davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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. (NV)

On XX/XX/2022, I sent Transunion, XXXX and XXXX a copy of my credit report that I obtained from them stating that they are reporting unaccurate information on my consumer report, however it keeps coming back VERIFIED, how is this possible when everyone is reporting this item completely different? FCRA states all items MUST be reported 100 % accurate. I provided evidential documents to show the inaccuracy of the account, however they still choose to ignor the documented FACTS that I received from them. Transunion, XXXX and XXXX need to be held accoutable for their NEGLIGENT FCRA REPORTING. Every date of last activity is reporting years apart, balance ECT...
Consumer complaint received 2023-01-09
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

Summary : I ordered some checks from JPMorgan Chase Bank, but the checks are lost during mailing. Someone signed and cashed the checks for {$400.00}, and Chase refused to refund the money. 

Timeline : XX/XX/2022 : Ordered checks at Chase branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, no notification ( email, or message or phone call ) about the mailing of the check, no tracking number provided. No communication from the bank when the check will arrive. 

XX/XX/2022 : Someone signed a first check and cashed {$200.00} ( attached as XXXX ). 
XX/XX/2022 : Someone signed a second check and cashed {$200.00} ( attached as XXXX ). 
XX/XX/2022 ( approximate date ) : I first realized the check was never arrived and noticed the cashing out of the lost checks. I called Chase immediately, but the bank refused to refund the money and they said they need further investigation. 
XX/XX/2022 : No notice of investigation result from bank, so I call the bank and they said investigation is over and they refused to refund because the check was cashed out more than a XXXX ago. 
XX/XX/2022 : I went to branch to discuss but they said the decision is made and they can do nothing. 

Note : 1. When I ordered the checks in the branch, I was not explained when the checks will arrive and that I should contact Chase if the checks will not arrive after a certain date. 
2. No notification in any forms ( phone call, email, message ) that the check was in delivering, no tracking in any sort. 
3. I don't know whether the check is mailed to the wrong address, lost in the mailing process or got stolen from our mail box. However, we haven't lost mail / packages and the neighborhood is very safe. 
4. I only noticed that check was not arrived until XX/XX/XXXX because there was a newborn to care in the mean time and as a first time mom it's very challenging. If there would be any kind of communication that the check was expected to arrive, I would have noticed that notified Chase.
Consumer complaint received 2023-01-09
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. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear sir/madame, On XX/XX/2022, I sent a wire transfer from my business account at Bank of America to my partner 's account at a bank in XXXX to pay for the services they provided to my company. The receiving bank in XXXX was supposed to be XXXX, though the funds never reached it. The whole chain is Bank of AmericaXXXX XXXX XXXX 
XXXX XXXX. is an intermediary bank in this transaction, and I assume XXXX XXXX. has been holding my funds since then. The XXXX number for this wire is XXXX. 
I have previously submitted a complaint against XXXX with Consumer Financial Protection Bureau, case # XXXX. Based on their response received on XX/XX/2022, XXXX XXXX. is unable to assist with a wire in which XXXX is the intermediary bank. XXXX advised to contact the origination bank, which is Bank of America. 

I have contacted Bank of America prior to that complaint over XXXX times in XXXX and XXXX of 2022 with no luck. Per their verbal statements, they have attempted to request a wire recall which was denied, and can not assist me any further. 
Bank of America has not provided any proofs that such request have been made and/or denied. Their wire department and money move team were not helpful and I would say some representatives were even rude with me. They told me there was nothing they could do to help me to get my money back into account, and advised I should not call them any more about that wire. 

It's almost 5 months I am missing {$52000.00} on my Bank of America account. I am a customer of Bank of America, they were the bank sending that wire that got lost. They have charged me wire service fee, and I believe they did not do their job properly to get those money back into my account. By filing this complaint I am asking Bank of America to provide me documental proofs of wire recall requests being made and being denied, and to further investigate this wire transfer until the money being returned into my account. 

Thank you for the support, XXXX XXXX
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

I submitted a request on XX/XX/XXXX for a Lienholder 's Certificate which is needed for me to do a Boundary Line Elimination on my property, combining 25 little lots into one lot. This is necessary for tax purposes and county planning and development purposes. It is now XXXX of XXXX. I have provided all their requirements - a property survey, a property plat before the proposed changes and an unheard of {$500.00} charge to create the certificate. After nine months and over 30 phone calls they have still not provided me with the document. Every time I call they tell me it is pending. They have made a few attempts to call me, but have never left messages or a convenient time/way to return calls even though I've requested a specific method of establishing direct contact. The few times I was able to reach a live person, the only information they have provided in nine months is that the request is with their legal department, there is no way to reach that department directly, they can only continue to contact the legal department and ask for updates, and that the matter is still pending. 

I have sent numerous emails and phone calls. I finally submitted the following Letter of Demand by email on XX/XX/XXXX. 

This is a Letter of Demand regarding a request submitted to your office XX/XX/XXXX. The Demand is for a Lienholders Certificate that has not been completed in 8 months since the initial request. SPS requested a plat and survey which was submitted XX/XX/XXXX. By XXXX of XXXX, the document still had not been received. SPS stated the request was sent to the legal department and the cost would be {$500.00} for them to generate the document, but no one knew how or when the payment was to be made. No indication of what the next steps were provided. The same information was given repeatedly and no one had updates from legal. After a number of phone calls to the ombudsman department placed throughout XXXX, XXXX, and XXXX, information was finally provided about how to pay the required fee, which was made immediately on XX/XX/XXXX. Since then, over 20 calls have been placed to SPS for updates and no further progress or information has been provided. This is unacceptable.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 I had a deposit clear in my chase account after the 10 day hold ( it was a large amount ) and become available in my account which I have photo evidence of only to have my account then locked and access to my funds denied and withheld even after clearing the 10 day hold with no problem whatsoever then after closing my account still having denied me access to any of my money they sent me a check for {$18.00} instead of the {$230000.00} that was in my account at the time of closing and I also have my final statement from chase showing a closing balance of {$230000.00} not the {$18.00} they sent me and further more it clearly states in black and white on my final account statement the last transaction was XXXX check charge for the amount of {$230000.00} yet to date and its now almost XXXX I have still yet to receive that check they made for {$230000.00} nor any explanation as to where it is and why I havent received it or any of my money that was in the account at the time of closing Ive called and called Ive gone to multiple branches and Ive been left with more questions nobody will help me and frankly as a whole JPMorgan Chase has overall been rude and disrespectful to me not helpful or honest at all and extremely unprofessional at any level I dealt with how they can do this to somebody is beyond me and absolutely ridiculous thing to do
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

Please help, I have disputed these charges several times and now they are on my credit file inaccurate and false. I lived in this apartment complex for four years, gave the proper notice and moved out. I'm now finding out I'm being charged for carpet, paint etc. which is inaccurate and that should be normal wear and tear and the landlords responsibility. There was no damages at all. The charges are inaccurate and I do not owe. Please help
Consumer complaint received 2022-07-14
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXXXXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WA)

To whom it may concern, My name is XXXX XXXX XXXX. I request these items beloved to be immediate investigated and removed if inaccurate as they are not belong to me. According to Fair Credit Report Act, I expect you to complete this verification withins 30 days. 
**Address** XXXX XXXX XXXX  XXXX XXXX, WA XXXX This address is not mine, delete it!! 
**Hard inquiries** _XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX  Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Consumer complaint received 2022-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 2020-06-24
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. (MD)

XXXX XXXX from XXXX XXXX XXXX sent me an email on XX/XX/2020 at XXXX with a pdf file attached, which said my XX/XX/2020 payment was late. I responded the same day on XX/XX/2020 at XXXX to XXXX XXXX XXXX  and informed them I had already paid my mortgage to them in sum of XXXX via my XXXX XXXX . I have attached a copy of this correspondence. I also spoke to the assistant branch manager at the XXXX, MD XXXX for XXXX XXXX XXXX  on XX/XX/2020 regarding XXXX mortgage dept. not getting back to me regarding them reporting negatively on my credit, after I was told previously by the telephone representatives with XXXX XXXX XXXX  in XX/XX/2020 that they would allow me to send them information showing that my bank ( XXXX XXXX ) paid the wrong mortgage company. Attached is the correspondence from me to XXXX at XXXX XXXX XXXX. I was told by XXXX XXXX XXXX  that the mortgage dept wanted my cancelled check from my bank ( XXXX ) showing that I had paid my second mortgage company and XXXX XXXX XXXX  in XX/XX/2020, but that XXXX XXXX  sent both checks to XXXX  XXXX ( my second mortgage company ). XXXX XXXX  made both checks payable to XXXX  XXXX ( my 2nd mortgage company ), although I wrote in the memo of the check the loan-account number for XXXX XXXX XXXX. I found out later it was an error with their ( XXXX ) system which is why one check had a loan number for XXXX and one check had the loan number for my second mortgage company in the memo. On XX/XX/2020, XXXX XXXX XXXX  responded to my emails and said that the mortgage company for XXXX agreed to remove the negative reporting that my mortgage was late XXXX XXXX  since I could show that I paid them. I had filed a compliant with XXXX  on XX/XX/2020 because XXXX mortgage dept was taking too long to respond to me. However, the letter XXXX sent in response to my better business bureau and a previous CFPB complaint, said they were giving me back a late fee, but it did not say they were ALSO removing the information from my credit report as they previously agreed. XXXX XXXX XXXX   mortgage dept had previously said they would do so once I showed them I had in fact issued a check from my bank to them with the loan number to XXXX in the memo of the check and not to my second mortgage company. I am requesting that they remove the negative information from my credit report, as they previously agreed on XX/XX/2020. It was not my fault, I initially thought I did something wrong with XXXX but I did not, I did input the right information and loan number but my bank sent it to wrong company. I also attached the cancelled checks from XXXX XXXX  which supports the loan number in the memo was for XXXX in XX/XX/2020 and not my second mortgage company. I need XXXX to do what they said they would do, remove the negative report from my credit.
Consumer complaint received 2020-06-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I mailed a debt validation letter to Bank of America ; Acct Disputes [ Account ending in XXXX, with a balance of {$6900.00} as of XX/XX/XXXX ] on XX/XX/2020 via certified mail. The letter was delivered on XX/XX/2020, at XXXX ( receipt attached ). Bank of America failed to provide me with the information I requested in my letter, and furthermore, failed to place my account 'In-Dispute ' status with the credit reporting agencies. 
On XX/XX/XXXX, Bank of America sent me a letter stating that my cased was closed and resolved, but the again on XX/XX/XXXX, I received and email stating that more time was needed to research my concerns, citing to hope to resolve this matter by XX/XX/XXXX. 
As of today, XX/XX/2020, Bank of America has not reported to any credit bureau agencies that my account was ever in-dispute, and they have not contacted me since their last email about this issue and/or sent me the documentation I initially requested in my debt validation letter.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you.
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Corporation of America (AR)

This organization started calling me yesterday XX/XX/22 while I was at work and again this morning while I was asleep. I returned their call to see what they were needing and before I could say yes I was who they were looking for or no, they started asking me to verify my personal info, SSN, mailing address or anything of that nature and I then ask before I disclosed any thing, what was the nature of the call. The response was that it was a personal matter. If it is a personal matter, then use the post office. I would have been more receptive if I was told who they were and it was an attempt to collect. They didn't need to say who or what was owed.