davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

To whom it concerns Chase card services has two accounts under my Social Security number and my name that are identity theft and were not opened by me. 
First account ending in XXXX & 2nd ending in XXXX. 
To assist with the research my information is as follows XXXX XXXX XXXX XXXX These accounts are reporting as close to my credit reports such as XXXX XXXX and XXXX and based on My credit report they were both opened in XX/XX/XXXX. 

Again these are identity theft accounts fraudulently open under my name I never open these accounts and will not be held liable. 

Let me say that I have been attempting to get this matter resolved since I noticed them in late XXXX on my credit reports. I have reached out to the company I have sent credit bureaus information regarding this Ive attached a few communications with Chase and their responses for you to see. For whatever reason when I follow up on the investigation theyve either verify the account without providing any evidence or just not follow up at all. 

You will see in the responses specifically in XX/XX/XXXX I requested them to verify any information and they just responded with we have reviewed and confirmed its valid. This specific example is Unacceptable as they are ignoring the laws as they must abide by two without providing any evidence on how they verified it. The next step will be a small claims court lawsuit against Chase for the specific reason as they are failing to provide any evidence whatsoever through mailed responses. 

After calling into the fraud department and getting circled around with different representatives not knowing what to do or having any resources available to help with this matter a few times they explained to me that there was payments made from a XXXX XXXX bank account and thats why they are verifying it. 

Again this information was provided over the phone it was not provided through the mail response but based on that information I did get a letter from XXXX XXXX stating that Ive never had a bank account so the payments could not have been made for me further proving that these accounts are identity theft and fraud. 

So please see the responses from Chase and understand that They have failed to provide evidence to verify these accounts which is unacceptable under the law. 
Just based on talking to Chase over the phone I have disproved that these accounts could be mine through a bank account see attached letter from XXXX XXXX. 

Needs to be resolved now and the lingering back-and-forth communication with Chase is unacceptable without any resolution. 

These accounts are fraud they are identity theft were opened without my authorization and need to be deleted from my name and credit reports.
Consumer complaint received 2022-11-16
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: Navient Solutions, LLC. (TN)

THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00}
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

Dear Sirs, I come to you as aXXXX XXXX  XXXX vet on a fixed income. I have an account with Truist Bank, formally BB & T. I noticed an increase in NSF charges over this last year. Unfortunately, i have had many catastrophic issues in my family which consumed my time. As a result, I've placed my bills on budget pay to facilitate the necessary payments due. Here is the latest issue : On XX/XX/22 I had a balance of {$470.00} in my account XXXX. After charges totaling {$76.00} were paid, i was charged 3X {$36.00} in NSF fees. As i had time that day, i started researching my checking accounts XXXX & XXXX. From my statements for XXXX 2022-XXXX  2022, i found that i have been charged a total of 24 NSF fees XXXX a total of {$820.00}. 
1.Truist has a policy of notifying clients within 24 hours ( grace ). I have never been notified, thereby allowing me to add the necessary funds, although they have my updated ph # & email. I would generally get a mailing some 4-6days AFTER charges have been applied. Upon calling the bank, I would be told they can't refund the fees applied. 
2. I have 3 direct deposits : My husband 's employer, my SS and my VA XXXX. I have found that these NSF charges have been applied when the funds have been available or are due for deposit.Truist banking system will show a positive balance and during the course of the day, the positive balance would change to negative balance, causing accounts to be charged overdraft fees. They run all my pending bills into the negative, then charge my direct deposits multiple NSFs consistently. 
3. I have called multiple times and have been told that i have authorized overdraft protection which gives them the right to charge NSFs. However, according to their policies, my accounts should therefore be covered as there is always funds in either one or the other account. 
4. I have spoken to multiple Customer Service Reps since XXXX, only to be told, it is in the bank 's authority to charge the fees. Since XX/XX/22 alone, after continuously calling Truist and leaving messages twice daily, i have still not received any callbacks on this matter. 
I am asking for your help in this matter as i am unable to fight these predatory actions alone. 
Truist 's banking practices have made me suffer great loss and stress, while Truist is pocketing money from these fees. My contact information. XXXX.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

This creditor by the NAME OF XXXX  XXXX bank is STILL violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, I also received a letter in the mail FROM ANOTHER REPORTING COMPANY stating that they are representing XXXX  XXXX bank USING THE SAME ACCOUNT AS THEM and the balance is {$240.00} and XXXX  XXXX bank is reporting that I own {$770.00}, i demand proof from XXXX XXXX bank that I owe that amounT OF {$770.00} I also demand a copy of the contract with my written consent In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX  XXXX BANK within 5 days as listed in the terms of the the consumer book! kind regards!
Consumer complaint received 2022-11-07
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. (CA)

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 XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Consumer complaint received 2022-10-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (TX)

UWM sold my home mortgage to XXXX XXXX XXXX XXXX which will take affect XX/XX/2022. 
I am required because of their business deal to do several things at my expense of time, energy, and effort in order to help UWMXXXX XXXX XXXX XXXX XXXX XXXX their business deal which I had nothing to do with. 
My Mortgage is no where near being in trouble, and yes I can provide proof. XXXX XXXX XXXX bank is requiring me to contact my home insurance company to make XXXX XXXX XXXX the XXXX. This to me is unjustifiable, and I contend not my responsibility as I had nothing to do with their UWM XXXX XXXX XXXX XXXX Bank business deal. 
Further XXXX XXXX XXXX  bank have no branches in my city of XXXX XXXXXXXX XXXX, so I can not fix this my going to see them. I contend that I should not be required to use my time, energy, or efforts to assist UWM and XXXX XXXX XXXX  bank close their deal... 
XXXX XXXX XXXX XXXX bank has promised me a welcome package which has never arrive and I have visited their web site XXXX XXXX XXXX XXXX  several time without any resolution, meaning I can no longer pay my bill online, as I can not open an account with XXXX XXXX XXXX XXXX, and they are not responsive to any of my request. 
Further how is any of this my responsibility? I had/have nothing to do with these XXXX companies selling mortgages to each other, et they require me to waste my time, energy, and efforts to assist them at my expense. 
Further this is my second bad experience with UWM, and what I expect is a bad relationship with XXXX XXXX XXXX XXXX  from the begging... 
I ask for direct relief from being involved with UWMXXXX XXXX XXXX XXXX XXXX XXXX practices. I contend that at best it is unfair to involve me in their business transactions, because they are lazy.
Consumer complaint received 2021-12-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

SYNOPSIS : By correspondence dated XX/XX/2021, LOANCARE  offered me a post-COVID-related loan forbearance Trial Period Plan ( TPP ) as a prelude to a permanent loan modification. This correspondence advised that I had the option of either accepting the offered TPP immediately, or that I had the right to appeal, and that this appeal must be received no later than XX/XX/2021. The letter further advised that I did not have to choose between accepting the first-offered TPP or any TPP offered post-appeal until 30 calendar days after the date of the appeal decision. I chose to appeal LOANCAREs decision not to offer a particular VA loan TPP, this appeal being timely received on XX/XX/2021. By correspondence dated XX/XX/2021, LOANCARE denied my appeal, as well advised that the amount of {$62000.00} was due immediately (! ). On XX/XX/2021, LOANCARE  timely received my acceptance of the first-offered TPP. By correspondence dated XX/XX/2021, LOANCARE did not acknowledge my acceptance of their offer. Rather, they returned the entirety of my correspondence of XX/XX/2021, as well as the {$9300.00} check I proffered in conformity with their first-offered TPP, on the basis that the payment represented less than half of the full amount due ( that is, less than {$31000.00} ). In summary, by refusing to acknowledge my properly-executed acceptance of their offer and the existence of our valid contract, LOANCARE is at a minimum liable for breach of contract, as well as likely violating the Real Estate Settlement Procedures Act, the Fair Credit Reporting Act, the Fair Debt Collections Practices Act, and California and federal prohibitions on unfair, abusive, or deceptive acts or practices. 
NOTE : See attached full recitation of facts and history. 


.
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (FL)

Allied International Cerdit Corp XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX sent me a debt collection letter saying that i owe XXXX {$71.00} i do not have an XXXX XXXX account.
Consumer complaint received 2021-06-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (OH)

Some company named LVNV ( Theyre not even on my credit report ) filed a Lawsuit against me in XXXX of this year with a Lawfirm in Michigan, I live in Ohio. Someone apparently signed my name with COV19 ( I would never sign my name in that manner ) to make the lawsuit legitimate. I only found out about the lawsuit because bankruptcy Attorneys began sending me letters informing me that I was being sued. I never received a complaint. I have no business with this company nor Lawfirm or Attorney.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MD)

I am being sent the pre-approved credit card application multiple times. In this case from JP Morgan Chase. I applied for the card but received a letter that I am denied. At the same time after denial I still got another pre-approved invitation letter from JP Morgan Chase itself. 

This hurts my credit history and my chances of being able to apply successfully for another company. 

Attaching the denial letter and the subsequent pre-approved invitation letter.
Consumer complaint received 2022-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 1st Franklin Financial Corporation (SC)

1st Franklin stated that I received a live check in the mail, I question how did they get my information? I never gave them my information which means they bought my information and used it for their own purpose which identity theft. 

1st Franklin identify as a debt collector under FDCPA 15 United States Code 1692a ( 6 ) and it is against the law for 1st Franklin to state that I the natural person owes a debt which is a violation of 15 United States Code 1692b ( 2 ) of the FDCPA.

1st Franklin states that they may proceed with advanced efforts which could include filing a lawsuit against me. That is a violation of 15 United States Code 1692d ( 1 ) and it is a criminal violation of 18 United States Code 894 a ( 1 ) and ( 2 ). This is a form of blackmail 18 United States Code 873 and this committing a conspiracy against my rights 18 United States Code 241. 

1st Franklin has no authorization to sue. I have a right to refuse to pay until the provide me what I have requested which are books of accounting and contracts where I and 1st Franklin signed, also to provide adequate notices.
Consumer complaint received 2020-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

Unfortunately, my loan was sold to Amerihome Mortgage and its been XXXX ever since. In XX/XX/2017 just 3 months after purchasing the home, I had an accident which landed me out of work for 6 months. I sent modification documents to Amerihome Mortgage 21 times. Each time they confirmed they received the documents and would process. Between 10-30 days later i would receive a letter stating there was a page missing or something else was needed, etc. This went on for months until they filed foreclosure. This forced me to file Chapter XXXX Bankruptcy. Since my plan was confirmed i have made all payments to Amerihome. Unfortunately they have not applied the payments properly thus leaving my account in a perpetual past due status. Bankrutcy code states they are required to apply ongoing payments as if the account was never behind. Statements that are paid in full one month will show an amount that is past due for the next month.
Consumer complaint received 2020-05-06
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. (OH)

Hi, The payment history for students loan are inaccurate as I have not been late. I requested METHOD OF VERIFICATION OF LATE PAYMETS. Without automated response from a e-Oscar system. I would like to know the individuals involved in the investigation that verified the late payments. Here is the information that should presented : Names, Dates, Addresses, Notarized documents, and Phones Numbers. Also, I did not recall these accounts as well. 

Loans : XXXX # XXXX Amount {$24000.00} XXXX # XXXX Amount {$15000.00}
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

As of XX/XX/2022, I attempted to pull my three credit bureaus and all of them have negative information reporting on my reports. I have information that does not belong to me. I have been a victim of identity theft and I had no idea i had this information reflecting on my report. I will be filing a police report regarding all of these negative accounts and I also am submitted via certified mail a copy of these reports to each company with a copy of my license as well as my social security card. Please make a notation on my file about this report. As it is causing me emotionally stress and duress and it is not allowing me to fulfill my daily duties as a mother and a wife. It is causing turmoill in my family.
Consumer complaint received 2022-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IN)

Long story short, I closed my account with US bank in XXXX of 2022. I did receive a check which I tried to use to open a new bank account. XXXX XXXX denied the check saying it was no good and I never received the check or letter they claimed to have sent me back. They said I need to go through US bank to get a new check reissued. I had spoken to someone at US Bank in early XXXX, who checked to see if the check had been cashed and it hadn't. I was told that same day that they had someone looking into it to reissue me a new check. I was on the phone for over 30 min figuring this out. It's 2 months now since I was told I would get a check in the mail within 7-10 business days. I would like a check reissued in the initial amount.
Consumer complaint received 2020-05-06
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: Santander Consumer USA Holdings Inc. (AL)

Santander has been reporting this auto loan to my credit files since XX/XX/2013. It has now been 7 years and I gave the car back to them. But they still reported my account 30 days for the last 7 years. It is supposed to be deleted from my credit report. But they aren't deleting it. They will find some excuse for why its still being reporting.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (CT)

Fortiva credit card reported to the the credit Burals. ( CREDITREPORT ) That my credit card was 30 days over due.thats false! My payments are Due XXXX Of every XXXX. IN XXXX I paid on XX/XX/XXXX XXXX which is earlier then due date. Then This month XX/XX/XXXX XXXX I did as usual made a XXXX $ payment online. ( I have screen shot of payment ) I made two attempts the 2nd try error message said to call and I did waiting for 2 hrs no one helped! Today I made a successful payment.10 days from the XXXX and 18days from the glitch.Than I received notification from XXXX that fortiva reported 30days past due of my payment.! this is false .. My Credit Score Went Down XXXX points. I'm in the middle of buy my frist house and this a very negative thing for me Please help me ..Fortiva Monthly Yearly interest are beyondeven when having a great credit score they cant keep doingthis to people. Please help this account has never been 30days over due and always been in good standing. Fortiva is One of the finance company 's XXXX 's XXXX Uses. I HAVE EVIDENCE OF EVERY payment and every situation I have had.
Consumer complaint received 2022-11-16
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: WELLS FARGO & COMPANY (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX, XXXX, XXXX, WELLS FARGO DEALER SVC ******** XXXX Date Opened : XX/XX/16 Balance : XXXX