davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/year> I put XXXX cash into my account because I was going to pay my rent. Later that day I paid for my service dog paperwork for his class and XXXX XXXX  myself money so I could use the rest when I get home. While I was on the train I lost my wallet and phone. So the next morning I went down to the train station and asked them if they had anybody drop off a phone and wallet. They told me no and to wait a couple days for it to turn up because a lot of people turn around and turn items in. So I waited a week and the train station said they didnt receive any call or anybody walking in to turn items in. So I went to the bank and told them what happened and they told me to wait until my transactions posted to file a fraud claim. So I waited until that happened and then I called them on the XXXX of XXXX to file my claim. Then I waited until today to call about my updated information. Chase bank told me it was denied and I need to provide documentation. So when I asked what kind they did not specify and not being fully cooperative with me.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

I have reached out to Lexis Nexis and now I am writing to dispute several items on my credit report that I believe are inaccurate and incomplete. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate, fair, and substantiated. It is imperative that the information contained in my credit report adheres to the XXXX standards, which mandate accuracy and completeness. According to XXXX guidelines, I expect the investigation to be completed within 30 days of receipt of this. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the necessary corrections. As per the guidelines outlined in the XXXX Format, I am requesting a thorough investigation into the following inaccurate items on my credit report. Address on Bankruptcy doesnt match my address or any address I have ever had. XXXX. Banckruptcy XXXX  XXXX # XXXX XXXX. Bankruptcy XXXX  XXXX # XXXX
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CENTRAL BANCOMPANY, INC (MO)

I have overdraft protection, which I've been using since the crooked judge is allowing my abusive husband to stop paying alimony. 
My problem is, they return some smaller charges, then two days later, they clear a {$250.00} charge ( with no deposit on my account, but I'm still well below the threshold ).

No one can tell me why small monthly payments have been returned for the last two months while they go in to clear other items after returning the items. This employee should not have control over what gets returned. If I'm below the amount afforded for overdraft charge, then it should be cleared. I
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (MD)

I have contact XXXX XXXX  over 6 times in regards to opting out of having my information verified or shared. They are continuing to VIOLATE me and my rights. This is what I have sent to them and still have not gotten a response : XXXX XXXX c/o XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Demand to Cease Sharing or Verifying My Information To Whom It XXXX Concern, I am writing to formally demand that XXXX immediately XXXX and desist from sharing, disclosing, or verifying any of my personal, financial, or other information with credit agencies, third parties, or any other companies. At no point have I provided consent for XXXX to collect, share, or verify my personal data, and I hereby explicitly state that you never had, and never will have, my authorization to do so. 

In accordance with applicable privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), I am invoking my right to opt-out of all data sharing practices. Furthermore, I demand that you remove my information from any databases under your control that are accessible to third parties and refrain from including it in any future reports or verifications. 

I expect written confirmation from XXXX within 30 days of receipt of this letter that my information has been completely excluded from any third-party access, and that no further dissemination or use of my data will occur. 

Failure to comply with this demand will leave me no choice but to take legal action to protect my privacy and enforce my rights under federal and state laws. Please consider this letter as a notice of my intent to pursue all available legal remedies if you fail to comply. 

I trust that XXXX will treat this matter with the urgency and seriousness it requires. I look forward to your prompt confirmation. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (DE)

XXXX XXXX XXXX. Got a divorce. Called the company before I moved out of my old home and had it takes out of my name in XX/XX/2014. Apparently they didn't and trying to make me pay for electric when I didn't live at the residence. They said they would.
Consumer complaint received 2017-07-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

IQ Data International inc is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX/XXXX/2013 and that is untrue, nor does this company have an active license to collect any debts in the state of Washington. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XXXX and XXXX and they would not listen or try to resolve
Consumer complaint received 2017-07-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (LA)

As a single parent, I had no vehicle and my now XXXX brother helped me to purchase a vehicle to help me get back and forth to work to care for my kids. He assisted me with the monthly payments as well. When he was XXXX, I contacted Santander Consumer USA to request that my notes be lowered due to financial difficulty and to prevent having my vehicle repossessed because I could not afford it. It was enough knowing that my monthly notes were {$440.00} and my car insurance was {$380.00} per month because of my credit score being low. I had previously been through identity theft from a family member  who stole my information and made purchases and created bills that I had not been aware of, which resulted in no one wanting to give me credit. Santander denied my request to have my notes lowered or allow me to refinance the vehicle through another lender. I spoke with a representative who advised me that I could do a voluntary surrender of the vehicle and have all remaining debt waived due to my situation. At that point, I had lost my job because I took a week off for grievance and they denied my request and fired me. The rep told me that all I had to do was make a statement over a recording and I did so. They advised they would pick up the vehicle in a few days, which became a few weeks. The vehicle had been parked outside of my rent home and kept insured until they picked it up. Several months later I was notified that the vehicle had been sold and I was responsible for the remaining debt on it, which was {$11000.00}, in which I thought had been resolved due to the conversation with the representative. The account has been closed and written off but remains on my credit report and is negatively impacting it. I do not think that this is fair to myself, nor any other consumer and it is an unlawful practice of business. I cooperated with this company in every way and their vehicle was returned in like new condition as I received it, but because I no longer had any help with my car note and they could not find a way to help me, but lied and hurt my credit instead, I am now left to battle with getting this removed from my credit report.
Consumer complaint received 2017-07-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc. (TX)

On XX/XX/XXXX, I received emergency medical services from XXXX XXXX of TX. In early XX/XX/XXXX, XXXX XXXX merged with XXXX XXXX XXXX ( XXXX ). At the time of my service, I paid the required {$250.00} fee and my health care provider, XXXX paid all other charges. In mid-XX/XX/XXXX, I received notification from a collection firm entitled, AMCOL, XXXX XXXX XXXX, XXXX, SC - ( XXXX ) XXXX. They indicated that they were retained by XXXX to collect {$250.00}. I explained to them that I had inquired with XXXX and learned that all fees had been paid and that I owed nothing. I also sent in a written letter, via US Mail, to dispute of this charge. This apparently went on deaf ears and AMCOL continued to attempt contact with me. I again called them and informed them of the wrongful charges. While on vacation onXX/XX/XXXX, my credit monitoring service, XXXX, informed me that I had at least two collection account, XXXX and XXXX that had been added to me credit bureau report. <P/>On XX/XX/XXXX, I called XXXX to request additional assistance and their representative name XXXX and I got on the phone with XXXX 's representative named, XXXX. XXXX looked at my account and immediately stated that this account was sent to AMCOL in error. She stated that my account had been paid in full. On another line, XXXX called AMCOL and spoke with XXXX to have this account removed from further action and to also delete the wrongful collection notice that was erroneously reported to the credit bureau companies. XXXX stated that I would be receiving a formal letter from XXXX along with the AUD number which would confirm that this collection account had been removed from my credit bureau reports. XXXX indicated that she would call me by XX/XX/XXXX and inform me regarding the AUD number and that my CBRs would be cleared of this wrongful entry made by AMCOL. <P/>As I write this complaint, nothing has taken place and I am extremely concerned and frustrated. I have always paid all of bills and I have been blessed with an XXXX credit score. I do the right thing and I am appalled by this treatment.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (SC)

Based on, 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. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account in violation not reporting accurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts has violated my rights. Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 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
Consumer complaint received 2017-07-01
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. (OH)

I did not ask for a security freeze to be put on my credit The problem is the verification/validation Equifax did not verify the XXXX XXXX collection and XXXX XXXX. account on my credit. XXXX is not a valid form of verification. XXXX XXXX and XXXX XXXX is third party collection agencies they do not have my full social security number. Identity theft is so easy especially through the hacking of computers. I have contacted XXXX XXXX with a validation letter and have not gotten a response so therefore I know you did not contact them verbally and speak with someone because I was told that the Equifax representatives are not allowed to call the creditors nor the collection agencies. I sent Equifax a method of verification form that was never filled out.. Once again XXXX is a web based automated system the Equifax use . That is not verifying this account. I will be contacting the president of Equifax XXXX XXXX XXXX if these accounts are not removed immediately. The accounts not verified nor validated are XXXX XXXX and XXXX XXXX.
Consumer complaint received 2017-07-01
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. (ID)

I have contacted Experian several times, faxed written requests, copies of my drivers license, social security card, and utility bills as they have requested. I 've also contacted Experian via phone to discuss the fact that the addresses and names they are reporting on my credit is inaccurate. I 've placed a fraud alert on my credit and was told that the incorrect names and addresses would be removed from my credit report. As per the credit report from Experian on  XXXX   XXXX ,  2017  ; incorrect names and incorrect addresses are being reported on my credit report by Experian.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc. (OH)

I seen an advertisement for a credit building App called Kikoff so Towards the end of last year, I started an account with them, and on their app, In which I had to pay {$25.00} until I reached XXXX and they would report it every month that my payments were made on time. The problem is here they actually hurt me when trying to purchase a car because I was told they were reporting on my credit that I have an outstanding balance on a credit card where I dont even owe anybody anything and I dont have a credit card like Im literally giving them my money so Im confused because I was denied for the vehicle That I wanted and I only have {$500.00} to put down which wouldve been fine until discovering this and it bumped up to {$2000.00} but when I called them they act like they dont know what Im talking about. I dont understand how somebody could advertise to help your credit when they just hurt me financially due to this situation now I have no transportation to work Unless I come up with XXXX more dollars Because of Kikoff XXXX that was it, I was told everything else looked at perfect and was verified
Consumer complaint received 2017-07-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

My bank will not send requested information to a company requesting it ..in a timely manner. This is causing issues with returned checks and nsf fees. Also my bank is returning items when my account has the money to cover it and then charging me fees for them being returned. They do not show the items being returned but show the fees for the items in my account activity. I have also disputed a charge and have had to call them twice about it and still nothing has been done and the charge was done I believe on XX/XX/XXXX to a card that was reported stolen and no longer active. I 'm still waiting to hear from someone.
Consumer complaint received 2017-06-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

Today, right after XXXX I answered a phone call from an unknown name. It was Commenity Bank in reference to my XXXX Credit Card. I explained as I had a couple of days ago that I am out of work. They had previously offered to take my money out of my account and they read off part of my checking account number. I explained this morning I am out of work and do not have the money. The rep asked why I was past due after I had explained so I said good bye and terminated the call. The phone rang a couple of hours later from an unknown caller I.D . and I knew it was them again and did not answer it. They called again around XXXX XXXX and I answered it. I explained that I had advised them this morning I had no money and was out of work and was going to file a complaint. The complaint is for harassment. It is XXXX enough being out of work and being unable to pay, with out after having explained it, they continue to call and not even just one time a day.
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation (CA)

We purchased our home on XX/XX/XXXX, 2015. We opted to set up an impound account. It seems Academy Mortgage, XXXX XXXX XXXX XXXX, NJ XXXX, was unable to accurately figure out the taxes that should have been made for this home. They based their figures on the sellers original purchase price not the purchase price we paid for the home. They sold the loan approximately 18 months later and still at that time had not figured out they were not collecting enough for the county taxes. They told me it was my responsibility to figure that out. I thought that is what they are being paid for to figure this type of thing out. So now they managed to completely eat up my reserve account, the new lender was able to figure this out almost immediately and it is now costing me {$300.00} more a month to fix their computing errors. I do not understand why it is so difficult to figure out 1 % of a purchase price for county taxes. It seems fairly straight forward and simple. I was able to figure out what the impound account should have been within less than a minute. If these people are being paid to competently secure a home mortgage it seems they should at the very least be able to compute basic math and understand how county property taxes work. We are fortunate that is n't going to be a total hardship for us, but it could make a huge difference for other home buyers. I have purchased six homes in the past and have never had this sort of issue with a lender. It is completely unacceptable business practices and they really need to be investigated for their lack of competence. <P/>As an additional concern was they were not able to pay my tow insurers either. I had to pay the flood insurance myself, because they managed to not send the payment to them either. This mortgage lender needs some retraining to service loans correctly and manage impound accounts.
Consumer complaint received 2017-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX,2017 there was two withdraws from chase my primary checking account for a total of XXXX.I wasnt aware of this until friday XX/XX/XXXX and contacted the bank about this situation.The bank gave me a temporary refund and said they would investigate it/The bank asked me to fill out a form that they mailed to me, which i did.On XX/XX/XXXX I received a text alert that my funds were low.I called the bank and i was informed that they reversed the funds that they had put back into my account .I was told by the service rep that it was determined that the card the atm card used was mine and that I had either given it someone or they used my card.I did neither and tried to explain it to them but was told that was the case.
Consumer complaint received 2017-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OH)

American Express annual fee which I have repeatedly requested a copy of the application which they state I signed indicating authority to charge an annual fee which I have not although for the past five years or more they continue to bill this fee each year indicating the same response that they will send my executed copy of the application-The latest charge was on XXXX XXXX 2017 in the amount of {$95.00} each year.
Consumer complaint received 2017-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received publication in the mail regarding re-financing my vehicle. I went to  XXXX   XXXX   XXXX  to discuss options ... EXPLAINED up front ... " Do not run my credit report all over the globe ... Just with my current loan provider "  XXXX   XXXX  ''. I started receiving rejection letters from an  XXXX   XXXX  in regards to my request dating  XXXX   2017 . I have  XXXX  inquiries from an  XXXX   XXXX , an inquiry from an  XXXX   XXXX , and inquiry from  XXXX  and a  XXXX   XXXX . I was adamant about inquiries because I am cleaning my credit for preparation to purchase a house. I have a long way to go and I do not need additional problems. Any assistance would be greatly appreciated.
Consumer complaint received 2017-07-01
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. (ID)

XXXX XXXX XXXX XXXX/XXXX is reporting that I was 90 days late on my student loans in XXXX  2011. I have mailed letters and have contacted XXXX XXXX XXXX XXXX/XXXX numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that XXXX XXXX XXXX XXXX/XXXX provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. XXXX XXXX XXXX XXXX/XXXX  do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the XXXX XXXX XXXX XXXX/XXXX is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the 3 credit bureaus.