davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB (OH)

XXXX XXXX XXXX disputes the debt because he made his contractual obligation to pay this account in full prior to the expiration date of a sales promotion based on information from your representative. XXXX XXXX XXXX overnighted the payment as instructed. KLARNA INC is attempting to extort additional fees and interest based on {$25.00} which they claim he was short in his payment ; however, the payment amount was verified by a representative and through no fault of Mr. XXXX he paid the amount instructed that was owed. 

Purchased electric scooter online. Financed with Klarna Inc XXXX. XXXX XXXX XXXX, OH XXXX 12 months same as cash. Account # XXXX Product was paid in full and company is now demanding interest and late fees for payment that was made. 

Four ( 4 ) Fair Debt Collection Letters have been sent and no response or verification of the debt by any of the parties. 

They continue to harass and send letters. All letters were sent by certified mail and verification they were received. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (IL)

I successfully opened an account online with TD Bank in the US on XX/XX/2021. I then successfully deposited over {$5000.00} online over the course of XXXX weeks but a few days later I was unable to login to my account online. When I contacted XXXXXXXX XXXX customer service to unlock my account, I was told that the account has been frozen pending identity verification and that I would need to visit a branch to confirm my identity in-person before they can unfreeze the account. However, due to the pandemic, I am unable to go to the branch as I am taking care of an elderly parent in XXXX where there are XXXX branches for XXXX. I contacted XXXX customer service XXXX times and I was escalated multiple times too but XXXX  is not willing to unfreeze my account. I offered to send multiple identification documents ( passport, SSN card, DL, and bills ) by email or fax to XXXX but all my efforts were rejected. They are also refusing to close my account and refusing to release any funds. This is absolutely an anti-customer approach during a global pandemic and I am very disappointed and regretful for opening this account and depositing thousands of dollars that are now held captive by XXXX.
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: iReverse Home Loans, Corporation (WA)

This is not about applying for a mortgage this is about illegal advertising ( in my opinion ) I'm a XXXX and XXXX of my Listing Clients received a letter that implied that I was mailing them a letter. My name, My company and their MLS number was listed as the return address. It made it appear like I was mailing my client a letter. Within the envelope was his marketing letter which actually mentioned that I was possibly involved in a " conflict of interest '' if I was referring a preferred lender. 

I'm very upset and disgusted that he's using my name to get to my clients and it leaves me wondering how many other listing agents are not aware of his advertising practices. 

In the fine print at the bottom he does say that this info is not from your XXXX - this means nothing my clients already thought the letter was from me using me as the return address. I'm disgusted by this type of bait and switch advertising.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CO)

BAM Trading Partners , Inc. dba Binance.US has locked my account for a chargeback for over 10 days now. I have filed 3 different tickets with their system. In each ticket I described that I can not deposit, withdraw money or tokens, or perform trades on the exchange. They requested that I submit a video with my ID and bank statement information which I did. 
Ticket numbers : XXXX, XXXX, and XXXX After 5 days a customer service rep reached out on one of my tickets ( XXXX ) to tell me that I needed to bring the balance on the account positive after the chargeback. I replied " I know, but you haven't enabled deposits on my account so how am I supposed to do that? '' She " escalated '' my issue but I haven't heard anything since despite reaching out again this morning. 

There is no telephone number and I have attempted to reach out to parties that are employees etc. on XXXX, including the @ binanceUShelp to no avail. Nobody bothers to respond there. 

I currently have more than {$50000.00} tied up on this exchange and no way to secure my assets at all. This is the worst customer service I have ever experienced from a financial institution.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc. (MD)

I purchased {$2600.00} worth of Google Play gift cards ( {$600.00} from XXXX, {$2000.00} from XXXX ) on XX/XX/2021, unfortunately, at a request of a scammer who claimed to be my friend involved in a situation of a death due to XXXX XXXX I soon contacted Google support team who successfully blocked the gift cards, which means the gift cards are of no value. 

However, I'm not able to get refunded for the gift cards, as I was quoted with the nonrefundable gift card policy for Google Play gift cards. I would like to seek a fair treatment in this situation as my financial loss can be mended by Google out of consideration of the situation. Please help.
Consumer complaint received 2021-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Higher Education Servicing Corporation, Inc. (NM)

I was under the impression that due to the COVID relief act that student loan repayment was on hold until XX/XX/2021. My servicer has been trying to collect and also charging me late fees.
Consumer complaint received 2021-04-12
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. (TN)

In 2016 I was involved in an auto accident caused by a third party. The third party had insurance that covered the cost of the replacement of my car as well as my medical bills. This bill is from that accident and I was not found responsible for this debt.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MA)

I tried logging into my online account with Chime XX/XX/2021 and got a message that my account was closed. I checked my email and found an email stating my account was closed and no further information was available. I have no idea why they chose to close my account they stated that I violated their agreement. My direct deposit from work also was set up with this account. I notified my job and they are going to help issue a paper check next payday. I have approximately {$500.00} in my account. I had 2 accounts linked together with them. Savings and a credit builder account. Both had a balance but I'm am not sure the exact amounts.
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-01-17
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. (CA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX )
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I have tried for the past two weeks to obtain the necessary paperwork to submit for a 12-month forbearance of my mortgage. After the past year where I was virtually shut out of business related from the Covid-19 pandemic, and the fact that I was ill a very long time from my own case of Covid-19, as well as a major personal problem, I could not make mortgage payments for a very long time. That time has passed and I am now back to work full time. I respectfully request the necessary paperwork to submit on behalf of my past hardship, and make arrangements to start making mortgage payments again. 

XXXX XXXX
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I had issues with mortgage since it was sold in XXXX. Filed complaint against XXXX XXXX  for not notifying me of transfer. I was finally notified of transfer XX/XX/21 by PHH. ( Mind you payment is due XX/XX/21 ). I then recieve XXXX and XXXX 's payment in same statement on XX/XX/21. Which is also marked as received 26 days late on my account. ( no late charge issued ). Have Called them multiple times for a statement just for XXXX and am told they can not generate a statement for just XXXX. Was told by PHH to just pay XXXX statement and we will send statement for XXXX. Now since then PHH Mortgage refuses to send me statement for what is owed that month. It is XX/XX/21 and received statement today due for XX/XX/21. ( After 3 repeated calls to send me a statement to pay bill. ) which has XXXX and mays due on XX/XX/21. I have had repeated calls that turn into shouting matches. I have been assured by PHH management that my bill will be straightened out and that has not happened. I think they are up to something because I have never dealt with anything like this or it is a sick game. I have a great payment history and am never late with bills. This is very aggravating and need to know what can be done about this because I get nowhere with my situation. And would like to know my options. Please get back to me.
Consumer complaint received 2021-10-06
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. (OH)

Credit reporting agencies show medical debit on my credit report. Medical debit reported on XX/XX/2021 and reported on credit report. 
180 day rule violation. Credit reporting agencies are required not to report medical debits no less then 180 days so that consumers can resolve the debt.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I purchased HVAC systems for {$3300.00} from XXXX XXXX XXXX XXXX on XX/XX/XXXX. During the next few months, I reported malfunction and multiple issues to the vendor but they refused to allow me to return items and issue a refund. I was forced to report to credit card companies : JPMorgan Chase on XX/XX/XXXX for {$3000.00} charged on United Visa card and to XXXX on XX/XX/XXXX for {$310.00} charged to a XXXX Credit Card. After XXXX XXXX full investigation, they resolved the dispute and issued {$310.00} credit on XX/XX/XXXX. JPMorgan Chase continued to deny the dispute after we presented them with a professional inspection and testing report that shows the HVAC systems made by XXXX XXXX XXXX XXXX  do not meet standard heating requirements. We also provided the return tracking and bill of lading that shows the defective HVAC systems were returned and accepted by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, we faxed all supporting documents to JPMorgan Chase United Credit Card dispute department, and on XX/XX/XXXX, a dispute supervisor in their Texas office informed me that JPMorgan Chase continues to deny the dispute and refuses to issue {$3000.00} credit for the returned and defected HVAC  systems. That left me no other choice but to find protection with Consumer Financial Protection Bureau.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I.C systems Inc report a fraudulent account to my credit report that doesnt belong to me. I asked this company to provide me a contract I signed and agreed to and also a copy of my identification and proof that they have the right person and they refused to. I never had services at XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I would like for consumer financial bureau to investigate this company for this fraudulent actions and fraudulent made up accounts. This company refused to contact XXXX on three way verification call because they know this account does not belong to me. I will get an attorney for them.if its not cleared out and removed from my credit report
Consumer complaint received 2021-04-12
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. (FL)

THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME AND THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THESE INQUIRIES WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THEY PREVENTING ME FROM ACQUIRING NEW CREDIT AND I WOULD LIKE TO HAVE THEM REMOVE.
Consumer complaint received 2021-04-12
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)

Its my second attempt to ask for your help as I have fake accounts in my profile. I do not know these accounts and I do not recognize them They are not mine. Please delete them finally otherwise I will keep writing to you every month as I can not move on in my life financially. Its killing my plans
Consumer complaint received 2023-02-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (SC)

Ability Recovery Services has a collection on my acct for an XXXX XXXX for XXXX XXXX. I have not applied for this school in over 8 years. No payment was made on this particular acct. I have went to this school twice before. Once as a minor and once as an adult and all fees were paid in full and has been off my credit report for a few years. Then another acct comes up with me owing them {$1400.00} which I feel was a mistake on their behalf. I have not been a student of this school in I know over 8 years. I have asked serval times for proof of this acct. None given to me. No one would just apply for a school in someone else name with no benefit to them. I think the company has applied someone else debt to me by mistake.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am unable to get the report from XXXX and Transunion. 
This is the error I get when I perform the steps to get the Transunion report. 

We are unable to confirm your identity. The identity security system confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. 

I called Transunion multiple times and have been transferred from one department to other like Main number, Consumer interactive, Special handling department and online support team but no luck. 

Here are the numbers I called in the past few days. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

I received a letter ( Dated XX/XX/XXXX ) from National Credit Systems out of XXXX XX/XX/XXXX about an alledged debt I owed to XXXX XXXX XXXX. I respoded with a certified letter on XX/XX/XXXX disputing the debt, I asked them for proof of the debt, and I also asked them for information about their company ( are they a licensed debt collector, do they have a license to collect debts in the state of XX/XX/XXXX and if not what state are the licensed in and what authority do they have to collect in the State of XX/XX/XXXX) To this date they have not answered my requests for information about their company. They have proceeded to make multiple calls to me ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) even after the first phone call I informed them I would talk to them only once every 30 days and that I am requesting any correspondence be in writing. I have now sent 4 certified letters to their company requesting the information and they have not answered my request for company information. I have disputed the debt with every letter they have sent me and I have informed them I will not provide any information until I know they are a licensed collector authorized to collect in the state of XX/XX/XXXX They have refused to provide this information and have now reported to the credit bureaus, even though this is in dispute.
Consumer complaint received 2021-04-02
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is a formal complaint against Capital One located in XXXX, Virginia. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-04-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I recently challenged the validity of XXXX XXXX # XXXX {$2800.00} XXXX XXXX  {$2900.00} XXXX XXXX XXXX XXXX XXXX  {$440.00} # XXXX. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of the ability to properly verify all reported information being accurate. I noticed as a resulting of challenging the accounts with Experian credit bureau the agency verified the same accounts. We agree Experian is in violation of FCRA and my consumer rights is 1,000 per violation. 
We also agree with the cogent observation by the fifth circuit that the plain language of the statute places the burden of re- investigation on the consumer reporting agency. See Stevenson, 987 F.2d at293. the FCRA evinces congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the Collection and dissemination of credit information. the " grave responsibility, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.