davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Balance XXXX {$420.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX # XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  - XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$140.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX XXXXXXXX Balance : {$910.00} XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IA)

On XX/XX/XXXX, I got an email from Chase Bank that I had opened a new business checking account. Upon receiving this email, I immediately called the company to try to fix the issue. I told them I did not do this. They needed my social security number, and I did not feel comfortable giving it to them, so they told me to go to a local Chase bank. I did not have any other account information. Today, XX/XX/XXXX, I was able to get a hold of the right department and close the account.
Consumer complaint received 2024-08-03
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Credova Holdings Inc (NC)

I applied for financing of a consumer private purchase, a XXXX to be specific. The website uses Credova as a " Financing Service ''. What it really is is a scam to get consumers to pay a 100 % interest rate on a " closed ended lease '' in which they pay an extra payment to own the property at the end of the " lease ''. They also advertise a 3 month buy out for the original price, yet they go on to say it's a 30 day policy on the " leases ''.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

I am writing to express my concern and frustration regarding the recent issues with my Chase business credit card. For the past several days, my card transactions have been repeatedly declined, despite there being sufficient credit available on the account. This situation has caused significant inconvenience and disruption to my business operations. 

I have contacted Chase Customer Service multiple times in an attempt to resolve this issue and to understand the reason for the declines. However, each time I have reached out, I have not received any clear or helpful information about the status of my account or the reasons for these declines. The lack of communication and transparency has been disappointing and has left me without a resolution. 

As a valued customer, I expect better service and communication from Chase. The inability to use my credit card and the uncertainty surrounding the situation are impacting my business, and I need this matter resolved as quickly as possible. 

I trust that you understand the urgency of this matter and will take the necessary steps to resolve it promptly. I look forward to your immediate response and a swift resolution to this issue. 

Thank you for your attention to this matter.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX CARD XXXX Balance {$8600.00} ; XXXX XXXX XXXX Balance XXXX {$8600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I consolidated some credit card debt at fifth third. I opened 2 accounts, 1 credit card and 1 loan. We agreed that payments would come out on the first of each month. I checked my account and they have been charging me late fees every month stating that the money is due on the XXXX. Why would they set up automatic payments for me to have them paid late? I made payments every month at the agreed time ( the XXXX ) on time and they won't waive the late fees. I had not been checking monthly statements and did not notice these late fees until a couple weeks ago because I had automatic payments set up and I was making sure I was paying them. I tried to call and have the problem fixed and the charges reversed but they refused. They were very deceptive in allowing me to set up automatic payments 2 days after the due date every month. What kind of person would set up payments like that? They were being intentionally deceitful.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA ()

In XXXX, I opened an account with Marcus and deposited {$25000.00} into it, but my account was locked at the beginning of XXXX. They said verification was needed, and this process has been prolonged. To this day, my account is still locked, and I am unable to retrieve my money. Now, I just want to force close my account and have the money returned the same way it was deposited, but customer service didn't even let me close the account.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

On XX/XX/year> I sent a letter with USPS tracking number XXXX that was signed for on XX/XX/year> requesting validation of evidence bearing my signature that I had a contractual obligation to this account. No evidence was produced bearing my signature within the 30 day time frame. On XX/XX/year> another letter was sent with USPS tracking number XXXX that was signed for on XX/XX/year> notifying that the information requested was not furnished. No evidence was produced bearing my signature within the 30 day time frame. Another letter was sent XXXX tracking number XXXX on XX/XX/year> and received on XX/XX/year>. Again requesting validation showing that I have a legal binding contract bearing my signature with said company for what they are reporting inaccurately.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XX/XX/XXXX
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NY)

I am unable to hear and use XXXX XXXX XXXXXXXX ( XXXX ). I lived in XXXX for three months and before leaving for the XXXX, I made sure to pay all my bills using my credit cards and online banking. However, when I attempted to pay my bills, my home seemed may not have had a strong Wi-Fi connection. As a result, I thought the online bank transactions went through and closed my laptop in XX/XX/year>. I did not receive any XXXX  reminders or calls from USBank, possibly due to weak internet or network issues in XXXX. As I was busy with my university internship work as an advocate for an organization in XXXX, I didn't check my personal email regularly. When I finally had time to check my email at the end of XXXX, I was shocked to find out that my credit limits had been drastically reduced from {$4000.00} to {$600.00}. I contacted the company and was informed that it was due to missed payments. I explained my situation and how I had always been loyal to USBank and had never missed a payment in the past 30 months. However, the bank was firm and refused to reconsider. I was very upset by their decision, especially considering my loyalty to them over the years. I returned XXXX on XX/XX/year>.
Consumer complaint received 2024-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I received this fly in the mail that you guys would be offering me a mortgage, I called the first time, The call center employee addressed me as XXXX XXXX without even asking my name, Do you call every guy with an XXXX XXXX XXXX XXXX??? And this was after taking all of my information like my Social Security number, date of birth, my member ID, my full name, my address. 

The second time I called I was again asked my Social Security number, date of birth, my member ID, my full name, my address, And when I asked the lady about the mortgage, she transferred me to some other department and the guy Who picked up the phone he was going to ask me again all this questions, asking me to spell my name three times, I got XXXX XXXX  and I hanged up the phone. 


My simple question was which I never got an opportunity to ask, was that would I qualify for the mortgage, why do you need to verify that account for a simple question like that, and why are you wasting customers time, energy and the patience???
Consumer complaint received 2024-07-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Franklin Credit Management Corporation (CA)

I would like to know if Basco Credit is the company that owns my deed of trust now as they profess to buy it from XXXX XXXX XXXX XX/XX/XXXX I have not been paying my second loan since XXXX XXXX XXXX  was purchased by XXXX XXXX XXXX XXXX in XXXX I do not know if my loan were charged off already by XXXX XXXX XXXX  and lender has failed to communicate with us for 15 years and XXXX not be in compliance with disclosure requirements I do not see the connection of XXXX XXXX who sold this note to XXXX which was owned by XXXX before in XXXX
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My bank account Bank of America placed a fraud hold on my business checking account we spoke to multiple people and they removed the hold then it was placed again and was told to go into a branch. I went to the Branch on XXXX XXXX and XXXX only to be treated badly. I was told by a teller the hold was an hour and a half long I told her I would wait but that I needed to step outside to get my kids. There were 3 people ahead of me, when I cam back they were still with the same people and I was told by the branch manager that they couldnt help me as closing time was in XXXX minutes. I told him they were still with the same people and that it wasnt fair. He continue to say I can make an appointment or go to another branch. I asked him for an appointment he said I could get in line very rudely and left me standing. I told them my husband is stranded in Michigan and not able to use this bank account and no one has cared to help.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am a victim of human XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from my credit : XXXX {$830.00} XXXX remove accXXXX XXXX XXXX {$0.00} XXXX remove acct XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX acct XXXX XXXX {$570.00} XXXX remove acct XXXX XXXX XXXX remove inquiry XXXX XXXX XXXX remove inquiry XXXX  XXXX XXXX remove inquiry
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (SC)

Unable to create an account online via XXXX website, I get and error XXXX, or an error saying my security quiz questions have reached its limit. Over the phone support keeps telling me to call XXXX, and they say to call XXXX. I am just needed to dispute some inaccuracies and outdated information on my consumer report.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Michael J Adams PC (PA)

On XX/XX/year>2024, I received an email stating that one of my XXXX XXXX  accounts had a negative balance of over {$7200.00}. I called XXXX XXXX  and found out that all of my accounts with them were frozen due to a legal hold. The only information I received was that it was done by XXXX XXXX, XXXX. 

XXXX XXXX had previously frozen my XXXX XXXX XXXX accounts ( and those of my daughters! ) in XXXX of 2024, but the holds were released because I was receiving child support. Through some research I had discovered that the XXXX XXXX XXXX XXXX XXXX XXXX was handling the debt collection for XXXX XXXX. After trying for a long time to reach someone there by phone, I was finally able to speak someone, XXXX XXXX XXXX XXXX XXXX I was never sent any documentation regarding what debt they were trying to collect or that they had the authority to collect on that debt. Shortly thereafter, the holds on my XXXX XXXX XXXX accounts were released because I was receiving child support. 

On XX/XX/scrub> 2024, I again emailed XXXX XXXX XXXX XXXX and informed her that I was unemployed and had moved from XXXX to XXXX. She requested proof that I had moved out of XXXX, and I was finally able to send that proof to her today, XX/XX/scrub>, 2024. I had previously asked for proof that I owed the debt and that they had the authority to collect on it, but I was never given any of that information. I believe that my accounts should be restored with the balances that were in my accounts prior to the accounts being frozen.
Consumer complaint received 2024-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (MD)

I sent PHH mortgage the notice that the semi-annual property tax payment was in XX/XX/year>. They failed to pay. The property went into Tax sale on XX/XX/XXXX. I have contacted this company to make payment and they have until XX/XX/XXXX to make payment or else they could put my property in foreclosure.
Consumer complaint received 2023-10-27
Product: Credit reporting 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. (NJ)

I urgently and respectfully request that the Credit Bureaus remove these fraudulent inquiries from my credit file, in strict accordance with FCRA section 605b, which mandates Credit Reporting Agencies to promptly eliminate any inquiries listed on an identity theft report. I have diligently included these inquiries in my IDENTITY THEFT REPORT XXXX XXXXXXXX, which I am resubmitting with this formal complaint. In anticipation of an update to my credit report within the next 15 days, I kindly request the immediate removal of the following inquiries : EXPERIAN 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
Consumer complaint received 2024-07-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

I am a landlord and took one month 's rent as a security deposit in XXXX. The amount was {$2200.00}. I opened the " tenant lease account '' or security deposit account at Chase bank in XXXX  XXXX. 
When my tenant moved out on XX/XX/XXXX I went to a branch to close the acct and get the money in it to give back to the tenant. They closed the acct. They said I would get a check sent to me PAYABLE TO THE TENANT XXXX XXXX within 10 days. That was about 60-days ago. I have been to the branch twice and got no resolution. Then I made 2 separate appointments at the main branch and sat with the manager of the main branch XXXX XXXX. On the last visit ( last Friday ) I was told it was escalated to a " case. '' That case # is XXXX. This is Chase Bank. The phone # for this dept is ( XXXX ) XXXX. I have called and gotten a person 's voice mail and they did not call me back. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have XXXX by law to return the security deposit. I can be sued. It is now 60 days!!! The amount due is {$2200.00}. The acct that held this money was # XXXX. The company name is XXXX XXXX XXXX. I am XXXX XXXX. I need this money that belongs to my ex-tenant As soon as possible!!!!! Please help!
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (VA)

I was summoned to court for being sued for credit debt from when I was XXXX. I am now almost XXXX XXXX XXXX and I believe that being I am in the state of XXXX, this debt has reached the statute of limitations and I should not be sued for this debt.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (TX)

When I send money abroad, a XXXX XXXX exchange rate mark-up against the mid-market rate isnt communicated as a cost. 
{$5.00} handling fee creates the impression it is the only charge for the transaction. 
Chase discloses they make money from currency exchange, but doesnt specify how much they mark-up their exchange rate.