davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, on a trip to XXXX XXXX I tried to use my Chase debit card to withdraw funds from an ATM. I tried to take out {$210.00}, I inserted my card into the ATM, selected the amount I wanted to withdraw, but the ATM machine did not dispense any cash or receipt. I checked my app on my phone immediately and saw that the amount was withdrawn, but then credited back immediately. I assumed that I had tried to take out too much money, so I tried again. This time taking out {$100.00}. Again, the same thing happened, the ATM did not dispense any cash or receipt. The next day I called Chase to confirm my money was secure and to notify them of what had happened. I talked to a representative who had me explain my story about 6-8 times, drilling me about the amounts I tried to take out and kept insisting I tell her the amount I actually received, even though I kept repeating that I got {$0.00} from the ATM. From the very beginning it seemed like she was on the defensive and did not believe what had happened. I explained to her that she could check my history with them, that I traveled a lot and never had I tried to submit a claim of this sort because this never happened to me. She eventually, after a very long call told me she would submit a claim and they would investigate the  matter. My money was refunded on XX/XX/XXXX. On XX/XX/XXXX they reversed the refund. I did not receive any notification that they would be removing these funds from my account, though they claim I did ( thankfully I had additional funds and my account was not in red ). I called and asked to speak to someone who could explain why my claim was denied - they said that they communicated with the bank in XXXX XXXX and they said their ATMs were balanced and the money was retrieved from the ATM. I asked them to please contact them again and explain that the money was not dispensed. I called again today on XX/XX/XXXX to receive an update, because again I am not being notified of any updates on this claim and they said that the bank claimed again that the ATM dispensed the money and they were able to provide a receipt. I asked if they could please ask the bank for the CCTV footage, because the ATM did not dispense any money or a receipt and they said that those could only be subpoenaed so they would not be doing that. The agent told me there was not much more I could do. I've asked twice now what I can do in the future to protect myself from this happening again and no agent can provide a response. I am very frustrated that {$320.00} were stolen without Chase taking any responsibility for their actions or even trying to advocate in my defense as their customer.
Consumer complaint received 2020-02-04
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

XXXX college sent me to collection with conserve for {$890.00}. Then they add their fee on that. They are saying it was for financial aid. I made too much money to qualify for any financial aid or pell grant. I was only able to take out sub and unsub loans through student loans using my SSN. I ended up dropping out of classes but My student loans are currently through XXXX and are on deferment. So I am trying to figure out how they are trying to make me pay back money that im already paying back anyway which is my student loans that are in deferment. I called conserve and they said they couldn't remove it from my report and that they have to dew what XXXX college tells them. So I emailed the business office at XXXX to ask about the debit and maybe settling on it if I actually infarct owe it and they said I would have to discuss settlements and payment with conserve. So I am being drug around in circles and its very frustrating.
Consumer complaint received 2020-02-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

On XX/XX/XXXX of 2019 we signed loan documents in front of a Notary Signing Agent at a XXXX in XXXX XXXX. Those papers stated that our new Refinance Mortgage Payment was going to be {$2300.00} and that we were going to receive at closing {$1900.00}. I called and contacted XXXX XXXX the Processor at Cash Call Mortgage many times to ask him about when was the loan closing because it was taking so much time and he was finding many silly excuses to close the loan late, one time we wrote in one of his emails that every time I ask a question I hold my loan 1 day and the they were low in workers that was why he was taking forever to close my loan. It took about 2 weeks to close my loan after we signed the Loan Documents. Everything was legitimate in our end, paperwork, employment and credit but he was finding the minimal excuses to make the loan late. we were never told that the mortgage payment was going to increase and that we were going to receive less money at closing that we had agreed. We received {$1700.00} instead of {$1900.00} and they also charged some fees that were not disclosed on the signed documents. The fees were {$250.00} one was {$120.00} and it said QCD and the other was {$120.00} for Transfer Tax. The purpose for us to refinance was to lower our mortgage payment from XXXX of $ 2500ish and at the end Cash Call mortgage gave is the same payment. Their practices of doing Loans is not professional at all and they do wherever they please with their clients.
Consumer complaint received 2020-02-04
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 buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report. There are many derogatory items that do not belong to me. Please delete these items. 

XXXX XXXX  XXXX {$520.00} XXXX  XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX  XXXX {$240.00}
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

In XX/XX/XXXX after reviewing my credit report, I noticed there were items in a " charged off '' status years ago however still showing I was missing payments monthly which appeared on my credit report in two ways : 1. Late payments from an account closed in charge off status from XX/XX/XXXXand, 2. That same account 's balance, though reported as a charge off, was being combined with my total amount of available credit and in a late payment status. 

I contacted the company who was hired to collect the debt, Portfolio Recovery Associates of XXXX, VA. I spoke with a collection specialist and he said their company could accept a settlement payment from me despite this debt with XXXX XXXX being charged off in XX/XX/XXXX. I told him I was concerned it was still showing up and showing up as late monthly payments still accumulating interest. He agreed to accept {$830.00} and I wrote them a check and mailed it on XX/XX/XXXX. 

I appealed this item with XXXX  and they refused to review the request to address this discrepancy in XXXX. 

Today, in XX/XX/XXXX, this item is still on my credit report as a " late payment '' and they have never shown that this item was addressed as a settlement. 

Portfolio Recovery cashed my check on XX/XX/XXXX however never contacted the credit reporting bureaus to update this account. 

I've filed a second discrepency request with XXXX  who has a copy of my check to Portfolio recovery, the actual photo of the check from my bank showing when Portfolio Recovery cashed this, and screen shots of how this item is showing up on my credit report as late monthly payments for a debt that is close to {$2900.00}. 

I have contacted the Colorado Attorney General 's Division that handles collection companies to request they assist however, the AG 's office suggested I also file a complaint with your agency.

This item has continued to keep my credit score from increasing, has factored into me being denied housing, increased costs of auto insurance, and taken hours to try and address now, for close to one year with no resolution.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have 2 lenders that are unable to pull my Equifax report, so Im being denied credit. I have spent hours on the phone with Equifax and have no results or even answers except the problem is not with them. Please help!
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Unlimited Progress Corp (IL)

I have tried settling a debt. That I had no idea about. It turns out it was a bill for my daughter. The only reason I found out about this is because I am in the process of buying a home and when they pulled my credit the mortgage lender notified me and I was shocked to see this. I immediately called the creditor who are located in XXXX Illinois. I told them I would pay it over the phone for deletion on my credit report. She told me to write a letter to the supervisor XXXX XXXX about my situation. That she does the reporting to creditors in the beginning of each month. 
I wrote the letter and mailed it out immediately. Never heard back. So I called again. I was told that they got my letter and that they would require payment in their hands first then decide if they would delete from my credit reports. She then however mentioned to me that they dont delete from reports. I then reiterated " so you guys need payment in hands and even then you still won't guarantee the deletion? " she said that is correct. 

I am trying to pay this off but they are not accommodating by any means. I have been nice every single time I am really trying to settle this. The closing on my future home is less then 60 days away. Can you help me please. 

My email is XXXX XXXX XXXX
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AR Resources, Inc. (PA)

On XX/XX/19, I checked my credit report and I called multiple times to AR Recovery. Each time I called they wanted to verify information i am not comfortable with, nor obligated to share with anyone I do not know. I validated my name and address and that this account was on my credit report. I have never received any correspondence from this company, which if they are a collection agency is required. Nor does the credit report list any information to show which account they are referring. I am not paying any balance I do not know, nor would you. 

When i called AR Recovery, I disputed this debt and refused to give out my personal information further than address. This company wont let you go any further and actually hung up on me three consecutive times. I dispute this debt. I do not trust this company to house any information related to me and require that a document showing the validity. I don't know who they are, i don't know which account they are representing, i do not have any outstanding debts. 

The FCRA is pretty clear in its law that requires you validate whichever debt is on my credit report or remove it. You can not just hang up on people because they refuse to verify their SSN. You are required to provide customer service, yet you can not even handle a typical situation. These agents were very rude and hung up on me three times. One collector even advised that " He is the Compliance Manager '', he also seemed to call me a profane name in another language, which i called him out on and then he hung up on me. Either validate the debt or remove it, but you can not just hang up because the conversation isnt going the way you want it to.
Consumer complaint received 2020-02-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NV)

I sent money to a friend, XXXX XXXX, though Western Union on XX/XX/2020 in the amount of $ XXXXUSD. Mr. XXXX was supposed to receive the money in his bank account, located within the XXXX, within 0-5 business days. To this day, XX/XX/2020, the money has not been received. I have sent money many times in the last 6 months to the same friend and bank account, using Western Union, and have never had any problems.

I have called Western Union multiple times, and have used their online chat service and I still have not gotten a resolution. Western Union has sent me an encrypted document, which I have attached, with a transaction ID number that they claim the bank issues once the bank receives the money. 

XXXX XXXX has been to his local bank, multiple times and spent countless hours trying to find out where the money went. His bank, XXXX told him that this transaction number that WU provided me comes from a 3rd party intermediary and not from XXXX XXXX. XXXX and Mr. XXXX have also spent hours on the phone, mulitple times, with WU and keep going in circles. XXXX XXXX  says they can not track the money unless WU provides the name of the 3rd party intermediary. WU refuses to give me the name of the intermediary. 

At this time, I have no resolution and I dont know where my money went.
Consumer complaint received 2020-02-04
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. (NV)

I am a victim of fraud and have fraudulent information reporting on my credit file, I am a victim of fraud and have tried to dispute this inaccurate information due to being a victim of fraud. The following inquiries are fraud and need to be removed from my credit profile due to inaccurate information. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2020-02-04
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. (NV)

I am a victim of fraud and have been a victim for many years, I have attempted to updated all in accurate information that is reporting on my credit profile due to fraudulent information reporting. I have disputed in the pass but per FCRA accurate information needs to be reported information that is inaccurate needs to be removed especially fraudulent information. I fell victim and it is taking me many years of being able to clear up this mess I fell victim to. Please remove the following fraudulent inquires that are reporting on my credit profile. 

XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2020-02-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prime Business Service, LLC (CA)

After checking credit, and from being a victim of identity theft, I reached out to this company serval times and a lack of communication very rude and demanding for payment. I tried to explain to the company that this account isnt mine and I have no knowledge of this account, this account had to be open fraudulently under my name using my identity. This account has been inserted on my credit two times, recently after disputing  with all three Credit Bureau, XXXX XXXX was able to delete the original creditor XXXX XXXX XXXX, this is a third party company trying to obtain money from me in the amount of XXXX $ thats false information from what the previous creditor XXXX claimed I owed before it was removed/ deleted from my account of XXXX I would like for this account to be removed from my credit and a letter sent of deletion
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

I am a victim of fraud and there are a number of errors that are reporting to my credit report including the reporting of a bankruptcy. I have disputed the inaccurate information in the past and have disputed directly with the court that advises they have no record of a bankruptcy being filled nor have they shared information of any person information to public record providers. I have been a victim for many years and have a number of inaccurate information reporting per FCRA only accurate information is reported.
Consumer complaint received 2020-02-04
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (FL)

I called and to settle the debit and pay it that day if it was removed from my credit reports. They offered a settlement of {$520.00} instead of the {$1000.00}. But she said if it was settled that it wouldn't be removed and they would only updated it and they said the only way they would delete it is if i paid the full balance which was strange because every collection company i have ever dealt with works with you. Not this manager at source receivables. She was chuckling and very condescending and making XXXX  XXXX comments. Like we talked to you in the past and told you the same thing so .... No need to talk down to me when I am trying to ask for help and buy my first home. I said I only have the amount to pay this thing in a settlement and would only pay if its removed cause there is no point if its just left there to damage my credit. She said well if you don't pay it in full its going to stay on your credit and prevent you from getting a home.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I am a victim of fraud and there are a number of errors that are reporting to my credit report including the reporting of a bankruptcy. I have disputed the inaccurate information in the past and have disputed directly with the court that advises they have no record of a bankruptcy being filled nor have they shared information of any person information to public record providers. I have been a victim for many years and have a number of inaccurate information reporting per FCRA only accurate information is reported.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A item on my credit report has been illegally negative re-aged. Here is the background. 
Someone opened a XXXX account in my name. 
Approximately 8-9 years ago it went into collections. Approximately 3 years ago I disputed it and it was removed from my credit report. A few months later it re appeared with a new date of XX/XX/2017. 
The item is as follows Debt description XXXX XXXX Current creditor XXXX XXXX XXXX XXXX Amount of the debt {$1100.00}
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had XXXX  credits cards with chase bank. They were in good standing. I received a letter from Chase that they were closing the account because they no longer do business with non-US government officials, their families or close associates. I am a US citizen, not affiliated with a foreign government. I have a friend who is and is also a US citizen. I handled his finances in the US for him and his wife. We had a joint checking account. This account was also closed. When I called chase I was told they do not have to have a reason for closing an account. Yet, they gave me a reason and it is pretty much based on the fact that I know someone who lives abroad and is a civil servant in that country. That is unacceptable and a violation of my right to associate with US citizens regardless of where they live and what work they do.