davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

I have been a member of chase bank for approximately 15 years or more, when I started my business account there was no monthly fee ; now I am being charged a monthly fee, they are saying my account has less than {$3000.00} at the end of the month, through the month I deposit of approximately {$8000.00} to {$12000.00} a month, it started out initially without any monthly fee but the past year 2 years or so they made a changes I think my account should have been grandfathered and I should not be charged a monthly fee ; think it's unfair by chase squeezing the small business for as much as they can get out of us.
Consumer complaint received 2020-05-21
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I have been affected by the XXXX XXXX. I was sick in XXXX and XXXX. I left messages on their customer service number, but no return calls. I received a notice dated XX/XX/XXXX, that I wa in default and to call them. I called and left several messages for the contact XXXX XXXX, not return calls. I received a Notice of Intent to Foreclose dated XX/XX/XXXX, again I called. I went online and tried to send an notice, but the account kept giving me a message that I had to call customer service. 

I finally reached a person on XX/XX/XXXX at XXXX XXXX, after she provided me with the collection information required by law, I said I wanted to make a partial payment of {$3000.00} and another partial payment of {$2500.00}, by XX/XX/XXXX and then bring the loan current by XX/XX/2020. She argued that I owed more than what I was trying to bring in. She proceeded to tell me that I was sent a notice that my payment went up to $ XXXX a month effective XX/XX/2020, per my escrow analysis statement provided online on my account. I explained that I have no access to anything online and that I never received the notice. She argued and said nope you signed onto online service and that is all we have to give you. I asked to speak with a manager a male came on the line let me speak, then he said no your are in foreclosure and we are not going to accept any partial payment. I decided not to speak with them any further. 

I have been affected by this virus, I am back at work not making any commission, just the base of {$2500.00}, yet this servicer is not trying to help me or work with me. I can't get through to my assigned relationship manager and they won't work with me.
Consumer complaint received 2020-06-23
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: ONLINE Information Services, Inc. (OH)

Online information services has placed a collection account on my credit report without notifying me there is an alleged debt in my name and giving me the opportunity to dispute the debt. I have repeatedly requested validation of this debt and have yet to be provided with such documentation. I have disputed this debt with all three credit reporting agencies as well as contacted the XXXX XXXX XXXX. I am requesting a signed document, something tangible that supports that I, XXXX XXXX entered into a credit contract with this company and or it's affiliates. I have contacted the alleged " original creditor '' XXXX XXXX XXXX XXXX, who states they have no documentation of any outstanding debt with them. I currently have gas service in my name and XXXX XXXX  states that if I had a past due account it would have been synced with my current account and would have been paid. This collection agency has no supporting evidence that I've ever lived at the address this alleged service was provided. This debt was purchased without validating that it was authenticate and then placed it on my credit without attempting to contact me. This has adversely affected my credit rating. I have discussed this matter at length with this collection agency and as of todays date they refuse to remove it from my credit report. I have never received a notice of collection, an intent to place it on my credit report and or any other notice of this debt prior to seeing it on my credit report with a random check.
Consumer complaint received 2023-04-12
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. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I applied for an XXXX credit card a few weeks ago and I was not approved instantly but I didn't think anything of it, now today XX/XX/20 I got a letter in the mail saying that the reason that they could not approve me for their credit card is because there are negative accounts or loans on my credit. I didnt know what accounts they were talking about because none of my loans/credit cards have ever been late or in negative standing. I looked through my credit report and I saw more than ten accounts on my report that are not mine. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I don't know who opened these accounts in my name without my permission but I have already filed a police report. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I ever make any payments towards those accounts. I don't have a contract or relationship with any of the companies I listed.
Consumer complaint received 2020-05-21
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. (CA)

I applied for an XXXX credit card a few weeks ago and I was not approved instantly but I didn't think anything of it, now today XX/XX/20 I got a letter in the mail saying that the reason that they could not approve me for their credit card is because there are negative accounts or loans on my credit. I didnt know what accounts they were talking about because none of my loans/credit cards have ever been late or in negative standing. I looked through my credit report and I saw more than ten accounts on my report that are not mine. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I don't know who opened these accounts in my name without my permission but I have already filed a police report. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I ever make any payments towards those accounts. I don't have a contract or relationship with any of the companies I listed.
Consumer complaint received 2023-02-23
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY ()

I have contacted your office in the past and have also spoke to you recently as regards to a long outstanding case with Wells Fargo Bank. 

I have been in contact with Wells Fargo on a number of occasions since XXXX as regards to my property that went in to Foreclosure and was sold without my knowledge on XX/XX/XXXX. 

Over the months I have tried calling Wells Fargo, but was put through a number of different departments where no one could help me. 

I was told months before the Foreclosure that a modification plan could save the property. As a XXXX resident at the time the modification was set supposed to have been set up I was in the XXXX undergoing XXXX XXXX and could not travel. Wells Fargo requested that I faxed through to them the documents required for the modification and the documents was faxed through to them on a number of occasions of which I spent nearly {$200.00} on faxing the documents they had requested and have proof of confirmation or acknowledgement receipts. 
The final documents they requested I faxed through and also had the confirmation receipt. 

I waited four weeks to hear from, but heard nothing within that period, so I decided to call them and to my horror I was told by Wells Fargo that they did not received the last set of documents I had faxed through ( strange, as all documents faxed through to them before, they had received ) and again to my horror they told me that the property was sold sometime ago. 
So during the weeks of faxing the documents through to them to start the modification process, they had lied to me and deceived me in to thinking that I had a chance in securing the property, when unknown to me they had sold the property and made a profit. 

I hope you can look favourably on my case, as justice needs to be done to protect vulnerable people from these commercial giants. 

I have lost all my furniture and belongings that was in the house at the time they sold it, and now I have nothing, because of the injustice I have suffered at the hands of Wells Fargo. 

I have tried to contact them on several occasions, but was told they can not find my files or any details about me. I sincerely hope justice will be done and wait to hear from your office. 

( This letter was sent via mail on XX/XX/XXXX, but I was told by your office that it was never received ).
Consumer complaint received 2020-05-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I had mobile deposited a check I received from my job as a bonus to my Citibank account. The next day I went to check the status of it clearing and I was unable to get into my account. I called and was able to access the app and look into my account. That same day I used my debit card to make a few purchases which all went through. The following day I was unable to access my account again. I called customer service and was notified that my account was on hold to close and my debit card as well as the money now in my account would be inaccessible until an investigation was done which could take up to 30-60 days. I was given no email or phone call prior to this happening and was also given no explanation as to why my account was on hold. Everything is frozen now and I cant access anything with my account and I really needed that money to be able to get an apartment as well as for XXXX  gifts for my family. This is not the first time Citibank has done this to me and all I want is my money out of the account and the account closed and I will never use Citibank again. Please any help you could give towards this goal would be greatly appreciated.
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I was scammed out of {$170.00} from Wells Fargo Checking but I sent the payment unknowingly being scammed through XXXX. I contacted them immediately trying to get my money back as I was scammed and Wells Fargo is refusing to do so. This is ridiculous as a consumer they wont give my money back knowing I was scammed.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

Back in XXXX the XXXX 2021, I XXXX  my sister money from my saving account total transference was {$1000.00}. my sister changes her phone number which was my mistake I did not update her number on my bank account.. I did contact the bank right away on the same day realizing my mistake the bank told me will stop the payment to go thru. but days and weeks pass and they haven't been able to get that money back or to provide me with where the money is. my sister never got the money. now these {$1000.00} are lost who knows where or which account I am been trying so hard went to the police to make a report they can not do a report because there is no crime. I have gone to the branch for help but no answer. I am running out of options can not hire a lawyer is way too expensive please adviced me on what can I do to recover this money.
Consumer complaint received 2020-06-23
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: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I have had just open a. Accounts with coinbase and a new phone service with XXXX my SIM CARD was access and my phone was no longer in working condition to make calls or receive texts when I complain to coinbase they said theres nothing they can do to return my money after weeks of having to email them over and over again they only gave a ticket number which is # XXXX, I had over XXXX $ and theyre not giving it back
Consumer complaint received 2021-02-11
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: LEXISNEXIS (NE)

I have great credit history. Lexis Nexis computes a insurance score and credit score. The score is inaccurate and they don't disclose the findings or how they calculate. They make a score that costs consumers additional money and expense.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may Concern I check My Credit and I see That Child Support Has Me Negative on my credit I have proof that its paid in full, Attached with this form will be receipt of full Payment of XXXX I Called The Child Support Enforcement Center, They told me that they would correct the Mistake .... 
well that never Happen, so I'm making this report to help me resolve this matter I only want to do right, if I paid my full balance and have proof why this is not showing on my report that this Account is paid in ful
Consumer complaint received 2020-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have attached a copy of my recent invoice of my capital one Visa Signature card. The first page has a total charge of {$7.00} for this billing cycle. The second page has an interest charge {$3.00}. That means ( $ XXXX {$3.00} ) {$4.00} is the charge for this billing period which was carried over from XXXX. 

What has happened? 

In XXXX, I disputed few charges and since the dispute was under investigation, I did not pay them. However, Capital one did not stop charging me interest. Disputes were resolved in my favor. Capital one did not update my account. Capital one continued charging me interest. I have written to few people at Capital One explaining the matter but ended up without any response or help. 
In XXXX, I have submitted a complaint to US Consumer Financial Protection Bureau ( CFPB ) Due to CFPBs interference, Capital One removed some interest, but not this {$4.00} which ended up in {$7.00} today. 

So, I am writing to you, to help me. I have tried to resolve it> I wrote to XXXX XXXX but no response. I tried to close the account, they did not respond. 
. 
I Have closed all other accounts with this improper business. I do not owe them any money.
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (MI)

YESTERDAY I SUBMITTED A REPORT WITH YOU GUYS REGARDING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT AND I HAVE YET TO HEAR BACK FROM ANY OF THE BUREAUS REGARDING THESE CIRCUMSTANCES.ALL OF THE DOCUMENTATION WAS SENT TO THEM. BELOW IS ANOTHER ACCOUNT THAT I FORGOT TO INCLUDE IN MY LAST REPORT. 

XXXX XXXX XXXX opened XX/XX/2020 {$620.00}
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 I may my final payment of {$00.00} and I request that my account type platinum card # XXXX be closed and show pay in full with a zero balance in good faith. The teller said that he could not close my account to call Well Fargo 800 number. I am still getting the runaround. See document from Well Fargo not stating that I have a zero balance in good faith.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group (GA)

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 
{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

YESTERDAY I SUBMITTED A REPORT WITH YOU GUYS REGARDING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT AND I HAVE YET TO HEAR BACK FROM ANY OF THE BUREAUS REGARDING THESE CIRCUMSTANCES.ALL OF THE DOCUMENTATION WAS SENT TO THEM. BELOW IS ANOTHER ACCOUNT THAT I FORGOT TO INCLUDE IN MY LAST REPORT. 

XXXX XXXX XXXX opened XX/XX/2020 {$620.00}
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I have been working with ALL three major credit bureaus for the past 2 months ; trying to get my accounts correctly updated with a simple name change. I have discussed this change over the phone with EVERYONE, e-mailed, mailed, wasted money mailing CERTIFIED and even drove 150 miles round trip to XXXX Bank in XXXX, Alabama with ALL ... and I repeat ALL the information to complete my name change ; hoping someone will get it RIGHT!!!!!! ( XXXX XXXX did not have a problem correctly updating my account in a very prompt and professional manner. ) But unfortunately, I know that it is an impossible task for company employee representatives in today 's society to do their job appropriately and timely. I have finally given up trying to communicate to these illiterate, incompetent idiots that have no clue what great customer service ethics are. My credit score has been between XXXX - XXXX for the past 3 years ( See attached documents from XXXX and XXXX verifying this information ). Today I received an unexplained Vantage Score of XXXX from XXXX ( that was posted on my XXXX XXXX website ) stating that my score had dropped XXXX points. I am retaining a lawyer and filing suit against their grossly inaccurate credit reporting practices and failure to correctly investigate my disputes.