davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastpoint Recovery Group, Inc (IL)

I received a false and misleading letter from Eastpoint with a logo on it alleging I owed a debt. The alleged debt is disputed. The alleged debt has not been validated. 

To EASTPOINT RECOVERY GROUP , INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

I have no recollection of a business relationship with Eastpoint Recovery Group , Inc. ( EASTPOINT RECOVERY GROUP , INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX XXXX and Eastpoint Recovery Group , Inc .
Consumer complaint received 2022-02-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Subject - PPP1 Loan forgiveness Application. 
SBA PPP Loan Number - XXXX / Lender PPP Loan Number - XXXX Business Name - XXXX XXXX XXXX NJ, XXXX Address : - XXXX XXXX XXXX, XXXX, NJ XXXX Subject : - Loan received against PPP1 from Bank of America Dear Sir / Madam, We received our PPP1 funds on XX/XX/XXXX. It was my understanding the loan amount received with PPP1 was based on XXXX 1st QTR payroll. While applying for a PPP1 Loan forgiveness application I am being told that forgiveness is now based XXXX Income and not based on XXXX 1st QTR payroll. 

PPP 1 Loan amount Received = {$38000.00} ( This amount was approved based on XXXX 1st QTR payroll ). While applying for Loan Forgiveness BOFA portal says it approved for = {$18000.00} ( which is now based on XXXX Income ). The bank is now asking me to return {$19000.00} While we have utilized 100 % of the funds ( {$38000.00} ) which were received in our payroll expenses for the year XXXX. We are being asked now to return a portion of funds. We planned based on the funds received which allow us to retain employment. 

I have made several attempts with Bank of America to look into the matter, but have always hit a brick wall. I have filed an appeal with the Office of Hearings and Appeals on XXXX XX/XX/XXXX. Awaiting response for the same. 

My request is to forgive the balance amount of {$19000.00}. 

I can be reached at my cell # XXXX to discuss further. 

Thanking you XXXX XXXX
Consumer complaint received 2019-10-08
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: I.C. System, Inc. (GA)

My XXXX account opened in XXXX was wrongfully disconnected multiple times in XXXX after some incorrect billing after a transfer. XXXX failed to reconnect my service in a timely manner after the last reconnection. I fully paid fees that were attributed to services that I used ; however, for every wrongfully termination of service, XXXX continue to add fees and credit some fees back to my account. They added over {$300.00} in fees for 'early termination ' of a contract that I never requested to be terminated. I attempted on numerous occasions to reactive service and finally went to FCC. Upon filing an FCC complaint, the representative from XXXX, named XXXX XXXX, admitted that XXXX would never resolve the issue because they would have to admit to FCC that they were wrong. Before this conversation, nearly two years after the wrongful termination of services, XXXX never sought collection of funds. Shortly after the FCC complaints were filed, XXXX aggressively sought to collect money from me for " early termination of services '' using a company called XXXX XXXX despite their knowledge that I never sought to terminate services. After receiving a letter from XXXX  XXXX in XXXX of XXXX, I sent a certified letter within 30 days disputing the charge and asking for an investigation. The company failed to provide with me an update. Another collections company, I C System Inc, improperly filed with credit bureau saying that I owe them {$370.00} without providing notices or results of investigation beforehand. This improper and careless act wrongfully lowered my score. In addition, these fees were not accrued by me. XXXX terminated services and refused to provide me their services. I have email proof of their initial removal of the fee and they once again added the same fees. 

XX/XX/XXXX - XX/XX/XXXX - wrong billing and multiple wrongfully termination of services that were paid for. 

XX/XX/XXXX - FCC complaint filed against XXXX XXXX FCC compliant filed again, pursuant failure of XXXX to address the primary complaint and provide me with a copy of their response to FCC regarding my complaint XX/XX/XXXX - Dispute letter was sent via certified mail to XXXX   XXXX, who persistently harassed me via phone for 2 months before sending ( 1 ) letter in XX/XX/XXXX to inform me of their intention to pursue collections. 

XX/XX/XXXX - I C System Inc files collection on my credit report without ever sending me any communication nor opportunity to dispute that I've received.
Consumer complaint received 2022-02-25
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. (MI)

On XXXXXXXX XXXX,2022 I sent Experian a dispute letter disputing inaccurate and fraudulent accounts. Its been passed 30 days and these accounts are still reporting with no proof of investigation. Also, I have not given Experian written or verbal consent to report any derogatory remarks on my credit report. No consent is identity theft per title 15. Congress made it clear that furnishers arent allowed to report information containing transactions or experiences between the consumer and the person making the report. This is defamation of my character, unfair practices and conspiracy to help companies commit fraud against me.
Consumer complaint received 2017-04-15
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (IL)

My wife and I recently closed on a mortgage loan that was approved by, and will be sold to Wells Fargo. The property address is XXXX, in XXXX was originally pre-approved by Wells ( XXXX office ) for an {$800000.00} loan on an single family residence, without considering my wife 's income. However, my broker determined that we would not meet Wells Fargo 's DTI requirements for the mortgage we needed of {$630000.00}. WIth the HOA, the monthly payments were slightly less than the payments on the {$800000.00} loan that we were pre-approved. We were confused how we had been pre-approved. So we applied jointly, and our DTI was well below any applicable DTI thresholds. ( Despite the amount being within XXXX limits, this would be a non-conforming loan because of my alimony situation. ) However, my wife ( XXXX ) is not going to make the move from XXXX to XXXX until several months after me ; she would visit on some weekends. Based on this information, our broker was told that Wells Fargo was going to deny us our mortgage application, simply because we were going to live apart for a few months, until she was going to be able to get her XXXX medical license and a position in XXXX. Finally, when our underwriter was able to get some limited information from Wells underwriting, he was told that it could n't be approved because it would be a first residence for me, and a second residence for her, and Wells does n't have a box to fit that combination in. 

Finally, we were offered a mortgage if we treated the property as an investment property. We agreed, because, otherwise it put our purchase and initial escrow down payment in jeopardy. Of course, this had implications, such as the need to put down 40 %, instead of 30 %, and increasing the interest rate by over XXXX basis points. 

Finally, when I was signing the papers for the close of escrow, I was effectively forced to lie ; I signed the form that stated that we were purchasing the property as an investment property, and would not occupy the residence, despite the fact that I am moving into the home within a month of closing. 

Although our original pre-approval came from Wells Fargo, our dealings were direct with a broker, XXXX/XXXX. However, due to my alimony situation, they were only dealing with Wells Fargo, as they had a non-conforming loan that met our needs.
Consumer complaint received 2018-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

Nelnet approves the loans obtained from XXXX. Nelnet should have obtained my XXXX XXXX application in XX/XX/XXXX at which time it would have been approved as it was in XX/XX/XXXX. XXXX  acknowledging that a XXXX XXXX XXXX is on their XXXX XXXX  loan program approved list should have disclosed the program to me back in XX/XX/XXXX. The loan/program process was delayed for years as XXXX failed to disclose the XXXX program to me which delayed & continues to delay the process/closure of said process. 

XXXX despite knowing from XX/XX/XXXX-XX/XX/XXXX ( undocumented call post graduation XX/XX/XXXX at which time disclosed my head injury and was informed of the now 6 mo grace period ) that I had suffered a XXXX XXXX XXXX in XX/XX/XXXX due to an XXXX  and continued to be XXXX from it today was never offered the XXXX XXXX  program option. I was constantly steered into other loan programs that allowed accumulation of funds/interest. 

I wish to know why in a specific response : 1. I was constantly steered into money producing programs benefitting XXXX, but was never offered the XXXX program as an option. 

2. A XXXX XXXX XXXX definition is listed under XXXX 's allowable XXXX XXXX loan program therefore why was it never offered to me when you knew I am suffering a XXXX XXXX XXXX and it is an allowable injury/illness under the XXXX XXXX  program as a loan remedy/option? 

Having the knowledge of what illness/injuries fall under the XXXX program but failing to disclose the program appears to be a failure to provide available proper loan programs to those they serve, possible a civil rights issue. As per their own criteria they knew I qualified for their XXXX loan program and per their own XXXX illness/injury standards but failed to disclose the XXXX loan program option to me. 

I request you ask XXXX as XXXX XXXX XXXX   are listed under their XXXX XXXX program as an allowable injury why did they deliberately deny me since XX/XX/XXXX the right to apply for the available XXXX loan programs by deliberately steering me only into loan programs that financially benefitted XXXX and disallowed me to right to the XXXX loan option. XXXX approved my XXXX XXXX but it was delayed for years unnecessarily as XXXX deliberately failed to disclose the program option that would better meet my needs due to my XXXX. My medical documents prove clearly my XXXX XXXX   occurred on XX/XX/XXXX and continued through XX/XX/XXXX, as it does today. This documentation shows also that I qualified for the XXXX XXXX XXXX back in XX/XX/XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
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)

I have noticed there is an account for XXXX XXXX reporting on my credit profile that does not belong to me, I have sent dispute after dispute to both the creditor, and the credit bureaus ( Equifax Information Services ) and still nothing has been resolved, I recently sent a dispute to the bureau and the agency on XXXX XXXX and again on XXXX XXXX. I have sent numerous request to both the bureau and the creditor asking they provide me with court worthy documents this account belongs to me and I have not yet received those documents, the credit reporting agency ( Equifax Information Services ) has responded to each dispute the account has been " verified '' again no court worthy documents have been sent. This is negatively affecting my credit worthiness and I wish to have this remove from my credit profile immediately.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (SC)

XXXX XXXX XXXX I had XXXX last year and I was out of work I called the customer service dept to see about the late payments reporting on my credit report from XX/XX/XXXX-XX/XX/XXXX. I spoke with someone and they stated that if I can pay the balance and keep up with current payments they will remove late payment from credit bureaus. Ive been fighting with this for months now. Same situation with Carmax Auto and they are showing late payments from XXXX, XXXX, XX/XX/XXXX. I already submitted letters to show that those late payments was undated and needs to be removed immediately.
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (NC)

I am writing today in regards to my account with GM account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (TN)

I have been an outstanding customer and absolutely enjoy my Discover Card. However this year and last year have been incredibly difficult as I know it has been with everyone. I am a XXXX XXXX and in XX/XX/2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month my husband and I brought the account current and worked very hard to stay on top of everything. However in XX/XX/2021 my husband lost his father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily. I have been working extremely hard to keep my good payment history and account in good standing. I called the customer service phone number on XX/XX/2021 to ask if a one time goodwill exception for the late payment in XX/XX/2021 could be removed from my credit reports due to XX/XX/XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. My husband is currently working three jobs right now to pay off my balance and we have a scheduled payment in the system to do just that on XX/XX/2021. I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Discover card in good standing.
Consumer complaint received 2019-05-25
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. (CA)

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to XXXX XXXX XXXX torelease myinformation toathirdparty. 

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I had 11 accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through XXXX XXXXXXXX service. XXXX listed the 11 accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my credit score and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX XXXXXXXX, and all credit bureaus and it continues to report
Consumer complaint received 2022-10-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC (CA)

Dave advertised to pay {$40.00} to me and my friend if I used a referral link to create an account and take a loan. On XX/XX/XXXX I created an account using the link and took out a loan, Dave refused to honor the advertised promise. 

When I created the account I was told I would receive a months free trial, but I was billed on XX/XX/XXXX. 

In XXXX I requested my account be closed. On XX/XX/XXXX Dave charged membership fees to my bank account.
Consumer complaint received 2019-10-08
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Checkr, Inc (OH)

I received a check from the XXXX v checkr settlement fund. I'm just getting around to opening my mail due to being out of the country and the account this check is from is now is closed. check no : XXXX routing : XXXX account : XXXX is where the check was issue from. I have written the company and have not heard a response. The check was returned by my bank.
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MI)

I sent two certified letters to Security Credit Services one requesting debt verification and the second letter requesting removal of the debt due to no verification being provided to me. It has been over 30 days & this company is continuously providing false information to the credit bureaus.
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (FL)

I checked my personal credit report and I noticed multiple credits Inquires that I do not recognize that have been made, I've tried disputing all fraudulent inquires with XXXX and got no help from them, their website states to contact the creditor if I dont recognize the inquiry it does not say any-thing about police report
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (GA)

I received a notice in the mail first from Best Buy that stated that my credit could not be increased. I do not and have never had a Best Buy Credit Card. I then learned that someone also opened a XXXX XXXX and XXXX XXXX XXXX account in my name using my social security number. I have reached out to all companies as well as gotten a police report. All companies stated that this matter would be resolved and the card would be closed. However, today I received a bill in the mail with a past due notice from Best Buy with the account summary at {$1000.00}. I have already spoken with them and let them know this was a fraudulent charge.
Consumer complaint received 2021-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.