davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you kindly review the documents? Several of the listed accounts are inaccurate, and it's causing me discomfort.
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was scammed by someone messaging me about interest in an item I listed for Sale on XXXX XXXX. The individual made me believe I had to open a " Business Account '' on Zelle in order for them to pay me for the item. They sent me fake transactions on their end and fake email messages pretending to be from Zelle. I was asked by the fake " Zelle '' that I needed to send a refund of {$200.00} to the buyer and then our original transaction and my " Business Account '' would be complete. 

I sent {$200.00} via my Zelle account to XXXX on XX/XX/2023, around XXXXXXXX XXXX. 

I then received another email from the fake Zelle account that I now needed to send another {$400.00} and there were a ton of typos in this final email. This is when I blocked the user on XXXX XXXX XXXX and reported the scam and fraudulent transaction immediately to XXXX XXXX, Zelle, and the FBI. 

XXXX XXXX said they would try to refund me the {$200.00} in question but never did.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

I disputed a charge back in XX/XX/XXXX. Ive been back and forth with AmEx for 6 months now! Finally on XX/XX/XXXXXXXX  they agreed to refund my money. See final letter attached. Here it is almost two months later and AmEx has never sent the money. Each time I call them I get a person that barely speaks English and they promise the refund will be on my next statement. I would expect such horrible service from XXXX  XXXX but never Amex. This is simply a disgrace!
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Failure to provide written response within 30 days to a request to remove PMI. 
I sent a letter with supporting documentation to LoanCare by certified return receipt mail that was delivered on XX/XX/2019 to the company. I received a letter dated XX/XX/19 stating that I would receive a response within 30 days of LoanCare receiving my letter on XX/XX/19. Today is XX/XX/19 and the company has failed to respond within the required timeframe. 

I have tried to call their mortgage resolution department at XXXX during business hours numerous times, leaving a message each time asking for someone to call me with no response. 
Original loan : {$230000.00} Current balance : {$130000.00} 10+yrs and I can't seem to get them to drop the PMI. The loan balance has been well under the 80 % loan to value mark for many years. I'm tired of paying $ 80+ per month for PMI. 
Please help! 

Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXX XXXX XXXX : {$4400.00}
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I received your response Last ( XX/XX/year> ) that you need my updated email address which is ( XXXX. ) I sent a complaint to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # 's XXXX ; XXXX & XXXX. I am including it again.
Consumer complaint received 2015-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I am filing this complaint on behalf of my clients. XXXX XXXX of XXXX XXXX XXXX XXXX, New Jersey XXXX. They are from XXXX and speak a limited amount of XXXX. The clients retired and could not longer maintain the mortgage. Clients stated they attempted to sell the property but the market during that time was too low and they were unable to get their asking price. 
Clients state they asked for a short sale, but was never provided information on a modification or any retention programs offer. 
When they came to XXXX, they had received some terrible advise. They had filed bankruptcy, and had limited amount of savings. 
Once I investigated the information provided and back tracked to Penny Mac, what they did do to attempted to do to assist the clients I found the following : They were sent to a translator that only spoke XXXX as a second language, They were never provided information to obtain a modification, forbearance or mediation in a timely fashion. 
The attempts I have made to assist them has been met with phantom phone numbers to attorney 's and letter send after the fact. I spoke with Penney Mac to attempt some relocation funds in XXXX. The sent a letter when we clearly stated they would be out of the country to attend, to an ailing mother. So the offer expired prior to their return. 
The Client has been issued a eviction but was not Offered any assistance they could use in a timely fashion. 
I believe they are not acting in a fair business manner as it relates to these clients. I have tried to contact agencies in their area, the attorney XXXX XXXX and leave messages with no answer. 


Thank you for any assistance you may be able to provide to XXXX XXXX and spouse. 

XXXX XXXX. 
XXXX XXXX
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (NJ)

AN UNAUTHORIZED PAYMENT OF {$760.00} WAS TAKEN OUT OF MY ACCOUNT FROM MY INSURANCE COMPANY WHICH I DISCOVERED WHILE MAKING MY MONTHLY INSURANCE PAYMENT I IMMEDIATELY CALLED AMERICAN EXPRESS TO HAVE THAT {$760.00} PAYMENT REVERSED BACK TO MY ACCOUNT ONLY TO BE TOLD IT'LL BE UNDER INVESTIGATION SO IN THE MEANTIME I'M OUT OF OVER {$1000.00} MY REGULAR PAYMENT TO MY INSURANCE INCLUDED IT'S BEEN ALMOST 2 WEEKS MY BILL COLLECTORS CALLING MY BILLS LATE XXXX I'M XXXX I DON'T HAVE AUTO PAY WHAT IS THE XXXX PROBLEM WITH PUTTING MY MONEY BACK INTO MY ACCOUNT I'M APPALLED I WOULD NEVER RECCOMEND BLUEBIRD AMERICAN EXPRESS TO ANYONE ALIVE THIS IS RIDICULOUS THEY XXXX
Consumer complaint received 2019-10-02
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. (UT)

XXXX XXXX  # XXXX is reporting a balance on an account and updating that I settled back in 2017. I have and have attached a deletion letter I received stating this account is settled and should be removed. There is no reason for it to still be updating on credit and it needs to be removed.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/XXXXto XX/XX/2019 statement Payments were made in full, less new purchases. In XX/XX/XXXXto XX/XX/XXXXstatement Balance was paid in full on XX/XX/2019. Payment due date was XX/XX/2019. XXXX A National holiday ) Actual payment was made on XX/XX/2019, but due to holiday, not processed thru Bank of Americas website until XX/XX/2019. Then posted in XX/XX/2019. Next statement I was charged {$6.00} interest. Before that I was charged {$8.00} in interest in XX/XX/XXXX. I called Customer service and after a 30 minute hold with computer held messages, I was finally transferred to live operator XXXX. Upon explaining my request to return {$8.00} from XX/XX/XXXX, and {$6.00} from XX/XX/XXXXin interest charged, She explained their policy is that I would need to pay the full balance for two months straight to avoid interest. I explained that was wrong, she then put me on hold, and returned with the answer that I was late on payment which was due on XX/XX/2019. I again explained payment was paid on XX/XX/2019 and not processed until XX/XX/XXXX and posted on XX/XX/2019. She stated they were open 24 hours a day and the interest charge for both months will remain. 
I feel BOA is charging interest on accounts who pay in full, fraudulently and want to report them for manipulating dates and payments. I also am demanding return of {$14.00} taken as interest payment which if I did not pay, would result in late fees and negative credit reporting.
Consumer complaint received 2019-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I have an Income Based Repayment plan for my loans. I was directed to re-certify my income in XXXX, which I did using the online system to connect my loan servicer directly to the IRS. I received no confirmation or other communication throughout the month of XXXX and XXXX until XX/XX/XXXX when {$1700.00} was pulled from my checking account ( my usual payment is {$130.00} ).  This draw will make it so that I can not pay my rent and may be evicted. This is the second time this has happened with Nelnet and Department of Education loans. How hard would it be to at least let someone know/confirm before drawing over 100x the usual payment? This shouldn't be allowed with auto-payment, it is predatory and in the end, if my problem is fixed and the payment refunded, or if I end up homeless and bankrupt it will only hurt the company that's not going to receive future payments and will have to pay their employees to spend hours with me on the phone trying to fix this. I went through a similar situation a few years ago that was ultimately resolved but a huge waste of my time and emotional well-being as well as the company 's time and money.
Consumer complaint received 2016-03-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (KY)

Midland funding has sent numerous letters and made phone calls after the fact that they tried to put a judgement on me throught court. I fought that judgement and won, they could not prove to me or the court that I owe them any type of debt. So it was dismissed. It is still on my credit report after XXXX attempts of dispute and also sent via certified mail copies of the court findings. I do not think this should be on my credit report so I pray that something can be done.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NJ)

My XXXX is XXXX XXXX XXXX. I used Wells Fargo in XXXX nj. I do not remember my card # or account # I had to close my account atleast a year ago. I had to pay ridiculous amounts of fees totaling thousands of dollars which put me further behind in my bills. Ss # is XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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: Advantage Credit, Inc. (AZ)

There is an unauthorized hard inquiry on my credit XXXX credit report. The inquiry was requested on XX/XX/XXXX  from XXXX XXXX XXXX via Advantage Credit Inc. I have been unable to get this inquiry removed.
Consumer complaint received 2023-04-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

My identity was found in four different data breaches I'm assuming this is one of the many attempts and successful ones at that to steal my identity to open up loan accounts or payday loans. Please remove this debt off my record
Consumer complaint received 2023-01-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (MI)

Very misleading, insane interest rate ( 165 % ) I needed this for a short term dental emergency and this company wouldnt approve me because my bank letter wasnt signed by a bank employee ( my bank is XXXX XXXX they dont offer that ) I provided a voided check with my previous address, my bank statement, a direct deposit letter all which contained my current address, I also had XXXX XXXX send over detailed account history as well. They now have a ton of my personal information and are refusing to work with Me. Even though I have verified my bank through means acceptable to the IRS. Biggest scam company out there. I will be reporting them to the XXXX too.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I, XXXX XXXX, booked a hotel on XXXX for my son, XXXX XXXX on XX/XX/2019. He was supposed to check in on XX/XX/2019. I also faxed in a credit card authorization form on XX/XX/2019. However, when he arrived at the hotel on XX/XX/2019 the staff at the hotel told him they did not have the credit card authorization form so they did not allow him to check in. He had to go to another hotel and pay cash in order to check in. However, my credit card was still billed on XX/XX/2019 for {$340.00} and on XX/XX/2019 for XXXX eventhough he was not allowed to check into the hotel. In addition my cara was charged twice for the same hotel stay. I should not be charged two times. In fact, I should not have to pay at all for a hotel he was not allowed to check into
Consumer complaint received 2016-03-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

XXXX XXXX XXXX XXXX has contacted me on XXXX separate occasions about a balance due on an HSBC-XXXX Bank Credit Card that was open sometime in XXXX and presumptively closed in XXXX. When I asked for more information about this past due account I am not provided any information. The balance in the collection notice states that I owe {$1300.00} but when I am told the balance is approximately {$2800.00}. I took sometime to contact HSBC XXXX -Bank about this account on XXXX XXXX, XXXX and learned that I have never had a past due balance nor has my account ever been placed in a collection status. Furthermore they informed that all HSBC-XXXX Bank Credit Cards were sold to XXXX XXXX in XXXX. I contacted XXXX XXXX on XXXX XXXX, XXXX at approximately XXXX and spoke with a customer service representative who confirmed that my previous HSBC XXXX Bank XXXX with a balance of {$1300.00} was purchased by XXXX XXXX in XXXX and was never sent to a third party collection agency. My account is still current open and in a good standing. Also when the account converted over to XXXX XXXX I was given a new account number to go along with the new XXXX XXXX Card. I spoke wit XXXX XXXX XXXX XXXX about this account again and informed them that XXXX XXXX and HSBC both confirmed that my account was never sent to collections. XXXX XXXX XXXX XXXX stated that my account has never been transferred over to XXXX XXXX and that they are demanding payment. They stated that they will take legal action in XXXX and request a judgement against me. I have asked them to cease further contact and I have sent them a letter but they are still continuing to contact me.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am Requesting the Removal of Inaccurate XXXX  Payment Entry from Credit Report. Account XXXX : XXXX In light of these regulations, I request that you take immediate action to rectify this error by removing the inaccurate XXXX  payment history entry from my credit report. I emphasize that this request is not made frivolously, but rather in accordance with my rights as outlined by the FCRA. I have enclosed copies of supporting documents [ attached file ] to substantiate my claim of XXXX payment. I trust that upon review of this evidence, you will promptly correct the erroneous information on my credit file. Please provide written confirmation once the necessary corrections have been made. Additionally, we request that you furnish my client with a free copy of their updated credit report reflecting the removal of the inaccurate XXXX  payment entry. In addition to the inaccurate XXXX  payment entry, it has come to our attention that the credit report provided by your agency differs from those provided by other consumer reporting agencies. Such inconsistencies raise concerns regarding the accuracy and reliability of the information being reported by your agency. In light of these legal obligations and discrepancies, I hereby formally request that you take immediate action to rectify the error by removing the inaccurate XXXX  payment entry from my client 's credit report. This request is made in accordance with their rights as outlined by the FCRA, and failure to comply may result in further legal action.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CT)

On XX/XX/2019, someone walked into the TD bank on XXXX XXXX in XXXX,  NJ, and withdrew a total of {$2500.00} from the TD bank checking account I share with my wife. I live in Connecticut and have never banked in NJ. Two withdrawal slips were submitted for {$240.00} and {$2300.00}, and my last name was wrong on both slips ( it was my wife 's last name ). My first name was also spelled differently ( and incorrectly ) on one withdrawal. My signature was forged badly, and inconsistently on each withdrawal slip ( one included my middle initial, and the other did not ). No amount was written out on the first withdrawal, and on the second withdrawal the amount written out was XXXX XXXX XXXX but the numerical amount was XXXX. The date on that withdrawal was also wrong ( " XXXX ) It appears the bank teller wrote out my account number, and also my drivers license number. It is not clear whether the teller had this information already, or was given it. After the transaction was approved, and someone walked off with {$2500.00} in cash from my account, TD bank froze the account -- apparently discovering the fraud too late -- but never informed me of the fraud or the fact that the account was frozen! As a result, several auto-pays I had set up from that account failed, and I was charged by the intended recipients for those failures. 

I reported the crime to my local precinct, and to the XXXX NJ police, but despite contacting the bank numerous times, I have yet to hear from anyone from TD bank 's fraud department, and yet to receive credit for the money stolen. 

It seems clear to me that the bank was grossly negligent, at best, and someone at the bank may have been involved in the crime. Can you help me?
Consumer complaint received 2024-03-09
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)

I purchased and signed a contract to purchase my vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. My mom XXXX XXXX is my Co signer and my name is also on the contract. I reached out to XXXX XXXX XXXX  back in the begging of XXXX to see why my car loan has not been reported to the credit bureaus and my payments as well and to see why it does not show I have a auto loan in mine and my moms name. They started an investigation and said it would take 30 days to hear something back and I would receive an email. They said if i did not see an update i needed to reach out to the credit bureaus myself and they would have to take care of this issue. They never called me or emailed me like they said they would so I reached out XXXX XXXX. They said the investigation was closed XXXX XXXX and everything the credit bureaus needed was sent over to them and they should be updating it. I called XXXX XXXX and Equifax yesterday XX/XX/XXXX to see why I have not seen it on my credit report yet. They said I would need to call XXXX because they never received any information on this loan and it was out of their hands. I called XXXX XXXX XXXX back the same day and XXXX basically said there was nothing they could do, that an investigation had already taken place but there was no updated notes on the account. I was very upset and frustrated that I am paying for a vehicle that is not even being reported and i feel I just keep getting the run around and there is nothing I can do about it. I asked to speak with a supervisor but they would not transfer me and said the department I needed to speak with was closed already. I spoke with a CSR named XXXX at XXXXXXXX XXXX XXXX  and he said they would note my account to have someone call me back XX/XX/XXXX at XXXX but no one ever called me. I called back at XXXX that same day while i was still at work and I spoke with a CSR at XXXX XXXX XXXX  named XXXX who said there was never a note made and there were no supervisors on the floor available. I called back about the same thing three more times on different dates over the past 8 months and get the same response but still have received no emails and the credit bureaus still have not received anything till this day. I feel that im getting no where! I XXXX XXXX XXXXXXXX XXXX and they have lawsuits against them and other people have the same issue with them not reporting to the credit bureaus and get the same response but get nothing back! They also gave me a car with a 20 % interest rate. I will never finish paying this vehicle off!!
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (AL)

I opened a comcast account the bill was paid XX/XX/2017 and then it was closed by XXXX saying it was not up to date but later they found that it was incorrect. I did not reopen the account and brought back equipment to XXXX XXXX, the associate assured me everything was taken care of and it was closed. 

This collection started popping up, out of blue and saying I owe a debt which is not true. This is a false collection because they have no payment history, no explanation of debt, and they keep changing their name every time I dispute it. 

Now its AFNI, debt change to {$280.00}, before which was two weeks ago, It was XXXX XXXX with debt of XXXX.