davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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/2022 I went to pump gas at XXXX XXXX in XXXX Illinois, I was advised my debit card transaction was being declined by the gas pump. I went to another gas station and same issue persisted. I drove to the Chase branch on XXXX XXXX in XXXX Illinois XXXX spoke to an XXXX XXXX XXXX at the branch who told me the debit card was unblocked and good to use now. On XX/XX/2022 I went to XXXX to buy breakfast and was declined for reason of debit card being expired. I went to the XXXX XXXX XXXX branch to inquire why this was happening a second day in a row if on XX/XX/2022 I was told it was resolved. I am now being told the card was cancelled on XX/XX/2022 and a new one was ordered to be delivered to my address. I never requested my current debit card to be cancelled and a new one mailed. The employee at the XXXX branch took it upon herself to do that without my approval or knowledge. Now I have to go this XXXX holiday without a debit card and its very very very inconvenient.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

My checking account had 2 unauthorized transactions made in XX/XX/XXXX and XX/XX/XXXX at a XXXX merchant that I haven't authorized. The transaction amount was {$160.00} for each totaling {$320.00}. I contacted the Bank ( JP Morgan Chase ) for the same and they have rejected the claim and said to work directly with the merchant.
Consumer complaint received 2019-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

It appears XXXX XXXX left the mortgage business in XX/XX/XXXX. Our mortgage was transferred to Shell Point/New Penn/NewRez- the company has changed names three times since XX/XX/XXXX. For the sake of this communication we will call the company by current name, NewRez. 

We had been processing our loan payment monthly but beginning XX/XX/XXXX began sending money weekly on Fridays. NewRez incorrectly processed the hazard/home insurance payment in XXXX XXXX in the amount of {$7300.00} instead of {$3600.00}, NewRez ignored the home portion and paid the full insurance bill that included our auto policy. NewRez re-calculate the Escrow for XXXX based on this incorrect amount and increased the monthly payment due by from {$2700.00} to {$3500.00}. It took from XXXX through XXXX to work through this incorrect payment and what happened. It was myself and the insurance company ( XXXX ) that proved to NewRex the error. 

The monthly loan amount due was finally corrected once NewRez updated the Escrow, we still have not received the XXXX Escrow Analysis. We began sending weekly payments on XX/XX/XXXX in the amount of {$690.00}. As of XX/XX/XXXX, NewRez has received 38 weekly payments totaling {$26000.00}. See attach documentation of these payments from XXXX XXXX. The monthly payments from XXXX was {$2700.00} and from XXXX should be {$2800.00}. Our account should reflect we have {$1000.00} towards XXXX payment. NewRez needs to accurately reflect the monthly payments and the account will be updated. We also should ha

ve zero late payments. We have looked to other mortgage companies but we will have t
o pay the fees to move companies. We don't want to be with NewRez. There is no brick and mortar or person to speak to. We've been bombard with stupid letters that state NewRez has received our correspondence but nothing. After sending two more forms of communication to NewRez, we researched to see where we could file a complaint. We have excellent credit ( XXXX & XXXX ) and to continue to see late payments or receive collection calls is humiliating. We wish XXXX XXXX would've allowed us to choose the mortgage company and now would request NewRez pay the fees for us to move our loan elsewhere.
Consumer complaint received 2019-06-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XX/XX/2019, we notified USAA about an unauthorized deposit into our account We were told they would lock our acounts and investigate the situation. Somehow the hackers were still able to take the money out after being locked ( what usaa said ). We called them several times for a status. On XX/XX/2019, they unlocked our accounts. We noticed we were charged for the fraudulent charges. The fraud department said that my phone was hacked by terrorists and the money was sent to an offshore account. But they faulted us for it. We've been banking with this company for 15 years. Where was our protection? Why are we being charged for something we had nothing to do with it. They told us had we not had over draft protection on our credit card/accounts, they would've closed our accounts, froze our assets and reported us as frauds. That is not ok. I dont need your workers telling us that we were lucky that it was a small amount. No matter the amount, it shouldn't have happened to us. Did you check the signatures? The origin of the deposit or withdraw? You were supposed to protect us!
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Receivable Services (MN)

to whom it May Concern this letter is being sent to you via the Cfpb website in response to a noticed that you sent to me on XX/XX/2019 Be advised this is not a refusal to pay, but a noticed sent in pursuant to the fair Debt collection practices act 15 uc 1692g sec 809 ( 8 )  stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address But a request for Validation made pursuant to the above- name title section 1 respectfully request your office to provide me with competent evidence that I have legal obligation to pay you. I will need for you to provide me a copy of what the patient was seen for what test was performed suck as lab work x-rays etc.. which Doctor saw the patient. at the time I will also inform you that if your office have have reported invalidated information to any of the three reporting agencies this action might constite fraud under both federal and states. due to this fact, if any marks is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following violation of the FCRA violation of the FDCPA if your office are able to provide the proper documentation as requested following declaration I will require at least 30 days to investigate this information during this time. collection activity must cease and desist I will be awaiting your response. thank you
Consumer complaint received 2022-11-23
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)

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. 

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 XXXXXXXX the above 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 an 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 or 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 2022-11-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

Hello, I am a co-signer on an account with American Honda Finance XXXX. I am seeing late pays showing up on my credit report but have never been notified of anything being array. I would have made the payments if I knew a bill was due. I never got any calls or mail sent to me letting me know the account was late.
Consumer complaint received 2019-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (IL)

In XX/XX/2017 I switch cell phone companies. From XXXX XXXX XXXX to XXXX. I attempted to contact XXXX XXXX XXXX   several time within 14 days of my switching carriers to return the phones from my plan. I was not successful in receiving return labels or getting a call back/follow up from their customer service. The account was sent to collections, I paid the balance of my final bill to the first collection agency that was assigned. I also made the first agency aware my attempts to return the equipment and received no help. The agency was supposed to document the issue and get back to me with a resolution. That never happened, they have now sold the account to this new collection agency. The new collection agency has placed this derogatory mark on credit without attempting to resolve the equipment return issue.
Consumer complaint received 2019-06-22
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. (MA)

I was approved for a XXXX XXXX discharge on all of my student loans with the department of education/XXXX and all of my accounts are showing on my credit reports as balance {$0.00}. However, all of the loans are also showing account transferred or no information given. The loans in this state is showing as negatively on my reports because of being late and I was never late as I was issued the XXXX XXXX discharge on XX/XX/2016. Before I was granted this discharge I was on a deferment with a payment of {$0.00} based on my XXXX income. I called every single credit bureau to ask them to remove these accounts because they are showing negatively and they are not valid and they have all been paid/discharged. I was told that I have to get the department of education XXXX to contact the credit bureau 's with the information that should be removed and I called the department of education and I was told that they submitted the updated information and it's up to the credit bureaus. I was advised by a representative of XXXX to submit a claim to you because I can't dispute them anymore. Please help me to get the credit bureaus to remove these negative accounts from my credit reports.
Consumer complaint received 2019-06-22
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: Waypoint Resource Group, LLC (TX)

XX/XX/XXXX - Contacted XXXX ( credit reporting company ) via mail to dispute a XXXX XXXX account that is in collections under company name, Waypoint Resource Group. I have NEVER had a XXXX account. 

XX/XX/XXXX - XXXX identified the information as accurate via Waypoint. I was instructed to contact Waypoint directly. 

XX/XX/XXXX - Contacted Waypoint via phone. The representative would not provide information about the account. He only wanted to get personal information from me and instructed me to contacted XXXX. 

Submitted an online dispute form with XXXX, indicating that I had contacted Waypoint. 

XX/XX/XXXX - XXXX, again, identified the information as accurate via Waypoint. I was instructed, again, to contact Waypoint directly.
Consumer complaint received 2019-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have contacted experian credit reporting services to report that XXXXXXXX XXXX XXXX representing XXXX XXXX XXXX XXXX or apartment complex report is concerning a landlord-tenant dispute and that this information should not be posted or included on my traditional credit report. 

As for the first dispute filed against this non traditional credit report, Esperian denied my request to remove this very negative information from my traditional credit report, and submitted information to me that the reporting company or agent confirmed the debt.

I filed a separate dispute on this same issue explaining to Esperian that this information is a landlord-tenant dispute and it should not be listed on my credit report, and that I have not agreed with anyone to post or use my rental history as part of my traditional credit report. 

Furthermore, this particular negative credit reporting was listed as a personal loan, but a most recent check of my Esperian credit report, this negative report has been put under the category of collections. Either way and irregardless of how this information is labeled, this negative information has no place being listed on my traditional credit report to be used to tabulate my credit score. Nor should this information be included on my credit report because of the central reason that landlord and tenant dispute are listed in non traditional credit reporting manners.

This negative information on my credit report has damaged my credit reputation in 2 areas : 1 ) it has caused my credit score to dip or go down by more than approximately 30 points, and 2 ) a potential creditor has already used this erroneous credit report information to deny me credit for a home loan to which this report is the major reason for the denial. 

I am demanding that this information be removed effectively immediately from my credit report reported by Esperian that I am aware of, and be deleted from the other 2 major credit reporting companies if this information is retain in a credit report with my name. 

Furthermore, this is a very heinous discriminatory act to which leaves me with no alternative but to complain about being racially discriminated against because of my race which happens to be tgat I am an XXXXXXXX XXXX XXXX
Consumer complaint received 2023-07-08
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. (VA)

XXXX XXXX XXXX XXXX XXXX are furnishing information that does not belong to me and the inaccurate or fraudulent information is being reported by XXXX, XXXX, and EXPERIAN. I have sent letters of dispute, giving all of the companies a notice and asking that the information be deleted from the profile under my name.
Consumer complaint received 2019-11-19
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. (NJ)

I HAVE SUBMITTED PROOF TO 3 CREDIT REPORTING AGENCY 'S THAT COLLECTION AGENCY XXXX XXXX XXXX WAS REPORTING FALSE INFORMATION TO ALL 3 CREDIT REPORTING AGENCY 'S THE DEBT WAS PAID I DO NOT OWE ANY DEBT TO XXXX XXXX XXXX I HAVE TRIED REACHING OUT TO THE 3 CREDIT BUREAUS AND THEY REFUSE TO REMOVE NEGATIVE REPORTING FROM CREDIT REPORTS
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

I called and spoke with enhanced recovery XXXX XXXX XXXX XXXX XXXX fl XXXX Told it's not my account I've never had an account with XXXX. I've called a few times but don't have exact dates
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have been the victim of identity theft fraud, and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcies were fraudulently filed in my name. They have yet to delete any of the accounts, and the BK Filing. They are holding me hostage to a debt that I did not create. I have been disputing the fraudulent bankruptcies for over three years now, and still no changes. I need help assistance immediately.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

I have a Citicard XXXX XXXX  XXXX XXXX XXXX XXXX. Citicard offers a {$120.00} XXXX XXXX XXXX  credit with this card when you spend over $ XXXX per year and pay an annual card fee. In XXXX I spent over {$31000.00} and paid my annual fee. In XXXX I have paid over {$20000.00} ytd. They are refusing to offer me the advertised benefit.
Consumer complaint received 2019-11-18
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. (IL)

On XX/XX/2019 I opened a dispute with equifax regarding a collection from XXXX XXXX  regarding a XXXX  XXXX bill of $ XXXXDispute # XXXX. 
I submitted a copy of my payment of the amount of {$17.00} ( amount owed ) that was paid on XX/XX/2019. This dispute came back as verified on XX/XX/2019 as being accurate and updated. Nothing was updated not even the correct amount. 
I submitted a second dispute ( # XXXX ) on XX/XX/2019 adding additional documents showing that nothing is owed. All payments were made to XXXX  XXXX. 
on XX/XX/2019 this dibute came back as verified and valid still showing a balance of {$18.00}. 
I also contacted XXXX directly providing documentation and credit card statement of amount paid. 
Both XXXX  and XXXX  removed this collection. 
I don't believe it was verified correctly.
Consumer complaint received 2019-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

PLEASE LOOK INTO THE CHAPTER XXXX BANKRUPTCY ACCOUNT THAT HAS BEEN DISCHARGED IN COURT SINCE XX/XX/XXXX. THERE IS NO BALANCE ON THIS AND IT HAS REALLY BEEN AFFECTING ME INTENSELY, AND BECOMING AN OBSTACLE IN MY LIFE. I HAVE ATTEMPTING TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT SINCE XXXX OF XXXX, NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY IMMEDIATELY. THIS IS REALLY AFFECTING MY RIGHTS AS A CONSUMER AND IS VIOLATING EVERYTHING.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (CA)

Inquiries by unknown person made several attempts to obtain credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

My loan transferred to Select Portfolio Servicing XX/XX/XXXX from XXXX XXXX. 
SPS took 4 months to process my transfer. While my account under " process '', I kept paying my monthly mortgage on time started XX/XX/XXXX. I did not miss any payments. All my payments were sent on time. SPS acknowledged that they received all my payments on time, however, they did not apply all the payments on time. They applied all payments as single payments on XX/XX/XXXX. I asked SPS to fix my payment records and to apply all the payments individually as they received them on a monthly basis. Since it wasn't my fault that it took them 4 months to finalize my account. However, they stated that they will not fix my record payments. They said that they had to apply my payments under " suspend account " because my loan modification documents from my previous servicer were not received. I am now trying to refinance my loan and the underwriter will not accept my " payments being on time '' because SPS will not provide the proper documentation of the payments that I made during " transfer process '' I called SPS several times and spoke to different representatives to fix these payments records and they stated that they will not able to go back to my record and fix the payment history.