davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I wrote to them requesting an investigation into items that I believed were Inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time.
Consumer complaint received 2020-12-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Company refused to refund my fraud claim amount that i close and i told HSBC THAT the XXXX transaction was vaild for {$1200.00} and they never return it to my checking account and it cause the account to go overdraft and the fraud claim was closed and denied and i never wanted this claim to be open back in XX/XX/2022 and i havent recived my funds revered back into my XXXX XXXX account for {$1200.00} and it was reverse on the XXXX i told this company to close this fraud claim and send the funds back to XXXX XXXX
Consumer complaint received 2021-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I keep my mortgage paid one year in advance, plus make additional principal payment each month, Without fail, when I make the payment, the entire amount gets credited as additional principal, despite the confirmation page from the company saying I made one monthly payment plus additional principal. It doesnt matter if I make payment through the US Mail, utilizing the online payment system, or calling and speaking directly to an agent, the entire amount is still applied as principal with no monthly payment. 
I then have to make numerous calls to customer service to try and get it corrected. One loan officer gave me her direct contact information, but she never answers her phone and does not return phone calls. Her voice message instructs one to contact her manager if immediate assistance is needed and gives his name/number. However, he does not answer his phone either. In fact, the voice message on his line is the same female voice of the original loan officer and not his at all. Sadly, they have stopped answering my calls at all, and as I said, no calls are ever returned. 
I purchased my home 11 yrs ago and Nationstar LLC d/b/a Mr. Cooper is the 5th loan server Ive had. There has been no problem with me maintaining my one year cushion until Mr. Cooper purchased the loan in XXXX. Immediately I began to have issues of payments not being applied correctly, and it has continued every month right up until the present date. Mr. Cooper told me it is because one can not pay more than 6 months of a mortgage in advance. I told them XXXX ... .as long as my is current and not in arrears, I can have any additional funds applied however I please. 
I am still fighting with the mortgage company trying to get them to apply funds as specified. Ive made enough payments so that my next payment should be due XX/XX/XXXX. However, the company has been misapplying the funds and after I got it straightened out, they decided to reverse the payments I recently made and re-credit them as principal only, thereby causing my next payment to be due 2 months earlier on XX/XX/XXXX. I DID NOT give permission for anyone to go into my account and convert funds from monthly payments to principal. They are systematically wiping out the financial cushion I prepared for myself. 
I dont understand why this is so difficult. I make one monthly payment with {$1000.00} additional principal each month. Instead of the simple transaction I requested, there will be 10 or more transactions listed as taking place on the same day.
Consumer complaint received 2021-07-08
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. (NC)

Equifax says they could not identify me with this fraudulent account on my report. I have attached copies of Driver 's license, Social Security Card, return receipt for company that has received my dispute. I have also attached a copy of the affidavit of truth ( copy before notary ), cease and desist letter, and Identity Theft Report. Equifax I would hope that you do your job and protect my consumer report as it has been ruined by this fraudulent account. Please have it removed from my consumer report. I want XXXX XXXX XXXX to also send a letter to Equifax and myself stating it is being removed as well as pay the invoice attached for violations against my consumer rights.
Consumer complaint received 2019-08-22
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. (TN)

Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (MS)

When I first ordered from XXXX I was thrilled. They then issued me credit and I also thought that was great. Then when I tried to make my first payment, the trouble began. I would try to enter my bank or credit card information for payment and it would be rejected!! I then would call the cs dept and they would try and would also not be able to complete the transaction. I would then beg for someone to please tell me why you ( XXXX ) wouldn't or couldn't take my payments, so I sent in a Check, But you returned my check saying it could not be processed!!! When you finally rec 'd my personal check and did accept it, you said I was late!!! This went on until I quit ordering from XXXX just exactly for this reason! And I get a delinquent notice on my credit!!! That is so wrong!!
Consumer complaint received 2022-10-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/21 IRS sent a THIRD ECONOMIC IMPACT PAYMENT XXXX XXXX XXXX direct deposit {$2800.00} to J P MORGAN BANK ( XXXX ) XXXX Routing number XXXX Account number XXXX But, this is not our account. 
We notified IRS. IRS sent us a letter with a J P MORGAN BANK phone number, and told us to solve ourselves. 
We called J P MORGAN BANK, and they refuse to trace, also they told us called back to IRS.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NV)

Chime canceled my account because they said I didn't provide them with documents of where I got my XXXX deposit from. I told them it was from my moms inheritance. They closed my account and kept my money which at time was less tha XXXX dollars
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I am an attorney in New Jersey. I sold a home and the proceeds were wired into my Attorney Trust Account on XX/XX/18. Once the wire posted, I wrote a check from my attorney trust account to myself and went to my local Chase branch to deposit it into my personal account. The teller told me it would be a 2 day hold. I said " Fine '' and deposited the check. On the day the hold was to be released, I get an email from Chase saying that they were going to hold it an additional 8 days. I went to the Chase branch who then had to call me back once the manager returned. Manager said she could not do anything. I asked to give me the check back, but they said that they could not do that. They escalated the problem to their corporate help line, but they said that they would not clear it nor give me my check back. The only reason for the hold was that the check amount was large. As a lawyer, if I bounce an trust account check, I would lose my law license and go to jail. 
I have completed thousands of real estate closings and never had a proceeds check held for a week and a half. If that was to be the case, I would have wired the money. I believe that they are only holding the check to take advantage of using the interest free money for 10 days.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (RI)

On XX/XX/XXXX my Discover card was charged a large amount of money at a jewelry shop in XXXX MA. I have contacted Discover multiple times to have this issue resolved. They continue to not give me a reason for why they will not remove the fraudulent charge. They have stated to me that they had signature and picture evidence that my ID was used at the point of purchase but they have not provided any proof whatsoever. Discover has also continued to harass me with collection calls and emails on a balance that was not my own. Discover has " investigated '' multiple times but has failed to give me a valid reason as to why this was not a fraudulent charge. I have sent them proof showing that I was not there around the time that the purchase happened. The location where the purchase was made is about a two hour drive from where I live. I very rarely travel to XXXX and I never make purchases of that amount. Discover should have verified the transaction with me before it was authorized as it is well outside my typical purchasing area or transaction type. This is my final attempt to have this resolved with discover. My next action will simply be to get a lawyer.
Consumer complaint received 2022-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (DC)

My family and I moved and we paid all XXXX XXXXXXXX two times and at each time XXXX  XXXX would send a refund!! Now Im getting a bill stating that I owe XXXX XXXX XXXX!! We had not been at my old address for over 7 months, so why Im getting a bill?
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/2019 I opened a dispute and received a claim # XXXX. On XX/XX/XXXX I  purchased an item through a merchant using my debit card through SunTrust. Originally, I attempted to resolve the dispute with the merchant. XX/XX/2019 I reached out to the merchant/seller and was denied my request by XX/XX/2019. On XX/XX/XXXX I filed a dispute with SunTrust and answered all the required questions by SunTrust about my dispute and attempts to resolve. Within 10 days I called SunTrust and was told I did not need to take any further action. On XX/XX/2019 the dispute was inaccurate closed and re-opened. SunTrust required a affidavit which was faxed XX/XX/2019. By XX/XX/2019 I received a letter from SunTrust asking for the third time for a description, " of what you were expecting to receive and how that differs from what you actually received, along with date mm/dd/yyyy of merchant contact and if possible an expert opinion from a neutral third party. I responded XX/XX/2019 and called today ( XX/XX/19) for an update. I was instructed that it would take another 60 days for a total of about 4 months to resolve the dispute.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX  ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax Credit Bureau refused to conduct proper investigation & have these errors deleted from my credit report. I have called this morning, regarding debt collector the bureaus XXXX XXXX XXXX  originator reporting the amount {$820.00}, refused to delete this creditor. I have a certified letter, returned back to me via USPS. The contact information that's stated on equifax of the address is invalid & returned back to sender. Attached is a photo of the letter returned.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair reporting act XXXX  account number XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 sec 602 A. states i have the right to privacy.

15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-01-29
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: DISCOVER BANK (NC)

XXXX has me down as owing them on four accounts that are not mine. They refuse to assist. I have gotten a few times where they say I do not owe them anything and they have no info on me. I have these convos in e-mails to prove this claim. With that being said they're reporting my credit for four accounts that are not mine.
Consumer complaint received 2021-03-04
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 ()

PayPal closed my account for no reason. I have contacted them by live chat and also by call, but they are not providing any explanation on what went wrong so my account is being closed. All the documents provided are legit ( ID proof and Bank details ), also I'm ready to provide further documents if required. They are not cooperative and supportive in order to solve this issue and get back my account. I feel they are not customer friendly so I could report here as it is affecting me a great deal as I have to use PayPal quite frequently. My email linked to my PayPal is " XXXX ''. Please help me to recover my account as soon as possible. This will help me a lot. Thanks
Consumer complaint received 2018-03-08
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: EQUIFAX, INC. (AL)

Creditor : XXXX XXXX XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX  XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX  XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2018 I noticed that my credit score with XXXX dropped by 76 points over night! I contend that this is not only arbitrary, but also credit discrimination. I also noticed the numerous inaccurate information and account claims on my report which I immediately requested that same be investigated. 
How can my score dropped 76 points overnight when I consistently pay my creditors? 
I contend that this tremendous drop in score is discriminatory, unfair, and bias! 
I am requesting an investigation immediately and a resolution of this grave infraction to my credit welfare and health! 
In addition, I noticed my credit score dropped by 27 points with Equifax. I contend that this is also arbitrary and discriminatory. I am asking that same be investigated as well. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2021-04-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I closed on my home with a short sale on XX/XX/XXXX. Mr.Cooper was my primary mortgage and they accepted the short sale offer and we closed. The bank never sent my XXXX or XXXX documents which was their responsibilty by XX/XX/XXXX. My attorney for the foreclosure prior to the short sale acceptance never received the documents nor did the attorney of record for the short sale. I spoke to customer service at Mr.Cooper 3 times, each time getting a different answer. I was instructed to send a request with the letter of disengagement from my attorney to their research dept. which I did twice with no response. I called again today and was told that only my lawyer can talk to their legal department in order to retrieve these documents, some kind of " code '' has to be removed and can only be done by their legal department, who won't talk to me. Please advise as this is preventing my accountant from completing my XXXX returns. Thank you, XXXX XXXX
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IN)

I recieved a letter from IC system, I got this letter months after it was sent Due to the fact that I'm in XXXX at a really remote location near the XXXX border in the XXXX region. It took the mail almost 3month to get to me. Once I recieved this letter I paid the bill ... this is the confirmation numberXXXX, ,now this has affected my credit score ..and I'm trying to rebuild my credit ... I settled with them for XXXXusd. I'm asking that they remove this hard inquiry off my credit history. 


XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ( XXXX ) XXXX I C SYSTEM INC XXXX XXXX XXXX XX/XX/XXXX {$530.00} {$530.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX