davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: J & B Endeavors, LLC (MN)

I believe I am being scammed by a company called student loan movement. They told me I qualified for federal loan forgiveness but have charged me several hundred dollars in addition to a monthly maintenance fee. This is an example of one of their e-mails. 



XX/XX/2019 Client ID XXXX Hi XXXX XXXX, WHY ARE WE CONTACTING YOU? To remind you that your monthly program payment is coming up on XX/XX/2019, which will be auto-debited from your debit card, in the amount of {$29.00}. 

It's that time of year, time to Recertify your Student Loan Program. Please let us know if you have any changes in your household or your financial situation so we can update your file accordingly. We will need updated proof of income. Below is a list of what you can use as income verification. You can either fax it to us at ( XXXX ) XXXX or you can email it directly to us at XXXX. 



*1 month of consecutive pay stubs with little to no over time for verifiable income. 

Weekly : 4 consecutive pay stubs Bi-Weekly : 2 consecutive pay stubs Semi-Monthly : 2 consecutive pay stubs Monthly : 2 months worth of pay stubs * Most recent Federal Tax Return ( First 2 Pages of your 1040 tax form, please sign these forms before sending them to us ) * Social Security Awards Letter OR Retirement Statement *Self Employed : We'll need a letter stating the following Company 's Name, Location, Monthly Gross. 



If any questions should arise, please feel free to reply here or reach us at XXXX OR toll free at XXXX x XXXX. 



Thank you. 

Student Loan Movement Processing Dept. 
Direct : ( XXXX ) XXXX Ext : XXXX Fax : XXXX XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZARVAD III S.A. (MI)

I received a voicemail from a XXXX XXXX, indicating that I would need to meet her at my home on Thursday with valid ID in order to sign for " certified documentation. '' She then proceeded to leave me a number to the mediation office, along with a claim number. She said that I had been " notified, '' and she would see me on Thursday if she did not receive a Stop Order. The phonecall was very threatening. I immediately called the number she had given me, and received the voicemail for someone named " XXXX. '' There was no last name or no company name listed. I left him a voicemail telling him not to contact me again about this issue. Despite that, he called me back after 5 minutes. He informed me that he was from XXXX XXXX in XXXX XXXX XXXX, but would not give me a physical address. He said his name was XXXX XXXX. He said that he was trying to collect a debt from Mypaydayloan.com. I have filed a separate complaint against them. I asked XXXX XXXX AGAIN not to contact me about this issue.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

( BANKRUPTCY ACCOUNT ) To Whom It May Concern : I received a copy of my credit report and the items listed below were included in my bankruptcy but are not identified as such on my credit report. Please see the attached copy of my court documents which lists the creditors included in my bankruptcy. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, Florida. XXXX SSN : 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. (WI)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-06
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: JPMORGAN CHASE & CO. (TX)

I did not authorize anyone employed by JP MORGAN CHASE OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Consumer complaint received 2017-08-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (PA)

XXXX conducted a 3rd party lease end inspection to my car on X/XX/2017 at my place of work. The detailed report online 2 days later indicated {$0.00} in damage. When I returned the car to BMW they noticed modified suspension and charged me over {$2000.00}. How did XXXX not pick this up 45 days earlier? I was not the original owner of this lease, I assumed it from the original owner ( who failed to disclose the changes ). XXXX must be working with BMW because I Was charged for the inflated dealer labor and parts. When I tried to contact BMWFS they kicked me back to the dealer. When I called the dealer they told me to go to BMWFS. XXXX must be held accountable for some of this mess. If they do an inspection they must adhere to that and not go behind the customers back and change the inspection 45 days later. Why do the inspection in the first place? Or why would BMWFS sublet this out to such a terrible company and then not use the original inspection report???
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

I have a Mortgage with Home Point Financial and have been trying to get my escrow account corrected and overpayments refunded.. I am a XXXX XXXX XXXX veteran and exempt from property taxes. Home Point Mortgage continues to bill me excessive amounts which include property taxes. After many attempts to contact them and have this corrected and get refunds for the amounts over billed they are refusing to correct the issue and continue to bill me. They have also applied escrow payments to my monthly payments instead of escrow as clearly noted on my checks. I am in need of refunds for the excess I have been forced to pay. I have also requested a reconciliation report of the escrow funds and Home Point Financial will not respond.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (VA)

I have a credit card with Sears. I have had it for 3 or 4 years. I was checking my credit and found that the card had been or the account had been closed 30 days ago. 
I called Sears and spoke with them. They said I closed the account, and I told them that I had not. That I bought my tires from them, my garage door opener from them and appliances from them, why would I suddenly close my account. 
It made a major hit on my credit report. I went from XXXX and XXXX to XXXX and XXXX. 
They only thing they offered to me was for me to open up a new account with them. I did that today. But the stigma and the loss of a good credit rating is laid on my door step. I need your help.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I demand the immediate removal of fraudulent and inaccurate information from my credit report, specifically incorrect names and addresses. These details are not associated with me, and I insist on their prompt deletion, replacing them with my accurate and legal information. Incorrect names : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Incorrect addresses : XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, 1952 XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX 1952, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX and XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, NM, XXXX.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

On XX/XX/20 I began a refinance application with AmeriSave Mortgage Corporation. I was working with XXXX XXXX, who accepted my payment of {$500.00} on this date as an application fee. To this date, almost three months later, my loan has not closed. I have been asked for the same documents on numerous occasions and l little to no communication from the lender. 

XXXX began the loan process with XXXX XXXX and paid {$500.00} XXXX through XXXX numerous issues uploading documents to the AmeriSave portal and asked Mr. XXXX to call me at least five times with no response. 
XXXX asked for an update, no response XXXX was told I did not qualify for the loan but Mr. XXXX would look for other options. 
XXXXDue to no further response from Mr. XXXX I asked to have my {$500.00} refunded. 
XXXX new loan process started over again with new loan XXXX experienced multiple system errors in portal and asked Mr. XXXX to call me. Mr. XXXX told me he could not call me because his headset was not working. 
XXXX more system issues, Mr. XXXX can't talk due to overbooked appointments. 
XXXX asked Mr. XXXX for an update on the new loan - no response XXXXcontacted corporate to get a refund. I was finally able to get someone to get me Mr. XXXX Manager 's name- XXXX XXXX XXXX Mr. XXXX contacted me via email and apologized for all the communication issues and told me he would personally see my loan through to completion. 
XXXX documents that were previously submitted were requested again- Driver 's Licenses XXXX documents that were previously submitted were requested again- photo 's of the house. 
XXXX I called XXXX XXXX and asked him if all of this are just delay tactics to NOT complete the loan and keep my {$500.00}. I again asked for a refund I am now convinced that AmeriSave is only interested in the {$500.00} loan fee and they do not actually process loans.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted a complaint with you regarding information on my three credit reports. I provided proof/evidence that one of the three credit reporting bureaus removed the information. I sent a complaint to you because the other two did not follow suit. You contacted TransUnion and their reply was that this had already been disputed, but they did not discuss the 'new information ' meaning proof that XXXX had removed the information from my credit report. Matter-of-fact, their letter says nothing about the new information ; it just talks about the old dispute. I am passing my complaint because TransUnion did not reviewal on the new information.
Consumer complaint received 2020-05-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

In early XXXX of 2020, we called Carrington Mortgage and requested a CARES Act forbearance on our FHA mortgage loan. We were told that it was granted for 3 months, and the Carrington employee then cancelled the automatic payment that we had set up. The Carrington employee also told us that we would be able to move the missed payments to the end of the loan, and that the mortgage loan term would be extended accordingly. 

Despite this XXXX conversation with Carrington, we received a " Notice of Intent to Foreclose, '' dated XX/XX/2020 from Carrington. We understand this to be a direct violation of the CARES Act. We want to make sure the Carrington Mortgage complies with the CARES Act, and does not take any action to harm our credit scores or to foreclose on our property.
Consumer complaint received 2020-05-18
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED
Consumer complaint received 2023-01-31
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. (MO)

XXXX/XXXX/2023 Hello, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within XXXX days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not XXXX percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of Last Activity/Date Opened/High Balance/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am unable to access my Transunion and Transunion XXXX accounts. I spoke with their customer service rep at ( XXXX ) XXXX on XX/XX/2023 and was instructed to email XXXX forms of photo id and a copy of a utility bill to XXXX. 

I sent the requested info as instructed. On XX/XX/2023 I received an email notification that my case was closed. Yet my problem wasn't fixed and I still can not access my accounts. 

On XX/XX/2023 I called their customer service number again and was told that my problem would be referred to the supervisor who would call me back. 

I have had no further contact with Transunion customer service. 

My access is still denied and I am not getting help from Transunion. 

Please help me.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (AZ)

My statement was created on XX/XX/2020 with a due date of XX/XX/2020. I logged into my account and submitted payment on XX/XX/2020. However, when trying to find the actual amount I wanted to pay over the minimum required for the payment terms I have with XXXX, I noticed that on XX/XX/2020 the credit company already assessed a {$27.00} late fee to my account ( 2 days before even my due date ). I have requested the fee be removed, but no response & can't get ahold of anyone on the phone. 

Additionally, when I purchased the XXXX XXXX through XXXX, I selected the 24 month 0 % financing offer. However, when entered into my account at TD, they put 6 months down. I have called numerous times and sat on hold for literally hours with no one picking up.
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. (FL)

THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WERE OPEN IN MY NAME SOMEONE USED MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My EDD debit card has been suspended due to suspicion activity. I called the phone number on the back of the card and listened to my past 10 transactions, there are 5 transactions I do not recognize. 
1. Pending transaction on XX/XX/29 {$660.00} declined 2. Debited transaction on XX/XX/29 {$99.00} authorized 3. Pending transaction on XXXX {$310.00} declined 4. Pending transaction on XXXX {$310.00} declined 5. Pending transaction on XXXX {$310.00} declined Also I have had more than 10 transactions on this debit card but I am not able to review them over the phone, and when I tried to login to the BofA prepaid app, I received a error message stating that info Im providing is wrong. I believe someone has hacked into my account and locked me out. I need access so I can review all my transactions and confirm they are mine. I have been trying to report the fraudulently activity to Bank of America EDD debit card customer service as instructed on the website and card but risk management department has not answered me for 2 days now. Ive been on hold for up to 3hours at a time multiple times but have yet to speak to someone and report the fraudulent activity.

One more thing, I have bills that I need to pay right away and can not wait 3-5 business days to receive my replacement card. I have been trying to get an emergency cash transfer but same problem, no answer and when I get someone on the phone they say we dont do that or transfer me to another department and no one ever comes back on the phone.
Consumer complaint received 2017-10-17
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Hauge Associates, Inc. (AZ)

XXXX XXXX, 2014 HAUGE ASSOCIATES I was going to school for one year at Iowa XXXX before I decided to change direction career wise. I had thought that through XXXX Grants and my XXXX that my student loans were put together for me to track, this balance showing on my credit now for 3 years, of {$1000.00}, I have no knowledge of whatsoever.