davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

My and my spouse are both independent contractors. In XXXX, we both qualified for the SBA EIDL disaster assistance loans. We signed our paperwork with the SBA and our funds were deposited. Chase Bank froze our accounts. My wife spent hours with the bank manager providing Independent Contractors agreements, My EIN, Schedule C 's of our taxes, everything we could show that we were independent contractors. The branch manager sent her home saying our accounts were being closed and that a check closing out our account should be sent to us in three days. Through the rest of XXXX and XXXX, we had weekly exchanges with Chase bank regarding additional information they requested. On XX/XX/XXXX, we faxed over EIN 's that were requested in order to unlock our account. We have now been told we need to independently pay a XXXX to prove that we are indeed independent contractors. We have our contracts, our pay stubs, our taxes, and EIN 's, and Chase is refusing to unfreeze our money. This is money that is a loan to us, so whether Chase returns or not, we still have to make payments on.
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (VA)

I opened a city priority package on XX/XX/XXXX, and deposited XXXX in total to the checking and saving accounts before XXXX. After 60 days, I chatted with agent in the app two days ago, she said I met the requirement of the bonus, but need to wait another 90 days for the bonus to appear in my account. I called Citi on Friday again and rep. said she was not sure if I could pull the money out because this could make me not qualify for {$700.00} because the XXXX needs to stay in account for ADDITIONAL 90 days after first 60 days.
Consumer complaint received 2019-03-26
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. (MS)

I satisfied a judgement with the court for an item listed on my credit report. The judgement for XXXX XXXX XXXX was paid in full on XX/XX/19 in the amount of {$2200.00} I received the Notice to Justice Court of Judgement Satisfied and submitted that document with my dispute to Equifax to request the status be corrected or updated. 
Equifax stated they electronically submitted a request for information from XXXX XXXX and received a reply on XX/XX/19 that the information listed on my report was accurate and still owed. 
I spoke with a XXXX XXXX XXXX in the collections department at XXXX XXXX who stated to me that the company does NOT answer disputes from credit reporting agencies and explained that disputing the balance would be the easiest way to have the item removed due to the fact that they dont answer disputes. 
I spoke with a supervisor @ Equifax by the name of XXXX @ XXXX ( CST ) on XX/XX/19 and she explained to me that even with court documentation confirming the judgement has been satisfied, that it will remain on my credit report with the balance still showing as owed.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC ()

I live within XXXX. Yesterday ( XX/XX/XXXX ) I received a letter dated XX/XX/XXXX from the mortgage servicing company saying I had recently missed a mortgage payment. The letter also stated that I needed to reply by XX/XX/XXXX - which had passed by the time I received it. 

My bank records here in XXXX show that I have transferred each monthly mortgage payment via internet transfer, using bank transfer details provided by the mortgage company in XXXX. 

However, the Monthly Statements - along with various other correspondence - appear to be sent via surface mail taking months to arrive. For example the last Monthly Statement I have received, for statement date XX/XX/XXXX, was received by me on XX/XX/XXXX. I have not received monthly statements for XXXX, XXXX or XXXX although I have made payments for each of these months. ( There is unfortunately one monthly payment which may have contained an incorrect amount in error - the unadjusted amount for this year instead of the newly adjusted amount for this year. ) With the delay in receiving correspondence, I now find that I don't have a clear picture of the state of my account ( as I'm unaware of what late payment fees may have been applied to the account ), and that I may be forced into foreclosure.

I have been unable to log onto the website for the mortgage company, nor make contact via phone. However I have sent an email yesterday, and am awaiting a response.
Consumer complaint received 2020-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TN)

I called your company on XX/XX/2020 I contacted your company certified mail, I provided documentation of the XXXX breach and asked for your company to remove this account from my credit file as soon as possible. I also asked for you to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. As of XX/XX/2020, I have yet to receive any response from your company. 

This is my second attempt to correct this error, your company is fraudulently reporting information to my credit report that legally should not be listed on my credit report or in my name at all. Please remove this account from my credit report as soon as possible, it is impossible for me to owe you any monies, you have also violated ( Section 609 Of the Fair Credit Reporting Act ) by not responding to my debt validation request which is illegal. I really hope this matter can be resolved quickly. 

If this information is not removed from my credit file, I will move forward to a judge in my area to bring this account into small claims court for this fraudulent account being placed on my credit file.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Previously submitted a complaint and neglected to include all credit bureaus. XXXX XXXX has been satisfied and I've even acquired new service at a new residence. They are still reporting as a negative item on my credit report which should be removed as I do not owe a debt.
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC. (IL)

Good morning, I received a phone call from an unknown number at XXXX XXXX  on XX/XX/XXXX. There was a voicemail issued to me from a young lady from XXXX XXXX stating that I will be summoned with paperwork to my address & that paperwork will be issued to my verified place of employment. The number was ( XXXX XXXX XXXX as a call back & the reference number was # XXXX. 

I called back to XXXX, XXXX XXXX XXXX and was connected to representative ( paralegal? ) XXXX XXXX. XXXX XXXX was rude & told me I was wasting his time by insulting his intelligence, and he also told me that I obviously dont understand how credit works when I notified him that I do not recall having this account. I notified him that I disagree with the allegations that this is my account. His aggression was not necessary. Apparently, the ring purchased had a {$520.00} balance for {$190.00} ring. I notified XXXX XXXX that I do not recall having this account. Apparently the last payment was made in XX/XX/XXXX. On XX/XX/XXXX the account was opened. Payments were made on the account. I have no idea who this creditor is but I will surely be reaching out to Kay Jewelers directly regarding this matter. Threatening to send me to a court that may or may not be open due to COVID makes no sense. He did offer me a settlement and also offered $ XXXX {$150.00} payments per month. And when I commenced to telling him that I was not claiming the account, he commenced to screaming, insults, and abuse. 

Best, XXXX XXXX  XXXX
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

Please review attached documents. EOS CCA has contacted me after given a cease and desist, never rebutted the affidavit of truth line by line, never paid specified remedy, still stated that I owe a debt. They're in violation of 15 usc 1681 & 15 usc 1692.
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I received a settlement check from a wrongful death suit involving my mother and the approximate total of the check was {$130000.00} on XX/XX/XXXX. According to the Wells Fargo bank statement of XX/XX/XXXX, a deposit, of {$130000.00} was made into my Wells Fargo Access Fifty checking account. I spoke with a Financial Counselor representative at the bank that asked how did I come to have such a large check. I explained about the settlement. I only wanted to put that money in my personal checking account. I was told that I needed to open a savings overdraft protection account to avoid monthly fees and charges. I believed that was a separate account. This money was never deposited or linked to the overdraft savings account. Both accounts were online banking accounts of which I did not have access to a computer ; therefore, I was unable to check the accounts. No paper statements were sent to me. On XXXX XXXX, a withdrawal made in a Branch/store of {$36000.00} was made. I did not withdraw this money. On XXXX XXXX, a withdrawal made in a Branch/store of {$75000.00} was made. I did not withdraw this money. On XXXX XXXX, a withdrawal made in a Branch/store of XXXX was made. I did not withdraw this money. 
In XX/XX/XXXX, I was inquiring about a line of credit with Wells Fargo. The bank manager said I had to have a substantial amount of money in the bank for a line of credit. I said I do. She asked what account? I told her it was in my overdraft account. She said, What money in an overdraft account? I told her I put money in an overdraft saving account in XXXX. She said that their bank records do not go back that far, their retention period is only 7 years. However, she began to find and printed out an access fifty checking bank statement from XXXX XXXX XXXX. It verified a check totaling {$130000.00} was deposited on XXXX XXXX. Its showed a withdrawal of {$36000.00} on XX/XX/XXXX, {$75000.00} on XX/XX/XXXX and {$2500.00} on XX/XX/XXXX. The bank manager found several other accounts in my name of which I never opened or even knew about. I requested to see a signature page or signature of the withdrawal slip for those withdrawals. The bank manager said that information was not available since they only keep 7 years worth of information. I requested an investigation. She notified an escalation team of Wells Fargo. This team called me back in 5 days- they stated the retention policy was only 7 years and she could only find a bank statement starting with XX/XX/XXXX and no further information was available. I believe since the money can not be found or accounted for -identity theft, multiple accounts and a merger between Wachovia and Wells Fargo and Overdraft Protection Account, hid the removal of these monies.
Consumer complaint received 2020-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unlimited Progress Corp (IL)

I recently just paid a medical collection last month, however XXXX  is refusing to remove it when the law and their blog clearly states once paid they are to remove it. Moreover, they were the only credit reporting agency that refused to remove it when I disputed and sent in documentation that showed Medicaid was responsible for the bill like the other two big credit agencies. Nevertheless, since they continued to let the collection company report monthly and hurt my credit score I just paid it because Im trying to purchase a home.
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NC)

I sent I C Systems a debt validation letter on XX/XX/XXXX requesting that they send validation to me, they received the letter in XX/XX/2020 and to date did not respond. this collection account was on my credit report under a different collection agency before who I disputed and was able to get it removed from my credit reports, that previous collection agency had my current address because I was communicating with them and got the account removed, in XXXX I see I C Systems reporting the SAME DEBT TO MY CREDIT REPORT. I did not get a notice of the debt in the mail and i know they have my current address because they bought the debt from the previous collection agency and that agency would have given them all information they had to verify me AND the debt and for them to communicate with me, but I C Systems failed to do that. I sent them a debt validation letter, remind you I had to get their address from the listing on my credit reports NOT from them which is a shame, its been a month since they received my letter and to date I still have no response, no validation absolutely NOTHING! I cant even go on their website to see the account information because I dont have the full account number which I would have to get from them, I shouldnt have to call them, they are a debt collector they arent on my side and will try to tie me to a debt they dont even know I owe and neither do I. I want this account removed from both my XXXX  and XXXX  credit reports immediately
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I have over 20 open accounts which consist of 1 mortgage account, 4 vehicle accounts from XXXX XXXX XXXX XXXX, 9 credit cards, etc. and over 30 closed accounts which consist of 2 mortgages, several personal loans, etc. However, Equifax is missing ALL of my accounts. None of my accounts and great payment history is being reported on my Equifax credit report. 

Then they are reporting 4 old collection accounts which have been paid and deleted by the collection agency per our payment agreement. I have tried to resolve this with Equifax to no avail.
Consumer complaint received 2019-03-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

When I started at the University of XXXX, I let the admissions representative that was helping get started that I had a background issue would it be a problem? She stated no. At this time my degree is in XXXX XXXX/XXXX XXXX. It is a problem I have applied to several places and have been turned down be cause of my background check ( criminal background check ). So I explained this to my loan servicer, which is XXXX. I applied twice, the first time they denied my they stated that XXXX denied me and they had no control over the discussion, and to call XXXX. XXXX referred my back to them. Then they said I filled out the application wrong and I needed to redo lines 9 and 10. So I downloaded another application and re did it. Then I decided to call to check and they said I was denied again because I need the school to say they knew, and to call XXXX because they handle all decision. XXXX said it was not true and to get a supervisor. I do not know who can help me but I am getting the run around from both of these companies and I just do not know what to do.
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C ()

Stenger & Stenger failed to realize that this " judgment '' is not on XXXX XXXX 'XXXX  credit reports as a judgment, nor is there anything on his credit report for XXXX XXXX from XXXX. Also, Stenger & Stenger DID NOT allot Mr. XXXX his day in court to dispute anything regarding this TIME-BARRED debt. The ORIGNIAL supposed legitimate judgment was put forth on XX/XX/XXXX vis a Civil Summon that WAS never served to Mr. XXXX by 1st debt collection Attorney XXXX XXXX XXXX, nor was Mr. XXXX ever served when the 2nd debt collection Attorney XXXX XXXX XXXX. XXXX  tried to pursue this same so call judgment back in XX/XX/XXXX. And, NOW Stenger & Stenger are the 3rd debt collector Attorney to try and collect on this " said '' judgment that from Day 1 has never been handled, nor served proper that Mr. XXXX was able to go into the Court and dispute this so called Judgment. Stenger & Stenger, again is trying to collect on a time-barred debt & a Judgment that show nothing on Mr. XXXX 'XXXX  3 credit reports. There is ABSOLUTLY NO PROOF OF THIS DEBT under any of the Consumer Fair Debt Collection. Stenger & Stenger is try to extort money for a bad debt the chose to purchase from XXXX XXXX XXXX.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (UT)

I opened an online account with citibank and made my initial deposits with XXXX XXXX money orders. The checks have cleared but access to my account has been frozen. The initial deposit was made on XX/XX/XXXX. The bank is now demanding copies of the checks even after they have cleared. I sent a tracked package with notarized copies of said documentation. They have yet to even acknowledge receipt of paperwork, even tho I have confirmation of delivery on XX/XX/XXXX. I have called over 10 times and spent multiple hours on the phone trying to rectify the situation. I am not allowed to even talk to the department involved in the hold. Today ( XX/XX/XXXX ) I was informed that I would need to send the documents again, even though I have confirmation of receipt of delivery.
Consumer complaint received 2022-12-09
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. (HI)

On XX/XX/2022 I received a call from what caller ID showed as Chase. The caller stated my card was being used fraudulently and Chase was going to send me a new card. They send me an email and ask for the code that came on that email. Unfortunately I gave them that code. They then set up XXXX XXXX on their phone with my card. They had my phone number, my email address and my credit card number. I did not give them any of that information. They then proceeded to use my card for XXXX purchased totaling over {$5900.00}. I canceled my card after I discovered these charges. I notified Chase. They informed me I was responsible for these charges. I appealed this twice and both times they rejected my claim. The last response from them was that " You received benefit from this transaction. '' This was not possible since the transactions were on a different XXXX where I was and live.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. BANCORP (WA)

My sister in law was contacted by a person saying they were with XXXX XXXX XXXX and were going to file a lawsuit to collect a debt on behalf of U.S. Bank my wife called them back at the number they provided which was XXXX and said that she was wondering what it was about. they said that i owed over {$1000.00} which i do not. I do owe {$700.00} of which i have a {$76.00} a month payment arrangement with them for. She let me know what they said and i called them back and they were very rude with me telling me that i was lying to them and said that they would get my court papers mailed to me and start the lawsuit process. They got even angrier when i said that i had contacted U.S. Bank directly and said that it was a little convenient that i had a {$75.00} a month payment set up with them and called me a liar again.
Consumer complaint received 2019-09-17
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: ALLY FINANCIAL INC. (GA)

Dear Consumer Financial Protection Bureau, CFPB : XXXX CREDIT is  refusing to make PROPER CORRECTIONS, AND CFPB HAS TO REGULATE ALLY AUTO FINANCE THAT IS FALSELY REPORTING DELINQUENCIES ON ALLY AUTO FINANCE ACCOUNT IN ERROR. I DO NOT OWE ALLY AUTO FINANCE {$27000.00}, THE PAYMENT CONFIRMED RECEIVED AND POSTED TO ALLY AUTO ACCOUNT, I WENT WITHOUT THE MONEY, AND THE FUNDS WERE AVAILABLE IN THEN-ALLY AUTO BANK ACCOUNT. 

MOST IMPORTANT, I AM WRITING REQUESTING FRAUD ALERT ON MY CREDIT REPORT AND ALLY BANK ACCOUNT, AND TO HAVE UNVALIDATED DEBT ( THAT I DO NOT OWE ) REMOVED FROM 3 CREDIT BUREAUS AND XXXX IF REPORTED ( REMOVAL OF {$270.00} DEBT BALANCE-ally bank ). 

I DO NOT OWE ally auto finance {$270.00}. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). 

Ally bank AND ally auto finance is reporting my ACCOUNTS as delinquent when the account is NOT DELINQUENT NOR LATE ( A TOTAL OF 14 PAYMENTS TOTALLING {$11000.00} HAS BEEN PAID TO ALLY AUTO FINANCE ON TIME AS SCHEDULED ). THE ADVERSE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY XXXX CREDIT SCORE. Please have ally auto finance remove ALL DELINQUINCIES FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ). Please Note : MY TRUE CREDIT SCORE IS XXXX ACCORDING to XXXX, and on XX/XX/XXXX-Tuesday, XXXX is reporting MY CREDIT SCORE AT XXXX? PLEASE TAKE CORRECTIVE ACTION. I HAVE BEEN LEGALLY ADVISED NO FURTHER PAYMENTS WILL BE MADE UNTIL THE CORRECTIONS ARE PERMANENT. IF I AM MAKING MY PAYMENTS ON TIME AND GOING WITHOUT THOSE AMOUNTS OF MONEY ( {$11000.00} ), THEN THAT SHOULD BE ACCURATELY REFLECTED ON MY CREDIT REPORT TO ALL 3 CREDIT BUREAUS. MOST IMPOTANT, ALLY AUTO FINANCE HAS ALLOWED BANK FRAUD TO TAKE PLACE ( MISAPPROPRIATION OF MY AUTHORIZED FUNDS IN THE AMOUNT OF {$270.00} ) AND ARE TRYING TO EXTORT DUPLICATE PAYMENTS FROM ME. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX