davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/21 I tried to make a XXXX transaction of {$1200.00} that did was rejected by chase. My online access was blocked until I verified my identity. I verified my identity in the chase mobile app, confirmed I initiated the transaction and was instructed to resubmit. I resubmit the transaction only for the same thing to happen. I contacted Chase customer service and was instructed by the customer service representative to try the transaction again with her on the phone. The transaction was rejected again and my accounted was locked. The rep transferred me to another department. Whole on hold I received a call from someone claiming to be in Chase 's fraud department. He asked some " identity verifying '' transactions but one of them was to give the first, last name and date of birth of one of my relatives. That didn't seem like a question the bank would ask me and I refused to answer. He instructed me to call chase. When I get through to a representative at chase was asked for my debit card number but I have not yet received my debit card. The representative put me on hold only to come back and tell me chase has decided to end the business relationship and not provide an explanation. I asked if I could go into a branch to withdraw my funds and I was told that I would be mailed a check which is ridiculous. I just want to withdraw my funds.
Consumer complaint received 2019-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

On XX/XX/2018 I went into XXXX XXXX ER, I needed gauges and was told to come back onXX/XX/2018 to have the dressing changed and that there would not be any additional charges because it was associated with the original visit on XX/XX/2018. When I went to get the dressing changed on XX/XX/2018 all I did was sign in. They didn't collect a copay or have me sign any other paperwork, because as I was advised it was associated to the first visit. I started receiving collection letters from XXXX and I advised that this debt is not owed. I advised the debt was in dispute. They put in dispute for 45 days, then sent me a generic collection letter saying that they have validated. I called them and asked how did they validate? Where was the paperwork proving I owe and the debt was validated? I was told that I must validate my own debt. I called back and got a new rep that put the account back in dispute, and today I get another generic letter from them saying they have questions for me. When I called them, they said send them something from XXXX that says I don't owe. I told them to send validation that says I do, because they have yet to prove it. I was advised there are no documents form XX/XX/18 and no signature from the doctor.
Consumer complaint received 2024-11-27
Product: Credit 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. (PA)

I have asked Citi Card to refund me {$4900.00} countless times over the last few years because they awarded a contractor {$4900.00} of my money for a service that was never provided to me. I have attached 40 pages of chronological events that took place that has extended over the last few years with Citi card. Initially I was given a temporary credit from Citi Card for about a 6- week time frame, but then they reversed their decision based on a hand type note from the contractor and some pictures the contractor took off the internet ; these are not pictures of my house. I refuted the claim, but they refused to credit me my money back. When the decision was made, I asked them what I needed to do to get a refund, and they said I needed some form of legal decision. I then promptly took the contractor to court and over a two-year time frame ( court process is slow ) I was able to get a decision stating the contractor was at fault and never entitled to the {$4900.00}. After I got the decision, I sent this to Citi Card and they said they will look into it. I started these calls in XX/XX/year>. I have spoken to at least 10 different dispute center representatives over the last 6 months. Every time I was told, we are working in getting your credit returned, it should not be much longer. After getting the run around, I asked what I needed to do and filed another complaint against XXXX XXXX as they had suggested. So I sent them all this correspondence again and finally received a letter form stating that too much time has expired. Citi Card statement is " Citi is at your side, before, during, and after every purchase ''. I don't think so. They basically misled me and found an easy way out when the contractor refused to credit them the {$4900.00}, so they figured a good customer would pay the bill which is exactly what transpired. The Contractor in question is now in prison and has no means to pay the court hearing decision. If Citi Card would have credited me the money in the first place and not taken the side of a criminal none of this would have transpired. {$4900.00} means a lot more to me than a multi-billion dollar credit card company, not to mention all the lawyer fees I have incurred. I want my refund from Citi Card.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Going over my credit report, I have found it contains many errors. I request your investigation of the following " personal information ''. For the record : 1. My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY they are not accurate! 
2. My current address is : XXXX XXXX XXXX, XXXX, FL XXXX Please remove all other addresses IMMEDIATELY they are not accurate!
Consumer complaint received 2022-07-22
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported are inaccurate and erroneous and are leading to negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. I was never late on these accounts. The late payment shown is in error. Please check payment records and provide documentation why these are reporting as late payment. These are good standing account. Again, please verify these immediately and correct the reporting error! 

XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-04-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

XXXX faxed to Navient an IDR renewal form along with my tax form XXXX XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX responded in Navient online account I faxed IBR forms and Tax documents on Monday XX/XX/XXXX. Please process and apply to my account without delay. ( my other loan servicer has already processed IBR ; also faxed to them on XX/XX/XXXX ) *note* my other loan servicer is XXXX. 

XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX received communication from Navient Delinquency Notice : 60 Days XXXX called Navient and was told they would process my IDR because it was actually not expired but needed to use Forbearance in the meantime XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX received Navient Monthly Bill Reminder for regular amount due, late fees and Capitalized Interest XXXX called Navient and was told that Forbearance ended XX/XX/19 and full payments are past-due ; IDR has not yet been processed. I requested that someone review my account and process my pending IDR renewal form. 

XXXX received email stating that I can apply for IDR or reply yes to get Forbearance
Consumer complaint received 2022-07-28
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Upon reviewing my updates, the incorrect information was still found in my Transunion reports which I believe has been taken care of due to the written appeals I sent. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. I did not authorized, consent or have knowledge to how or when they were opened. Please see the account is blocked from my report as I did not benefit or receive any goods or services from this account. Here is the account I need removed/blocked from my credit report. 

XXXX XXXX XXXX
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I received at the beginning of the year a copy of my consumer report, I noticed that all of my personal information was incorrect I sent out a personal letter to update my information on XX/XX/2022 Certified mail with return slip, Credit reporting bureaus received my letters on XX/XX/2022 & XX/XX/2022. I then started my account with XXXX XXXX to keep up with my consumer report on XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. On XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. 
Now this month I look at my consumer report and it is still incorrect XX/XX/2022 ACCORDING TO 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Which they violated Certified mail # XXXX : XXXX Trans XXXX XXXX XXXX Experian : XXXX
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CrossCheck, Inc. (PA)

On XX/XX/2019 I wrote a check to XXXX and it was cleared through their system that the funds were available, as I was getting a {$3000.00} loan to cover the check that I was writing for {$2500.00}. I attempted to logon to their site to set up a payment plan to settle this, however it didn't work. I then e-mail saying my account was showing invalid. Today, XX/XX/2019, I was called by them, they have been calling me daily about 10 times per day, and I answered. During the conversation I was told that I had to pay the full balance in 48 hours or charges were going to be pressed and I had knowingly written a bad check, however I continually stated this was not that case and I had and could prove I had loan documentation to prove that the money was to be in the account. 

After several back and forth statements, he finally said if I do not make a payment by Tuesday XXXX then I will be reported to the local law officials. 

This is not fair and very threatening as I was not defrauding them.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX XXXX  Account # XXXX is reporting as an delinquent account that I have for over 5 years with no late payment and this is inaccurate. I have never missed a late payment within the 5 years I have had this account so for the Late payments on XX/XX/2018, and XX/XX/2018 marked as 30 days and 60 days late respectively has to get updated across all XXXX bureaus and reported right as this is inaccurate and all inaccurate, wrong reporting information has to get removed from the credit report according to the FCRA. See attached documentation.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IL)

AmSher Collection Service XXXX XXXX XXXX XXXX XXXX XXXX AL is trying to collect for XXXX some debt which is not mine. I have never had a XXXX account. They apparently located my name on the internet as being connected with the owner of the account, but I was not their customer and I did not guarantee any account that any entity had with them. Their collection actions were entirely unknown to me until I viewed my consumer credit report on XX/XX/19 after being denied credit by XXXX XXXX. They have damaged my credit history and caused me be denied credit.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (UT)

Chase Auto is reporting late notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These lates are inaccurate as my payments have been made on time every month. I made my payments online and then got a notice of confirmation. I then received a notice that payment did not go through but my bank statement said that it did. I decided it may have been a system error and continued to make my payments this way but I recently checked my credit and noticed these lates on my credit file. I made these payments on time and my bank account shows that this account was paid on time. These late are not my fault and must be removed.
Consumer complaint received 2019-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I had my school loan, taken through XXXX College, XXXX, NY, in XXXX. I had paid on the loan for many years. I was told through my employer with the XXXX XXXX XXXX XXXX XXXX that I could apply for the Public Service Loan Forgiveness Program OMB No. XXXX. The form was completed XX/XX/XXXX, and later was sent a letter that I was denied for the loan forgiveness program. 

I currently work as an XXXX XXXX Office ( XXXX ), and I qualified for the loan forgiveness under Public Health. I work in the IXXXX XXXX, in XXXX, NY  XXXX the XXXX XXXX XXXX XXXX in the U.S. 

I have met the qualifications with payments made to Sallie Mae/ then transferred to Navient, as well as the Public Health status ( under Section 6 ). 

If you can please follow-up, on the specific reason why I did not qualify, I would appreciate. I have read that there are actions being taken against the servicer Sallie Mae, and would like a written reason for the denial and how the process is done, and what qualifications meet the criteria, as I believe mine does. I have been employed with the XXXX XXXX since XXXX, and with the XXXX XXXX, since XXXX. 

Once denied I took a personal loan, which I am still paying now, which gave me a lower interest rate. As I was told by the service that my payments in XXXX, would have been {$900.00} a month, which I would not be able to afford. 
Thank you for your time and assistance with this matter.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (CA)

I have been attempting to set up an escrow payment account with BMO Harris mortgage company since the beginning of the year. After a series of errors and delays,, the company finally collected the amount of {$3800.00} to an escrow account. on or about XX/XX/2021. However, the company has never started my escrow payments on my monthly bills. I have made numerous calls to the Customer Service number XXXX, and am always told the issue is pending and will be resolved '' tomorrow, '' or " next week, " but they will not allow me to speak to the escrow department. They always say they are escalating the issue for action. 
I was promised the account would be active for XXXX, then they changed it to XXXX. Now we have missed the XXXX billing period so it is pushed to XXXX. The taxes will be due to XXXX XXXX County by XX/XX/2021 so we need to get going! I have tried to work this out with the company but nothing has been accompished.
Consumer complaint received 2019-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In early XX/XX/2019 I contacted Bank of America about my Alaska Visa Signature Credit Card. I did not like that I was charged interest when I paid my account on time. I was told that the interest was legitimate which I did not agree with and told them that I wanted to close the account. 

I called back in a couple days to close the account and was not told that the annual fee had been added to my final statement. 

When I received my final statement and saw the annual fee charged to a closed account I assumed it was and error and called B of A I was told that it was not an error since I had closed the account 2 weeks after the annual fee was posted. I offered to pay a pro-rated amount for the 2 weeks and was informed by two people that I would be required to pay the whole amount which I think is ridiculous.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (AZ)

Hello so I received a notification from Grain that my payment was 1 Day late I got this notification via email on XX/XX/XXXX. So I went on the grain app and updated my checking account information and scheduled a payment. Unfortunately I noticed that the payments I scheduled with my new checking account were not posting to my Grain Account. I noticed this on XX/XX/XXXX after I scheduled a payment and immediately got an email saying my account is 1 day past due as of XX/XX/XXXX which is odd because I just scheduled a payment. So I emailed Grain immediately which is Grains only form of support through their app. I emailed them on XX/XX/XXXX and they responded back to me on XX/XX/XXXX saying that my account had a issue updating to the new checking account information and they have fixed the issue and I can now schedule my payment with my new account. I scheduled the payment on XX/XX/XXXX for {$100.00} and {$37.00} on XX/XX/XXXX. After I scheduled the payment on XX/XX/XXXX I received a notification that my account is now 45 Days past due! Crazy right 1 Day to 45 Days is a huge jump, which just points to something being wrong with their system. I know I wasnt 45 days past due because in addition to the 1 day late payment notice I received on XX/XX/XXXX I got a follow up email saying my account was 2 weeks past due as of XX/XX/XXXX. There is something wrong with their app, Ive brought this to grains attention they will not do anything about the negative credit report of 45 days which isnt true. I scheduled the payments but Grains system didnt take them and it wasnt until I reached out that Grain that then allowed my new checking account to even be linked. I have included all the proof. This is setting my credit score back negatively, I have the receipts ( emails from grain ) and they are time stamped.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN has been reporting XXXX invalid addresses and Incorrect name which I have been requesting immediate removal for more than a year now from my EXPERIAN CREDIT REPORT! 
Name : XXXX XXXX XXXX My name is : XXXX XXXX - No G Incorrect Address # 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX on XX/XX/XXXX Incorrect Address # 2 : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-29
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$300.00}, {$1100.00}, {$160.00}, {$550.00}, {$900.00}, {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

4. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.