davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SANDY SPRING BANCORP, INC. (MD)

This is a follow-up to complaint XXXX which I want to update and require new documentation from Sandy Spring Bank to fix the issue. 

Background -> Original mortgage ( XX/XX/XXXX ) from Sandy Spring Bank was sold/transferred to be managed by XXXXXXXX XXXX XXXX  starting XX/XX/XXXX. 

I made an initial payment to Sandy Spring Bank of {$25000.00}. {$5600.00} towards XXXX mortgage payment and {$20000.00} towards the principal balance. This was cashed by Sandy Spring on XX/XX/XXXX. I attached the cashed check record. 

Sandy Spring Bank transferred funds to XXXXXXXX XXXX XXXXXXXX. XXXXXXXX XXXX XXXXXXXX only processed my {$5600.00} payment for the XXXX due date but not my additional {$20000.00} towards my principal balance. 

XXXX ask me to reach out back to Sandy Spring Bank. I was provided this contact at Sandy Spring Bank - XXXX XXXX XXXX XXXX  Mortgage Accounting and Analytics Manager XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX | XXXX In XXXX, XXXX tells me over the phone that the XXXX principal payment sent over initially was not cashed by XXXX. He informs me that then he wired the {$20000.00} to XXXX on XX/XX/XXXX to account ending XXXX at XXXX. 

XXXX was investigating ( over 60 days ) and my {$20000.00} payment had been unaccounted for over 100 days. XXXX finally located the {$20000.00} on XX/XX/XXXX ( over 120 days ) and is recording I made this payment on XX/XX/XXXX when it should have been applied for the XXXX payment date. 

I am requesting Sandy Spring to provide documentation to me and XXXX- my final loan balance after my first month and additional $ XXXX principal payment. I can also forward to XXXX this record as they claim Sandy Spring did not provide this information correctly. 

I have not been able to reach or get a reply from Sandy Spring Bank point of contact XXXX XXXX for over 30 days via email or voicemails. 

Sandy Spring Loan ID # XXXX XXXX XXXX ID # XXXX
Consumer complaint received 2024-09-23
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (IL)

The Ulta XXXX thru bread financial was paid in full and account closed. For the past XXXX months they keep charging fees and random {$2.00} charge. There should be no further activity on this account. They are scamming for every nickel and dime. These charges seem predatory.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MI)

Hi, my name is XXXX XXXX. DOB XXXX. 
My Address is XXXX XXXX XXXX, XXXX, MI XXXX. 
My email - XXXX Phone - XXXX I had a XXXX with XXXX XXXXXXXX but since i left my job, i was planning to move it chase investment account. ( Direct rollover ) I already had an checking account with chase bank. 
I contacted XXXX XXXX & got the check from XXXX XXXX went to a chase branch at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI. 
I being helped by a banker to deposit the check. But, after 2 days i got a secure massage from chase that my check has been rejected. So i called chase customer service, they told me to write my name of back of check and deposit it again. So i did. The check was being on hold for several days before it's cleared. 
But, after a few days i saw my checking account is gone. I called chase customer service, they said they closed the account because they couldnt verify the check. They need to verify the check. 
So i get back with XXXX XXXX  ( formerly j.p morgan retirement plan service ) they provide me 3 numbers to contact them. 
( Numbers provided by XXXX XXXXXXXX, XXXX, XXXX ) I provide these numbers to chase customer service few times, but everytime they saying It's not a valid number. 
While these numbers are listed on their website and anybody can contact them. 
Surprisingly, chase customer service couldnt. Upon talking with chase customer service & XXXX XXXX customer service, i being told that chase already cashed my check. They already got the funds from XXXX but they're not gon na give it to me. 
It's my hard earned money but chase don't want to give my money back. 
I been in the same loopholes for several days now. Customers service arent helping me. I don't know where to file an official complaint about my money that being held by chase because they couldnt verify. 

I deliberately try solv the issue but chase bank isn't helping me nor giving my fund back. 

Thank you.
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC (NY)

This company Credit control , LLC Duba Credit control & collections LLC has consistently been contacting my friend 's cell phones. Disgusting my debt, and today my friend reached out, asking me who are you owing money to because some lady just called me and discussed your entire finances. Gave them settlement amount and told them they can settle for XXXX of the price but we leave a good remark on the credit report After speaking to the lady had manager advisor, why are you contacting people that have nothing to do with my debt. She on a recorded line, admitted that I am not XXXX and whoever the other person Is that she's talking to is not me she discussed my dip with third-party people over and over again I have advise them to reach out and ask for FTC regulations. Not only did she discuss my debt with an associate, but also kept threatening to obtain the new living address of me. Incorrect information threatening on the phone, discussing my debt with third-party people. She has already broken the regulation set out for phone and collection companies. invalid due to incorrect information. On XX/XX/2023 they spoke two different parties of the company breaking FTC guidelines
Consumer complaint received 2023-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Hello, I was instructed by my case manager at My Charge Back to submit a complain here because I was scammed in XXXX and it has been difficult for them to get a solution from the scammer 's banks. 

I was scammed by a guy called XXXX XXXX. At that time, I didn't know him but he kept talking to me until he got my trust. After 4 months he asked me if I could store his belongings at my place for a period of time until he get out of the military which I accepted. After three days a company, named XXXX XXXX XXXX, contacted me to verify my information and out of a sudden they asked me to send money to pay for the belongings which I declined at first because I only had to receive the items. Then I was threatened several times and they said that if I don't make the payment I will get in trouble with the authorities ( FBI ) because there is " money '' in the box XXXX XXXX sent. I was so confused and I didn't know what to do and because I didn't want to get in trouble with the authorities I ended up paying the money. Since then, they came up with stories which I believed and I paid all the money they asked for until I put a stop on this in XX/XX/XXXX. I reported this to the local police and also I contacted and paid a private company to investigate them. Come to find out they don't exist and they are scammers from XXXX. I believe they work with other XXXX located here in the US because the bank account names are XXXX. The private company contacted My Charge Back and they are assisting me in my case too. My Charge Back contacted a lawyer they work with and the lawyer wrote some letters, in XXXX and XXXX, on my behalf to the banks. I attached those letter, a police report, and the private company 's report about their findings during their investigation. Also, I attached the wire transfers and other documents for more details. 

Summary of the money sent and to whom : 1. XX/XX/XXXX for {$5700.00} sent to XXXX XXXX 2. XX/XX/XXXX for {$6900.00} sent to XXXX XXXX XXXX 3. XX/XX/XXXX for {$18000.00} sent to XXXX XXXX 4. XX/XX/XXXX for {$12000.00} sent to XXXX XXXX XXXX If you need more information please contact me for further details.
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (MI)

I have made multiple futile attempts to dispute the fraudulent items with you. Your correspondence stated that the account in question " WAS PREVIOUSLY INVESTIGATED. '' I diligently accessed my Credit report through your respective websites and obtained copies of the information pertaining to : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : PROGRESSIVE ) XXXX Balance : {$240.00} U.S. Bankruptcy Court XXXX  XXXX bankruptcy Reference # : XXXX. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( a ), it is mandated that upon receiving a dispute, each consumer reporting agency must conduct a free reinvestigation, accurately record the current status of the disputed information, or remove the item from the file within 30 days. This timeframe commenced on the date the dispute was received, and unless the account is deemed frivolous or irrelevant, there has been no indication that my dispute falls under these categories. Yet, the item continues to persist on my file with a mere last investigation. Given this information, I demand the immediate deletion of the disputed accounts from my Credit file in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT entertain another reinvestigation of the account ; ONLY deletion will be acceptable.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CarMax, Inc. (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-05-20
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. (FL)

I am writing to urgently request the removal of fraudulent accounts, names, and addresses from my credit report in accordance with Consumer Law 15 U.S. Code 1601 and 15 U.S. Code 1681s2. Upon careful review of my credit reports, I have identified multiple accounts, names, and addresses that are invalid and have been wrongly reported. These inaccuracies are significantly impacting my creditworthiness and financial well-being. I kindly request your immediate attention and assistance in resolving this matter and ensuring that my credit report remains equitable to me.

Account Information, Names, and Addresses to be Removed : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that resolving disputes may take time ; however, due to the urgent nature of this matter, I kindly request that you take immediate action to remove the disputed accounts, names, and addresses from my credit reports within 4 business days. It is crucial that my credit report accurately reflects my creditworthiness and financial status, as mandated by Consumer Law 15 U.S. Code 1601 and 15 U.S. Code 1681s2. 

I have provided supporting documentation, including proof of my correct address and any other relevant information, to aid in the swift resolution of this dispute. I implore you to review the evidence provided and expedite the necessary actions to rectify these errors within the specified time frame. 

Furthermore, I remind you that according to 15 U.S. Code 1681s2, 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. It is imperative that accurate and up-to-date information is reported on consumers ' credit profiles, and any violations should be promptly addressed to protect consumers ' rights. 

I appreciate your immediate attention to this matter and expect a written confirmation once the disputed accounts, names, and addresses have been removed from my credit reports within the requested timeframe. It is my expectation that my credit report remains equitable and reflects accurate and valid information. 

Thank you for your urgent cooperation and assistance in resolving this dispute. I look forward to your prompt response
Consumer complaint received 2023-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WA)

This bank is a disgrace. i have been complaining about abusive fees since 2022 and they only refund me XXXX dollars???? AN ABSURD, a disregard for the customer. they want to shut us up. Wells Fargo, look at my statements from 2022 until now and see how many fees I've paid, these are abusive fees. how dare you give me back ONLY XXXX dollars???? this is absurd, terrible treatment, they treat the customer like an XXXX.
Consumer complaint received 2023-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (CA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX  XXXX Balance : {$630.00} XXXX  Inquired on XX/XX/2023 XXXX
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

I am filing a complaint against Jefferson Capital Systems who has illegally accessed my personal financial information and used it for their own gain. They have underhandedly used the following set of USC Codes to obtain debtor information in order to collect on a debt that I do not owe : 15 USC 1692e, 1693-1693r, and 1693e. 15 USC 1692e of the Fair Debt Collection Practices Act, states that debt collectors are prohibited from using false, deceptive, or misleading representations when collecting a debt.

The Fair Credit Reporting Act, as outlined in 15 USC 1681-1681u, sets standards for credit bureaus and third-party debt collectors to maintain consumer credit information. It also requires them to provide debtors with accurate credit reports and dispute inaccurate information.

Furthermore, the Unfair or Deceptive Acts or Practices Act ( UDAP ), as stated in 15 USC 45-56, prohibits Jefferson Capital Systems from engaging in unfair or deceptive practices when collecting a debt. This includes misrepresenting the nature of the debt or the amount due.
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX. 
Last 4 of XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX allegedly opened XX/XX/XXXX Credit Bureau Names XXXX and Experian To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, incomplete inconsistent, noncompliant, and false information about me. I have sent in letters asking for validation and verification of the debt how the debt was verified and validate what supporting documentation was supplied to validate and verify the debt who verified and validate the debt and nothing was supplied by XXXX or Experian WHICH VIOLATES 15 USC 1681 FCRA REQUIREMENTS. The following alleged account is listed as a collection with a PAST DUE BALANCE of XXXX balance owe XXXX as if XX/XX/XXXX with Experian and XXXX past balance XXXX with a balance of XXXX XXXX XXXX ALLEGEDLY OPENED XX/XX/XXXX. This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX  COMPLIANCE regulations, I have the right to a fair consistent, complete and accurate credit report, and you are required to remove any information that is not true, accurate, consistent complete compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an proper investigation on this account and the laws it violated.There is also false inaccurate, incomplete and Inconsistent payment history balances past due balances both account which is also in violation of 15 usc 1681 and Metro 2 compliance regulations have been updated by creditor XX/XX/XXXX please see supporting documentations
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I refinanced my home in XXXX XXXX, with my first mortgage payment due XXXX XXXX, XXXX. In XXXX I received notice that my mortgage was transferred to XXXX XXXX XXXX XXXX and would be serviced by Specialized Loan Servicing , LLC. I tried to make an account, but could n't, and as it was nearing the time I would need to make my first payment, I called to find out what was going on. The lady told me that since the effective transfer date was XXXX XXXX, the info was n't in their system yet and that they would mail me all of the info when it was in their system. I asked how what to do about my first payment, and she said that I could pay it once they had things set up, that there were no penalties of any sort for being late after being transferred, so not to worry. I waited and waited for the info packet to arrive, and finally on XXXX XXXX I gave up and called again. It turned out they had just put it in their system ( and I finally received the info in the mail a couple of days later ) so the lady was able to help me get my account set up. I immediately went ahead and paid my XXXX and XXXX payments. I noticed there was a " one-time payment fee '' of {$10.00} automatically added and thought that was steep, but it would n't let me set up auto-draft yet as I was " behind '' so I just paid it. The next time I went to make a payment, I was deciding between a one-time payment and auto-draft and noticed that there was no fee this time. When I looked at everything closer, that is when I discovered that the " one-time payment fee '' of {$10.00} was only for when you were paying XXXX15 days late. So even though I called well before my payment was due and was assured there would be no penalty ( as there was really no way for me to pay yet ), and I paid BEFORE they even sent me the info to allow me to set up my account ( as I had gotten impatient and called again ) THEY STILL CHARGED ME A LATE FEE. I emailed them about the matter and received no response. I forgot about the situation until recently receiving a notice that my loan is again being transferred. I once again emailed them about the situation, and once again received no response.