davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (MO)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel I am being taken advantage of and being looked over in my disputes in detail. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted the XXXX data breach and may have got into the wrong hands.
Consumer complaint received 2020-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel I am being taken advantage of and being looked over in my disputes in detail. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted the XXXX  data breach and may have got into the wrong hands.
Consumer complaint received 2020-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: FISERV INC. (GA)

We are an XXXX XXXX XXXX which has XXXX   and does its XXXX in usa. We started processing our Cerdit Cards with a company called First Data or account number is ... XXXX or Company name is XXXX XXXXXXXX XXXX XXXX XXXX 

This company allowed use to process over {$6000.00} usd almost two weeks ago, and then never deposited it into our account. We recieved a letter stating when we open this account with XXXX XXXX that she filled the forms out wrong and show we only do tickets up to {$500.00} and {$4000.00} per month max CC processing but our bikes range from {$2500.00} to {$5000.00} and we are doing {$60000.00} or more a month. 

Now since they are holding all this money and will not respond and the risk management will not answer our calls or their own company calls we can't even refund our buyers and charge with a different processor. We have already shipped these bikes out to the buyers, so now because of this processor First Data, we can't buy new product, we can't pay our employees and they are trying to put us out of business. Please if you could do anything you can to help this get resolved and please make sure all other companies know how poor this company is to work with.
Consumer complaint received 2020-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TN)

Since around XXXX I have been requesting Wells Fargo to stop charging me added on insurance and to refund amounts that I paid on my auto loan that was due to be paid off in XXXX. In XXXX, after making payments for nearly a full extra year after the loan maturity date, I did not pay the remainder that Wells Fargo said was owed. I had disputed the insurance fees for years and they ignored me and I refused to pay the final amount. Wells Fargo kept my car title and charged off my account remainder. The charged off amount has been affecting my credit ever since. In XXXX I paid the charged off amount in order to get the title and change the credit report to paid in full charge off. In XXXX I became aware that there was a class action suit against WF for the insurance charges. I contacted Wells Fargo several times and they just kept telling me that they were looking into it. In late XXXX I received a request for proof of insurance. Also, in late XXXX, I received a check for {$18.00} with an explanation that it was a reimbursement owed. This is not an amount that even covers what I paid in bogus insurance fees. My credit report has been severely affected by all this for years. In XX/XX/XXXX my credit score dropped 20 points due to WF reporting my account as bad debt placed for collection. I am currently attempting to obtain an auto loan and preparing for a mortgage so this credit score drop is preventing me from doing either.
Consumer complaint received 2022-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have disputed this account serval times. I demanded to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

LVNC Funding {$120.00} XXXX Unverified Account
Consumer complaint received 2020-11-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account.
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, I transferred {$56000.00} from my XXXX business account # XXXX to my suppler, XXXX XXXX. XXXX at Chase XXXX put a hold on my suppliers account and then closed it for unknown reasons. The case # XXXX was given to my supplier, XXXX XXXX. What is important to know is that XXXX has made as many as 15+ communications to Chase without a response. 

XXXX, Senior VP, XXXX XXXX, XXXX, XXXX who was looking into my case told me that Chase was going to reissue a cashiers check to me for {$56000.00}. This was 123 days ago because Chase has lost the check twice and did not track the check. 

I have my home mortgage with Chase and my business credit account has been with Chase for 20+ years. I know that if this is happening to me it is happening to other loyal customers of Chase. They think their untouchable resulting in my closing my XXXX XXXX and laying off employees. I need someone to report this because this shows the real incompetence from Chase. 
Pleasse contact XXXX XXXX, CEO, JPMorganChase, XXXX to let him know of the incompetence of his Chase employee who has caused my XXXX XXXX and many others to close their doors during the Covid-19 epidemic. Please help me with this situation. This should not happen in America. 

Best regards, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a Bank of America ( BoA ) client for almost four years, who is being penalized for the mistake made by the bank. On Thursday, XX/XX/XXXX two transactions that amounted to a total of {$1800.00} was falsely withdrawn from my checking account at two different Bank of America centers in New Jersey. One was for the amount of {$1500.00} withdrawn from the banking center in XXXX, New Jersey and another was for the amount of {$300.00} withdrawn from the banking center in XXXX XXXX XXXX, New Jersey. The withdrawal of these transactions left me with only {$4.00} in my account that day. Almost everything was taken out of my account. Prior to all my money taking out in my checking account on the XX/XX/XXXX, there was a breach on my checking account on Saturday, XX/XX/XXXX. Someone was using my debit card to make a transaction. Bank of America sent me an alert and email to call them to verify my account which I did.A representative from the bank asked me if I made a purchase of {$5.00} ( not entirely sure the amount but i know it was around {$5.00} ) that day. I informed her that I never made that transaction. She later  reversed the transaction and affirmed that since I did not authorize that transaction, she would have to close my debit card for my checking account and reissue me a new card. While waiting for my new card which takes 5-7 business days, I got an email on the XX/XX/XXXX stating that my balance was below {$25.00}. I quickly checked my account only to realize that my money was redrawn with the same debit card I was told will be closed on the XX/XX/XXXX. Since the occurrence of this incident, I have cooperated with Bank of America by immediately filing a claim with the banks check fraud department as well as filing a police report. In addition, my wallet was not stolen and I had my debit card with me. One of Bank of America 's representative who works at the banking center at XXXX XXXX, New York, even helped me fax the police report to the claims department on Friday, XX/XX/XXXX. However, on Tuesday, XX/XX/XXXX, BoA denied my claim, stating that my ATM/Debit Card and Pin were used in the transaction. I did not authorize those transactions. I do n't even know how the people who did this to me got my pin number. This has been a stressful situation and I will never wish this on anyone. And, as an indigent XXXX living in New York, where the cost of living is very high, not returning my funds has made it very difficult to meet my basic and educational needs. All I need is my money back. I worked really hard for that money.
Consumer complaint received 2020-09-21
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. (NJ)

Hello. I disputed with XXXX XXXX at the end of XXXX about a false bankruptcy on my credit. They have since had it deleted. They have sent manual disputes and I disputed with the credit bureau as well. They keep coming back as verified when XXXX XXXX has clearly removed it from the report. They are refusing to delete this incorrect information even though I have provided valid proof. Also the addresses listed on the furnisher does not give out this information to credit bureau nor do I even live in any of those locations to have filed.
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

I took out several federal student loans to complete XXXX XXXX. The loans were then transferred to Navient to be serviced. I enrolled in the pay as you earn repayment program after advice from a friend. Once I was enrolled in this repayment program I enrolled in autopay to pay the amount required by the repayment program which was {$86.00}. I was alerted by the company that it was time to renew my repayment program on XXXX XXXX, XXXX. I submitted my application and received a confirmation letter that my application had been received on XXXX XXXX, XXXX. There after I was waiting for my application to be processed. I had not heard of approval of my application so I called the company on XXXX/XXXX/XXXX to inquire on the status. I was told that the company had what they needed and it was being processed. They granted me a forbearance request to postpone payments while my re-application for my repayment plan was being processed. On XXXX/XXXX/XXXX {$2200.00} was auto-debited from my account. I called the same day to inquire about the status of my account. I was told my application for the income based payment was stalled because of missing paperwork despite the fact that the company had told me it was complete on XXXX/XXXX/XXXX and never sent a notification that the application was incomplete. I requested to have my money returned and I was told it was a several week process. I submitted the necessary paperwork and was approved for the repayment program on XXXX XXXX, XXXX. I did receive a refund on XXXX XXXX, XXXXafter calling the company several times to push the request through the system. In addition to the financial hardship of being without the {$2200.00} for approximately 2 months I received a notice from Navient that I lost a 0.5 % loan reduction benefit for not making 12 monthly payments. Had the process worked as intended I would have made the payments from the income driven repayment program.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (TX)

Ditech Mortgage has committed fraud by changing information on my account. After asking repeatedly to get an account detail list of my payments, the company that just purchased them send me a list. I discovered in XXXX Ditech claimed I refinanced a loan. There are no documents shown to prove this. Furthermore I would never attempt another loan with the company or refinance. In fact I've been paying down on my principal. 

Another situation is their reporting of late payments in XXXX and XXXX which is affecting my credit. I have tried to explain this many times and may have to resort to legal aid. There were a few times when I communicated with Ditech by phone. An employee of Ditech, XXXX approved of having my payments deferred. Three months later I was contacted by Ditech telling me this was not approved even though XXXX told me it was. I made up the payments slowly but there should not be a bad credit report because I acted in good faith and believed this was settled. 

Ditech Mortgage is in bankruptcy and another company has taken over but they can not answer for the past errors. Please help. I have a mobile home about to fall apart. I'm trying to buy a new home and will pay off my mortgage with the sale of my land. Everytime I look my credit keeps changing. It went up to XXXX now it's below XXXX and I've not made a late payment to anyone since early XXXX. I desperately need help!! 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquiry Equifax, XXXX, and XXXX, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within XXXX  days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.
Consumer complaint received 2020-09-21
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. (TX)

I was informed by TransUnion that XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) made a hard inquiry on my TransUnion credit report on XX/XX/XXXX. I have contacted XXXX XXXX XXXX twice since learning on this hard inquiry because it reduced by credit score. XXXX XXXX XXXX representatives tell me that they can confirm that I have not applied for any lines of credit, nor have I attempted to consolidate my loans. I have been told by three representatives ( after being transferred to an executive office ) that I have not applied for anything and there should not have been  a hard inquiry made on my credit report. When I ask them to fix this matter, they tell me that they need more information from me and I will receive a letter requesting the information in 7-10 business days. I had the last representative read the letter to me that I will receive in the mail over the phone and I have already provided the information they are asking for. I am very frustrated and see no end in sight. I'm not sure how to get this matter resolved, but it needs to be done promptly. This hard inquiry also lowered my student loan co-signer 's credit score. Please tell me how to proceed.
Consumer complaint received 2020-01-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (CA)

We leased a new BMW with XXXX BMW in XX/XX/XXXX. We have leased many cars from BMW in the past. Every car we have leased comes with the free scheduled maintenance for the duration of the lease, in this particular case, three years. We were never told otherwise at the dealership. Recently on XX/XX/XXXX, I brought my car into BMW XXXX, XXXX XXXX for an oil change which is covered by the lease maintenance but was charged XXXX for the oil change. I asked the service advisor to clarify and he stated it was a recent change in BMW dealerships. I asked him why would this affect me if this was not disclosed at time of lease but there was nothing he could do about the charge. I unhappily paid the charge and contacted BMW North America. I emailed and got a response stating this was always BMW 's policy as to which I responded then why would the service advisor tell me this was a recent change. BMW then contacted me by phone and left a voicemail to call them back. I have called back twice and left messages for XXXX, the escalations rep at BMW that contacted but have not heard back. I should not have to pay for something that was not disclosed at time of lease. I interpret this as less than an honest way to do business. They do not return my calls in hopes I do not go through the trouble to follow up. But here I am taking time out of my schedule to file a complaint.
Consumer complaint received 2024-02-29
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. (MT)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (TX)

On XX/XX/21 Cross Country Mortgage ( XXXX XXXX  ) took out two ( 2 ) mortgage payments totaling {$4000.00} ( {$2000.00} normally ). I had to move money immediately, so I would not overdraft on my banking account. I called customer service ( XXXX ) XXXX on XX/XX/21, but was unable to get through. I called again on XX/XX/21 and spoke with a customer representative that I needed to verify proof that they took it out twice. At the time of the conversation, my bank just showed " pending '' on the 2nd payment and the mortgage company would not refund my money. After I had proof the funds took out I called the mortgage company again ( I do not know this date ) and they had already in process of refunding the money on XX/XX/21. I called again on XX/XX/21 to understand why my account had not been credited the money. I was told by a customer service representative that the process is to issue a check and it would be mailed on XX/XX/21. I asked why I hadn't been notified of this before and the CSR just said it was " the process ''. She also said it would be about 7 - 10 business days before I would receive the check. By the time I get my money, it will be time for my mortgage to take out again. On XX/XX/21 the mortgage company called wanting clarification as to why I submitted poor reviews of the customer service and reiterated that it is because they took my mortgage out twice and were unable to provide my money back as easily as they took it. They never explained what their " process '' is, but if money is taken out electronically it should be able to credited back electronically. I am not in the position to be out {$2000.00} until the check arrives.
Consumer complaint received 2020-09-21
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. (GA)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.