davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/20 I sent letters to each bureau. I have not any received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me as well as violating the FCRA laws. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-02-26
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. (MS)

As recently as XX/XX/XXXX, Experian reported an account I had with XXXX XXXX as " failed to pay '' or " charged off ''. This account was closed in XX/XX/XXXX. No other activity has been done to this account since then. Yet Experian continues to report negatively on my credit report. My credit score has tumbled 50 plus points since Experian began doing this. I have disputed this account with Experian on several occasions. Experian continues to update my report after reportedly " verifying '' with XXXX XXXX. However, when I dispute with XXXX for verification, I get no response.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My wife and I recently lost our jobs - she is back to work and I am actively seeking employment. We have a mortgage of {$660.00} and can pay the principal and interest. Bank of America, has insisted I pay taxes and insurance as part of my mortgage, which is GREATER than my actual payment. They Built on {$820.00} per month in escrow for overpriced insurance and taxes which we can pay separately. I asked Bank of America to let us pay the mortgage of {$660.00} and they refused and told me to short-sell our property. 
We are being strong-armed by Bank of America to sell our house, which we have lived in for 12 years because they refuse to let us pay the mortgage loan amount. 
We have the money to cover the mortgage without the escrow. The Bank refuses to work with us.
Consumer complaint received 2015-10-05
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Darnel Quick Recovery, Inc. (GA)

I mailed this company a formal dispute letter with my current address on XXXX XXXX 2015 hoping to get a copy of the original debt today XXXX/XXXX/2015 I contacted the company to advise them that is has been over 30 days and I should have got the documents back by now I spoke with XXXX and XXXX XXXX and she advised that she sent the paperwork to an old address even though my current address is clearly printed on the dispute letter I sent them. I also advised them several times this is not my debt and also not to send me anymore emails with company jargon that I ca n't understand.
Consumer complaint received 2017-03-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (FL)

PAYPAL ACCOUNT On XX/XX/2017 I initiated a transfer of {$100.00} from my personal bank to PayPal. On XX/XX/2017 my funds showed as " Available {$100.00} '' in my PayPal account. I attempted to purchase an item eBay for {$94.00} on XX/XX/2017 and XX/XX/2017 numerous times but an error said " Pay Pal not an option ... contact PayPal ''. After hours on the phone with PayPal and eBay NOTHING WAS RESOLVED! I am now requesting PayPal refund the money back to me in the form of a CHECK. When I do this an error now shows up saying " Not a Valid Billing Address ''. I ONLY HAVE XXXX ADDRESS ON FILE WITH THEM AND THIS IS THE ONLY ADDRESS I HAVE EVER HAD ON FILE WITH THEM. I have unlinked my bank account with them as I am concerned about security. I continue to get canned generated emails back from them that do not address the problem. Please provide me with your assisstance in getting my money back from this fraudulent company.
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (NC)

I purchased my home on XXXX XXXX, XXXX. The originallender was XXXX Mortgage ( Loan # XXXX ). Purchaseprice was {$220000.00}. Financial hardship happened in XXXX XXXX Loan was sold to XXXX XXXX during recession. Suddenly lost job. I fell behind in mortgage. 
payments. Did unsuccessful loan modification with XXXX Loan balance was increased significantly. I discovered on XXXX XXXX XXXX througha phone conversation that the sale date of my property isXXXX XXXX at XXXX XXXX. I have not yet received aformal letter from XXXX and XXXX ( attorneys representing the sale ) although they claim a letter was mailed on XXXX XXXX XXXX. 
I need more time to look for gainful full-time employment inorder meet the necessary financial requirements for a loanmodification to keep my home. Not enough time hasbeen allowed for me to explore all my options for gettingassistance. Private investor of the mortgage is XXXX. I waneed more information on this private investor and the shadytransfer of this mortgage between XXXX Mortgage and. 
Shell Point. I even asked to speak with XXXX XXXX ; CEOor someone in upper management. Within two weeks of my rerequest to speak upper management, the mortgage wassuddenly sold and no one ever spoke with me. I want thisloan process investigated from XXXX XXXX until XXXX XXXX XXXX. I believer customers who are in vulnerablepositions such as myself are being taken advantage byChase and other private investors while jacking up loanbalances as they resell loans. This is home is not valuedat {$250000.00}. Please research this case asap.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

JPMorgan Chase Bank have restricted me from my debit card and i no longer have access to view any of my accounts, notices, letters or statements. I have several refunds and credits going into those accounts, and I need to be made aware if they will be shipping those funds to me through mail or not. This has been nothing but trouble and frustration dealing with this bank. They have charged me over {$600.00} in overdraft fees which I have had to call in and complain about because they post transactions late intentionally to incur these fees.
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Problem 1- I have been an checking account holder in Bank of America XXXX XXXX, and when I moved to XXXX XXXX XXXX, I made my account online only for ease of use. I was using the account regularly, with last login on XXXX. In XXXX, XXXX & XXXX of XXXX, I get XXXX emails from Bofa that I have to update my account information with my latest address, which I do. Sometime in XXXX, I try to login to my account, but I am locked out. I call Bofa customer care, and to my shock, they say that my account is closed by them, money has been zeroed out and cashiers cheque is sent to my XXXX address! There was absolutely no notification of closure of the account and sending of the cashiers cheque. 
Problem 2- So I find out that the cashiers cheque was made on XXXX/XXXX/XXXX, I was informed of this after I called them and not the other way around. The cheque is void after 90 days, but reaches me after 45 days, around first week of XXXX. When I call them that I have received the cheque and request if they can just reactivate my account and put the money back in my account, they refused to do it. They suggest I should encash it in XXXX itself. 
Problem 3- I give up on BofA and go to my local bank in XXXX XXXX They process my cashiers cheque on XXXX XXXX, XXXX and send it across to Bank of America, where it has been received as of XXXX XXXX, XXXX. Yet, there is absolutely no response from Bofa on the status of my cashiers cheque. I also hear from my bank here XXXX XXXX Bank ), that there are XXXX such cases along with my cheque, with bank of America 's cashiers cheque along with the same envelope. 
So, for the last 3 or more months, bank of America has made my money disappear, without my permission, and has not even bothered do respond to my bank from XXXX, after I have gone through so much trouble! Today it is XXXX XXXX. XXXX is supposedly void XXXX XXXX, but that is beside the point. It is my money, and I have had no access to it and I do not see any signs of getting access to it either.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX XXXX XXXX and I am sending this request in response to a letter I received from 3 Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that the 3 Credit Bureau must investigate and delete these fraudulent items XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; Bankruptcy XXXX  XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX  Balance : {$320.00} ; XXXX XXXX - XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2016-07-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (NY)

ARA XXXX XXXX and others continue to call me regarding a debt I do not owe. They call and hang up serveal times during the day. I have asked repeatedly that they remove my cell number from their contact list as I am not the person they are seeking, I am on a do not call list that is verified and valid. They ask me to verify the Social Security Number, Credit Card information and other identifiers of a person they believe to owe the debt. I can not and refuse to do so in any capacity. They told me the calls will continue. This is wearing on my nerves and causing me XXXX!
Consumer complaint received 2015-09-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (FL)

FORD MOTOR CREDIT ( FMC ) was requested to provide proof of false information being reported on credit files .... I sent a letter regarding Authentic Statement of Account UCC Article 9 9-210. Below is a request that FMC has failed to comply with : I hereby certify and confirm this to be a true and correct statement of ac-counting as received by your office XX/XX/XXXX. 
Pay Date Payment Principal BalanceXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off XXXX XXXX XXXX Payoff Offer received with discount andAdjustment mad to affect amount due for settlement XXXX XXXX XXXX N/A XXXX Final Balance XXXX within XXXX days approve or correct this statement. Any corrections here-to must be submitted in writing, under oath and under the penalty of perjury, and full commercial liability ( where otherwise not prohibited by law ). FMC was also served with an Affidavit of nonresponse. This is an action for damages brought from violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.
Consumer complaint received 2018-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

I checked my credit reports at the end of XX/XX/XXXX and noticed a medical bill in collections on my XXXX credit report with Midwest Recovery System, for XXXXXXXX XXXX XXXX in the amount of {$1000.00} which states was opened XX/XX/XXXX. I did not sign a contact with Midwest Recovery System for anything. I was never notified by Midwest Recovery System to dispute this debt that does not belong to me.
Consumer complaint received 2015-05-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (OH)

Paid {$3500.00} on a Citi card to pay it off because they said they would keep the line of credit open if I paid it off. It was in my husband 's name, not mine. Although, I knew I was not responsible to a point, I knew it would hurt my credit and he was going to be out of work for awhile and we needed to keep the line of credit. So, we borrowed the full amount and I made the payment in full. They processed the payment to his bank where the money was not and they knew to process the payment to the primary bank account which was mine. They said since the actual payment did not post in the right amount of time they had to close the account. So not only did we not have the money for his treatment, this is wrong. They made a mistake and they know it. Now also, my account has been removed from the credit account because they know they messed up. Citi bank is corrupt. I have all faxes and print outs. I would print everything on everyday. So I have all documentation. 

Please assist.
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I noticed Fair Collection And Outsourcing ( A debt collector ) listed on my Credit Report who is attempting to collect on a debt that is the subject of pending litigation in XXXX XXXX Case # XXXX with the original creditor. I am writing this complaint because this company simply inserted this on my Credit Report without giving me any notice or any information. This is a violation of the Fair Credit Reporting Act FDCPA. I am also requesting that this company not call me and to communicate by mail only. This debt is inaccurate and can not be verified because the information provided by the orignal creditor is false.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (AZ)

I spoke with representative XXXX at Wells Fargo on XX/XX/19. Explained I was out of town and when I got back noticed that the banker who I spoke with closed my personal account with out my okay where my auto debits to pay my credit cards were coming out of including this one. She stated she would take the payment and dispute the incorrect error on wells Fargo part because they had been hanging on to my mail as well. I paid the XXXX with no problem as I knew it was owed and paid late fees but they agreed to fix the pass due on my credit
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Diversified Consultants, Inc. (FL)

I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any bill only harassment phone calls
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (CO)

I paid off my student loan on XX/XX/2017. I logged in on XX/XX/2017 to ensure it was paid off and there was a balance of {$5.00} for unpaid interest. I called to explain this to aspire and was told I would have to pay it and they would not back date the interest to XX/XX/2017. I spoke to a rep as well as a manager. I finally offered to pay the balance via a credit card and they told me the minimum payment would be {$10.00}. I hung up and paid the balance because I was told they would not freeze interest while I submitted a complaint to them and would be responsible for daily interest accruing. My payment was made online. This is a scam had I not gone into check I would have accrued interest for who knows how long because their system is broken.
Consumer complaint received 2016-04-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL (DE)

My mortgage loan servicing has changed too many times. My former company, whom I hate, ( United Security Financial Corp/XXXX ), sent me a letter informing me that XXXX XXXX XXXX XXXX will now collect my payments. United Security / XXXX XXXX will no longer accept my payments as of XXXX XXXX. Today is XXXX XXXX and I have not received anything from XXXX notifying my of the changes let alone the terms or anything else. While I am happy to leave United Security / XXXX XXXX because they charged me two whole months worth of mortgage payment and still left {$1500.00} unapplied for some unknown reason that even their own customer service department ca n't explain, I still need cooperation from RoundPoint. I can not make a payment without an account number. I am sick and tired of my mortgage loan being sold and resold over and over without my permission. This should absolutely be illegal and it is unfair to the consumer, especially those of us who have NEVER missed a payment.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (AR)

LVNV Funding is in violation of the FCRA ( fair credit reporting act ), due to their failure to accurately report correct dates regarding time barred debts. This includes them re-aging accounts based on the date they purchased the account and not reflecting the last date of last activity. This has caused undo harm, as it makes these accounts appear more recent than they truly are. Due to their lack of abiding by FCRA, they in turn are causing negative reporting on my credit report. These should be removed from my credit report.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OR)

Payment was made to XXXX XXXX XXXX ( have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at XXXX time, XXXX gave me a credit of 5 % on the total bill. ( from XXXX to XXXX ) Received notice from collection services two weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary ( no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NC)

On XX/XX/XXXX I made a payment to Selene Finance ( XXXX ) from my business checking account for a mortgage payment of {$1500.00}. 
I have been in contact with the company since Thursday XX/XX/XXXX. I have made several calls requesting a receipt of payment. 
My last call was with a XXXX XXXX on XX/XX/XXXX he made it evidently clear to me that while he acknowledged the payment was made and recorded he can not provide me with any receipt or proof payment. He told me that there was nothing more that he can do. 
As a consumer, I should have received a receipt of payment and it should be an easy process to provide a record of payment when requested. 
I notified the company that I would contact federal regulators and initiate a compliant. 
I will drop the complaint when I receive the aforementioned receipt of payment.