later was changed to regular gmail account during the email thread. After an agreement of the price of {$870.00} plus {$70.00} extra for the moving service, the seller asked for me to remove the listing as the seller made arrangements to get the cashier 's check sent. On XX/XX/XXXX, the check arrived for the amount of {$2900.00}, which was supposedly for paying the movers for the seller 's other properties. The check was deposited Chase mobile banking and I waited for the funds to be removed from its pending status. On XX/XX/XXXX, the status was no longer pending and part of the funds ( {$2000.00} ) was sent via XXXX ( Chase Bank 's electronic money sending service ) to another email the seller provided. The seller then backed out due to a death in their family and no longer was interested in the purchase of the furnace. The remainder of the money ( {$900.00} ) was sent to the same email for the thought that this was " dirty '' money and I did not want it in my bank account. The same day, I contacted the local police to begin their investigation ( case # XXXX ). On XX/XX/XXXX, the check was returned due to being deemed altered / fictitious. With the police reaching a dead-end in their recovery search, I am without the {$2900.00} in my checking account.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I used XXXX XXXX to attempt to sell a sports product for {$350.00}. A potential buyer with the XXXX  account of XXXX XXXX reached out to me on XXXX XXXX and offered to purchase the product. He indicated his cousin would pick it up in the XXXX  but that he would pay me immediately via zelle. I said ok and provided my email that's connected to my zelle account. 

I received an email from what looked to be from zelle that someone tried to send me {$350.00} but that I was unable to receive it because I did not have a business account. The email suggested I pay an additional {$300.00} to upgrade or have the sender guarantee it with {$300.00} to cover the upgrade. He proposed putting up the {$300.00} so long as I sent him via zelle the {$300.00} right back after. I received another email that this person had upgraded my account to business. I paid him {$300.00} via zelle to the following address : XXXX XXXX XXXX as provided by him. Then I looked for my $ $ $ but instead got another email from what looked like zelle that I needed to pay an additional {$200.00} to certify or insure the money. 

The scammer claimed zelle was trying to protect both buyer and seller and to do it right away. He then gave me what he called a zelle agent and provided a new address and name for where to send the additional {$200.00}, ( XXXX XXXX XXXX XXXX. He got very aggressive with me via XXXX  and claimed that I now had {$650.00} of his money on hold because I refused to pay for the certification. 

I called my bank and learned that Zelle doesn't require a business account, that it's a scam, but that they don't cover losses for zelle scams. They indicated the person already has the {$300.00} and they can't get it back. 

Obviously, no cousin ever showed up to pick up the product and the {$650.00} never came to me. The scammer then went silent on XXXX  but the messages and his profile or purported profile remain.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

RE my Bank of America, credit card ending in XXXX I pay all my bills with Auto Pay from my XXXX XXXX  account. Your billing department has mishandled the billing on my credit card. 

XX/XX/2022 statement : I Owed {$15000.00}. Bank of America withdrew {$32000.00} from my checking account causing me to have numerous overdrafts and fees not only from XXXX but also my creditors. 
XX/XX/2022 : My Bank of America credit card had a credit for {$16000.00}, however B of A took {$13000.00} from my checking account. I was now overdrawn {$30000.00}. 
XX/XX/2022 : Credit card balance - {$30000.00}. XX/XX/2022 B of A sent me a check for {$6900.00} for the amount Bank of America determined they owed me. I deposited the check into my XXXX XXXX account. 
Bank of America made electronic payments from my XXXX XXXX account on XX/XX/2022 for {$9000.00} and again on XX/XX/2022 for {$9000.00}. New balance on the credit card of XXXX. 
XX/XX/2022 the B of A sent me a check for the {$6900.00} that Bank of America determined that they owed me. I deposited the check into my XXXX XXXX account. 
On XX/XX/2022 I received notice from XXXX that the check from Bank of America was declined because Bank of America put a Stop Payment on the check. As a result, I now had more fees and bounced payments to my creditors. 
I talked to Bank of America on the phone on XX/XX/2022 and on XX/XX/2022 to reimburse me for bounced checks fees and a letter explaining that Bank of America deducted to much from my checking account. They refused to even give me the {$12.00} fee that XXXX charged me for their {$6900.00} check that they put a stop payment on. 
On XX/XX/2022 I went to the Bank of America in XXXX XXXX Bank to see if they could help me. The assistant manager was very sympathetic of my problem and called the Credit Card Customer service number for me. I talked to XXXX XXXX, customer service agent for Bank of America explaining that Bank of America took excessive payments of over {$30000.00} from my checking account. I need the letter to reestablish good credit with my creditors. XXXX XXXX told me it was my fault for having auto payment on my account. 
Bank of America did issue me a credit which they claim paid back the over-charges but I question if they still owe me money.
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Ref. : COMPLAINT ID XXXX - SUBMITTED ON XX/XX/2020 Greetings, with reference to our complaint referenced above against Dovenmuehle Mortgage Inc, and its affiliate XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX Please note the following developments : 1. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, they FAILED and continued to FAIL in fixing our billing statements, to match the Mortgage Note terms and conditions.

2. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, they FAILED and continued to FAIL in acknowledging the Mortgage Note terms and condition and continued its fraudulent billing behavior.

3. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, in a desperate attempt to escape it responsibility and legal liabilities ; they notified us today via mail ( XX/XX/2020 ) that they are transferring our loan to a new servicing agent " XXXX XXXX XXXX '', XXXX XXXX, XXXX, CO XXXX.
Consumer complaint received 2022-11-03
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: Medical Recovery Services, LLC (CO)

I spoke with XXXX XXXX and they stated to me I was never late on my mortgage and sent me a statement showing I was never late. But the credit reporting agency is showing late payment even after sending the statement to them.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

I received a letter in the mail from Sequium Asset Solutions , LLC claiming that I owed a debt to XXXX XXXX XXXX, which is not true. The letter, dated XX/XX/2020, says clearly that I have 30 days from the time I received the letter to dispute the debt. I disputed the debt and sent the letter off XX/XX/2020 because I did not receive the letter until some time around XX/XX/XXXX, possibly because of Covid-19 delays with mail. 

Being that I disputed the information, then why was this inaccurate information reported to my XXXX and XXXX  credit reports on XX/XX/2020? This is clearly before the letter was even sent as well as well before the 30 day time frame I had to dispute the validity of the debt. 

The fact that they submitted this debt without validation is a clear VIOLATION of the Fair Credit Reporting Act. I am allowed 30 days from the time I receive the letter to dispute the validity of any debt collection. They did not do that and the credit bureaus did not even verify if the debt was mine. 

Attached to this complaint is the letter that I sent to Sequium requesting proper validation to this debt, the certified letter receipt, and the collection notice I received in the mail.
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (TX)

I sent a letter out XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. That is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-12-30
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: MOHELA (NY)

I contacted XXXX to make a dispute regarding Mohela student loan. I had a student loan through XXXX. The student loan was some how consolidated into 1 and sent to Mohela. It then appeared as a new debt after I received a email stating it was forgiven and now it has effected my credit score. I would like the score changed back to my prior rating as this is not a new debt. There must have been a mix up with in the government with the loan forgiveness and further more and some how this was added back as a new account and it is not.
Consumer complaint received 2022-12-30
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. (TN)

The name " XXXX XXXX '' is appearing on my credit report. This is not me and never has been me. I have never went by this name and it is associated with identity theft and fraud.
Consumer complaint received 2022-11-03
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: SANTANDER HOLDINGS USA, INC. (NY)

Accounts listed below must be removed ( CHRYSLER CAPITAL ) XX/XX/2022. 
XX/XX/2022. 
XX/XX/2022 COMPANY WAS NOTIFIED THIS WAS A FRAUDULENT ACTIVITY XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : CHRYSLER CAPITAL ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : CHRYSLER CAPITAL ACCOUNT NUMBER : XXXX This account as been notified as a fraudulent account that and opened falsely under my name. i have no supporting documents saying i owe this debt or account- NO SIGNED COPIES
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 — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I sent the credit bureaus a letter on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors 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 2022-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

I made a lump sum payment of ~ {$11000.00} in XX/XX/XXXX to XXXX ( Now Aidvantage ) to pay off my student loans. 

On XX/XX/XXXX, I requested a refund of my lump sum payment and was informed it would take about 4 weeks to have the balance reflected back on my account, with a refund back via direct deposit after another 1-2 weeks. 

With no updates, I called on XX/XX/XXXX ( 5 weeks ) to check what's going on and was told that the refund was approved but still processing, and that it would take 6 weeks now from requested date to update the Aidvantage account balance. Since the XXXX increased, I asked if it was possible to expedite my refund in any way, and the representative said it wasn't possible. 

Called again today XX/XX/XXXX ( 7 weeks ) to check for updates as my account balance is still unchanged. An automated bot responded with a 10-12 week turn around time, more than the updated 6 week XXXX. I was able to get hold of a representative, who informed me that she needed to transfer me to someone who can help. A moment later, I was greeted by another automated bot that said it wasn't set up, and that I can no longer be helped and hung up. 

All requests for written confirmation on approvals and turn around times via email/text/mail were denied by Aidvantage and their reps XXXX Which is leading me to believe that my refund is being intentionally delayed without reason.
Consumer complaint received 2022-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

The amounts of the Federal Department of Education loans are incorrect. The collection agency that claims this account was refreshed in XXXX and again in XXXX is fraud. I have not contacted the agency or made any payment or communication to these agencies about this loan at either date in either year. They also used credit references I never used nor would I ask to use. I didn't know these people before XXXX. I haven't spoken with either one of these so called references in over XXXX. XXXX XXXX used as a credit reference is also listed in XXXX XXXX California and his address was in XXXX XXXX. It also used an address in reference to me I have never lived at in XXXX California. This information to refresh this loan was obtained by an employer who illegally fired me because I asked this employers for my XXXX, had I received that XXXX I would have found out they had never reported me to the state of California over that year. This delinquency has caused me a lot of financial hardship by sandbagging my credit scores. I have perfect payment record for more than 7 years now and this harming my credit rating severely. This fraudulent information needs to be removed from my credit history immediately. The information used by the collection agency from my fraudulent prior employer was illegally obtained from this employer is illegal in itself. The collection agency then used this false information to fresh this loan in XXXX and XXXX. This needs to be removed.
Consumer complaint received 2020-08-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (SC)

I purchased this car in 2017 and have paid all my payments on time and per my credit report it shows the amount of ONLY {$880.00} dollars paid!! This company is a fraud and they add additional fees at any given time! My information was falsified when I first did a loan with this company! I ask that this information be removed from my credit due to the recent action lawsuit! This company Henders me from getting a house or even refinancing because they have the rates on this loan extremely high! I do NOT want my information sold to another company as they have been doing with other information to get out of falsifying documents! I do not give them permission for that!!!! 


Under the settlement, Santander is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. 

http : //santandermultistateagsettlement.com/Home/portalid/0
Consumer complaint received 2020-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Account # XXXX XXXX XXXX  Amount : {$520.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. They also have no permission to REPORT anything using my info pursuant to 15 USC 1681 4.

I reached out to the original creditor ( XXXX XXXX ) and they have it on a recorded line that I do not owe anything to them & never had a balance, therefore this should not be on my report. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I opened a checking and savings account in 2019 with Chase Bank, but both accounts were closed without any explanation to why my account was closed. XXXX, I applied for mortgage, I was denied as well even though I have a fantastic XXXX XXXX. XXXX XXXX had a promotion for their XXXX XXXX XXXX card, so I applied. I was unaware the credit card was financed through Chase Bank. I applied through XXXX XXXX website. Initially, I was approved for a credit limit of {$25000.00} due to my credit score. Unfortunately my credit card account was closed later when I tried to make my 1st installment card payment. I called Chase to find out why my account was closed. There was no explanation to why my account was closed. I can only suspect that I have been blacklisted from this bank. If my suspicion is accurate, then it is only fair to know why!!!!
Consumer complaint received 2020-08-05
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: TD BANK US HOLDING COMPANY (GA)

I have a loan with XXXX/XXXX, XXXX XXXX, and NORDSTROM/TD BANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and XXXX/XXXX, XXXX   XXXX, and NORDSTROM/TD BANK  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been trying to have Experian update my Name and address to be accurate but they refused to update it after my attempts. My tracking numbers are XXXX and XXXX. 

Experian refused to correct information after being provided proof. 

They also violated my rights under FCRA Section 623 ( a ) ( 1 ) ( C ) - says that you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-12-30
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. (FL)

I recently view my credit report and saw a unauthorized credit inquiry in my credit profile made on XX/XX/2022 by XXXX XXXX and i will like to have this remove immediately