davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2022-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Since XXXX CapitalOne has not properly reversed a check that was incorrectly deposited in a CapOne account. After a month of phone requests, the check shows as reversed but funds have not been sent back to the original institution. I have spoken to reps multiple times and tried escalating but to no avail. Since this money needs to be deposited into an IRA account, I am at risk of additional taxes and penalties. Details below. 

I received a pension fund payout check made out to XXXX XXXX ( my name ) and deposited it via the app into my Capital One checking account by mistake. I should have sent that to XXXX for deposit in my retirement account. Shortly after realizing my mistake, in late XXXX, I called CapOne and asked that the deposit be reversed, explaining that the check was not properly for deposit in my CapOne account but rather for my XXXX retirement account and in fact should not have been accepted by CapOne because the check was made out for XXXX XXXX XXXX ( For Benefit Of ) ( my name ).. 
Over the next month I made repeated attempts -- at least XXXX times -- to get the check reversed, by calling CapOne ; each person I spoke to understood the situation and assured me it would be rectified. Repeatedly it was not. I called and spoke with representatives and their supervisors at least XXXX times from XXXX through XXXX. This was a constant struggle and used a great deal of time -- first holding on a line to speak to an agent, then explaining the situation, being told the funds would be reversed within the next few days and then realizing the funds had not been reversed. The funds now show as reversed in my account XX/XX/XXXX as an " adjustment debit. " In order to get the check properly deposited at XXXX I began calling the Fidelity XXXX XXXX, who originated the check. They have repeatedly informed me that the check can not be reissued since their system shows the original check has cleared and no funds have been reversed back to Fidelity. Unfortunately, if the check is not deposited with Fidelity and then XXXX I will have to pay taxes and a 10 % penalty on the amount of the check. On XX/XX/XXXX, I began contacting a contact name I found of CapOne 's website -- asking that the matter be escalated and again explaining the situation. I am attaching a word document that contains copies of these Emails. Fidelity says they can not help me as the funds have not been reversed to them and the check shows cleared on their side and the funds have not been reversed back to them. 
But the check shows as reversed on my CapOne account. I have contacted the person at CapOne repeatedly for escalation and redress but have not heard anything from CapitalOne to date.
Consumer complaint received 2022-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OR)

My federal student loans were transferred from XXXX to Aidvantage in XX/XX/XXXX. Both XXXX and the U.S. Department of Education communicated clearly about the transfer. 

On XX/XX/XXXX I had an email from the U.S. Department of Education confirming that the transfer of my loans to Aidvantage were complete ; I was told that within 10 days of receiving said email, I would receive a welcome letter from Aidvantage. 

I never received any welcome email or any other communication from Aidvantage. 

On XX/XX/XXXX I emailed Aidvantage explaining that I was concerned that I have received no emails from Aidvantage ( even after checking spam frequently ) and I want to be sure I'm receiving communication from them. 

A representative from Aidvantage responded to my email on XX/XX/XXXX saying that I can log into Aidvantage to view correspondence at any time. This answer does not address the lack of welcome letter/initial communication from them. 

I am proactive in my student loans my concern with this loan servicer is with no communication being sent to those of us with loans, what important dates and notices will be missed by those who aren't as proactive? This does not seem like a good first step forward with Aidvantage, and in light of other predatory lending practices by student loan providers this lack of communication does not reflect well on Aidvantage. 

An internet search revealed that I am not the only one without any sort of welcome letter or any introductory correspondence from Aidvantage even as of XX/XX/XXXX. 
It is concerning to me that there has been no communication or onboarding aside from what I myself have initiated.
Consumer complaint received 2022-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I paid Wells Fargo {$690.00} on XX/XX/2021, as part of a refinance application. An appraisal was done on my home. Since applying, it became clear that Well Fargo was not going to be able to complete the refinance, so I switched to another lender. The new lender needs the appraisal, proof of payment, and AIR certification ; Wells Fargo will not release the XXXX  two, making the appraisal unusable. I have a XXXXday rate lock with the new lender, so there is a time constraint here. The new lender insists Wells Fargo is legally obligated to release these items ; Wells Fargo disagrees. Obviously, I cant afford to sue Wells Fargo. Please help.
Consumer complaint received 2022-04-12
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. (CA)

XXXX XXXX XXXX XXXX XX/XX/2019 it shows 30 day late by Experian Credit Reporting Agency In accordance with the Fair Credit Reporting act XXXX  of the account mentioned above 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 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTY HOME MORTGAGE CORPORATION (KY)

XX/XX/2021 - Home Insurance Paid ( They paid an entirely different insurance company and asked them to not cash the check / ordered a stop payment ) - {$1400.00} XX/XX/2021 - Home Insurance Paid ( Paid my actual insurance company ) - {$1400.00} The money from XX/XX/2021 was never returned to my escrow account. Ive called in every week or so since XXXX asking about my missing money from my escrow account. 

Each time I have gotten a different response ranging from call the insurance company to get your money back ( this obviously can not be done since they paid some other insurance company Im not even aware of ) to the most recent response of we are handling this and the check is in the mail. 

I have now waited days past the time of when the check is supposed to be delivered to me to put back into my escrow. I called back in and the representative said she has no record of a payment being made to me. They are telling me they are waiting on the response from the wrong insurance company they disbursed my money to. 

GHM ( Guaranty Home Mortgage ) owes me XXXX and so far they have gotten away with stealing this money from me and now asking to raise my mortgage payment because my escrow is too low.
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (TX)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority (NC)

I called and requested a loan modification on my FHA loan back in XXXX of XXXX and was denied and told the specific company XXXX  didnt offer loan modifications. I was sent a letter of acceleration today XX/XX/XXXX dated for XX/XX/XXXX stating that in 45 days my loan was to be made current with the {$4500.00} paid otherwise it would be accelerated. I had someone from XXXX contact them stating that I would like to request a loan modification or a partial payment, I was then notified that I couldnt do a loan modification due to my loan being a mortgage revenue bond. The lady from XXXX then requested for a partial payment and was told that one was already approved then after speaking with us for a while we were told I had to send in a third party authorization in order for them to speak with her. We then sent in the third party authorization and were told that they still couldnt speak to us because they hadnt received the third party authorization yet. We will be contacting them again on Tuesday XX/XX/XXXX to find out about getting a partial payment since I have been denied a loan modification.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I am writing in regards to the service of credit reporting with Transunion. I log into my account with my personal credentials and when I click to view my credit report an error message pops up stating that I am unable to view my credit report. I would like to state that i have made several calls to Transunion and what they tell me is that their are XXXX accounts with the same name and that is why they can't allow me to access my account. Transunion takes the time to ask me for my full name, my birthday, my SSN and my residential address and it's confirmed that the info I am providing is correct and they access my account on their end. So, as I use my credentials and personal info to login to my account, I should be able to see my credit report. Based on the Fair Credit Reporting Act, It is my right to view my credit report. It is my right to know what is being put into an account that I never authorized to add my personal, work, business, loan or credit information on there in the first place. If I can't have access to my report when I log into my account, I don't want any information pertaining to me on Transunion. This is My formal complaint against Transunion.
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: OPORTUN FINANCIAL CORPORATION (TX)

I am a natural person ; consumer. I am aware that this company is attempting to coerce me into paying an alleged debt I do not owe furthermore violating my federally protected rights. Please review the attachment to see my complaint.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX XXXX with a last reported balance of $ {$2300.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (VT)

In 2010 I defaulted on a credit card balance to Chase Bank. The bank unsuccessfully tried several means by which to collect and after several years sent me a XXXX form for debt forgiveness and I paid income taxes on the implied earnings. For some reason XXXX XXXX XXXX XXXX XXXX did n't get the memo and is trying to collect. Each time XXXX these collection agencies buys defaulted loans there is a credit check and my credit scoring never seems to recover despite the fact that it has been almost six years since the original default occured.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — Store credit 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: Colony Brands, Inc. (FL)

I received a credit card bill from XXXX XXXX. I have never used XXXX XXXX and never had a charge account with them and do not have a card in my possession from them. I called to dispute the charges and the customer service representative stated that the purchase was mailed and sent to somewhere in Alabama for perfume. I explained I don't have a card, have never shopped with them, never authorized credit for them and have never signed anything for them. They want my signature to dispute the charge instead of taking the information. My thoughts is that then they will have a signature to use along with the other information they apparently have on me. This is a common scam reported all over the internet but I do not want a {$90.00} charge to affect my credit score ( which sits around 840 right now ). This is fraud, it is a fraudulent charge and I have no idea what my recourse is to get this removed. I requested that they flag and close the account since it wasn't requested by me nor do I know anything about it and they refused. Please help.
Consumer complaint received 2019-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VT)

I have attached images and a pdf of all transactions to show dates. The mortgage company, Roundpoint, has on several occasions taken our escrow money as an advance recovery without disbursing the funds. It amounts to approximately {$5000.00}. In the time they were doing this, our fixed rate mortgage went up by approximately {$400.00} per month.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MI)

PayPal I have XXXX accounts with PayPal, a personal account that has never been used for selling items and a business account that is used to both sell and buy items. 

On XXXX, PayPal; froze my personal account. 
1. I was not notified in any manner, by email, letter, or online message.

2. When I tried to access my account, I received a variety of messages online, on XXXX - in essence, I could not pay bills, buy items, close or open funding sources ( my " Wallet '' ) nor access the {$1000.00} in XXXX ( XXXX ) that I had purchased from PayPal. 
3. After calling PayPal, Chat online via their website, and using the PayPal messaging system on my account, I was able to find out : a. My account was frozen because I had somehow violated the AUP, Terms, and Conditions ( TOC ). 
b. But unless I subpoenaed PayPal no one would tell me what I had done wrong. 
c. My account was permanently frozen, I would get an email in 180 days or less that would let me know how I could retrieve my XXXX, delete my funding sources, and close the account. 
4. I called and messaged PayPal more than XXXX times in the interim and have just completed XXXX contact attempts since the XXXX period expired- with no change from PayPal and typically just getting form/canned responses. 
5. After my last call I received an email from PayPal telling me how to subpoena and/or file suit against them. 
6. And in the interim my XXXX has lost XXXX XXXX of its value- while I could not trade it. 
And I have had at least XXXX @ fraud attempts on this account via scammers. 

As a consequence of PayPal 's actions and inactions, I have been exposed to financial fraud, lost ~ {$400.00} ( on paper of value in my account ), had to find other means to pay my bills, had to deal with vendors who were not paid, chased down credits and delete auto payments to XXXX charities ( handle by PayPal in a different manner ). 

I would estimate my direct costs at {$500.00} and my indirect costs at XXXX hours with unknown damage to my reputation. 
Imagine how bizarre this is to not know why, not be able to mediate through arbitration, while at the same time I have a working business account!
Consumer complaint received 2022-04-12
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. (NV)

I have an online account with Experian to check my credit report more often since I have been a victim of identity theft in the past. I recently received a copy of my credit report from Experian and I noticed some hard inquiries in my credit report are not mine. Please remove the following fraudulent hard inquiries from my credit report. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 thank you for your help!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-12
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. (IL)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX 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 EQUIFAX 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 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 TRANSUNION 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