davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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. (AL)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. 
These companies have REFUSED to work on disputes even though they are required by law to do so.
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2023 I received a call from Chase Bank in regards to my Visa Debit carded. The call came from the Chase Customer Service Department and the caller stated that there appeared to be fraudulent activity on my card. The caller asked me if I had recently authorized purchases to be made in Texas because a purchase at a store was being denied. After I replied no, the caller then stated he also saw a payment of {$9000.00} scheduled for a wire transfer. At this point I asked the caller to identify himself, and to provide me with information that I could verify as being legitimate. The caller identified himself as XXXX XXXX, and then provided me with information from my Debit Card including the CVC code. Additionally, he told me to look at the back of my card to see that the Chase Customer Service number was indeed the number from which he was calling. 
He stated that in order to stop the scheduled payment, I needed to process what was called a reverse transaction and the receiving bank would resend the payment. He provided an account number for the wire at XXXX XXXX  ( XXXX ). Long story short, he walked me through this process and provided the following information for the receiving bank : XXXXXXXX XXXX ( I believe it was in XXXX ) and the name of the bank representative, XXXX XXXX. At this point I told the caller to stay on the line while I drove to Chase Bank to verify. He did and when I arrived at the bank, the customer service representative from Chase asked the caller for his ID number. She also verified that it was indeed Chase 's phone number that he was calling from. When she asked him for his Code number, he hung up and by that time the money was wired. The representative immediately sent me to a Manager who filed a recall wire and the claim number for that is XXXX XXXX. After following up and calling several times, I was sent a message through my " secured message Chase account '' that basically stated the receiving bank stated there was no money in that account. I then tried to contact someone from Chase 's " fraud '' department, but the only communication was via relayed messages. I attempted to make contact today XX/XX/2023 and on three different occasions, the Chase employee disconnected the call after I asked if they had filed an Elderly Senior Financial Fraud/ Exploitation report on my behalf.
Consumer complaint received 2023-01-18
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

5/3 Secured Credit card complaint -Contacted bank on this date for refund process : -Contacted bank for a follow up after XXXX business days : -Bank Canceled my check after stating that I would like to just wait rather then canceling, getting a call back from supervisors supervisor. XXXX said on pre recorded line that it wont be canceled. 

-Followed up next business day to find out that the check was indeed canceled so talked to another supervisor about the situation, and they issued me another check When I called back on Saturday XX/XX/XXXX almost a month after issue date, They asked about my zip code and realized I moved. So this entire time I figured they knew I did when pulling up my account but they realize at the fourth refund check they have been confirming the incorrect zip so identity theft could have occurred. On Saturday they issued me another check. 

Today after I cashed a check for cash from work I followed up on the case and the lady said that the check was not even issued Saturday XX/XX/XXXX so XXXX XXXX on the phone trying go get this check issued the XXXX time. I asked on the phone what date on business day would be the latest the check should arrive. He will be escalating me to supervisors voicemail as well so he is inform I have been in contact with the CFPB. 
I would like the following :
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

In XXXX of XXXX I opened a store credit card with XXXX XXXX XXXX XXXX Credit Card. On XX/XX/XXXX, I set up a payment in the amount of {$150.00} to be made to the credit card through my bank 's bill pay system - XXXX XXXX Bank. 

When I received my next billing statement, it indicated that no payment had been received and they charged me a late fee. I confirmed with my bank that the payment was sent out and had my account number attached to it. I then sent messages through the Credit Card messaging portal but they just kept requesting a payment, they did however waive the late fee. I did make a payment through the portal at that time as I did not want a late payment being reflected on my account. XXXX finally sent me a letter through XXXX Bank on XX/XX/XXXX requesting that I telephone them to resolve my inquiry. I did telephone them on XX/XX/XXXX at XXXX, I spent XXXX minutes on the phone with a representative She took down all of my information and indicated she saw the notes in the computer from my prior messages and that they would get this resolved for me. 

On XX/XX/XXXX, after more than a month went by I began messaging them again and I would get generic responses of which I would respond pleading with someone to please read my messages and respond appropriately. They then requested that I call them and file a claim, I stated that i already did that. So again, on XX/XX/XXXX at XXXX I telephoned them and spent XXXX minutes on the phone. The representative told me something to the effect of - Don't worry this time you filed a claim. I told her yes and I have already done this once before! She was apologetic. 

On XX/XX/XXXX I received a letter assuring me they are looking into the matter. Still, I hear nothing so on XX/XX/XXXX I message them requesting an update. I am told I have already filed a claim and they are looking into it. Months later on XX/XX/XXXX i receive another letter from them requesting a lengthy list of information of which I've already provided!! 

I am done trying to chase this money with them and am hoping for a resolution.
Consumer complaint received 2020-05-28
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. (CO)

Back on XX/XX/XXXX I bought a XXXX XXXX  computer from a seller name XXXX  using my Amazon chase credit card and the product was defective and I returned back the product to the seller. The seller refunded partial amount the first time and I disputed for the full amount and temporary refunded the whole amount on XX/XX/XXXX back to my acount. After a few week the whole purchase amount is credited back from my account to the merchant with out any product or service. I redispute again for the whole amount but chase customer service not willing to refund my money or to solve the problem to get my money back which is taken without authorization and I here by looking assistance to get my money back.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

To whom it may concern, My wife and I were trying to do a loan modification with our lender, Schools first Federal Credit Union, after receiving forbearance. My wife was laid off and we were getting behind on our payments. We still are behind on our payments and last year when we reached out to Schools First we believed that the Loan Modification was going through the process. Well come to find out all that Schools First did was defer the payments. When we talked to our lender and mentioned to them that we really wanted to do the modification so we can lower our payments. Schools first told us to start the process all over again.
Consumer complaint received 2023-02-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX we took out an Equity Line of Credit for Business with BOA using our home as collateral ( namely a second mortgage ). On XX/XX/XXXX I paid the final amount due of {$6.00}. I never received a release of XXXX letter. I contacted Bank of America and spoke with XXXX at XXXX on XX/XX/XXXX. She opened case ID # XXXX to find out why the lien was not released. XXXX XX/XX/XXXX I received an email from BOA stating they could not help me, that the loan had been sold to Loan IQ at XXXX XXXX XXXX, XXXX, FL XXXX. There is no phone number or contact person. BOA refuses to assist me in finding out where the loan they sold ended up. They NEVER informed me that they were selling the loan as the law requires. They refuse to assist me in getting the lien release that should have happened in XX/XX/XXXX. All my payments were mailed to BOA, XXXX XXXX XXXX, XXXX, TX XXXX, but there is no phone number or contact person. I need the XXXX released. The loan has been satisfied. Bank of America is refusing to help.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

In accordance with the Fair Credit Report Act XXXX  Account : XXXXXXXX XXXX Amount Collect : {$1400.00} from Creditor : Credit Collection Serv, 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 an account without my written instructions.
Consumer complaint received 2023-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have asked for these accounts to be updated, by the respective credit bureaus, and expressed truthfully and accurately. The accounts listed in the documents provided are not being reported truthfully and accurately. Please update the accounts with information I am asking for and provide me via this CFPB portal with the documents used to update the accounts.
Consumer complaint received 2023-02-20
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. (RI)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

In complaint XXXX, Shellpoint never denies that it received funds from the XXXX XXXX which it did not apply to my account. 

Shellpoint never states under which provision I did not qualify for a XXXX  modification Shellpoint doubles down and does not respond to why they used XXXX XXXX  when it should have used XXXX XXXX of the current year which would have reflected all of XXXX  's outstanding principle. 

Shellpoint reclassifies the outstanding interest. Shellpoint claims that interest is " generally '' reported a certain way. Shellpoint is supposed to report all the interest that was applied to my account in XXXX  on the XXXX. First Shellpoint said they deferred it. When I responded that my XXXX was not impacted by how Shellpoint handles its taxes, now Shellpoint is claiming that they generally they subtracted deferred interest. It does not make sense that there would be {$2000.00} in deferred interest for the same time period.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (IA)

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Consumer complaint received 2023-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Ive received copies of my credit report and notice that XXXX XXXX XXXX XXXX XXXX ) Was Closed On XX/XX/2022, I Am Wondering Why Was That Account Still Reporting Late Payments Even After The Account Been Closed. May I please have this account investigated
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I was charged overdraft fees on payments taken out of my account that I didnt approve. They kept letting the same payment repeatedly come out and charged me multiple times leaving my account over drawn by more money than it should have been. Even after contacting them they refused to help solve it.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (MA)

I was locked out of my account by Netspend after one try to login online and check my balance because my card was being declined after trying to make purchases. I found out that netspend put a lock on my account after I added my last XXXX to the card. After getting in touch with an customer service representative they asked me to email my id, social security card and a proof of address which I really didnt want to do because I dont know how they handle such sensitive information yet I sent it and at first they declined and said I needed to send another photo of the social security card because at this point they are bullying me and being irritating.The photo of the card was visible and a tiny little corner was cut off and barely noticeable. The name or number was clearly visible and not cut off in any way. So I sent another photo of it and Im being ignored now. They are giving me a very hard time to access the money no matter what and they know its me trying to access the account because I sent in everything they asked. Even after I told them someone is sick in my house and I need to access the money they are ignoring my request. It feels like Im applying for a huge loan from them or some sort because I have to jump through so many hoops to access my money. I have XXXX children and this is putting us in a hardship during this covid crisis. Im wondering how long this is going to go on and what they will ask for next.I would like to request help if possible.Thank you.
Consumer complaint received 2020-05-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/XXXX my driver 's license, my social security, my passport, and other personal items were stolen from my car. At that time my credit history was starting, so when I reported to the credit bureaus they just put an alert for 6 months. 

In XXXX, someone got credit cards from Capital One, using my identity. I recently discovered this when I downloaded the app XXXX XXXX.
Consumer complaint received 2023-02-14
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. (VA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

My fiance and I moved out of our apartment XXXX at the XXXX in XXXX Colorado on XX/XX/XXXX. On XX/XX/XXXX I was notified of a charge in the amount of {$500.00} that was added to our account on XX/XX/XXXX. I contacted XXXX XXXX, the leasing consultant at XXXX at the XXXX, immediately and disputed the charges as the carpet damage was done by previous tenants and was documented when we first moved in. He then wrote off the charges on XX/XX/XXXX. My mother is the XXXX who originally contacted me about the debt collector hassling her, calling her almost every day in regards to the {$500.00} debt that was posted to my account. I contacted the National Debt Collectors office immediately to get more information where I was then harassed, hung up on, and refused clarification. Since then I have sent in the updated ledger and my mail was returned ripped open and the ledger missing. My mother also has sent in the updated ledger and it was returned to her with an upside down stamp stating it was a valid debt, even though the ledger the debt collector has ended on XX/XX/XXXX and does not reflect the write off charge posted XX/XX/XXXX. It is now XX/XX/XXXX and not only is my credit score in the gutters from the false debt, but I am now at risk of eviction due to this false debt being on my renters history. My mother ( my garentor at the time for the previous apartment ) and my fiance 's credit score have also been negatively effected by this false debt.
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

The attachment has all the details involved in the erroneous accounting transactions that generated a past due payment on my account. 

I have emailed, called, written letters, and had an attorney write a letter to get Shellpoint to correct this error to no avail. 

After Shellpoint reversed payments billed and paid, my account was put into a past due status. This transaction occurred on XX/XX/XXXX. I have provided the escrow analyses as proof that the amounts billed and paid are indeed correct, however, no actions have been taken to correct the reversal of payments billed and paid. As of this date the account shows past due. I am not able to determine how they arrived at the amount included in the past due payment. The past due payment has fluctuated up and down since XX/XX/XXXX. 

In XX/XX/XXXX, a past due in the amount of {$820.00} for some bankruptcy fees was added to my account. I was told not to worry about this amount. However, I began paying this amount down, as of XX/XX/XXXX, the balance was {$570.00}. 

Payment sent in for XX/XX/XXXX for {$1500.00}, was posted as {$1200.00} into escrow and {$270.00} into partial unapplied. There was not an escrow shortage prior to the reversal of payments and no need for this payment to be posted as such. The past unpaid amount escalated from {$570.00} to {$1800.00} which is less than a regular payment due. {$1200.00} is the amount of the escalation and I can not determine how they arrived at this amount. 

Please see attachment for full details on other accounting items that I have requested to be corrected. 

I also attached some of the documents sent to Shellpoint and a couple of the statements. If additional information is needed I can provide it later.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.