davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On Saturday XX/XX/2021 I made a deposit with a representative at the Chase Manhattan Bank, XXXX XXXX XXXX, XXXX NY XXXX. One check was a bank check from XXXX XXXX XXXX in the amount of XXXX. The other a Federal Check in the amount of {$600.00} Chase held on to the money for 4 days and has refused to credit my account. I personally went to the bank with my Chase Debit Card and provided the checks to the Chase Representative. Chase is hanging on to my money and I have absolutely no use of the money.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc. (AZ)

On XX/XX/2020 Bureau of Med Econcs added XXXX derogatory marks on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a WRITTEN signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Bureau of Med Econcs has violated my rights as a consumer and I'm requesting legal action to remove the account immediately
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

I have been a victim of fraud in checking my credit report I have over 47 inquires on my credit reports. I have sent information to all the credit agencies. Nothing has come off as of date. I have attached my police report on this matter.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (NY)

I am writing today in regards to my account with WF CRD SVC account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

This is a follow-up from my complaint from Friday XXXX My complaint number is XXXX. I am also filing a new complaint to BOA which owes over XXXX dollars and for some reason they think I owe them!!!! They took out XXXX dollars out of my Unemployment check!!! the first time I got to received the extra XXXX. That is my RENT MONEY!!! There is a federal regulation that states that right??? 

Please help me I have been dealing with them on my claims for the last 4 1/2 months and I have not gotten satisfaction thru the Bank Of America, Now they are taking my unemployment money from me!!!! They cant do that ... ... ... I am also sending along copys of my bank statements to you for further documation Please help me I have been holding off rent only paying half, waiting for the extra XXXX from the goverment they cant take my unemployment when they owe over XXXX in claims, I was told by a supervisior that my claim for XXXX XXXX was done by me. How can they know that when it was done on line ... .XXXX XXXX told me this when I inquired this pursurse on XXXX there was a retured from XXXX XXXX on XXXX for XXXX and XXXX which the total was XXXX OK but the total for the entire pursurse was for XXXX so the bank owes me still XXXX and they closed it really???????? 


Thank You for your time, XXXX XXXX
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( PORTFOLIO RECOVERY ASSOCIATES ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( PORTFOLIO RECOVERY ASSOCIATES ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the State Bar Association and Professional Liability Fund for code of ethic 's violations.
Consumer complaint received 2021-01-25
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: EQUIFAX, INC. (NY)

Equifax, XXXX  and XXXX  have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MN)

XX/XX/2021 : Employee was misleading and dishonest when setting me up with my credit account for this. He didn't explain terms or anything like that and didn't give me any information until after the transaction was made and I asked for it. I didn't even realize it would be a credit card ( and not just a store credit account ) until the transaction was complete. He also said I could pay off the balance right away online or by phone but I haven't been able to do that yet since Synchrony is still setting up my account. 

I felt like he was trying to pressure me to sign up without fully disclosing the terms or costs. 

I sent an email to them on XX/XX/2021 expressing my dissatisfaction.
Consumer complaint received 2024-08-20
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : [ XXXX XXXX XXXX XXXX  ; Account Number : # XXXX ], has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MI)

I have a mortgage with BB & T and despite having a condo Flood insurance policy, the mortgage company has been charging me flood insurance. 
Multiple calls confirming that I do have insurance have been unsuccessful. The last attempt on XX/XX/XXXX confirmed that I did indeed have insurance and I was promised a revised billing schedule and a retroactive credit and adjustment based on the fact that I had incurred unwarranted monthly charges starting in XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter stating that my last mortgage payment was short by {$150.00}. BB & T is not acting as normal lender but like a debt collection agency more interested in collecting insurance and late penalty than servicing their customer 's loan.
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (WV)

XX/XX/2020 cable box failed. XX/XX/2020 phone service only allowed outgoing calls. Repeated phone calls to address problems were dealt with hang-ups. Asked for technical assistance resulted in hang-ups. Ask to remove services, denied, could only upgrade or purchase pay-for-view. Ask to speak to supervisor or manager ended abruptly with hang-up. Asked to cancel all my services, no one had the authority to do so and ended with hang-up. Was told I could cancel services through website, that was incorrect. Website said would have to talk with customer representative and gave a phone number to call. That always ended with a quick hang-up. I had a months credit paid and no way to cancel service or fix services. They used up credit and continue to charge for services I didn't receive. Now they want defective cable box so I can't prove that I was without tv services but I have refused to return till issues are resolved. A registered letter with self return signature requested explaining problems and request to be reimbursed for the {$150.00} credit now has resulted in a collection agency threatening legal action unless debt of $ XXXX is paid in full.
Consumer complaint received 2021-01-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I closed a self-directed Merrill Edge account that has been open for 5-10 years. I was not made aware of any closing fees for transferring this small account. I noticed on my account history there was an account transfer fee ( ACCT TRF FEE - {$49.00} ) which I was not notified I would have to pay. I called and spoke to a representative and complained and they would not reverse the fee. I escalated to a manager who refused to take any action to fix the situation. I feel powerless to recover this fee and Bank of America knows people won't take the time to bring up these egregious fee practices.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I wrote the company and I just reread the information in writing and they still asked me to send an ID and Social Security card but the information got deleted from XXXX XXXX and XXXX XXXX XX/XX/XXXX which is wrong we have fresh finger hair in I also sent the company a police report on explaining that it was identity theft and from an individual with the same common name because my name is a very common name in XX/XX/XXXX on XXXX  XXXX XXXX was removed andXXXX XXXX, 2021 XXXX XXXX XXXX XXXX was deleted from XXXX XXXX and also aqua fax home in the file idea XXXX I would like a update To my credit profile and delete the incorrect information that can not be verified my signature on it youre not at itemization data sheet
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I applied for a mortgage refinance with 5/3 Bank, with XXXX XXXX XXXX NMLS ID # XXXX ) XX/XX/XXXX. As of writing, XX/XX/XXXX, my loan is still not processed. While undergoing this process, I applied for a loan refinance with another bank on XX/XX/XXXX, which closed on XX/XX/XXXX. 

Initially process went smoothly, spoke with XXXX XXXX on the phone, submitted application online, and shortly after was asked to submit additional documentation. Nothing surprising or out of the ordinary yet. In XXXX, I started being asked for the same documentation I had supplied in literally the email that was being replied to by XXXX XXXX, the mortgage processor. The process was taking so long they had to pull my credit report again. This is when I applied with another bank. Email responses started taking weeks in XXXX and XXXX. XXXX XXXX would not answer phone calls during normal business hours, and would not call me back in response to direct email asking for a call. 

To highlight the gross ineptitude shown, employment verification was needed from my previous employer. I spoke to the employer 's office manager, so this was something they were waiting to do. An email sent to the employer on XX/XX/XXXX could not be opened by the office manager. They replied on XX/XX/XXXX with this information. On XX/XX/XXXX XXXX XXXX asked XXXX if a form could be sent. On XX/XX/XXXX, I sent a follow up email. On XXXX, XXXX replied that she asked if could be faxed. I'm not sure who she asked, because it was not to me or the office manager. Only on XX/XX/XXXX did she mentioned she needed a fax number, which she stated was requested ( but I have no emails from her requesting that ). So it took almost 1 month for someone from 53 to verify my employment, which required me to send multiple emails, phone calls and personally provide information that should have been requested/coordinated by the bank. 

I don't know if 53 bank does not wish to lend to me because of my race, religion, name, sex, whatever ; maybe they are so busy that refinances take more than 6 months for everyone ; this is just a case of gross incompetence ; or if this is a combination of all of the above. But at this point, another bank took <30 days to do what 53 could not complete in >6 months. I consider them to have abandoned my application and am requesting a refund of my {$450.00} loan application fee.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I wrote the company and I just reread the information in writing and they still asked me to send an ID and Social Security card but the information got deleted from XXXX XXXX and XXXX XXXX XX/XX/XXXX which is wrong we have fresh finger hair in I also sent the company a police report on explaining that it was identity theft and from an individual with the same common name because my name is a very common name in XX/XX/XXXX on XXXX  XXXX XXXX was removed andXXXX XXXX, 2021 XXXX XXXX XXXX XXXX was deleted from XXXX XXXX and also XXXX XXXX home in the file idea XXXX I would like a update To my credit profile and delete the incorrect information that can not be verified my signature on it youre not at itemization data sheet
Consumer complaint received 2021-01-25
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. (NJ)

The XXXX XXXX address that is listed on my credit report - I have never resided at that residence. This item needs to be removed - there have been several instances in which I get asked security questions about this address as if I lived there. The other addresses that are listed are correct. I asked this items to be removed before and i dont believe it was fully removed. across all reporting agencies.
Consumer complaint received 2021-01-25
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. (AL)

talked to XXXX at XXXX XXXX XXXX acct XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX ; phone XXXX, only to be told i should filed a disputed claim with experian. need to correct addresses, name, and date of birth. seem XXXX  XXXX # XXXX has sold a debt to XXXX XXXX XXXX. XXXX  XXXX has placed on my experian credit report. have NO knowledge of and have Never used XXXX XXXX ; they sould be looking elsewhere. Have ask XXXX XXXX XXXXXXXX to remove the credit item from my history XXXX as of XX/XX/2021 ).
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (LA)

Because of the low principal balance on my mortgage Chase Mortgage informed me that I could place my Homeowners Insurance myself. However, they did not tell the insurance department of Chase who went ahead and also placed a policy. Which when cancelled incurred a {$720.00} short rate charge. This also happened the year before! Please advise?
Consumer complaint received 2021-01-25
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. (FL)

I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.
Consumer complaint received 2015-09-11
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LD Holdings Group, LLC (MN)

A company named Loan Depot called me more than 8 times after I repeatedly told them to remove my information from their call database. I also indicated that they are harassing and terrorizing me. They allege I solicited s request for a loan and I never did. They are allegedly based in XXXX but the phone number I have on caller id is XXXX based XXXX. 
When asked for a central number they provided XXXX XXXX XXXX which goes to an operator. The customer care line at XXXX XXXX XXXX also goes to voicemail, where I am supposed to provide my phone number and name for them to contact me. I did not request any funding from them or the website they allege they got my information from, XXXX.