davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Paid off a {$410000.00} mortgage with {$410000.00}. This discrepancy arose due to the length of time it took to close the mortgage. 2 months later, the old servicer ( Specialized Loan Servicing ) is claiming they do not owe the difference and my account balance shows {$0.00} rather than being negative. 

In addition, this servicer ( Specialized Loan Servicing ) has repeatedly failed to issue a {$630.00} escrow refund check from 2019. 

I do not feel that SLSs escrow statements or mortgage statements after refinancing are in compliance. There is no clear breakdown anywhere of where the aforementioned funds have gone.
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (NJ)

There has been fraudulent charges in my XXXX bank account and I reported it to them IMMEDIATELY. They removed the charges but didn't remove the fees for my account going to negative for these charges. 
Basically these fraudulent charges have been made in my account and these were revered back but the fees associated with these fraudulent charges making my account go to negative haven't been reverted back. 

They said it'll take a month to investigate the charges in my account after a month they got back to me and said they indeed were fraudulent charges and removed them but didn't remove the fees. 

So I closed my bank account there cause their policy is unfair. 

If the charges were fraudulent why should I pay the fees associated with them? 


Now they put a derogatory mark in my credit score caus of this. This is totally unfair.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I visited a Chase ATM outside one of its branches ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to deposit {$9500.00} cash ; however, the machine displayed that only {$8300.00} was deposited. I canceled the transaction, but only got {$8300.00} back. In other words, the ATM ate {$1200.00}. I immediately talked to the branch manager to try to resolve the issue. After calling a separate department at Chase, she told me they would investigate ; in the meantime, they issued me {$1200.00} " missing credit claim ''. 
On XX/XX/2023, they clawed back the {$1200.00} " missing credit claim '', without providing any specific/meaningful explanation. I visited the branch and talked to the branch manager again ; however, after internal investigation I was told that they could not find evidence that the ATM ate the {$1200.00}. Over the course of the past several weeks, I tried multiple times to escalate, without success. They told me the case ( case # XXXX ) was closed. 
I suspect that the investigation was done by junior employees who either did not care or did not understand how ATM works. This whole situation is completely unacceptable, and I am hereby seeking help from CFPB. Much appreciated.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (MI)

Company Affirm has received disputes regarding 2 accounts reported to the consumer report. Affirm has provided the nature of the purchases and the amounts per each transaction. Affirm has indicated on prior Calls in the months of XXXX XXXX, that the accounts were both charged off. When advised for proof of the charge off documents the company has not corresponded in providing the information.Affirm advised the accounts were sold to a third party collection agency named ; XXXX. After speaking with several representatives from XXXX the company provided on XXXX XXXX that the company received an email and submitted a cease and desist letter for the accounts to stop all collection and advised the information was forwarded over to Affirm. Affirm has inaccurately furnished the report for several months all without stating to mention the collection agency they allege has the accounts in fact do not report to the collection agencies. I have attached all information pursuant to the conversations with several representatives from XXXX. I will like to advise XXXX has never been reported as the collection agency reporting on my credit report. Affirm has furnished the report inaccurately verifying false information reporting to the consumer report acting as if their is still an account with them. All parties pursuant to this dispute are responsible for the inaccuracy. This is and is not going unnoticed. As indicated I have attached information pursuant to the dispute and request all parties to fix these errors.I have disputed the inaccuracy of the information with the reporting agency XXXX on several occasions sending proof of the same information attached. I am requesting all errors be corrected.
Consumer complaint received 2021-07-20
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (CA)

I am writing to dispute information that Comenity Bank/Victorias Secret Credit Card supplied to XXXX, XXXX  XXXX XXXX, XXXX, and XXXX  XXXX XXXX. 

Retailer account at Comenity Bank/Victorias Secret Credit Card is discriminatory in their unwillingness to grant a goodwill removal for an accidental late payment on an account that was otherwise in satisfactory standing since origination. The account balance was paid in total and automatic payment was enabled to prevent any future delinquency. 

Additionally, a past due email notification that a payment was due or past due was not provided. After reviewing email correspondence received in this matter, I found that Comenity Bank ceased to provide automated payment due date notifications after XX/XX/XXXX without myself submitting any changes to the delivery notification settings that were previously enabled. I had not missed any payment deadlines in the past. 

When Comenity Bank attempted to contact me by phone to collect an outstanding payment, all incoming calls from their company were reflected as a spam caller. 

I've explained that this mishap has occurred at a time where I am applying for mortgage financing and they have been unreasonable in multiple requests for goodwill accommodation. This is in staunch contrast to what I was led to expect from a customer service representative over the phone in this regard. 

I am requesting that Comenity Bank/Victorias Secret Credit Card have the late payment history removed from all three credit bureaus, which was reported on or around XX/XX/XXXX. 

Please investigate this matter and delete the disputed item ( s ) as soon as possible, to reflect that my account has been paid as agreed.
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have recently just started attempting to obtain credit, when i go to get any form of credit ( credit card, loan, etc. ) The credit bureaus come back saying that my SSN was issued before my date of birth. They say it was issued in XXXX instead of XXXX when I was born. I went to the social security office here locally and talked to them and they confirmed that my social security number was indeed issued in XXXX not in XXXX so it is a credit bureau issue. I have attempted to contact the different credit bureaus about this issue but i have had a lot of trouble contacting them. It is very confusing and troubling trying to connect with a real person and their websites arent any better. I really need to get this credit figured out ASAP and its frustrating. The credit bureaus have my info incorrect and I am unable to contact them.
Consumer complaint received 2023-02-28
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. (TX)

When I reviewed my credit report, I discovered that these inquiries were unauthorized. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2020-10-23
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: GATEWAY FIRST BANK (TN)

I file a report with XXXX  and XXXX  on two accounts they are reporting on XXXX and Gateway Mortgage both accounts are Fraud. I send documents to both XXXX  and XXXX. They are both violating my right under tile 15 The 609 letter was sent to both companies on XX/XX/18 XXXX.
Consumer complaint received 2020-07-09
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX, XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXX XXXXUnder Dispute US DEPT OF ED/XXXXDispute all ftc violations
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

I was a customer with XXXX Bank and switched to PNC. I did XXXX  investing with XXXX and wanted to do the same with PNC, but PNC is not allowing me to link my debit card/checking with XXXX. Can this be remedied?
Consumer complaint received 2020-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Dear Protection Bureau, On XX/XX/2020, I refinanced a student loan from AES ( acct. no. XXXX XXXX XXXX ) to XXXX XXXX  ( acct. no. XXXX ). XXXX XXXX  sent {$39000.00} to AES to pay off my loan with AES. The payment exceeded the actual payoff amount of {$39000.00}. I called AES for a refund of the excess {$460.00}. I was told they could only send the difference directly to XXXX XXXX. Over the next eight weeks, I made five phone calls to each institution. Neither could confirm sending nor receipt of payment. On the week of XX/XX/2020, I joined two supervisors on a conference call, XXXX from XXXX and XXXX from AES. XXXX explained that a check was mailed, not received, then cancelled, and that an ACH was sent electronically which XXXX stated was not received. XXXX said another check would be issued. On XX/XX/2020, XXXX stated the check was received. The credit of {$460.00} was credited to my account. On XX/XX/2020 I received a letter from XXXX XXXX  stating that the {$460.00} credit was reversed due to insufficient funds from AES. I no longer have the patience to go back and forth after four months. 
Please help! 
Thank you, XXXX
Consumer complaint received 2021-11-29
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)

As a XXXX  who just got is social security this XX/XX/2021 I was taking advantage of by some of this companies and most of them where actually more of like a deceit pulling hard enquiries where they indicated that it wont affect my credit but ended up been a hard pull and some I didnt even give my information. In such a short period of time how could I possibly have all this hard enquiries it dont even make no sense They are as follows with dates and descriptions : XXXX. XXXX Bank XX/XX/XXXX. Was suppose to be a soft pull to check if I prequalified and instead they ran an hard pull. 
XXXX. XXXX XXXX XXXXXXXX XX/XX/2021. This I have no idea of I remembered shopping from XXXX on that day if that was how they got my info I dont have a clue but I didnt request nothing from them XXXX. XXXX XXXXXX/XX/2021 This I have no idea of in its total entirety I dont know them XXXX. XXXX XX/XX/2021 Yes am an XXXX shopper but I requested nothing that has to do with credit from totally disputing this too. 
XXXX. XXXX XX/XX/2021Yes I have shopped in XXXX couple of times but I never requested no credit card to warrant this please am disputing that. 
XXXX And last XXXX XXXX BANK XX/XX/XXXX and XX/XX/ respectively. I did apply for a credit card from them but they never replied back either I was approved or unapproved so why would I have a double hard pull on my credit at those XXXX separate dates thats totally unofficial as I wasnt even approved so even if there should be a hard pull from XXXX it should one out of me been sincere.
Consumer complaint received 2019-11-05
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX Reported : XX/XX/2019 + {$10000.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/2019 + {$5000.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/2019 + {$11000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$12000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$10000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$21000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$6100.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$3800.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$14000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$6800.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$12000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$6100.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$3300.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$12000.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/2019 + {$5500.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-08-20
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: EQUIFAX, INC. (NJ)

on XX/XX/2020 I filed a police report because I noticed multiple inquires on my credit report due to fraud after numerous calls & complaints my problem of this inaccurate information is still showing on my credit report because the XXXX at Equifax refused to delete & remove them off of my report they keep stating that they removed the items but when I recheck my credit report the inaccurate items or still there my next step will be to take legal action against them for violating my consumer rights & defamation of character from the time period back on XX/XX/2020 I also followed up on XX/XX/2020 with a FTC report regarding the same fraudulent inquires after there reinvestigation they again told me that the inquires were removed & after rechecking my credit report the got XXXX inquires are still there they didn't remove anything.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I purchase tickets to go to a trip on XX/XX/2020 of XXXX and was schedule to leave on XX/XX/2020 .The goverment shut down travels to go to the destination due to corona virus. I went through a company called XXXX  to try to cancel and was giving the complete run around the lady on the phone at the company of XXXX  XXXX at the time would not listen she sent me to a chat and told me she can not do cancel she only does booking. I went to the chat and there was no corresponse back i called back several days trying to cancel and went to manage my booking to cancel i did not get no email no phone calls.I put in a claim with my credit card company i sent proof i brought from XXXX  and sent the invoice to them. I explain in a letter the complications with the company and that they was not responding in regarding my cancelation situation after informing them and disputing.Capital one sent me a can not assit letter and told me i have to reach out to the company in which i had already informed them there is no way to contact them and they are not able to contact with this problem and i am being liable for {$960.00} In which i feel is not fair at all. I did want to go on this trip and i couldnt due to the pandemic and now its like because of this i have to pay they are saying i did not show proof of cancelation. How when the company did not sent me a cancel and was giving me the run around in order to obtain it.I am distraught with this and make things worst my hours was cut on my job i have finnacial difficulties already and now Capital one is not being understanding at all.
Consumer complaint received 2019-11-05
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
FLORIDA DEPARTMENT OF ED Reported : XX/XX/2019 + {$10000.00} Closed FLORIDA DEPARTMENT OF ED Reported : XX/XX/2019 + {$5000.00} Closed FLORIDA DEPARTMENT OF ED Reported : XX/XX/2019 + {$11000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$12000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 +  {$10000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$21000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$6100.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$3800.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$14000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$6800.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$12000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$6100.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$3300.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$12000.00} Closed FLORIDA DEPARTMENT OF ED Reported : XX/XX/2019 + {$5500.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are  deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-11-05
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. (GA)

For the past month every other day Experian has been putting accounts back on my credit report that is fraudulent and has been removed several years ago. Which they have all valid paperwork stating the accounts are not mine. My husband and daughter are also getting emails regarding disputes they never initiated. Ever since we are with there membership this is what has been happening. When I call and speak with the fraud department they are stating the company verified the information four years later! I have no clue what is going on. But my file is a mess right now. Out of the blue and every day, it's something different. I have continued to send in the paperwork to no avail. XXXX nor XXXX is doing this. We have laws in place if we are victims and they are not abiding by the laws.