davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

XX/XX/2012 I was in an accident which required me to have stitches, prior to being admitted I provided my Medical Insurance that I had with the state. I was told that everything should be covered by my insurance. The nurse glued the wound shut and discharged me within hours. 

I've tried to communicate with Grant & Weber since I saw this on my report and have been unsuccessful. I've contacted them 13 times over the last two years to have this taken care of, but Grant & Weber has been unresponsive.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX the XXXX XXXX XXXX closed my credit card account, and reopened the account after my request. After the account be reopened the bank never corrected the information that the account is closed by the credit guarantor. As of today, XX/XX/XXXX, the credit agencies, XXXX, XXXX and Transunion keep the information that the account is closed at the request of the credit guarantor and since XX/XX/XXXX, the XXXXXXXX XXXX XXXX  no longer updates my report of credit. After opening a dispute with the 3 main agencies ( Transunion, XXXX and XXXX  ) the closed account information was left unchanged because the XXXX XXXXXXXX XXXX  stated is accurate.
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Servicer - Select Portfolio Servicing loan Number XXXX I only borrowed XXXX according to my mortgage. The bank says I owe them XXXX. I made payments for at least 10 years. I asked for my entire payment history and they said they can only go back 2-3 years. I am trying to determine why the balance is so high. they refuse to send me my entire payment history and explain why the balance is so high. 

Now the servicer tells me I do not qualify for a short sale or a loan modification. 

now SPS is foreclosing on the home. I was in a XXXX protected area and they still proceeded with the foreclosure and SPS never explained why or provided the entire payment history as to why the balance was so high. 


SPS failure to provide document copies to me regarding fees that are grossly inflating balance owing on mortgage as well as SPS failing to give consideration to the Short sale offer presented and rather stating it was in review for 3 weeks. Their Ombudsman Dept gave us conflicting information in XXXX separate conversations ; first Ombudsman stated prior to the sheriff sale date that I was ineligible for short sale consideration as I needed at minimum 37 days prior to a sheriffs sale to be reviewed and now I had only a week. Second Ombudsman post sheriff sale said that a short sale will not be given consideration because the sheriffs sale occurred and if I had actually provided the short sale offer even days prior to the sheriff sale it would have been considered. 

I provided several offer months prior to a sale date and also provided an offer a week before the sale date. If what I was told by the ombudsman department was true I did qualify for a short sale before the sale occurred. also when searching the legal news they did not advertise properly and went forward with the sale even though I was in a protected area by XXXX not to go to sale Can some Please assist me with this matter Thank You XXXX XXXX
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Checking over my report today and I noticed some unusual activity once I notice this unusual activity I created a FTC report and I contacted the creditors multiple times they never provided me any information at all!!!!!! Inaccurate items on report should be removed the dates, and amounts dont add up either. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries I do not notice XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I refinanced my mortgage that was held with Bank of America and closed on XX/XX/2020. Bank of America received the funds to close my mortgage on XX/XX/2020. Per 12CFR1024.34 ( b ) ( 1 ) Bank of America must issue a payment to refund my escrow account balance within 20 business days excluding holidays. As on XX/XX/2020 I have not received payment for my remaining escrow balance and Bank of America is in violation of 12CFR1024.34 ( b ) ( 1 ). 

I have tried to contact Bank of America about the issue but the customer service line places me on hold for multiple hours and when I have been able to get in contact with a representative they were unable to resolve my issue.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

In XXXX, I was a victim of fraud. A check was deposited into my USAA bank checking account that was under the name of " XXXX XXXX '' that I did not authorize. I worked extensively with USAA bank to resolve this issue and stressed that I was a victim of fraud. I was informed via postal mail that USAA due to difficulty in their banking relationship with me will no longer be able to provide services to me. I spoke to a representative today XX/XX/XXXX in the banking department by the name of XXXX who stated that the letter sent to me via postal mail on XX/XX/XXXX is not something that can be reversed once the bank sends out the letter. As a victim of fraud, I am being penalized by USAA for not being able to open an account or even have auto insurance even though I am a " member '' but not member enough to be able to have services. I am ostracized by an organization that is meant to help veteran families and for an episode that was not my fault. I have never had any issues with USAA regarding auto insurance or banking issues. I was banking with them previously from XXXX until XXXX and they left me as a XXXX  mother without insurance due to me being a victim of fraud.
Consumer complaint received 2022-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings (CA)

n accordance with the Fair Credit Reporting act AD ASTRA RECOVERY SERVICES Acct # 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 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

I made a purchase of {$260.00} on XX/XX/XXXX. I made payments of {$160.00} on XX/XX/XXXX and {$260.00} on XX/XX/XXXX. The minimum payment was {$140.00}. The closing date was XX/XX/XXXX ( please see attached statement ). That statement ( XX/XX/XXXX ) shows that I had an outstanding purchase balance of {$230.00} on XX/XX/XXXX. I have enclosed the previous months statement to show that there were NO other purchases prior to the one on XX/XX/XXXX. 
However, when I got the XXXX statement, it shows that I still have a purchase balance of {$210.00}. I have a promotional balance (@XXXX ) in XXXX of {$6900.00}. In XXXX, the promotional balance was {$7200.00} - a difference of {$380.00}. 

Apparently, the payment ( above the minimum payment required by Chase ) I thought would be applied to the purchase (@ 21.49 % ) was applied to the promotional balance first. It is my understanding that once the minimum payment has been met, payments in excess of the minimum would be applied to the highest interest rate balance first. This is not the first time that Chase has skirted US Financial Law to turn a larger profit. I need help in rectifying this problem, because my logic fell on deaf ears at Chase. Thank you in advance for your assistance. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-08-20
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. (AZ)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX, IL XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX XXXX* Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX*** Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

CAPITAL ONE XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

CAP1/XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I opened an American Express ( " Amex '' ) Platinum personal charge card on XX/XX/XXXX with a welcome offer of XXXX Membership Rewards ( " MR '' ) points after a total of {$5000.00} eligible spending within the first 3 months and card opening. I have not received the MR bonus even after eight weeks of completing the spending requirement. Then I reached  to Amex via online chat for help and they started an investigation on the case. I was then informed that one charge on XX/XX/XXXX in the amount of {$3000.00} from a third-party rent payment service named " XXXX '' was considered by Amex as " ineligible '' because Amex believes it falls into the category of " person-to-person payments '', which is excluded from eligible spending as in the offer terms. However, this is a service I paid for my apartment 's rent, and is paid to a company ( neither XXXX nor the ultimate recipient of the payment is a " person '' ; they are both companies ). Amex can not arbitrarily interpret this charge as a " person-to-person payment '' and not honor the offer terms of XXXX Membership Rewards points. 

I am attaching the full offer terms ( pdf ) and my card activities from XX/XX/XXXX to XX/XX/XXXX ( XXXX  spreadsheet ) downloaded from Amex 's website to the case. In the activities spreadsheet, I added three columns ( I, J, and K ) to add additional information and comments, and to demonstrate that the spending exceeded the {$5000.00} threshold for the welcome offer. It is for CFPB and Amex 's reference purposes.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 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 2021-09-15
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. (NJ)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2012 with an amount of {$39000.00}
Consumer complaint received 2019-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I spoke with than bank in regards to a late payment reflecting on my credit report. I have had this account for years always paid on time and this particular month I was not able to make payment online do to technical error. unfortunate the payment was reported late after speaking to a representative i was told this would be updated as on time payment with the credit bureau and that never occurred. i tried disputing the late payment with the credit reporting agencies and it kept coming back as verified however i do not believe anything was ever done. i requested to see proof and nothing is ever provided. i am requesting that my report get updated asap to reflect on late payments as the creditor agreed to over the phone back in XX/XX/2018.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (DE)

On XX/XX/2023 at XXXX I got a notification from my bank account Chime, that the email address, phone number, and password associated with my online bank account has been changed. 
Following those changes being made there were four separate unauthorized transactions : 1. XXXX - {$1000.00} transferred to " XXXX XXXX ''. 
2. XXXX {$1000.00} transferred to " XXXX XXXX ''. 
3. XXXX {$270.00} transferred to " XXXX XXXX XXXX '' 4. 5:XXXX- {$1000.00} transferred to " XXXX XXXX ''. 
for a total of {$3200.00}. 

The phone number linked to my account was changed two times : XXXX was changed to ( XXXX ) XXXX XXXX was changed to ( XXXX ) - XXXX XXXX. 

I called the bank and reported it as fraudulent activity around XXXX when I got off work, they started an investigation and stated that I would receive a credit, which I never received. 
I got notice on XX/XX/2023 stating that my claim was denied due to not being able to prove that any fraudulent transactions were completed, even though I provided information stating that I never authorized any of my information to be changed, or any of the four transactions to be authorized.
Consumer complaint received 2020-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TN)

I sold a guitar and issued an invoice through PayPal, which was promptly paid by the client. What PayPal didn't tell me was how their fee structure worked at any point during the invoicing process. I figured I would get some kind of breakdown if any fees were to be involved. I'm sure it was buried in the terms and conditions somewhere. I issue and invoice for {$1800.00} and boom, {$79.00} in fees. I'm somewhat upset, but I can deal with it. PayPal stated up front that it would take up to 21 days for my funds to be available, unless I provided them with tracking information. Upon XXXX delivery I'm supposed to get my funds within 1 day. I don't know about PayPal world, but on planet Earth, 1 day = 24 hours. 24 hours after confirmed delivery by XXXX  and my funds are still on hold. No humans to talk to on the robot phone line. Sitting in an online support chat window that states " The estimated response time is a few hours. '' I'm sitting here wondering, what the heck did I pay {$79.00} for? There's no service available to respond to what feels like a real issue. The federal government sent me a check for {$2900.00} in stimulus money for having three pulses in the house, but I can't get PayPal to deposit money in my bank account for doing ACTUAL WORK. Other consumers need to be aware ... I'm sure PayPal is busy figuring out how to scrape the maximum amount of interest off of an interest free loan from an ordinary consumer.
Consumer complaint received 2019-03-22
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. (ND)

XXXX and Transunion are incorrectly reporting me 120 days on the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX ( pages 4 - 8 on the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on accounts with a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2020-10-07
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. (MA)

Good evening, and how are you? This is going on for almost 90 days and i haven't received any responses from my previous disputes about this XXXX XXXX. This account was actually deleted or removed from XXXX  and Equifax due to several violations on reporting but equifax continues to ignore my request for deletion. It's illegally re-aging my account because it's reporting incomplete, unverifiable, and inaccurate information. There is no way that this could've been verified or looked into. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information
about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-03-31
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. (FL)

I recently check my credit from XXXX and I notice a few fraudulent accounts on my credit report. I don't normal check my credit but I was at shocked when I saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, I believe I was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and I was told to get an FTC report.
Consumer complaint received 2019-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (TX)

On XX/XX/2019, Discover Card issued me a XXXX and still reporting full balance for the debt. It is for the amount of {$5400.00} Disputed through 3 credit reporting agency 's and came back verified. 

According to IRS, when a debtor issue a XXXX, it means " Cancellation of debt '' therefore, balance should be {$0.00} on credit reporting 's. 

See the case of " XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, No. XXXX ''