davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

I like many others, according to the XXXX, have been scammed by someone. Early this year i was Online looking for a used RV. I came across this site, XXXX they claim to sell repo vehicles. I contacted them and after discussion via text, phone, and email. They sent me an invoice. I looked up the dealership and low and behold they had a A+ rating on XXXX. And were listed on the local chamber of commerce as a good place. 

On XX/XX/2019 I went to my local Chase branch ( XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX ) and spoke to the Customer service rep XXXX XXXX. I explained what was going on and that the seller required a wire transfer. I was on the fence and unsure to send it. But XXXX tole me " The money is guaranteed for scam or fraud. '' So i took that plunge with her assurance. 
The very next day the seller told me they received my money and would start the shipment process. And I never heard from them again. 

Check XXXX  and someone else was also scammed that day. So i left a complaint. 
The next week I reached out to chase and opened a wire transfer fraud claim. Claim # XXXX. It took them 2 weeks to tell me my claim was denied. They had reached out to XXXX  XXXX XXXX and the recipient and asked for my money back. The person refused, XXXX declined and thus Chase denied my refund. Then on XX/XX/2019 I had opened a police report with my local PD. XXXX XXXX, WI case # XXXX.
Consumer complaint received 2015-09-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (MS)

Regions Bank charged my account for a XXXX charge that I did not authorized and made my account overdrawn with insufficient funds. This caused a {$36.00} fee Regions charged to me. The XXXX charge was not authorized and Regions charged it to my checking account.
Consumer complaint received 2019-03-12
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. (HI)

XXXX XXXX XXXX XXXX is reporting one payment in XXXX XXXX that they " claim '' was ten days late. 

1. They are reporting this to XXXX and Experian ( but important FACT!!!!! they are NOT reporting this to XXXX!!!!, this is important because both can't be true. ) this alone should be enough proof that XXXX XXXX is " making up information ''. 
2. We were arguing over the now illegal " CPI '' thuggery that XXXX XXXX XXXX XXXX yes threaten us with in XX/XX/XXXX as a result XXXX XXXX XXXX XXXX Representatives threw a fit and hung up several times. They were more interested in regulating my speech and hanging up then resolving the payment issue. They are the reason for the delay. A federal judge has order them to correct the credit records that their illegal CPI program spawned. 

XXXX XXXX XXXX XXXX along with their parent company has been caught in lie after lie and have built a reputation for being white collar criminal olympians in the last several years. 

EVERYTIME we confront XXXX XXXX XXXX XXXX they come up with a new LIE or " story '' The CFPB needs to hold this lawless company accountable. 

XXXX XXXX Should Immediately stop reporting incorrect information about a " late '' payment in XXXX of XXXX as we never were late. XXXX XXXX XXXX XXXX should not hang up 100 's of times on their customers if they want prompt and expatiated payment for their " services '' and not lie about information about their customers..
Consumer complaint received 2024-08-30
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. (RI)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (DE)

I had an issue going on with payments and billing on card number ending in XXXX. Because Citi wanted to make money off me by increasing Late Fees, they said they can not allow me to change my due date when I really needed to change it. 

Citi just WITHOUT my asking or CONSENT and in violation of the law changed my due date on the credit card so that I will miss my payment due date and those criminals can now charge me the late fee they were increasing on my account. I did NOT ask for my due date change this time and the date was changed ARBITRARILY by Citi. I have an automated email from Citi evidencing that change from today.
Consumer complaint received 2019-03-13
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. (CA)

I originally reached out to the creditor to have them correct the inaccurate information and they advised I NEEDED to file a complaint with each credit bureau. 
Last year I filed a complaint with each of the respective credit bureau ( Experian, XXXX XXXX and XXXX   ) in XX/XX/XXXX to notify them, they were reporting inaccurate information on one of my credit accounts. I sent each credit bureau a signed and notarized document stating the inaccuracies via certified mail with tracking number XXXX. I received confirmation that each credit bureau received each dispute packet on XX/XX/XXXX. I know my rights as a consumer and after thoroughly reading the 108 pages of the Fair Credit Reporting Act, I know each credit bureau has 30 days to investigate and correct the disputed information and/or notify me with the results of their investigations within 5 days of completion. However, when I went to look at my credit reports today ( XX/XX/XXXX ) with my credit monitoring account through Identity IQ, there are no changes with the disputed account and the inaccuracy within it. I never received any results of the investigations with ANY of the three credit bureaus. I am filing a complaint with the Consumer Financial Protection Bureau to help me with this ongoing issue.
Consumer complaint received 2019-04-04
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 have reason to believe that my credit report has been affected by identity thieves. I have always maintained agood credit score and have never experience any problems obtaining credit until recently when I checked my credit report. There are few items reporting that belong to someone else.
Consumer complaint received 2019-03-12
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. (LA)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX   XXXX - partial account number XXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-03-12
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. (LA)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX  XXXX - partial account number XXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2022-12-26
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. (FL)

I have contacted all three credit agencies concerning XXXX XXXX for years now after disputing that I did not have any late payments. Not knowing much about credit and fraud at that time. Now I study the consumer laws to help myself get back what I was trying to achieve with credit. I sent XXXX XXXX many letters to rescind and opt out because of Identity reason and they did not give me that disclosure in BOLD letters giving me the option to opt out. Also this company created fake accounts around XXXX  and now doing illegal transactions once again. Attaching my letters which was sent to the agencies. 

Notice ; I am opting out with the notice of right to rescind. XXXX XXXX never gave me that right, a creditor shall deliver two copies of the notice of the right to rescind and shall identify the transaction or occurrence and clearly and conspicuously disclose the ONE to FIVE above. This is my RIGHTS. 

6801. Protection of nonpublic personal information ( a ) Privacy obligation policy 1681b. Permissible purposes of consumer reports ( a ) In general - Subject to subsection ( c ), ( 1 ) ( 2 ) This letter is in good conscience because I did not give anyone permission to report any of my information. They took my information and transferred it to a non-affiliate third party without my permission and created the profile that supposed to represent me the consumer that which I did not approve of. According to these laws, is that not identity theft?
Consumer complaint received 2019-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (FL)

In XXXX an Associate came over to my home here in Florida from XXXX XXXX XXXX. We installed a home security system in our home. There were no problems in the beginning and all bills were always satisfied and paid in a timely manner. In XXXX a major storm hit our area and lighting struck our home a burned XXXX XXXX XXXX XXXX system. We made numerous phone calls to have the system repaired and or replaced but nobody ever came to make any repairs or replace the system. We called XXXX many times and appointments were supposed to had been scheduled but nobody would show. In XXXX and XXXX, XXXX. XXXX I checked my credit report and saw the XXXX had sold my account to a third party collection agency called Perfection Collection. I gave Perfection Collection and call to explain to them that I didn't owe this bill and that XXXX broke their contract by having someone come over to the home to fix and or replace the system do to a major storm and a lighting strike burning the system. The collection agent then stated, '' We don't care nor want to hear what you have to state, you must pay this bill today, or contact XXXX to figure this mess out with them ''. I again tried to communicate with Perfection Collection, but this was not successful. I then called XXXX on XX/XX/XXXX. XXXX to explain to them what has happened again, but the only option they gave to me was to call Perfection Collection because the account had been sold to them and there was nothing anyone could further assist in. 
I do not owe Perfection Collection or XXXX the total amount of {$1.00}, XXXX for services that were never provided. The amount owed began after the major storm occured and after the lighting strike the home and burned the unit this was not any amount owed before this time. I'm asking for this to be removed from my credit report because XXXX  and XXXX have removed this from my credit report, however, Perfection Collection thought they could try again with XXXX and know this is back on my credit when it was resolved with the other two credit agencies. I did report this matter with XXXX  on XX/XX/XXXX but they do not want to resolve this issue. I have been also getting over thirty phone calls per day from Perfection Collection on my business work phone. I'm asking for this matter to be resolved.
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Wilber and Associates, P.C. (MO)

My youngest grandson had a car accident with his XXXX XXXX XXXX pickup and was not insured so XXXX insurance company was trying to collect money they paid out to fix the other vehicle. My problem is because I had cosigned for my oldest grandsons pickup that is a XXXX XXXX XXXX XXXX insurance some how got the wrong pickup involved i guess because of their last names being the same. I don't know.. and then that got my name involved. I know XXXX was sent both vend numbers so they could get it straightened out. Since then they have turned it over to Wilber & Associates, P.C. out of IL I have spoke to them twice and explained the situation and thought i had it taken care of but since then they have called about 6 or 8 times but have only spoke to them once because they call from a number that you can not call back.I only want my name off of this debt collection since I am not involved in anyway with this vehicle. It all began XXXX I have a file number of XXXX & client claim number XXXX the last time I spoke to them the lady said that they were going to move forward with it whatever that means I am XXXX years old and do not need this harassment in my life..
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-03-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Quick Bridge Funding, LLC (HI)

1. XXXX XXXX XXXX, XXXX, entered into a Business Loan Agreement Merchant Loan with XXXX XXXX XXXX through XXXX XXXX XXXX dba Quick Bridge Funding, with a guarantee from XXXX XXXX, and was purportedly granted a security interest in and lien against all of the Debtors assets. Pursuant to their provisions, the QB Loan Documents are to be governed and construed by the laws of the state of California. The Business Loan Agreement was for XXXX  XXXX XXXX XXXX to receive {$75000.00} ( QB Loan for {$75000.00} ) in funding with a pay back {$92000.00}. In addition to the QB Stated Interest, the Debtor was also required to pay an origination fee of {$2200.00} ( the QB Origination Fee ) to Quick Bridge. Although identified as fees the QB Fees are, in substance, additional interest under the QB Loan. The total cost of the loan being is then calculated at {$94000.00} or {$19000.00} more than the amount borrowed. This loan was to be paid back in 126 daily payments. Considering the 34.5 % of one-year term of the QB Loan, the effective QB Interest rate per annum is approximately 75.36 %. Although the Debtor was advised and expected to be entering into a loan with Quick Bridge, the QB Defendants, using the rent-a-charter scheme, originated and papered the QB Loan through XXXX, a federally-chartered bank. Immediately after funding, XXXX assigned the QB Loan to Quick Bridge. 
2. XXXX XXXX XXXX, XXXX has made 1 payment of {$2200.00} to pay the loan origination fee and 95 payments of {$730.00} and one payment of {$6100.00} for a total repayment of {$75000.00}. 
3. The interest of {$17000.00} was paid by XXXX XXXX XXXX, XXXX to QUICK BRIDGE FUNDING , LLC in the new loan for {$150000.00} and the {$17000.00} being held from the transferred amount. 
4. In connection with the QB Loan, the QUICK BRIDGE FUNDING , LLC charged a usurious interest rate under California law exceeding 7 %. California Code, Civil Code - CIV 1916.5 states, The rate of interest upon the loan or forbearance of any money, goods or things in action or on accounts after demand or judgments rendered in any court of this state, shall be XXXX dollars upon the XXXX XXXX dollars for one year and at that rate for a greater or less sum or for a longer or a shorter time ; but it shall be competent for parties to contract for the payment and receipt of a rate of interest not exceeding XXXX  dollars on the XXXX XXXX dollars for one year and not exceeding that rate for a greater or less sum or for a longer or shorter time, in which case such rate exceeding XXXX dollars on XXXX   XXXX dollars shall be clearly expressed in writing. 
5. The QB Loan documents do not clearly express in writing that the interest rate will exceed XXXX dollars on XXXX XXXX dollars. 
6. The interest rate for the QB Loan for {$75000.00} was 75.36 % or {$19000.00}. If using the maximum interest allowed pursuant to California Code, Civil Code - CIV 1916.5 of 7 % this would be an interest charged of {$5200.00}. This is a difference of {$14000.00}.
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I sold my single family home XX/XX/2019 at which time my mortgage with Bank of America was paid off per the payoff statement received by the title closing company. Bank of America has failed to refund my escrow account balance of {$2100.00}. As of this complaint date it has been over 2 months since the closing, well beyond the CFPB required rules to refund within 20 days of the loan payoff. 

I have contacted Bank of America numerous times :  XX/XX/2019 -- I receive my promissory note stamped Paid In Full from Bank of America, sent to my old home address that I sold. No escrow check included. 

XX/XX/ 2019 -- I called Bank of America and they tell me a check was mailed to the old address of the home I sold. Check never received. 

XX/XX/2019 -- called again and requested Bank of America to reissue check to new current address. 

XX/XX/2019 -- I received an escrow account activity report Dated XX/XX/ 2019 at my new address from Bank of America showing they owed me {$2100.00} and that the escrow was paid out XX/XX/2019. No check included with the report. 

XX/XX/ 2019 -- called Bank of America again. Was told that they had no request to issue a refund check of the escrow. I again requested a check be sent to me. 

XX/XX/2019 -- called Bank of America again. Was told that the check has not been issued and I need to wait another 10-15 business days.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (HI)

Contacted Credit Card Collections Officer, Chase Bank, via mail, the first time, on XX/XX/XXXX, to make arrangements to settle the account in exchange for the original instrument of indebtedness in its original form. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a second request for removal of inaccurate information on XX/XX/XXXX. They received the letter according to return receipt, on XX/XX/XXXX, but no response.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines XXXX please remove the following account they are not accurate : XXXX/XXXX # XXXX****, XXXX XXXX # XXXX****,  XXXX/XXXX # XXXX****, OHIO XXXX XXXX XXXX # XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Consumer complaint received 2019-03-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I am a cosigner on a private student loan with Navient. I have reached out to them on multiple occasions about how My payments are being allocated because I have been the primary payer on the loan since XXXX. The initial loan value was approximately XXXX and 6 years later I still owe a little over XXXX. The payment was initially XXXX per month so if you do the math that is over XXXX. I feel like the private student loan companies are stealing from borrowers. The interest rate is variable and when I called to ask how that is calculated they could not tell me. My interest rate is currently over 11 %. Since XXXX of XXXX when my loan was bought from sallie mae by Navient, my balance has actually gone up by {$200.00} although Ive been making monthly payments. My brother, who is the initial borrower, is back in school full time but his loan doesnt qualify for any type of deferment due to the type of loan it is per Navient. Feels like there should be some sort of law against the gross negligence and mismanagement of funds that is obviously taking place at Navient. When I called in on XX/XX/XXXX and asked how we could get my balance down, the man replied I could pay more each month. No other assistance was offered.