davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
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: JPMORGAN CHASE & CO. (NY)

please review these accounts that appear on my credit report, without any authorization, do not belong to me, and are hurting me. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-12-11
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: Experian Information Solutions Inc. (IL)

I have a Fed Student loan that is serviced by XXXX I was a good payor and then due to employment reasons went into forbearance for 3 months - I waited too long to contact XXXX to extend the forbearance and they reported I was late with payment. Because I did not consolidate the student loans there were 8 separate loans all listed as late. Because of this my credit score plummeted and now I am unable to get an apartment car lease or anything else. Help. Why should my life be ruined because of one late payment. Thats all it was was one late payment that has even affected my employment. Please help me as I am hopeless at this point.
Consumer complaint received 2020-12-11
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: EQUIFAX, INC. (IL)

I have a Fed Student loan that is serviced by XXXX I was a good payor and then due to employment reasons went into forbearance for 3 months - I waited too long to contact XXXX to extend the forbearance and they reported I was late with payment. Because I did not consolidate the student loans there were 8 separate loans all listed as late. Because of this my credit score plummeted and now I am unable to get an apartment car lease or anything else. Help. Why should my life be ruined because of one late payment. Thats all it was was one late payment that has even affected my employment. Please help me as I am hopeless at this point.
Consumer complaint received 2022-05-02
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX, XXXX XXXX  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 2020-12-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Long & Foster Financial Services, Inc. (NE)

On XX/XX/2020 my mortgage was sold from Prosperity Home Mortgage to XXXX XXXX. PHM never informed me of the sale by mail, email or telephone. Due to this, I made my first payment on XX/XX/XXXX using PHM 's online payment service. On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX dated XXXX XXXX, 2020 stating that my mortgage had been sold and my payments effective XX/XX/XXXX were due to them. I immediately called PHM on the XXXX of XXXX and was assured that my payment was being transferred to XXXX XXXX. As of the time of my writing this on XX/XX/XXXX, the payment has still not been sent to XXXX XXXX. I have contacted PHM on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I have been told they will look up my issue and get back to me with an update. They have not once followed up with an update despite taking down my phone number and email during each call. If I had been properly notified of this mortgage sale by Prosperity Home Mortgage I would be in this situation and would've made the payment on time to XXXX XXXX.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

XXXX took money from my business TD bank account, I informed TDBank that XXXX. Com was taking money from my account but was not paying on my trip from XXXX XXXX to XXXX XXXX XXXX weekend 2020 Td bank refunded the money but late recouped it back and said XXXX had the right to take my money and not refunded me, I informed TD bank XXXX. XXXX is a fraud Company and is under investigation by the Attorney general of Florida and Massachusetts
Consumer complaint received 2022-03-11
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. (PA)

Hi, my XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my indentity to the identity theft affidavit. Please remove these items as soon as possible.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX reporting me late on XX/XX/20, XX/XX/20, XX/XX/20. Due to the unforeseen events surround the Covid 19 pandemic I was severely financially impacted. My employer made the decision to cut my hours and it affected my pay. I have had an account with you for a very long and ask that you remove these lates. Under the federal mandate and CARE act you are not allowed to file late notations on credit during this pandemic. You keep verifying these but you are in violation. These needs to be removed. Thank you.
Consumer complaint received 2021-09-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

on XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is TRANSWORLD SYSTEMS I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : TRANSWORLD SYSTEMS I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX opened XX/XX/XXXX XXXX FOR {$0.00} XXXX 
LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 

TRANSWORLD SYSTEM HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE. 
XXXX XXXX XXXX HAS FILED BANKRUPTCY AND THE CFPB HAS ENFORCED ACTIONS TAKEN AGAINST TRANSWORLD SYSTEM AND XXXX XXXX SEE COURT CASE CONSUMER FINANCIAL PROTECTION BUREAU VS NATIONAL COLLEGIATE TRUST SEE COURT CASE TRANSWORLD SYSTEMS INC 2017-CFPB-0018
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I contacted XXXX XXXX, my old apartment complex because they said Me and my husband owed a ton of money when we moved out. I contacted them and they took off quite a bit with the proof of documentation I had. I sent quite a few certified mail letters and emails and they wouldnt responded. I tried very hard because I had paperwork from them supporting that I owed no money and I did everything correctly when I moved out. They would never respond to me and I couldnt do anything about it. I never received anything about this going to collections. I have leases and documents since the time I moved in 5 years ago to prove everything but they r not willing to look at anything. Also they recently switched management and dont have a lot of the older documents. They are XXXX who were horrible and I felt constantly endangered for my life because they did nothing to protect anyone. I always felt scared and unsafe.
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I have been in business with Chase for a long time and never had an issue with the payment on credit cards. One they they decided to reduce my credit and closed my business credit account. I called them and talked to them about it. They explained that they were reducing my credit because of my debt ratio. I explained that if your going to charge me for all of my mortgages should should add the rental income to the mix. They refused. At the time my credit score was over XXXX. When they closed my business account my balance was XXXX. A few months later they said I didn't pay a bill on the business account for some interest that was added after they closed the account. I explained that they closed the account and that I was never notified I owed the money. No statement was received, no phone calls nothing. They issued a late payment to my credit and it has put my credit down 50+ points. I called them and paid the bill but still my credit was damaged. If you check I have been with them for years and I can not remember ever being late. They will not take the late payment charge off my credit report and they treat a long time member with no respect.
Consumer complaint received 2024-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

After receiving my SSI benefits XXXX  my id bank account I was informed out the XXXX  XXXX my account was closed and id be receiving a closure notice and if my XXXX check came it be rejected back to social security XXXX In between. XXXX - XXXX XXXX I've recieved dispute resolution letters. Us bank csr also told me ask ssa to transfer my $ or ask for paper check The XXXX XXXX I get a notification my deposit had posted to the account .so I call us bank only to be told now my money is on hold due to fraud no one will give me any info in writing or by phone as XXXX my money is held. I was advised to go into branch but have no $ to get there also told them I was without food or money for my XXXX XXXX  due to them holding my SSI check unjustly .everytime I called was told something diferent after they. Got my check that I was told would be rejected.. So I called them back. And ask y they had it then they said account was pending closure after I was told was already closed, even no longer had access to my online banking due to it being closed now all of a sudden it's pending. I have no means of paying rent or request social security. Reissue check due to us bank won't provide documentation my account is closed
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My unemployment bank of america pre paid card has been frozen for " suspected fraud '' since XX/XX/20 and I currently have a frozen balance of almost {$800.00} i can't access. After contacting XXXX and their fraud department numerous times since it's been frozen, I was notified that there was no form of fraud on my account that was detected and also sent XXXX my identification ( ID, passport ) along with SS card. Bank of America has been absolutely no help either. it's been nothing but a blaming game between both parties and I can't get any strait answers from them. Bank of america has all of my information verified from XXXX but STILL will not release my account. I have a total of {$1500.00} in weekly benefits from XXXX that bank of america kicked back because of this mistake and I don't know what else to do. I am in dryer need of my benefits. Can you please help?
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (CO)

closing disclosure indicated loan would fund on XXXX. Per my conversation with the lender, Better Mortgage this morning XX/XX/XXXX, the loan did fund on XX/XX/XXXX. As part of the loan package we reviewed the documents detailing how a refund would be processed. This page indicates the check " ... will be sent via 2-3 day express, ... '' 3 days ( business ) after XXXX is XXXX, it is XX/XX/XXXX and we have not received our refund of approximately {$1900.00}. A call to the settlement agent, XXXX XXXX XXXX ( an affiliate of Better Mortgage ) this morning, XX/XX/XXXX, yielded immediate hold music with no answer or even automated message indicating how long i would be on hold. After about 15 minutes, i hung up and called the mortgage company, Better Mortgage, the woman on the phone indicated that the settlement company was separate and that she would try to call. I expressed my frustration and indicated my intention to file a complaint with the CFPB. I was requested to wait till the end of the day, however i don't feel, that after waiting two days post the agreed upon date, that i should wait yet another day to have this resolved. A final call before clicking submit on this form got me to a voicemail. The Mortgage company called me back and provded tracking information, this tracking indicates a label was created on XXXX. No other updates have been provided. My assumption is that someone didn't do their job and now its my problem to figure out how to come up with the {$1900.00} that i had expected days ago. The mortgage company representative also indicated that the settlement agent said there was a 3day waiting period from the date of disbursement. My understanding of the laws surrounding rescission of a refinance transaction applies only to the time period after close ( XX/XX/XXXX ). So at this point I feel like i was lied to by the settlement agent ( through the conversation with the mortgage company. )
Consumer complaint received 2020-12-11
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: CAINE & WEINER COMPANY, INC. (WA)

On XXXX XXXX, 2020, CAINE & WEINER add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BANK OF AMERICA located at XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX showed we had a balance of {$270.00} and they wrote off {$540.00}. This occurred around XX/XX/XXXXand at that time, B of A submitted our statement to an email account that was no longer valid, therefore they should have received an error message that the message could not be sent. However, they continued to send the statement via email for months. Finally, they sent the collection letter to our home. I promptly contacted the Bank of America and informed them that the email address was not valid and they should have been sending us a statement to our home. At that time, I advised I would pay the outstanding balance that we charged on the card, however we would not pay for the late fees that had amounted over the months. They refused to waive the late fees. I asked for documentation at that time and proved to them based upon the information they provided that we did NOT receive the statements however again they refused to waive the late fees. At that time, I paid the balance owed except for the late fees which now appeared to have continued to accrue until they wrote off the balance. The written off balance was NOT charges that we made but ONLY their late fees incurred as a result of them emailing the invoice to an invalid email account. I would appreciate your looking into this. Thank you Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc. (GA)

All of my personal information has been exposed in the recent XXXX XXXX XXXX XXXX XXXX  there were several accounts that were opened fraudulently without my authorization that range from XXXX to XXXX dollars. The accounts consist of of lenders such as : Prosper Loans, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition there were between XXXX to XXXX attempts to apply for loans as well per my credit report.
Consumer complaint received 2020-12-11
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: CITIBANK, N.A. (TX)

Purchase of a personal computer component ( graphics card ) in the amount of {$100.00} USD was made from an online vendor ( which turned out to be fraudulent ) on XX/XX/2020 using the Citi credit card that is the subject of this complaint. No further communication was received from the vendor ( including no order updates or shipping information ) despite several emails requesting information. No delivery was made to my address. The credit card was charged through XXXX and the initial dispute was filed with XXXX but XXXX deferred to Citi in XX/XX/2020. The vendor claimed in response to the dispute that delivery of the package was confirmed and provided a tracking number. I took this tracking number to the customer service department of the carrier and they provided me with documentation that the tracking number was not related to my name or address, and I forwarded this information to Citi early in the month of XX/XX/2020, and I was told that the rest of the dispute would be resolved after that ( see attached document ). Months later I called to check on the status of the dispute and a representative told me that the dispute was closed because I did not respond to a letter they sent me ( which I never received either in electronic or physical form ), even though I had already submitted all relevant information in XXXX and they were not asking for any new information. In summary, I provided timely proof that the disputed transaction was fraudulent and Citi is denying fraud protection.
Consumer complaint received 2022-07-21
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX Balance : {$1100.00}