davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

XX/XX/XXXX I cashed a check {$32000.00} that I got from government at the check center in California XXXX, the store didnt have enough cash so they gave me {$16000.00} money ordersXXXX I couldnt find all my money orders, I lost them then I submitted money order replacement request online on XX/XX/XXXX, sent in the receipt few days later to approved that I am the purchaser. I keep checking these money orders status they were outstanding not been cashed until XX/XX/XXXX, I added comments to my cases asked the update of my replacement request. XX/XX/XXXX I received email from the MoneyGram said no refund available for these money orders and cases are closed without give me any reason why. I checked the status of these money orders again said these money order needs further review, the MoneyGram didnt provide me the status of money order, either cashed or not. I am concerning they will just keep my money and trying to make up excuses not refund money to me. I contacted them they never give me details and tell me what happened and what I need to do to get my refund back. They just sent me very simple email cases closed no refund available for these money order. Please help me out I need my money back to pay my rent. Thank you.
Consumer complaint received 2021-10-30
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. (PA)

I discovered the following company ( s ) ran an unauthorized inquiry on my consumer profile on this date : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX addition I have a total of 10 inaccurate late payments reporting from XXXX  from XXXX. I have requested the late payments and their amounts be verifiedbe removed in a previously submitted CFPB complaint and letter to Transunion, XXXX and XXXX yet this issue has not been resolved.
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (CO)

Hello, I am a XXXX XXXX in Colorado. 
I have an auto lease loan with Chase. 
I have never been late in the last 3 years of my lease. 
I was 2 days late, and it was reported to the credit agencies. 
With that being said, we are in our fifth surge of XXXX, and I thought I had scheduled a payment for XX/XX/2021. 
I work in a local XXXX, with bed capacity issues and working with patients on a daily basis. I totally forgot. My mind wasnt focused on my car lease. It was focused on saving lives. 
I contacted Chase and they would not help me. Im looking for a withdraw of my delinquent payment history from my credit reports. I sincerely appreciate any help you can give me. 
XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

During the COVID pandemic I lost my job and my mortgage provider SPS Mortgage offered me a 3 month forbearance and stated that I did not have to make payments during the approval process. I was assured by several representatives including XXXX XXXX that I would not receive any penalty during this time period and that no action would be taken against me or the property. Then on XX/XX/2021 without any warning they referred my mortgage for foreclosure and charged me a {$1000.00} attorney fee. When I confronted them about the issue they stated that " my investor denied the forbearance ''. 

I borrowed the money in order to bring my mortgage current and prevent foreclosure. I have been disputing the attorney charge ever since. My situation was finally escalated to a supervisor by the name of XXXX XXXX who pulled the prior recorded calls and confirmed that I was informed that no action was going to be taken against me or the property. Despite the bank 's error and admission of their error, they have never refunded me the attorney fee that was illegally and fraudulently charged against me. Misleading a consumer about mortgage fees is a violation of The Truth in Lending Act and I would like my fee credited toward my account.
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (FL)

I am a living human being ; I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times. I request the accounts below to be removed immediately please.

According to 15 USC 1681. I have the right to privacy, and I did not give Equifax written permission to furnish this account. 

Account Name : XXXX XXXXXXXX XXXX XXXX Assigned : XX/XX/2022 Amount : {$1200.00}
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I have a mortgage with Amerisave. 
I set up automatic draft when I purchased the mortgage. Because they were slow to draft several months and I had called and complain about it, I decided to cancel the auto draft on XX/XX/2022. I remitted my payment by going online to their website. Then I canceled the auto draft on their website. The following day I call them and informed them I had canceled it. They assured me the auto draft would not occur. 3 days later I received an insufficient funds notice from my bank. 
XX/XX/2022 NSF FEE - ITEM RETURNED XXXX - XXXX XXXX XXXX XXXX Category ( {$29.00} I called Amerisave to complain on XX/XX/2022 and recieved assurance they would not resubmit a draft. 
On XX/XX/XXXX I received another insufficient funds notice from my bank XX/XX/2022 NSF FEE - ITEM RETURNED XXXX - XXXX XXXX XXXX XXXX Category ( {$29.00}. 
I called Amerisave to complain and was assured no other draft would be made. Today I received a bill from Amerisave for the insufficient funds. Considering I made the mortgage payment I feel this bill is unwarranted.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Back in XXXX I filed police report stating identity theft had taken place. One of the fraudulent accounts was from the bureaus, a capital one credit card. It was removed and then all of a sudden it reappeared back on my credit report recently which is fraudulent and reporting in activate an absolute information. Their address is XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX. And it has a balance of {XXXX}. Please investigate contact this company and make sure that they never put it back on my credit report because it has resulted in a decrease in my credit score.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IL)

I am owed approximately XXXX in late fees and overdraft fees that were charged to my account over the period of 5 years when I was with Wells Fargo. 

I need this refunded immediately.
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-19
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. (MS)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX  XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, DEPT of ED/XXXX ; Account # XXXX, XXXXXXXX XXXX ; Account XXXX 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 2022-05-19
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : Account : XXXX XXXX XXXX XXXX : {$17000.00}
Consumer complaint received 2017-10-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

Prestige Financial Services has been constantly calling me, threatening me and harassing me at my place of employment. I 've received calls from them on the following dates below : XXXX XXXX, XXXX ( 2 times ) XXXX XXXX ( 2 times ) XXXX XXXX, XXXX ( 2 times ) XXXX XXXX, XXXX ( 2 times ) Weekend XXXX XXXX, XXXX ( 2 times ) Weekend XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I 'm making payment of the vehicle as scheduled but for so me reason, they representatives do n't communicate with each other on the status of my account so they take turns randomly calling and harassing me. This is causing me to be unproductive at work due to the constant harassment from them. They should NOT be calling me and harrassing me with threatening phone calls at my place of employment I need it to stop immediately. Thank you!
Consumer complaint received 2019-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (PA)

Ability Recovery services have created a derogatory account on XX/XX/2019 and XX/XX/2019 according to XXXX. On XX/XX/2019 I have sent them, through mail, a letter explaining why I believe that the debt is not owed by me. The company has not responded to the letter. You can also note that there are multiple lawsuits against this company, with the complainants winning their lawsuits. 

The letter was as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2019 CERTIFICATE OF MAILING Ability Recovery Services , LLC XXXX XXXX XXXX XXXX, PA XXXX Re : Your Abusive and Malicious Conduct Dear Sir/Madam : I am disputing the alleged debt to XXXX XXXX. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX,  verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

I dispute this debt because I do not owe this debt. As someone who currently attends University XXXX Pennsylvania XXXX XXXX, it is highly unlike that I would attend XXXX XXXX, a school that is often attended by those without high school diplomas. 

Because I am disputing this debt, please notify the credit reporting agencies that the debt is disputed and delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1692, et seq.

Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request. 47 U.S.C. 227, et seq. Thank you.

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and BMW/ XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Consumer complaint received 2015-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have previously disputed the mortgage reporting by Bank Of America on my XXXX mortgage during my chapter XXXX converted to XXXX and discharged bankruptcy.They have responded that they reported correctly and experian has done a supposed investigation and claim verification.In XXXX 2015 Bank of America and XXXX XXXX XXXX entered into an agreement with the FTC concerning them reporting discharged accounts as still open and not discharged.I am asking that they abide by what they told the CFPB in their agreement they would do that was supposed to be done by XXXX XXXX am uploading my proof that they are reporting false information number XXXX that i was late and that an account that was transferred to XXXX was charged off.This same account has now been transferred to Ditech.Seems like a lot of reporting for a charged off account, that i am still paying.I am requesting that Bank of America XXXX XXXX and XXXX all correct my credit reports with all XXXX bureaus to reflect this is a discharged account with no late payments and no charge offs.I am astounded that the CFPB can not even get these companies to abide by agreements they make directly with them.
Consumer complaint received 2022-05-19
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. (MN)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 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 Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$94.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX  : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 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 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 2022-05-19
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. (MN)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$310.00} XXXX XXXX  XXXX Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$9900.00}
Consumer complaint received 2015-07-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

The monthly statement lists the New Balance Total, Total Credit Line and Total Credit Available. I have not accessed the credit line in years but called today to request money from the credit available. I was told the account was closed and I could not access any money. 
The statement is deceptive and misleading. All this time I considered that available in the event of an emergency. I call today and only need XXXX of what is stated as available and told no, there is no credit available.
Consumer complaint received 2021-07-23
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. (AR)

On XXXX XXXX Complaint XXXX I submitted the information below. 
Some has used my personal identification information to open an account and applied for others that I was not aware of until recently. I have never heard of this company and have not completed any application to purchase anything from them or received anything from them. I am a victim of identity theft. There is no third party or reason to request any type of authorization. 
The company responded on XX/XX/XXXX that they need authorization to review my dispute which is obviously a computer generated response. SO I am sending this back again today to have you remove this FRAUD information from my report.
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

On XX/XX/2022 I reviewed inaccuracies on my credit report reported by the referenced company. I submitted a written request for validation, copy of collection licenses, signed documentation that I have an account with them. The company failed to provide this documentation within 30 days. The company failed to provide confirmation that a notice was sent to me stating I had 30 days to dispute the debt, prior to reporting it to all three credit bureaus which is a violation of the FCRA. This account is still being disputed, the company failed to provide the specific information I requested.
Consumer complaint received 2022-05-19
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. (NV)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX