davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

I am expecting a {$3000.00} bank transfer from Chase. I have a XXXX XXXX XXXX Account. The deposit is for identification replacement purposes, legal expenses, and miscellaneous expenses such as academic, real estate and other expenses like specific types property damage repair. Chase refused the transfer and banking services and would not let me access my own assets. The transfer is from a joint account with XXXX XXXX. XXXX XXXX already authorized the transfer and Chase attempted to cancel it. I would like to know why Chase is playing a grand larceny game again. They also give access to identity thieves like XXXX XXXX instead of approving a bank transfer to authorized parties.
Consumer complaint received 2018-11-10
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Avid Acceptance, LLC (CO)

on XX/XX/XXXX my Son died at that time I was unable to work and my wife was temporary laid off from her job. Avid Acceptance is my car loan provider. After I became late with my payment was repeatedly contacted by XXXX XXXX with said company. Not only did she attempt to contact my by phone but also email on a daily basis. She even contacted both people that I gave as references discussing my matters. she has done this twice now contacting a 3rd party about my situation. I set up a payment plan to get back on track and she continue to call and email about 'are you going to make your payment ' 'I am going to escalate your case and you won't like it ' this is after i made arrangements to make 2 payment within 2 days of each other totaling {$1500.00}. She then proceeded to call and email saying I still owe {$200.00} for XXXX and that I need to pay that. I set up another arraignment for a payment were I told her that I will make the {$200.00} payment plus my normal payment which is due on XX/XX/XXXX. on XX/XX/XXXX email communication I told Mrs XXXX that payment will be made on XX/XX/XXXX. 
I can forward all email and phone records and still have voice mail messages. here is part of last email between Mrs XXXX and myself Me : Are you touching base with me why are you calling references that were provided because if I say Im going to pay the bill on the 16th like I did Im going to pay the bill on the 16th the same way I told you I was going to pay the bill last month and it was paid so please if youre going to sit and call references again Im gon na sit and file harassment charges with the attorney general in the state of Colorado Mrs XXXX : If I dont get ahold of you I have to get in contact with a reference. I have been calling and emailing with no response. 
Me : And actually theres no need for you to get a hold of me considering we already had a agreement I am not now its considered carafe minutes ( voice to text was suppose to be HARASSMENT ) if you want to keep doing it go ahead but this will be my last response to you either way. Agreement to pay was made. Now its harassment after the last email she finally stopped
Consumer complaint received 2018-11-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have been dealing with XXXX XXXX for a few years on a debt that was not mine. I have mailed them certified letters, I have advised them to cease calling me, I have even tried to pay the debt to get it off of my credit report just to end the calls. I have also noted that they change the date of the debt to keep it current on your credit report to dodge the FDCPA protections.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me.
Consumer complaint received 2021-01-11
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. (NM)

I have been disputing an error in my personal information with Equifax for over 30 days and they have not corrected the issue. According to FCRA Section 623 it is illegal to report inaccurate information and must be corrected if I have proof. They are reporting my current address inaccurately which has hindered my ability to identify myself to other companies. I need this issue corrected immediately.
Consumer complaint received 2024-09-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CO)

I had to move from my apartment after XXXX of the employees, XXXX XXXX keyed my car and threatened to assault me on more than XXXX occassion. I was told by both the XXXX XXXXXXXX and XXXXXXXX XXXX that I could move and leave before my lease was up because they refused to take action against her and continued to allow her to work there ( Said that me and my daughters protection and safety was not their problem and I would have to handle it civally ). I filed numerous police reports with XXXX XXXX who is investigating this and we have video footage of her. I then decided to take their offer because I did not feel safe. XXXX XXXX ( property XXXX XXXX said I would not be charged and said I would get my XXXX dollar deposit back. Then she turned around and denied it and said they were keeping my deposit. The interesting thing is that she never said I owed anything or even the amount I " supposedly owed ''. She then turned around and tried to send to me to collections. This is a low income property and you can not charge to move out early anyways. I told the company to stop contacting me and to give me the owed amount ( I wanted verification ). I then got a call yesterday from XXXX XXXX and told them to stop contacting me and to give me a debt verification letter. They continued emailing me and threatened to sue me. I do not owe this nor have I been notified of it. I have been told to sue them by a lawyer for the damages to my car ( totalling over XXXX dollars ). I have the police reports and my estimate for my car. XXXX has evaded the police and had men answering her phone and hanging up and ignoring them when they came to her house to question her. XXXX XXXX who is the regional XXXX told me that I couldn't film anyone on the property because they said it was he said she said and I told them okay next time XXXX confronts me and starts threatening me I am going to record it. They have subjected me to this as well as forcing me to move and then saying I owe them money which I do not. I was let out of my lease and told I didn't owe anything and now they have sent me to collections.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (KS)

Every year I request my " FREE '' annual credit report through XXXX XXXX XXXX. Every year it is the same thing. I can not access my free credit report from XXXX. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through Experian to get a basic look at my three credit reports, it was not free. I tried to file a dispute to XXXX and to XXXX  and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.
Consumer complaint received 2018-11-13
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. (TN)

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX  XXXX
Consumer complaint received 2024-11-15
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

Transworld Systems is fraudulently reporting on my credit report in the amount of {$1100.00} account # XXXX * Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing. I also didnt find that this company has a valid license, bond, and certificate of authority in the state of Arizona.
Consumer complaint received 2018-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I have been a victim of ID theft. as a result there is are negative balances on my credit report. {$13.00} XXXX on XXXX {$3500.00} on XXXX I obtained a police report submitted to all credit buerals no effect they don't believe me. please help
Consumer complaint received 2018-11-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: JTM Capital Management, LLC (MO)

I started receiving calls on Monday, XX/XX/2018 from XXXX XXXX regarding a debt owed to XXXX XXXX. I spoke with XXXX XXXX and explained to him that I had a medical debt from a sick child that caused the account to become delinquent and my bank will no longer allow them to debit funds from my account because of overdrafts. He was very professional and empathetic. He offered me 24 payments of roughly $ XXXXmo or a settlement of {$2500.00}. We agreed that I would make 2 payments of {$1200.00}. The XXXX in XXXX and XXXX in XXXX, however I was out of town and would call him back this week to set up the payment. 

Today, I received 3 calls from XXXX within 5 minutes. The first @ XXXX XXXX, the second at XXXX XXXX, and the third at XXXX. I called back and was transferred to XXXX XXXX, who stated that he was the General Manager. I told him that I had already spoken with XXXX and was at work so I did not have time to speak. However, I did ask him to slow down so that I could take his information and call him back with the details because I was in the process of pulling the fund to make payment from my 401K to pay the settlement in full. He immediately started yelling that they did not have time to wait on me, either I was going to pay now or he was suing me for {$6000.00}. When I asked why the amount changed, he became very aggressive and continued to yell at me and used abusive language. 

I suspect this is the same person that has been calling family member although I requested that they not.
Consumer complaint received 2018-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (AZ)

Navy Federal CU is fraudulently reporting on my credit reports in the amount of {$14000.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Consumer complaint received 2018-11-13
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. (NY)

I paid a credit repair agency for almost 2 years {$100.00} a month to fix my issue my ex wife did to me before she disappeared after visiting her home country. All 3 reporting agencies should understand the importance of credit and have let the be aware of my situation and I still have this burden to live with every day.
Consumer complaint received 2018-11-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/2018 about XXXX XXXX I visited an ATM machine located at XXXX XXXX, XXXX XXXX NV XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX telephone number XXXX. My transaction was a withdrawal of {$460.00} - the ATM machine sounded a little funny while it was counting the money but never produced the money! I lifted the door where the money is dispensed and there was no money there. I received a receipt for the transaction- showing the debit from my account for {$460.00}. And I immediately called the telephone number located on the atm machine, I was told to call my bank and file a claim - Well my Bank is an American Express Serve Card that is prepaid, the ATM was labeled a XXXX ATM and all XXXX ATMs are fee free to use. I called AMEX SERVE customer service and filed a claim I was told I would receive an email, which I did, and that email states, '' We received your dispute for the transaction below and are currently investigating it. Well send you another email within 10 business days with more information, including whether or not were able to credit you for the charge. '' Trying to get through to customer service is ridiculous and takes a half hour to reach someone in XXXX. I tried to call them this afternoon and was on hold so long my phone went dead. It is or should be a fairly simple issue to resolve as these machines are suppose to have internal mechanisims to alert the ATM operator of malfunctions with the terminal, I called and reported it, someone should have come to check the machine and conduct an audit and fix or place out of order the machine.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

My Card Was Used in a year and half span for about {$7700.00} dollars. Citi promised to resolve the issue as soon as possible. Citi said it will fix my issue in 4 days I didnt get no conditional credit. My credit Balance is around {$4000.00} and my limit is {$5000.00} but my Available Credit line is {$0.00}. I been a paying customer never late paying over minimum on most of my payments.
Consumer complaint received 2018-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Skrill USA, Inc. (WI)

I have used Skrill as a payment through XXXX XXXX XXXX, and I have not received my {$30.00} game card. It's been almost 24 hours and I have bought it from XX/XX/2018 around XXXX XXXX in central us time. I am angry because I have tried to contact Skrill and XXXX, but I received no email back and XXXX never replied back to my ticket. I hope you guys take this matter seriously because this is also theft. Thank you.
Consumer complaint received 2018-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NC)

I received a letter from my homeowner 's insurance policy stating my insurance was being cancelled due to vacancy. The representative informed me that I was not her first call about the same situation from Selene Finance. I had to verify that I had not vacated the property by sending recent utility bills. I contract Selene Finance and spoke to someone in their insurance department. She was aware of the situation but offered no explanation or course of action going forward. After reinstating the insurance on my home, I then received a letter from Selene stating they were going to buy insurance for me if I did not show proof of insurance, which seemed absurd since they caused the situation.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

I just recently got transferred for my XX/XX/2018 payment from XXXX XXXX. to XXXX-Select Portfolio Servicing, inc. for my mortgage payments-servicing. I successfully made my latest fee free XX/XX/2018 payment to XXXX XXXX. with no problems. 
Do I have a right to be treated by SPS the same-in all respects-as I was with my old mortgage servicer-XXXX XXXX.? 
For example, I was able to make my payment at anytime from the XXXX of the month thru the XXXX of the month with no servicing fee of any kind if I signed up for paperless-online payments, even one time payments at various times during the month ( they had a button online for this choice )? 
The reason I am asking is because my new servicer-SPS is stating that it will charge me {$15.00} USD to transfer my mortgage payment from my XXXX XXXX XXXX ( or a bank ) Checking Account to XXXX ; whereas with my old servicer-XXXX, it was a free transaction. 
This fee is unfair and unacceptable because I work and get paid at different times and amounts during the month and so I need-must have-the flexibility to make my mortgage loan payments at any point during that XX/XX/XXXX-XX/XX/XXXXtime period. Thanks for your assistance.