davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/22 at XXXX, I used the chase bank ATM ( XXXX XXXX XXXX XXXX to pay may credit card balance. After I inserted money, I heard it was counting th bills but it came out the receipt without completing the payment. ( The money was not returned ). And the ATM showed that the machine couldnt accept cash anymore. From the receipt, it said that there was a problem so I had to contact the customer service. 
I called and explained about the happening, and he said he would put some credit until they investigate it. But I didnt count exact amount of the bills, so I told him that it would be about {$860.00}. Because I remembered there were at least 40 {$20.00} bills. He asked me some information from the receipt ( terminal number, sequence number, exact time ), and he said he could see that I put my credit card in the ATM from log but couldnt find how much I put in. 
A day later, {$860.00} was credited and nothing happened until XXXX. But on XXXX, the credit was removed and I got a letter that saying they found an credit error so they removed the credit. 
I went the branch ( same location as ATM located ) and talked to one of workers, and she called somewhere about 30 min. And she said the claim was declined because they couldnt find that I put the money after investigation. And she said I had to send a letter the chase card seevice to reopen the claim. 
I called customer service again, I explained whole story, transferred 3 different representatives. And last representative ( I guess he was a manager ) checked everything, but couldnt answer clear solutions. And he said he will give another credit and XXXX submit another claim for me. 
When I called right after using ATM, the representative said they would investigate it so it wouldnt be any problem, and the correct amount would be adjusted. 
There are security cameras ( even on the ATM ), so they could check I put the money in the machine. Also, after they checked the ATM, they could find the over collected amout of money. So I thought they could find how much I put in the machine easily.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I was in chapter XXXX  bankruptcy which was successfully discharged on XX/XX/2021. My current mortgage company Select Portfolio Servicing Inc. Refuses to report my good credit to the three major credit reporting agencies. My mortgage is current and all my payments are on time. But this company continues to report my good credit to the agencies. I have tried to resolve with this company to no avail.
Consumer complaint received 2022-07-18
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. (TX)

I am submitting this complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. How many times do I have the Credit Bureaus that the information they report on my Credit File is erroneous and is leading to a Negative impact on my Credit File? I have been requesting for the Credit Bureaus to conduct a proper verification of the Disputed accounts by sending me certain documents to prove the Credit Bureaus credibility and authenticity of the information they present. I don't even know if the Credit Bureaus really did conducted an investigation or not since they have never responded to my Letters. Right now, I am submitting this complaint once again to have the following items investigated and corrected. If the Credit Bureaus can not provide proper verification nor correct the disputed accounts, it would be wise to have the items removed completely from my Credit Report : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX  XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$540.00}
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (FL)

On XX/XX/2021 I reported a fraudulent brokerage account and a platinum debit card to Charles Schwab that was opened with my information. They informed me that this would be closed and my information would be flagged appropriately so this does not happen again. I reached out on XX/XX/2021 because I had yet to receive confirmation in the mail of the closure. During this call, I was informed that Charles Schwab bank allowed another brokerage account to be opened with my information after I already reported identity theft to them less than a month prior.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This debt was removed by XXXX and XXXX, but Transunion hasn't removed the debt. This car was in a flood and it was totaled by my car insurance XXXX for over XXXX. This loan was taken out with XXXX XXXX XXXX at their dealership for a cracked windshield they refused to pay for with a brand new car taken out at their dealership. They were paid off for this car. I was only responsible for XXXX of this lease they were paid for the whole car now XXXX is reporting this on my credit as a Charge off and this was already filed as a loss with the IRS so why is XXXX and Transunion refusing to remove this from m credit report. Please help get this removed. They never sent me a 1099-C either for my to claim this on my taxes.
Consumer complaint received 2023-02-24
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. (FL)

I have sent letters to the bureaus informing them that I was in fact born in XXXX, not XXXX, and i have requested over and over again to validate various accounts that are being reported incorrectly and not once have I even received 1 letter to inform me that they acknowledge my concerns.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (LA)

I have a checking account with Regions Bank, my roommate has account with Regions Bank. 
I receive my roommate check on the 3rd of each month for rent. They have one Region Bank in XXXX, so it is very busy. So i asked Regions Bank if they have online deposited. 
Well i went online to deposited the check into my account so i can pay the rent, it comes up 10 % fee to get the money immediately. That would cost me {$100.00} when we both use Regions Bank. Groceries have gone up, Medication gone up and gas as gone up. i been with this bank for many years, i cant understand why they are doing this with Covid 19 when so many people are struggling.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX  has violated the Fair Credit Reporting Act ( FCRA ). They are still reporting a closed/charged off account from 2012. The first date of delinquency was on XX/XX/12. I was harassed and shamed by their recovery department. XXXX, a employee of the recovery department at XXXX XXXX XXXX also lied about the FCRA and stated that they will not remove this account from my credit reports because the date is actually from the last payment made which is 100 % false. He wouldnt let me speak. He was incredibly rude. I have record of my payment history with fifth third bank which I obtained from a local branch in XXXX, Ohio which clearly shows that my first date of delinquency/late payment occurred on XX/XX/12. After years of mistreatment and harassment from XXXX XXXX XXXX, I only ask that they respect the FCRA and my rights as a U.S citizen. I am not asking for any favors but just that they do the right thing.
Consumer complaint received 2022-08-21
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: ENCORE CAPITAL GROUP INC. (MI)

Companies have used my information to create or open accounts I did not authorize. Also they have sold accounts I have not authorized claiming I owe the debt to which I do not. I have contacted these companies a number of times to get these things taken care of and removed from my credit report. 

In accordance with the fair credit reporting report XXXX  all accounts on my credit file has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account with out my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

In XX/XX/XXXX I logged into my account with NewRez to make my monthly payment. Upon doing so I noticed my Escrow Account had a negative balance which was very unusual since my Home Owners Insurance or Property Tax Bill had not been disbursed. 

I noticed {$6500.00} has been deducted for " Insurance Premium Disbursement '' I called and was told this was a one time PMI charge and I asked for an explanation and was never provided one. No one with NewRez notified me in writing or by calling regarding I was going to be charged this. I inquired again a few weeks later in late XXXX/early XXXX and was told the same thing. I just could not understand why I was charged this amount and I was told I would receive a letter ( which I never did ). 

Over the Holidays I didn't follow up much on the issue, but started again in XXXX. I've called XXXX who could not tell me anything other than they did not bill me and I'm not the policy holder. I called Shellpoint since they are the lender and was not provided any new information as well. I have made two calls in XXXX XXXX being on XX/XX/XXXX where I was told by XXXX XXXX someone would reach out to me in 3-5 business days and no one never did. 

I understand there may have been an error in the closing process, but after talking with several realtors, lenders, etc. none have heard about the Lender putting the charge back on the borrower ; especially with no notice! My mortgage payment has increased over {$650.00} per month. This is beyond unethical for a company to be allowed to do this. 

I'm attaching my escrow statement along with a few loan documents for your reference. 

I also have done research where a charge of this magnitude would change my APR for my closing disclosure and the lender is not allowed to go over 0.125 percent and if you do the math you will see they have gone outside this range. 

I would like to be reimbursed the full amount as that is what a reputable company would do and since they provided no notice and did illegally not provide me with an updated closing disclosure. 

You will also see where they have taken 17 PMI payments of {$66.00} and refunding two for a total of 15 deductions and I've only had made 13 mortgage payments. 

I have inquired about this as well and no response.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I am not sure if this is the right place to contact, however if so, I would like to file a complaint. If it is not, if you could please point me in the right direction. 

I was making a payment on the BofA mobile app, when I was presented with a message that I may be eligible to lower my monthly payments, I clicked on it and the banking app glitched and shut down. ( the app does this all the time ) When I reopened the app, it had signed me up for a collections program that closed the account. I never accepted any agreement, signed anything, or consented to this account closure. I was never emailed or sent in the mail a confirmation of signing up, or asked any demographic information such as income and so forth. The account closure was due to a glitch- or rather a scheme put forth by BofA . 

I've tried multiple ways and times to get this resolved, but BofA refuses to let me speak to any managers or file a complaint whenever I have tried. I am always told I will receive a callback and never do ; or get transferred back and forth between different departments because every departments says that they don't handle this, another department does. 

I went in the branch nearest to me, where they told me to call the credit card department. I called the credit card department, they told me to deal with collections department- I spoke w the collections department manager who told me I need to speak w an account manager in the credit card department. I spoke with two separate " account managers '' who were both equally rude, offensive, hostile, and helpless- and refused to let me speak to their supervisors. One refused to share her last name, XXXX, and the other XXXX XXXX out of XXXX, AZ who refused to tell me the governing authority over credit card institutions and refused to let me speak to his supervisor or even request a callback.
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

NATIONAL CREDIT SYSTEMS is reporting an account to my consumer report causing defamation to my character. NATIONAL CREDIT SYSTEMS has identified XXXX XXXX as the supposed original creditor for this alleged debt. I contacted XXXX XXXX and they informed me that they filed a XXXX Cancelation of debt with the IRS for this account and the account has been paid. NATIONAL CREDIT SYSTEMS is attempting to collect the same amount XXXX XXXX wrote off with the IRS. This is tax fraud and I will report you to the IRS. The IRS defines a written off account as income and income is NOT reported on a consumer report. NATIONAL CREDIT SYSTEMS is attempting to extort me by furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, I received a letter dated on XX/XX/XXXXXXXX XXXX XXXX from your company indicating that I had requested the credit card, which I never did recently to any credit companies and banks. I would like you to investigate this case number XXXX to protect the safety of your preferred customer and increase the reliability of your company. 

Sincerely,
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

These accounts listed are continuing to violate my rights as a living being. I have disputed these accounts several times before and requested that they cease and desist all communication and collection activities including communicating to me through credit reporting agencies. I have received a 1099-C from ( CANCELATION OR DISCHARGE ) Synchrony for each of these accounts listed below. Per IRS rules, these accounts are considered income and income is not reported on credit report. I'm trying to balance my books but Synchrony has made me victim to trafficking and using debt bondage to enslave me. I also rescinded portions of contract which includes rescinding any authorization I may have given to report any negative activity to credit report, rescinding security interest I may have given, rescinding any rights and titles I may have given up. I am going to file an arbitration claim with FINRA and file investigative complaints to SEC and IRS and XXXX. Per 15 U.S. Code 1681b a report only includes information by written instructions by the agent or principle of the credit report. FCRA 15 USC 1681a also states that credit reports can not have transaction history between consumer and person making the report. 

PayPal Extras Mastercard Account Number Ending in XXXX PayPal Credit Account Number XXXX in XXXX Ashley Furniture HomeStores/SYNCB Account Number Ending in XXXX Amazon Store Card Account Number Ending in XXXX Lowes XXXX  Card Account Number Ending in XXXX
Consumer complaint received 2022-06-10
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. (TX)

Re : Account number # XXXX I have previously disputed the accuracy of the information for the closed at my request and paid in full account with XXXX and all CRAs ( XXXX, XXXX, TransUnion ), however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts. 

The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Last reported Date last active Date of last payment
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX Account # XXXX has violated and has discrepancy 's that need to be removed immediately from my credit report. 

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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upstart Holdings, Inc. (CA)

Please find attached. I have asked Upstart for further cooperation due to the Covid-19 global pandemic and they want to increase my payments instead and mark me as late on my consumer reports if I do not pay them. Please find attached letter.