davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MD)

On XX/XX/XXXX 2017 I sent a validation letter to Enhanced Recovery Corp they recieved itXX/XX/XXXX 2017 on the behalf of XXXX. I ask in the valdation letter for them to send me a signature of the contract and validated the debt the say I owe. The sent me a bill of the phone useage from XXXX themselves. I then sent 2nd letter tell them this does n't validated an debt an to remove this debt of my credit or I will be force to take legal action I sent the 2nd letter onXX/XX/XXXX 2017 giving them an additional 5 days business to validated the debt they recieve that letter on XX/XX/XXXX 2017 it is pass the debt but they have recently reported a new collection on my credit onXX/XX/XXXX 2017 but having validated my debt
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

Two years ago Chase Bank assumed my Mortgage loan from another Company. Due to " human error '' they cancelled my Insurance and purchased " lender placed '' insurance that costs 5 times what my old policy did, for two years. After purchasing the policies, they looted my escrow to pay for the policy, which raised my Mortgage payments, and I kept paying. After calling my old Insurance company, I realized that the Bank was at fault. I was able to be reimbursed for one policy for XXXX but the Bank refuses to reimburse me for the other policy for XXXX, even though it is sitting in my escrow account ... illegally. My mortgage statement says the amount in escrow is XXXX which is a breach of Section 10 of RESPA. Also, this is the second complaint I have filed. There are half a dozen other violations having to do with Federal Law with my loan, as well. I am seeking representation but it is my belief that Chase Bank should be fined for its illegal behavior. I am working on getting representation to sue them for damages but I would appreciate any cooperation from an Authority because I am a victim here and the law has been broken. Chases behavior is no less than predatory. I am also contacting the Massachusetts Attorney General and anyone else who may be able to hold them accountable. I have attached my escrow statement as proof beyond a doubt.
Consumer complaint received 2023-01-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter asking XXXX, Transunion and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, Transunion and XXXX have 30 days to investigate and send me the results. 

And they also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below :
Consumer complaint received 2022-03-07
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. (AZ)

I have several accounts that are reporting negatively on my report that's causing severe harm and and credit denials during a severe time of need I am currently XXXX  so I need my credit to obtain housing. FCRA 605B states with a police report and FTC report the information should be deleted and suppressed that is fraudulent or a result of the identity theft that I am currently experiencing my information including my social has been leaked onto the dark web and I am constantly being harassed by creditors such as XXXX who leaves 5-6 messages daily requesting and harassing for payment and other debt collectors that XXXX XXXX and Equifax are neglecting to accurately investigate and report. XXXX has a through understanding of my Identity theft as they are constantly giving updates as well as I have a claim and specialist that I am working with to recover my identity to the best extent but at this point the only solution is a reissuance social security number due to the severity of the breach. I request that all three bureaus remove immediate the fraudulent information outlined in the attached police reports and also the results from the Identity theft so that I can go back to having the accurate score and reporting that I acquired short of 6 months ago which was a XXXX score.
Consumer complaint received 2017-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I received my XXXX 2017 mortgage statement and it stated i had missed my XXXX 2017 payment. i checked my online banking record and the payment was marked as paid on XXXX XXXX 2017. I called my mortgage company and i was told to send proof. I sent the copy of the on line banking check and a copy of my bank statement verifying the funds where paid out to the Penny Mac Mortgage company on XXXX XXXX 2017.. I received a call 3 days later and was told that there was no " stamp '' on the back of the cashed check that could prove that they deposited it in there XXXX XXXX XXXX account. I was told that i must pay or my credit would suffer. i asked if they could at least try to find the deposit into there XXXX XXXX XXXXXXXX account and i was told no. Now my credit is being marked derogatory and i must pay my mortgage payment again. I was just hoping someone could help me convince Penny Mac to start an investigation into where the payment was cashed to. Even though i gave them all the proof from my bank that it was cashed they said they could n't of received it because they would have had to have stamped the back as " for deposit to XXXX XXXX XXXXXXXX ''.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I sent a letter onto remove items that is 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 items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2020-11-28
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: EQUIFAX, INC. (FL)

I am filled with every emotion! I am XXXX and sad at the same time! My initial response to the INACCURATE items on my credit report sent as stated in an earlier message on XX/XX/2020 and I also sent another letter ( demand to comply ) on XXXX which was 45 days letter from the initial letter I sent. Today is XX/XX/2020.. Commonly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 distinct events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest your organization eliminate this blunder from my credit report or face suit. In the event that you don't eliminate this mistaken data promptly I will record a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to coordinate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered liable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC protest. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see obvious proof ( i.e. : an exceptional buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. Also I will be contacting the Attorney General to help me assist with this matter along with seeking litigation.
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA (TN)

On XX/XX/year> I purchased a XXXX XXXX from Apple I returned it the following day. Attached to this purchase was a gift card which Apple unbeknown to me had attached to the sale. The following month and subsequent months I am being charge {$12.00} to my Apple Card. I called and spoke with Apple they agreed that there is no reason why Goldman Sachs who manages the Apple Card should be bill me when I returned the entire purchase. Apple directed me to Goldman Sachs I have call them with an Apple representative on the line to fix this problem. Goldman Sachs keeps saying that the only way to fix the problem if for them to create a dispute. I said fine do it and fix the problem they refused in call after call to create a dispute for which I request an ID number for reference. They refuse to connect me to a senior manager as they claim is not their procedure or department. They have after one payment of {$12.00} to keep them off my back they continue to bill me and making threats that they will send me to collections. I suspect this is a fraudulent group who may have lifted the name of Goldman Sachs to continue to syphon money from me a senior citizen. I live on a fix income and I can not continue to pay Goldman Sachs ( if they are really Goldman Sachs ). Please I need your help in resolving this issue as I do not owe anyone any money. Thank you
Consumer complaint received 2024-03-25
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Attn prepaid claims Claim number : XXXX Amount XXXX Bank of America attn : prepaid card operation Here I have attached an addition police report in reference to claim Number : Claim number XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I XXXX in XXXX with a stafford loan debt of {$38000.00}. The current balance is now {$70000.00} - insane. I consolidated my loan while still in school and never realized that I was doing so at a very high interest rate of 8.25 %. I 've tried numerous times to get them re-consolidated so I can get a lower interest but I 'm told that I can not do this. It 's unfair that I 'm penalized for the rest of my life for a mistake I made so long ago. I want to pay my loan off but find it impossible at this rate. They also convinced me to do forbearance and deferments and now I 've used all of them up. I am always strapped with cash because of this loan and it 's difficult to help my family out as well as pay for my expenses. My balance has doubled since I took the loans out. I need to lower my interest and get this balance down. My payments barely cover the principal. It all goes towards interest. Please help.
Consumer complaint received 2024-03-25
Product: Credit 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: Bread Financial Holdings, Inc. (NC)

After a period of travel I had an extra charge for a car rental on my credit card. I called the car rental and they said it was an error and removed the charge. I called the credit card company multiple times and the charge still keeps coming back. Every time I call I have to sit on hold for at least half an hour. There is no message center on the website to send the company a message. There are no alternative ways to dispute other than call and wait on hold and they make it impossible to contact them.
Consumer complaint received 2024-03-25
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Propel, Inc. (FL)

XX/XX/year> - {$74.00} - {$64.00} - {$5.00} I immediately emailed the company & was told there was nothing the company could do about it nor reimburse my benefits even though my funds was stolen from their online website.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2017-09-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

I began disputing an alleged debt with Wakefield & Associates in XXXX 2017. On XX/XX/XXXXI requested " validation '' of the alleged debt. OnXX/XX/XXXX they responded with a copy of a bill which does not constitute validation of debt under the FCRA. Once again onXX/XX/XXXX I requested validation. They replied by saying they have already done so and are not obligated to provide duplicate information. I then sent a dispute to all three credit bureaus asking for " validation ''. They responded by saying the debt has been verified and updated my credit report with the consumer disputes. I even asked the credit bureaus via telephone " what is the process used to verify debt ''. Nobody can provide me with any answers. I sent a second request for " validation '' to all three credit bureaus. Once again they were unable to provide me with the information requested. The name and address matches mine but not the DOB. I have been going back and forth with Wakefield and Associates as well as the credit bureaus for nearly six months with no resolution in sight. This is not my debt, nobody has been able to provide me with any documentation to prove that it is mine. I should not be held responsible for something that does not belong to me. I would like for Wakefield and Associates to remove this account from my credit reports as it is not mine. I am trying to obtain a mortgage and this delinquent account is hurting my credit score.
Consumer complaint received 2024-03-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IN)

Received notice on my credit report of a debt that was owed and opened in XX/XX/2023. I have not had cell service through XXXX  in over 20 years. I have tried to resolve the issue with Jefferson capitol and they won't even answer the phones. I need debt verification and proof of ownership. I believe this account to be identity fraud because I have use prepaid phone service for the last 7+ years
Consumer complaint received 2017-09-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (VA)

No offer to modify this mortgage before filing action for forecloser. Selene Finance violated the CFPB rules to HELP keep homeowers in their homes. 

Selene Finance is being sued for insurance fraud by XXXX vs Selene XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX This Loan was originated XX/XX/XXXX with XXXX XXXX, now defunct, at 7.5 % 30 yrs. XXXX XXXX took over the mortgage from XXXX XXXX. 

XXXX XXXX was servicer from XX/XX/XXXX-XX/XX/XXXX, and here is where the loan payment discrepancy occurred. 

XXXX XXXX sold servicing rights to Selene Finance ( XXXX ) XXXX, who after zero missed payments, and no offer to modify this mortgage decided to stop receiving my monthly payments at the end of XX/XX/XXXX. 

I have been battling with Selene, and their Lawyer since XX/XX/XXXX. 

My mortgage is not foreclosed at this time, and I hope to refinance with another mortgage provider to a get start fresh. 

I have the ability to pay monthly, my income is {$70000.00} per year, and have been employed with the same XXXX for 18 straight years. 

The value of my home is {$200000.00}, and the balance on my mortgage is {$150000.00}. 

I have {$51000.00} of equity in this home. This home has been in my family since XX/XX/XXXX, 40 years. 

Please offer me a new mortgage. I only want to refinance the balance {$150000.00} for 15 years. 

Thank you, XXXX XXXX, XXXX. 
( XXXX ) XXXX My FHA Case # is : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX My name : XXXX XXXX XXXX, XXXX. 

This is the information on the DEED OF TRUST that I have, and signed XX/XX/XXXX The current loan servicer is Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Their Attorney is XXXX XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX My family purchased this home in XX/XX/XXXX. I refinanced this home in XX/XX/XXXX, and have paid over {$140000.00} towards this mortgage. I want to keep this home. 

Please help! 


Loss Mitigation Services for FHA Homeowners XXXX XXXX, XXXX. 


No offer to modify this mortgage before filing action for forecloser. Selene Finance violated the CFPB rules to HELP keep homeowers in their homes.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Inquiry Summary in letter.
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

Yesterday on XX/XX/2017 It was brought to my attention by Wells Fargo cus rep that some been using old account of mines ( debit cards ) that 's was stolen I file disbursement immediately Wells Fargo XXXX on XXXX try to force me to give false information and discrimates causei had to right my pin down to help me remember due to a XXXX XXXX refuse to file my claim cause I refuse to all her to force me against my will to give false information unless it this lady XXXX committing these false act herself using my identity base on her behavior attempting to force me to give false information against my wil and refusing to file my claims once I notice the fraudulent activity
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (MT)

Since filing a complaint with CFPB about XXXX XXXX XXXX, I have more information about the damage done to my insurance coverage by their neglecting to pay the homeowner 's insurance company- XXXX. When they failed to pay and the insurance coverage lapsed, XXXX refused to reinstate the coverage I had. It was good coverage at a reasonable price. I was forced to get emergency coverage from XXXX at a higher rate, a higher deductible and no coverage for the roof of my house. So, the damage done goes beyond the {$340.00}. Truist is trying to charge me for the lapse in coverage. 

I believe Truist should approach XXXX XXXX XXXX and persuade them to reinstate the coverage I had at the rate I was paying. I should be reimbursed for any funds Truist has taken from the escrow on my house. The mistakes made by Truist will be costing me for the next 28 years. I sent the paperwork with the previous complaint. 

If Truist can get XXXX to reinstate my insurance policy as it was originally issued, I would be deeply grateful. As a senior citizen, I can not afford to pay, and pay, and pay.