davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
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: EQUIFAX, INC. (AZ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-12-02
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: Experian Information Solutions Inc. (GA)

For : XXXX, XXXX, Experian -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX  XXXX, GA XXXX < -- -- ADDRESSES NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX Balance {$16000.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$14000.00} Account Status CHARGE-OFF XXXX XXXX XXXX XXXX Balance {$760.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$760.00} Account Status < -- - ALL ACCOUNTS ARE NOT MINE. FCRA violation. Failure of 45 days to settle.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I was trying to file a dispute with Experian because they have 2 incorrect addresses for me, as well as a spouse whom I've been divorced from for 25 years and who died 4 years ago. 

I could not get through the online process at all. Wasn't able to set up the account - had to try a couple of times. Then had to upload Identity verifying documents. So got those together and added them to upload and got an error message that the online page was not working and I'd have to mail the documents in. 

This seems like a ridiculously difficult process to correct my information. It should not be this difficult and take this much time. I honestly think they want me to sign up for their emails, etc. All I wanted to do was sign up to dispute.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

Paypal says told me they can not do business with me anymore and the balance on my account will be on hold for 180 days, then I can withdraw the paypal balance. However, I saw the money on my account disappeared, in the recent activity, there is a transaction done by paypal without my authorization, on XXXX  XXXX, 2021, XXXXUSD was transferred to paypal XXXX saying about some damages caused, while they can not explain that to me when I called. paypal took the money from me and I do not have any idea about this transaction. Why they took the money from me? I was trying to reach them for help, but they can not support me. Thats why I decided to file a report here and I wish I can get the money back. The email linke to my paypal is XXXX.
Consumer complaint received 2020-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (FL)

I attempted to open a checking account based on advertisement. The online application was completed in full and all procedures adhered to. The bank displayed a message stating that " additional verification was necessary ''. While this is understandable, the bank did the following : 1 - Dialed the fax number I provided in the application process repeatedly but did not transmit anything.

2 - Sent text messages to one mobile number I have, unrelated to the account, without any authorization - this number was not provided to the bank in the application. 

The bank has engaged in questionable activity - dialing my fax repeatedly without sending anything and sending out multiple text messages to an unauthorized number without purpose or ability to reply to. Then, I received a letter by mail stating that they are " unable to verify applicants identity '' and thus to open an account. I sent a fax to the Operations Center detailing the activities and demanding an explanation, but received no reply.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

NOTICE OF FAULT EQUIFAX equafax continues to report erroneous information on a commercial mortgage loan. Equafax is not in uniformity with the other two credit agencies, XXXX XXXX XXXX. Equafax may stand in possible liability and a repairable damage due to the erroneous consumer reporting in the event that this company continues to report erroneous information, I will be requesting certified copies of any, and all information that they are making false claims about.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2021 at XXXX I arrived at the Bank of America atm , XXXX XXXX XXXX XXXX , Ga location. I was depositing {$1100.00} in cash. Upon putting all of my money in this machine the screen then sent a message stating that an error had occurred and that my cash would not be refunded back to me. I immediately took pictures of the machine once I realized my money would not be returned to me. A receipt printed out stating that only {$300.00} would be deposited into my account. I waited a few minutes to see if anything would change and proceeded to call Bank of Americas customer service line where I put in a claim and an associate temporarily gave me a credit of {$820.00}. The week of XX/XX/XXXX, I received a letter stating that my case had been resolved and that the {$820.00} that was owed to me would be taken out of my account. I spoke with another BOA representative where I was told they were unable to locate the missing funds and would continue to investigate. On XX/XX/XXXX, I then looked at my online account and noticed a withdrawal was made by the bank in the amount of {$300.00}, the {$300.00} that was on the receipt from XX/XX/XXXX due to them not being able to allocate the funds, after doing an internal audit. After speaking with a claims manager for BOA he stated that there was nothing he can do because even though I was at the bank there was no way of proving that I had deposited any money even with my receipt of {$300.00}.
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Recovery Systems (CA)

On XX/XX/2018 at XXXX pacific time my maternal cousin received a phone call from XXXX XXXX XXXX claiming that I owe so much money on a checking account from XXXX XXXX and if this matter isnt resolved they are going to take legal action. I called the number they left. It rang once then music started and then a man picked up. In the conversation I had he accused me of theft of stealing goods or services. I asked him for the name of the company he represents then I looked it up using XXXX and every thing that came up under that company was linked to extortion scam. When I brought this up to him, he immediately hung up.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (TX)

Reference J.P. Morgan Chase PPP Loan # XXXX Lender PPP # XXXX I am writing because I received the above-mentioned PPP loan from Chase in 2020. 

Yet, despite the loan being fully disbursed in XXXX of 2020 and three separate requests for forgiveness submitted with full SBA-approved support, and multiple complaints including one  from my attorney Chase has failed to properly classify my loan as either fully-disbursed or forgiven. 

This failure to classify the loan correctly is now preventing me from receiving a badly needed 2nd PPP  this year. I have been attempting to get this resolved since XXXX of XXXX  when the first forgiveness application was submitted. 

No ethical, responsible, professional financial company should be allowed to put a business customer in limbo for more than 9 months without any explanations or even cursory attempts to discuss the matter with them. This is especially true of a financial institution that is being paid by the Federal Government for the proper and efficient processing of these badly needed funds to small businesses. 

This is gross negligence in the extreme, a violation of the public trust, fraudulent use of taxpayer dollars and is causing me, my staff, my vendors and other clients and business owners who used Chase for their PPP loans no end of hardship.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (PA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (ME)

I pay my local taxes o my mortgage company, who holds them in escrow until they are due. Typically this is in XXXX and XXXX. I have not had issue with tax payment in over 8 years since I purchased my home. On XX/XX/2020 I received a notice of lien on my property for non payment of the XX/XX/2020 tax payment. I immediately contacted my mortgage company who requested to have a copy of the lien notice email to their payment research department. They indicated the payment had been sent in XX/XX/2020 and provided me the check number. I sent the document that day. After no response I emailed the payment research email address again on XX/XX/2020 after confirming with my town office they had no record of payment. After again receiving no response on XX/XX/2020, I emailed again and called. I was advised that it was still in research but they would escalate the request. On XX/XX/2020 I spoke with a supervisor after receiving my annual escrow statement which contained a check for overpayment. The supervisor advised me to cash the check and make an escrow only payment. I advised I would not do so as this would not resolve the tax issue. She agreed and advised would again escalate the issue and promised a resolution by the end of XX/XX/2020. She advised the lien would be lifted and my credit report would be corrected. She promised a phone call by the end of the following week. On XX/XX/2020, after no phone call, I called the company again and spoke to a member of leadership, she determined that the check sent in XXXX was returned to the mortgage company by my town office. We conferenced in my local town clerk who had no record of a check being received much less returned. They exchanged contact information and I was again assured by the mortgage company that I would receive a follow up call and full resolution within 7-10 days. XX/XX/2020 I called my town office to discover no payment had been made and there had been no contact from the mortgage company. I called them again and spoke with a supervisor who told me tax issues can take time. I was advised there was nothing more that could be done, they would research and call me back. I voided the check for overpayment and sent a photo confirmation to the payment research email address as instructed by the supervisor I spoke with on XX/XX/2020. My XXXX has dropped over 20 points, my property still has a lien, my taxes are 8 months past due and I have spent countless hours getting absolutely nowhere.
Consumer complaint received 2021-08-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (IL)

I basically did all the homework on this and figured it all out. Loan Depot rolled {$520.00} into my loan during the money shuffle without disclosing it. 

I refinanced my house in XXXX with a settlement date of XX/XX/XXXX I discovered it while closing out my accounting books for XXXX using double entry method. The strange thing is that the only way I was able to catch is because the losing lender pocketed {$320.00} in overage that they never gave back to me. At any rate, the summary is below. 

XXXX XXXX UNPAID BALANCE GOING INTO SETTLEMENT $ ( XXXX ) was the principle left to pay going into the settlement {$510.00} was my additional payment of principle on XX/XX/XXXX $ ( XXXX ) was the final adjusted principle left to pay going into the settlement $ ( XXXX ) was the Reconveyance Fee going into the settlement $ ( XXXX ) was the County Recording Fee going into the settlement $ ( XXXX ) was the Expedited Delivery Fee going into the settlement $ ( XXXX ) Is the total Unpaid Balance ( UPB ) going into the settlement ( sum of the above ). 

LOAN DEPOT SETTLEMENT ACTIVITY {$260000.00} was sent to XXXX XXXX by LOAN DEPOT $ ( XXXX ) was the new loan amount at LOAN DEPOT $ ( XXXX ) is the difference between what was sent and the new loan amount. 

ALL DISBURSALS BY XXXX XXXX ( WHETHER COMPLETE/INCOMPLETE ) $ ( XXXX ) Is the total Unpaid Balance going into the settlement ( sum of the above ). 
{$260000.00} was sent to XXXX XXXX by LOAN DEPOT {$1500.00} Overage $ ( XXXX ) XXXX XXXX disbursed this amount to me as a result of overage {$320.00} Is the amount of overage that XXXX XXXX failed to pay out to me, which I am recovering. 

LOAN DEPOT AMOUNT THAT SHOULD HAVE BEEN ROLLED INTO THE LOAN {$8000.00} XXXX XXXX Disbursed this amount to me from the Escrow {$1200.00} XXXX XXXX disbursed this amount to me as a result of overage {$320.00} In consideration of the amount of overage that XXXX XXXX failed to pay out to me, which I am recovering. 
{$9600.00} Is the total amount ( sum of the above three ( 3 ) figures that should have been rolled into my Loan at LOAN DEPOT. 

$ XXXX XXXX ) LOAN DEPOT ( New Loan Amnt Funds Sent to XXXX XXXX XXXX {$9600.00} XXXX XXXX ( Disbursals Whether Complete/Incomplete To Buyer ) $ XXXX XXXX ) Is the amount that was rolled into my new loan at LOAN DEPOT that is unaccounted for. @ XXXX XXXX @ XXXX XXXX
Consumer complaint received 2021-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Springer Collections Inc. (MN)

A debt collection company called XXXX XXXX XXXX d/b/a Springer Collections  has been repeatedly harassing me and my wife with phone calls. My wife & I used to get our lawn service from a local lawn company called XXXX XXXX XXXX that later went out of business. Before it went out of business, the business was taken over by new owners & the new owners billed us for lawn care we never received. We think at least one of the following two things has happened : ( 1 ) we were billed for services we never received & then got sent into bill collections to pay a debt for services that were never given AND/OR ( 2 ) we were confused with another person with the same last name who lives a few blocks away but the company was so chaotic before it went out of business that it sent the bill to us by mistake. We know that # 1 definitely did happen to us. I'm also wondering if # 2 happened to us, because upon the advice of an attorney, I checked my credit report & I found an address near my house that is neither my residence nor a property I own. ( The only real estate I own is my own residence. ) Bill collectors call incessantly and will not listen to reason when I state that the debt is not mine or my wife 's.
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (FL)

To Whom It May Concern, I am writing you to resolve a 10-month dispute with bank J.P. Morgan Chase XXXX started in XX/XX/2020 XXXX regarding a refund. 
I am a cardholder of Chase Sapphire Credit Card issued by J.P. Morgan Chase. In XX/XX/2020, a merchant refunded me {$3200.00}. I reached out to Chase Cardmember Services Department to request a check to be mailed to my home address. The representative advised me that the banks procedure is to send an email from Chase XXXX XXXX XXXX XXXX for me input my account information requesting an ACH deposit to the account that I desire. 
After 7 days of waiting for the email, I called Chase Cardmember Service to inquire about the status of the email. I was advised that the funds were already deposited into an account ending is XXXX XXXX attached letter from the bank ) on XX/XX/2020. I declared that this account is not mine and that I did not receive an email or requested the funds to be transferred to that account. 
Since XX/XX/2020, I have been trying to express to Chase Cardmember Services, Chase XXXX XXXX, Fraud Department, Recoveries Department, Chase XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Department, Identity Theft Department, Security Department, Customer Claims Department and 2 branch representatives ( XXXX XXXX, FL and XXXX, FL ) For detailed list of parties involved, see Annex A. 
On two occasions, I was able to have a Chase Cardmember Services supervisor speak with their counterpart at Chase XXXX to address the fact that XXXX received incorrect instructions/email address from Cardmember Services and that for this reason, someone else was able to obtain my funds. Even though this was verified on two recorded calls, I am still waiting for my funds and nobody has sent me my check with the refund. 

Should you have any questions, please do not hesitate to reach out. I look forward to cooperating with you on this matter. 
XXXX XXXX Chase XXXX Office XXXX Email : XXXX Supervisor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Chase XXXX XXXX XXXX XXXX Phone : XXXX Supervisor XXXX Analyst XXXX XXXX XXXX Customer Service XXXX XXXX XXXX Supervisor XXXX XXXX XXXX XXXX Missouri XXXX Supervisor XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX Identity Theft Department/Customer Claims Department ) Supervisor XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Customer Service ) Supervisor XXXX
Consumer complaint received 2021-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

Dear CFPB, I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments, XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, also XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX ( did not qualify on my subsidized loan but did count on my unsub loan ) and they, FedLoan Servicing never responded. 

I have never made late payments, yet it says I have 73 ineligible payments. If some count, they all should. I believe this error is because the loans have been sold/moved to different companies along the way. Initially, I was with a previous loan servicer, and now FedLoan Servicing. I am at a loss of what to do. They keep giving me the run-around and according to my calculations of payments I should have been done making payments toward PSLF. I have been an educator for 12 years with PSLF being my ultimate goal. This, what seems to be a never-ending run around for the last two plus years, has taken a toll on me mentally and made it impossible to take different steps towards my future and has brought unnecessary stress to my family.

This has caused I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix the ones that should have been fixed.
Consumer complaint received 2021-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

The debt in question is for an account that was paid. I have proof that the debt was paid, receipts, confirmation and records from my bank account. 

The payment was made in XXXX of 2018 for XXXX XXXX. I don't know how or why this collection agency is trying to collect. The amount was paid for {$220.00}. 

The insurance policy is XXXX. I am not sure how they got a hold of my information, but this is being reported to my credit files and I need it DELETED ASAP as it affecting my approval rate.
Consumer complaint received 2021-04-11
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

My HIPPA rights have been violated. Wakefield and Associates sent me a validation of debt which included procedures and medications received without any HIPPA release form. I have not signed any HIPPA release form with Wakefield and Associates. In addition the personal medical information was seen by an unauthorized 3rd party who was unaware of any of the procedures that were performed. I have a copy of the statement sent and Wakefield and Associates should have a copy as well.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

Over the past several years I have been in contact with the agency to report the account as being opened fraudulently by my ex husband who I have formally brought charges against for the financial, emotional, and physical XXXX I endured during the marriage. I've gone as far as asking for the supposed " contract '' they claim I signed and what they sent me wasn't even my correct name. I've disputed the account on every credit bureau available to me. They still refuse to help clear my name, credit worthiness, and validity as a victim of financial XXXX by removing the fraudulent account, further traumatizing me and ultimately delaying my ability to obtain the financial support I so desperately needed to escape my XXXX  I've included some of the documents I receive on a regular basis regarding the charges I have taken out on my abuser to further solidify my identity as a victim of abuse in many forms, financial XXXX being one of the many.
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc. (NM)

My dispute involves two companies the first being Conn 's XXXX XXXX in XXXX, New Mexico. I put my account with them on Auto pay. I received a phone call stating that my account was delinquent. I sent them a copy of the paperwork from the bank showing the payments were being made. I spoke with a supervisor from Conn 's who advised me they had lost the money for my account. They call me 6 or 9 times a day from different phone numbers. I 'm still paying on this account and I am being charged a late fee and they continue to call me even though once a month I have my bank send them money. XXXX code XXXX