davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.
Consumer complaint received 2023-03-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MN)

I have a Savings Certificate from XXXXXXXX XXXX, dated XX/XX/XXXX, worth {$5000.00} on maturity date of XX/XX/XXXX. I've been saving it for retirement. XXXXXXXX XXXX merged with XXXX and then Wells Fargo. 

Wells Fargo says they have no record of it. I have record of it! Wells Fargo has assigned a few Case Managers to help. When I hear nothing from them and call them, I am assigned a new Case Manager. I have been going in circles.

I have been in contact with the following : Wells Fargo in XXXX, MN, XXXX XXXX, SD, XXXX, NC, and XXXX XXXX. Office of MN Attorney General XXXX XXXX ( They encouraged me to contact you ), and Unclaimed Property,
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On or around XXXX XXXX, 2016 I cancelled a Capital One credit card due to fraudulent charges. On XXXX XXXX, 2016 the same merchant fraudulently charged the same account ( which was closed 25 days earlier ). I followed Capital One 's advice on said cancellation but they failed to protect my account.
Consumer complaint received 2016-03-29
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

On XXXX XXXX, 2016 I sent a money transfer of {$100.00} to a friend who is starting a new job. It was supposed to be available in ten minutes ... I even got an email that confirmed it was available. On XXXX XXXX, 2016 my friend said he was experiencing problems getting the money. I contacted money gram to cancel the transaction and they told me that there was a security issue with the transfer and they needed to speak with the receiver to see if he was someone that was not allowed to use their service. 
Now, after two hours on the phone with them, they will not refund my money nor will they release it to the receiver. They say there is a government list that has the receivers name and they are trying to verify if he is the person of interest. While I appreciate the security features ... none of this was explained when I set up the account. I just want my full amount cancelled and returned to my account.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XX/XX/2016 XXXX, GA XXXX Director XXXX Consumer Financial Protection Bureau XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX Dear XXXX ; Recommendation : Legal Action Background Select Portfolio Services has responded to my grievance. The responses are general and superficial. SPS does no have the capacity and or will to address individual client complaints and to resolve injustices. 

There is a strong implication that this problem may warrant Class Action Litigation. 

First, I suspect that this economic and financial negligence is systemic. During the Great Recession numerous homes declined in price. Local tax authorities and Mortgage Servicers did adjust the tax escrows and actual payments to the house value decline. 

Further as in the case of SPS when the home was modified this was an act of evidencing an acknowledging that the home value was less than the price at origination. Hence, a tax adjustment was required. A tax adjustment in many cases such as mine would have saved the American 's homes FACT : SPS was notified that XXXX County taxes resulted in mortgage modifications becoming uneconomic. The taxes did not reflect the home market value. 

Negligence The negligence was a modification focus total mortgage debt and not government assistance and not cash flow. 

Modification ( Incomplete and Fraud in Modification ) In fact, it could be argued that less financial forbearance would have been required if the mortgage services had a tax adjustment strategy. The failure of mortgage banks to have a total risk strategy cost US taxes payers and the mortgage servicers shareholders. 

The charge is poor governance, financial negligence, and tax fraud. 

Governance It can be argued the interest earned while holding the tax escrow conflicted the mortgage servicer. This poor risk management increased foreclosures, Decreased mortgage servicing fees and income for shareholders In the case of SPS and many mortgage servicers when notified that the modification had made the mortgage uneconomic. A professional response by SPS would have been to contact the tax authorities and negotiate loss mitigation. This is because the homeowner was losing the home due to excess tax payments and not the principal and interest payment. Modification is not a modification without a tax payment adjustment or modification to market value. The modification was fraud. 

Further, SPS and other mortgage banks were negligent in forwarding or paying the escrowed taxes to the county or other tax authority when they knew that the taxes were excessive with or without a consumer 's complaint. 

SPS and other mortgage denied negligence and would like to pass the liability to the local Authorities. Many local authorities have imminent domain and a statutory limited liability. This is why SPS and other mortgages services must be included in the litigation. 


Sincerely, XXXX
Consumer complaint received 2016-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Medical Credit Corporation, Inc. (GA)

I left my apartment with a zero balance in a month to month lease. This property had no structured management therefore after paying the last month rent to the maintenance man I was unable to retrieve my security deposit or sign out of the property correctly. I decided to move on leaving my deposit. I recently checked my credit report and after 4 years this collection showed up. I checked to see if the property still remained and was able to reach a extremely difficult and uncooperative manager that would not help resolve the issue. I was told I did n't give management notice so they kept my deposit which was one months rent and added a $ 1500+ debt.
Consumer complaint received 2022-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc. (KY)

Since opening my crypto.com account and putting in a total of {$7300.00} usd i was to have a 30 day grace period free of fees i am still in this fee free period. 
i noticed every time i sold a currency the amount i keep being short was about {$350.00} to {$400.00} dollars so i started taking screen shots of my account based on current trading price and enter a sale and at this point you can see what you will receive i take another screen shot whithin seconds and see the amount i will get. 
Everytime the short fall of funds are consistently short recent examples are all on the same cryto- {$400.00}, - {$390.00}, - {$390.00}, - {$380.00}, - {$400.00} These examples cover XXXX and XXXX and i will continue these tests. I have traded stocks and options for 30 years i understand volitity and effects on bull to sell orders but when the trend has been upwards its still a loss, The crypto i was referencing was SPELL crypto which was averaging {$75.00} million dollars over prior 24 hr period thats why i did several test of current balance to balance if i completed a sale which shows on sale screen. 
I feel there should be a limit sale offered to control your sell point to prevent this man. 
And there should be a human in their ccustomer service dept to talk with instead of a short list of Which of these are your problem. 
Thanks
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (MD)

I have been paying my student loans regularly and recently decided to go back to graduate school for a XXXX. I did not request or take out an additional loan for the XXXX program. I recently received a letter from the loan company that my loans were being deferred but if I " did not want this entitlement, I may request that this deferment period be removed. '' Deferment means additional accrued interest while in non-payment status. I never requested a deferment, never authorized a deferment, and never wanted to defer my loans. Not sure how the company could just automatically do that without my knowledge, consent or permission.
Consumer complaint received 2022-02-09
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. (LA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2022 I was scammed through XXXX XXXX by making a payment through XXXX. The scammer messaged me with the name XXXX XXXX to purchase my headphones that were priced at {$290.00}. Hi insisted on making an early payment before meeting and insisted on using XXXX. I provided my QR but they insisted my email address. They claimed to make the payment and I received an email saying that I could not receive the transaction because my account was not a business account. The instructions were that XXXX should send an addition al {$290.00} and I should directly refund him {$290.00} for me to receive the payment. They claimed to make the additional payment and I made a refund deposit following. An additional email came giving me the same instructions but for twice the amount. 
I reported this to Chase and XXXX to stop the transaction or make a dispute, but they claimed that these cases where out of their hands.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Dream Center Education Holdings (FL)

Im having issues with paying back my loans XXXX of the schools I attended wasnt accredited.. XXXX XXXX wasnt accredited and they messed up my financial aide. XXXX sped me through the process and I didnt learn anything from them..
Consumer complaint received 2015-08-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SQUARETWO FINANCIAL CORPORATION (CA)

I am receiving calls from a debt collection company for a non-existent debt. I originally filed a complaint to comsumerfinance.gov XX/XX/2014. The company'w response was that my name was closely associated with one they had a contract with. They admitted they had no contract with my name or s.s. number and said they had removed my number from their system. However, to this day they continue to call me and leave messages that I need to contact someone in their company about a debt.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau 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 remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$8400.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2015-03-24
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: EZCORP, INC. (KS)

I set up a date with the collector from ez money payday loans to pay a settlement amount he couldnt do it the same day because they were still trying to collect it from my account the collector called me a day early, then called me the next day. I tried to pay it and he decided to raise the amount by {$50.00} then refused to take anything less which I could n't pay. Now they are calling me at least XXXX a day on the same number which I have told them several times is inconvient to me.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : XXXX : XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

While checking my credit score, showing missed payment of XXXX XXXX  of XXXX, as I already paid my gas bill of XXXX in XX/XX/year> on time as XXXX XXXX moved to new billing system but in credit agencies equifax, XXXX, XXXX credit report, showing missed or late payment that ruining my credit history and score .I already raised complaints and dispute for correction of my correct information as I never missed any payment.
Consumer complaint received 2024-02-22
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 notification from the IRS saying that someone filed taxes in my name last year. This was also done for the year of 2016. I have alerted the credit bureau but they continue to report incorrect information. They have a bankruptcy listed as well as an XXXX account that showing lates and an XXXX account, one which was closed many years ago and the other reporting 30 days late on an XXXX balance. I have disputed these items without success. I have documentation of the fraud, the letter from the bankruptcy court denying supplying any such information to the credit bureau. They are also showing incorrect personal information which I have disputed without success.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Deposited XXXX check account was flagged for XXXX checking and savings was frozen and ins check was held. This has been since XXXX. I received a check for savings today but nothing for checking or ins check. Have called and went into bank several times I am not able to get access to my money at sll
Consumer complaint received 2015-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (OH)

In XXXX, I purchased my duplex condo through XXXX XXXX XXXX. At the purchase agreement signing I was told that the original HOA had been dissolved and that an agreement would exist between me and the adjoining condo to maintain the property. I did n't question this until XXXX when the adjoining condo went into foreclosure and I assumed the costs of maintaining the entire structure and property. In XXXX I knew I would be retiring soon and looked for a realtor to sell my property. I approached XXXX realtors over a year and none would agree to represent me as I was underwater and had no existing HOA agreement. I attempted to refinance to lower interest rate and did not qualify because I was {$60000.00}. underwater and there was no HOA agreement. XXXX more condos on my block foreclosed bringing comparables to a third of my purchase price. Green Tree Servicing took over my mortgage in XXXX. In XXXX I stopped making payments and found a realtor who would try a short-sale. I found a buyer but the property was foreclosed on before the paperwork at the bank was completed.
Consumer complaint received 2020-06-01
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)

CFPB DISPUTE RE : XXXX  XXXX XXXX credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX -Mother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX XXXX My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted XXXX  XXXX XXXX after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.
Consumer complaint received 2019-02-23
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Comerica (CA)

I've.treid what I've believed to be every thing that the company XXXX XXXX asked for to no avail the company gave me the runaround .form one person to another it was always something else .never got the.honest answer form any of the agents at both levels.it started XX/XX/2018 till XXXX. Of XXXX. The amount of money can form military and Social security disability.for the amount of XXXX dollars I was denied recompense because they said they never received the paper work that was asked of me I have record of dates and times I submitted the ivedest of my complant.sencerly XXXX XXXX XXXX. Phone number ( XXXX ) XXXX or ( XXXX ) XXXX thank you for your serves.