davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Please provide actual proof of verification and actual proof that your company is following all applicable federal and state law regulations on the account listed below Because I don't believe you are from looking at the account history from last payments dates balances reporting it's not 100 % accurate and I feel like it does not meet the Fair credit reporting act section 611.

I clearly highlighted the reporting errors and if you do not send in proof that you are following the laws then I will have to seek legal action. 

Send in all actual proof you are XXXX XXXX XXXX Account name XXXX Account XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm personally filing this complaint regarding late payments on my credit record. My review revealed these late payment entries. Despite sending inquiries over a month ago, I've received no response or adequate validation. I'm seeking your help to address this issue.
Consumer complaint received 2024-07-24
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. (GA)

I recently checked my credit report and noticed that XXXX and XXXX shows auto loans accounts that need to be removed or shown as " current/paid as agreed ''. This has been hurting my credit, as I am in the process of purchasing another home. Please remove these accounts from my credit as soon as possible. They have {$0.00} balances.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CULLEN/FROST BANKERS, INC. (TX)

Commencing on or about XX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Frost Bank account to fraudulent investment firm ( s ). 

I filed the complaint to the bank on XX/XX/XXXX, asking for CHARGEBACK, because I made a credit card payment to a scam organization directly. 
they told me it was too late. I was late with the complaint XX/XX/XXXX days, and I could not file a complaint earlier, because I was not aware that a was a scam ( which was their goal all along ). 
I believe that the bank could helped me at the time considering it was a case of scam/ fraud. 

Instead, they brushed me off and asked me to take my bank account elsewhere.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (FL)

On my credit report a balance of XXXX for XXXX XXXX is showing up .Its not my charge not even my name.. I cant get XXXX to help me I need to have this fraudulent charge removed XXXX cant get the collections company to even talk to me because they have a XXXX name under this debt .. its very confusing and XXXX  % fraud
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (FL)

XX/XX/year> So today I am writing about case number XXXX which says it was closed and that SoFi responded . Sofis response was incomplete, incorrect, and totally missed the point. I had contacted them repeatedly ( starting on the first day the fraudulent debits were shown on my account ). 
I would like this reopened and my approximately {$850.00} in remaining fraudulent charges refunded. 
What else can be done so that SoFi bank will treat me fairly and refund the completely fraudulent debits refunded. 
I am including my bank statement which clearly shows the obvious fraudulent debits made over and over again, ( many pages worth ). 
Also, are there other agencies or political representatives that I shout contact to get this corrected? 
I am on the autistic spectrum and really need someone to help me as soon as possible as my XXXX XXXX checks are my only income, and I am currently homeless living temporarily with my grandparents in XXXX XXXX Florida. 
Thank you, XXXX XXXX
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Sentry Credit, Inc. (NY)

Please see attached form sentry has mailed to me. Sentry has been calling me non stop from morning hours till XXXX XXXX  at night consistently every XXXX minutes. They call while I am at work. A woman had threatened to call my work and tell them about my debt. They are harrassing me and have been from an unknown number. I am homeless and have been the last XXXX  years and live in my car. There are certain bills I can not pay because the amount is too high. I am willing to work with the creditor but not if they are harrassing me and the amount they want is way too high. I make minimum wage and am again homeless and live in my car. I go without eating most days because bills have piled up and I am trying to do the right thing by trying to make payments when I can.
Consumer complaint received 2024-10-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

I do not acknowledge this debt and respectfully request the United States Department of Education remove this debt from my records. XXXX issued me a letter dated XX/XX/XXXX stating the loans were paid in full which I assumed from my PSLF or by President Bidens Loans Forgiveness. Credit reports indicate that since late XXXX that the US Dept of Ed has been reporting that this account was current or paid as agreed which would confirm my stance about the XXXX XXXX letter from XXXX issued XX/XX/XXXX stating the loans were paid in full.The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from debt collectors who improperly report debts to credit reporting companies. The original Student aid servicer was XXXX.Studentaid.gov indicates my loan servicer as Dept of ED XXXX. XXXX indicates that a Direct Consolidation Loan Application and PSLF was submitted on XX/XX/XXXX. It indicates the consolidation disbursement on XX/XX/XXXX of {$36000.00} for the consolidation and now shows a balance of {$46000.00}. Default resolution Group say {$47000.00} owed. US Dept of Ed Debt Management and Collections myeddebt.ed.gov shows a last payment of XX/XX/XXXX. XXXX XXXX at XXXX issued me a letter dated XX/XX/XXXX stating the loans were paid in full. I assumed from my PSLF or by President Bidens Loans Forgiveness. Credit reports indicate that since late XXXX that this account was current or paid as agreed which would confirm my stance about the XXXX XXXX letter from XXXX issued XX/XX/XXXX stating the loans were paid in full. Now the US Dept. of Education is indicating to the credit reporting companies that this account began in XXXX of XXXX, that I am in default and they just changed the balance again lowering it between XX/XX/XXXX and XX/XX/XXXX, by {$250.00} from {$46000.00} to {$46000.00}. 

All of these fluctuations, changes and inaccurate information keeps my credit scores and reputation bouncing back and forth and the stress is damaging my mental, physical and financial health! Again, I do not acknowledge this debt as XXXX issued me a letter dated XX/XX/XXXX stating the loans were paid in full. Credit reports indicate that since late XXXX that the US Dept of Ed has been reporting that this account was current or paid as agreed ( Example See " XXXX  Terms met '' & " XXXX XXXX reporting '' attachment ) which would confirm my stance about the XXXX XXXX letter from XXXX issued XX/XX/XXXX stating the loans were paid in full.
Consumer complaint received 2024-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/XXXX Re : Chase Mortgage Complaint To Whom It May Concern : My name is XXXX XXXX, I have had a mortgage on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX since XXXX from JP Morgan Chase. Loan Mortgage # XXXX. I believe that they have been charging me for insurance that I have never needed since its inception in XXXX. I have carried my own separate homeowners policy, but they appeared to have been clandestinely billing me {$100.00} every six months for an additional {$350000.00} worth of coverage that was not needed. I can provide all of the billing statements and the inception of the mortgage if required, but JP Morgan Chase has been unresponsive and unhelpful to working with me on this or providing any transparency at all. 

I have included my most recent homeowners policy, can you please tell me what my options for recourse are? JP Morgan Chase is one of the worst banks in the country, although it is large, it provides zero transparency, and all of their customer service is outsourced to vary dark corners of the world where people barely speak English, this bank needs to improve its practices, as we all know, many consumer banks are providing absolutely terrible service, and a disservice to the American people. I would very much appreciate your assistance in resolving this matter. 

Absolute Kindest and Warmest Regards, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ, XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (GA)

ATTENTION : CONSUMER FINANCE PROTECTION BUREAU In a period that includes less then 30 days, XXXX, has feloniously and fraudulently altered my credit report in retaliatory tactics to try and coerce me to stop me from disputing and making complaints if their negligence and unethical practices. For the last 30 days XXXX, has stop me from viewing and obtaining up to date information of my credit file to make sure they are abiding by mandates and standards. As is my right as a consumer. Ive been able to still maintain alerts thru other products Ive had long time service with that monitors my credit report. Today for the 3rd time I received an alert that changes were made to my XXXX credit report that were negative. Today for the 3rd time I received an alert that an account that has been closed and charged off at {$180.00} and has accrued a month to month balance to date in the amount of XXXX ; was again fraudulently and feloniously reopened and and reported as currently missing payments. The first time it was XXXX payments, days later it is now XXXX payments. These are erroneous and criminal additions to my report ; especially while being in an investigative state, and XXXX is doing its due diligence to not conduct and do business by standards and mandates, but by its own egregiously abusive and malicious mandates and regulations. This is an extreme infringement on my rights and I demand they be held accountable, responsible, and accessory as well to in the beginning WORLD ACCEPTANCE/WORLD FINANCE abusive and fraudulent attempts, to now being an individual owner in the injury and harm I have received from a company that is supposed to protect and report accurately ; not abusively and feloniously. As well as the above, in attempts to further cause me injury by not being able to dispute or rectify, I called in today and spoke to a representative named XXXX, I immediately before prompt gave pertinent information, same information on my report to establish and verify my identity. I still was made to answer security questions, same questions Ive always answered as correct and was further denied ; despite being same answers on my report and same questions from previous call days ago. This is tampering with my credit file to hinder me to consumer and owner of said file.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

The bank unlawfully charged me {$140.00} in overdraft fees ( $ XXXX ). I had cashed a {$370.00} check to my account, which showed it as immediately available as a CREDIT but not available to withdraw. Consequently there were XXXX charges that came through the next day and the bank considered this as an overdraft. Citizens bank is MISREPRESENTING the status of cashed checks and increased my credit balance, yet on the other hand charged me overdraft fees. Despite what is in its terms and conditions, this practice of misrepresenting the account balance is ILLEGAL, violative of a number of consumer protection laws and business practices laws and they should be investigated. 

After I complained, Citizens refunded half the charges ( {$70.00} or 2x {$35.00} ) but is REFUSING to refund me the other {$70.00}.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (AR)

I got a secured discover card like 2 months ago. They claimed the irs needed some kind of verification no other credit card or bank has ever required me to prove to open. So how can it be the IRS requiring it? Over two weeks ago they called me and and said if anymore problems they would be in touch. I tried my card and it got declined. So now I'm getting the runaround from two branches at discover and the stories don't jibe but I got XXXX  unprofessional and the conversation ended. It only took 5 hrs to not find out a XXXX thing
Consumer complaint received 2024-10-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (OH)

It is now the XXXX XXXX XXXX. I still have not received my Escrow Surplus Refund Check in the amount of {$2100.00} ( Check Number XXXX ) that in conversation was purportedly mailed to me on XXXX XXXX, 2024. I wrote them on XX/XX/XXXX requesting an update and check number and followed up with them again XX/XX/XXXX and the response was I would get an answer by XX/XX/XXXX. No answer and now they are telling me they need to do more research, and I will not receive a response until XX/XX/XXXX. This is the same XXXX they gave me last year. Every day I don't have the funds, my funds, not there's it costs me money. Can you imagine how much they steal from their mortgage holders They did the same thing last year. This is the second year they have failed to get my check to me on time. I informed them that they were again in violation of RESPA ( Federal Law ) by failing to have this check to me within 30 days of issuance. This lack of due diligence is very alarming. I am forced therefore to file a CFPB complaint informing them of your lack of compliance.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

I was scammed by a scammer posing as the XXXX XXXX, the IRS, and the Treasury. I sent money to the scammers using Western Union, XXXX XXXX, and bank transfer. ( 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 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 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 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 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 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 I contacted Western Union and the XXXX  police, but it didn't work. I contacted the XXXX  police two years ago before I started my XXXX  XXXX, but it was no use. This is a scammer 's XXXX address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a scammer email address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC (CA)

I noticed that this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. This debt collector furnished this account that we didnt agree upon nor did I sign an agreement. It is known that a legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX per violation and clearly they violated my rights
Consumer complaint received 2024-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (IN)

Years ago I had several accounts with Chase bank, including a HELOC. I was dissatisfied with Chase, so I changed banks. All of my Chase accounts were in good standing, and there were no outstanding balances of any kind. Chase did not notify me of any outstanding items. This week I applied with my present bank to increase my HELOC. They replied they would do so, except I first had to ask Chase to remove a lien from my file. I was previously unaware of the lien. Chase has never contacted me about it. I belive my balance is zero. I believe the lien is on file due to Chase 's negligence. I contacted Chase and asked to have it removed. Chase has not replied.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (IL)

We contacted Chase bank about charges listed on XX/XX/XXXX to XXXX XXXX, Illinois for {$32.00}, a second on XX/XX/XXXX to XXXX for {$100.00}, and a third onXX/XX/24 for {$180.00}. They closed the account and there has been no further charges. However there has been no resolution to the disputed charges because they were Chip charges. However after many calls to get contact information for the vender in XXXX, XXXX they gave us an address of vender but this address does not exist. We checked in person and also using reverse address look up at XXXX and XXXX XXXX. They do not respond to the information on the nonexistent address. They again denied the claim as it was a chip purchase.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (NY)

List of events took place after I saw my current my balance of XXXX led to my call to Verve on XX/XX/year> around XXXX XXXX  Rep name : XXXX XXXX after speaking with the rep should could not explain why I did not receive notice of decline payment. She explained my payment on XX/XX/XXXX was decline by the external bank. 

Details listed on Statement : XX/XX/XXXX XX/XX/XXXX- XXXX XX/XX/XXXX payment amount made - 120 ( listed on payment as a adjustable payment ) XX/XX/XXXX Balance on website - XXXX Cal back after Rep hung up the phone when I asked her to explaned adjustable charge/decline payment. 
After the rep told me this she hung up the phone. 

2nd call Second Rep : XXXX XXXX How do I have a XXXX balance on the card today ( XX/XX/year> ), I just paid $ XXXX 2 days ago. 

Me : what does adjustable payment means? Why is it listed on statement for XX/XX/XXXX and XXXX. 

Rep : that was a declined charge Me : I called on the XXXX and no one told me there was a decline payment on the XXXX. 

Me : Do you see any disputes listed for me this month? What are the dates for my disputes. 

- Rep claims {$120.00} payment I made by phone ( XX/XX/year> ) was declined by bank The amount of {$120.00} was reposted on XX/XX/year>. 
Previous balance XX/XX/XXXX. = XXXX ( ) you were charged an extra {$55.00} ( Return check fee ) for decline on XXXX. 

What date was the dispute filed for XXXX rental that I did not receive services for? Reference number? 

Rep : we don't have a reference number Me : Transfer me over to Customer Resolutions Department Transfered to Rep : XXXX XXXX I explain to he rep that should not have been charge a return check fee with no notice the payment did not go thru. 

How did they notify me of a decline charged? 

Who notifying the customer of missed payment? 

Rep : XXXX XXXX - transaction # XXXX Payment paid on website by XXXX XXXX. Payment declined on XXXX XXXX at XXXX XXXX payment of XXXX ( Bank acc # XXXX ) You made the payent online XXXX XXXX states he will return {$55.00} check fee to repost balance as $ XXXX  monthly maintenance - can not be waved {$40.00} for return check fee as Promised by Current balance {$65.00} Me : Reference number for return payment please? 

Rep : Reference # XXXX Confirmation # XXXX Me : Can I receive email of this confirmation right now before I hang up? 

Rep : It will be sent in 24hrs. There a hold of seven days if paid by checking account Me : The problem with that is i am paying by debit not account. 

Rep : XXXX XXXX ( Dispute Department ). Please tell him to give me a call.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION ()

On XXXX, XX/XX/year> a female representative from the California Bank & Trust called me to say that their initial review of our request for a copy of statements was denied. She said that our power of attorney ( POA ) could not be honored due to the checking account has a joint account-holder. However, my elderly brother never gave-up his right to a statement copy after he added a joint person on his account. 
Later on XX/XX/year>, we sent a written letter with our POA via Priority Mail. The envelope included a copy of our durable power-of-attorney. We have not received any response yet. The letters were sent to XXXX address : ( 1 ) Zions Bancorporation, XXXX California Bank & Trust XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX and XXXX XXXX ) to Calfifornia Bank & Trust XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 
We are entitled to a copy of the bank statements or at least a written explanation from a higher level leader or bank officer as to what is needed to change the address and issue the bank statement. We are concerned that Zions Bancorp, XXXX. is in not acting in line with CFPB 's proposed rule under Section 1033 to make data available to their consumers because they have so far refused to send a copy of the bank statements.