davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/year> there was a check deposited from XXXX XXXX  check # XXXX in the amount of {$650.00}. at the time the check deposited it, the account was over drafted {$350.00} dollars, I was advised that the check would clear on XX/XX/year>, the check to date is still on hold by Chase Bank, The writer of the check called XXXX XXXX  to see what was going and why the check hadn't been paid to Chase Bank but XXXX manager XXXX at XXXX # XXXX stated the check had been paid on XX/XX/year> and their customer the check writer incurred a {$34.00} charge so they could cover the check. When I spoke with Chase, I was told the reason they couldn't release the check, was because they needed to verify the check had been paid. My account is now over drafted almost {$600.00} dollars over this and it's not my fault, but Chase is refunding to credit back the overdrafts fees. XXXX and the XXXX account holder stated that these funds were paid, and I must pay my rent on the XXXX, but because the account is over drafted, I won't have enough to make the payment. This is so dishearten, I'm already struggling as it is and to have a bank, I've been with for more than 20yrs respond to ne this way makes me want to close my accounts, this isn't hoe business is done, to add injury to insult you can't understand anything the Chase reps are saying because they don't speak XXXX well.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

I received a check from a third party that I deposited in my Chase checking account. A few days later I went to the Chase branch on XXXX XXXX & XXXX XXXX in XXXX and sat with a banker ( XXXX ) to confirm that the cashiers check was cleared. XXXX confirmed it was money good. Based on that confirmation I sent a {$1000.00} XXXX payment from my funds to a party that the original third party ( a XXXX XXXX ) requested I provide with excess funds to the check he issued me. 
Turns out the check I deposited from the third party was returned by the other bank - I believe because it was a forgery. 
I spoke to Chases fraud department ( XXXX XXXX and asked why a checked cleared by XXXX would turn out to be fraudulent yet I relied on them confirming it was cleared with funds available to in turn XXXX a {$1000.00} payment request by the check writer / third party? XXXX said while the bank cleared it on their end a day after I deposited it ( and a few days after I visited the branch to confirm ) and the funds where available in my account it takes XXXX business day for them to clear the check with the other bank. I asked XXXX how I could recover the {$1000.00} XXXX sent out after relying on Chase confirming it was good but ultimately bounced? XXXX said even though XXXX made the funds available in my account they have those XXXX business days for clearance and that it was my responsibility and my loss. 
I considered contacting XXXX but when you do a transaction with them the warnings are pretty clear that it is at the senders risk. 
My complaint is with XXXX and why they dont wait the full XXXX business days before making the funds available and why the personal banker at the branch ( XXXX XXXX didnt know or didnt inform me that even though I specifically went to the branch to confirm the check was good there was still a risk that it could be bad because the full XXXX business days had not occurred. 
My action to go ahead and XXXX a {$1000.00} to an unknown party strictly relied on XXXX confirming both electronic and in person the check was good.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and Procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on fie for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 

Creditor Name : XXXX XXXX XXXX - {$12000.00} Creditor Name : XXXX XXXX XXXX - {$2100.00} Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: A&D Mortgage LLC (NY)

I just got me a copy of my credit report and I found some stuff that is not right. From what I have been told, you have to verify anything I think is not right. Please do one of investigations on the account that I listed above and mail me results. On the internet it says you must finish within 30 days, so I will wait until then. The follow needs to be verified : A & D MORTGAGE LLC XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (KS)

I received this text message to my phone from XXXX XXXX XXXX. I have never done business with this company. I did not contact them as I think it is spam. In the past if I received this in an Email, or text, companies have told me do not click on anything in message or call them, as then they would have all your contact info. I copied the message below out of my text messaging. 

We are a debt collector Customize your payments to fit your life with ease. Get ahead with our flexible payment plan : XXXX : {$36.00} Duration : 32 months XXXX to start? Visit XXXX? XXXX. Questions? Reply or call us at XXXX during business hours. 

This message is from Spring Oaks Capital , LLC and is related to your Milestone XXXX account, originated by The Bank XXXX Missouri, now owned by Spring Oaks Capital SPV , LLC. 

Click here for important disclosures https : XXXX.
Consumer complaint received 2024-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Management Services, Inc. (TX)

I am requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with their business name, and phone number as well as sign documentation that proves this account belongs to the consumer, if you can not provide me with this information in 15 days update the account removal due to identify thief and send a copy of my updated credit report.
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (AZ)

To Whom It May Concern, I am writing to formally dispute the erroneous information that your company has reported on my credit file. As someone who understands the intricacies of consumer law and credit reporting, I can confidently assert that the inaccuracies in your reporting violate multiple federal regulations.

Legal Violations Identified : 1.Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This section mandates the complete and accurate communication of information by debt collectors. Your failure to provide accurate information is not just a simple oversight but a clear breach of this regulation.

2.Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This law requires debt collectors to validate and communicate debt information clearly and comprehensively. The data you provided lacks the necessary clarity and accuracy, resulting in substantial confusion and misrepresentation on my credit report.

3.Violation of 12 CFR 1006.34 ( d ) : This regulation requires that written notice of debt be sent within five days of initial communication. I have yet to receive any such notice that meets these legal standards, further compounding the issues with your reporting.

4.Violation of 15 USC 1661-s 2 ( 7 ) ( a ) : Under this federal statute, all information furnished to credit bureaus must be accurate and current. Your companys failure to update or correct the misinformation constitutes a serious violation of my rights under this law.

In light of these infractions, I demand the immediate removal of the inaccurate information from all three major credit reporting agenciesXXXX, XXXX, and XXXX. I also request written confirmation that this information has been deleted and that no further reporting will be made unless it fully complies with all applicable laws. 

Please be advised that if this matter is not resolved within 30 days, I am prepared to escalate the situation by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies to protect my rights. 

I trust that you will treat this matter with the urgency and seriousness it warrants. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

When Carrington mortgage took over my loan in XXXX of XXXX, they claim my escrow account was negative {$1700.00}. When checking into my previous lenders statements to me about my escrow it showed that when I transferred over, my escrow account was XXXX ( they also took two FHA payments out for XX/XX/XXXX ). My insurance was taken out in XXXX of XXXX which is paid on a yearly basis and my taxes were paid in XX/XX/XXXX which in bi annually. Because Carrington stated my escrow account was negative by so much they increased my escrow payments in XX/XX/XXXX making my monthly total payment jump from {$560.00} to {$890.00}. I believe Carrington mortgage has overcharged on my escrow and they will not share with me what was given to them from XXXX when my loan was transferred.
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

SAVE application was filed with Federal student aid.gov on XX/XX/2023. Application was sent to Nelnet on XX/XX/XXXX. I also applied for PSLF through XXXX. On XX/XX/XXXX, Nelnet advised that loans were being transferred to XXXX. It was then that I realized my loans were approved for PSLF. 
On XX/XX/XXXX, i received a notice of billing from XXXX. The bill did not reflect a lower billing amount from SAVE. In fact, the bill is unaffordable for me. I called XXXX, and they stated that they never received a SAVE application from Nelnet. I called Nelnet on XX/XX/XXXX. They swore that the federal SAVE application was sent to XXXX at the same time that my lowns were transferred-on XX/XX/XXXX. I called XXXX again. They stated it was not sent. Today I spoke with a high level supervisor at Nelnet. He confirmed that my SAVE application was NOT sent to XXXX at all. I asked why my SAVE application, as part of my file, was not sent with my loan transfer. I did not get an answer. So first I was lied to, then I got apologies. There was no notification from Nelnet that I had to reapply for SAVE, or that it couldn't be processed, until 3 weeks after my loans were transferred to XXXX. 
I had to reapply for SAVE on XX/XX/XXXX, making it too late to effect 2 bills from XXXX so far. These bills are unaffordable, causing me to go into forbearance. 
SAVE is a federally filed document. I should have been notified, as it was also part of my account, of anything regarding its processing.
Consumer complaint received 2024-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

Mohela addressed the inappropriate interest capitalization event in which they capitalized {$100000.00} during the switch from old Mohela to new Mohela. I received an apology letter thanks to CFPB. In that time frame, I also asked them to revert my payment back to the XXXX value prior to the inappropriate request for income recertification. In XX/XX/XXXX they asked me for an income recertification ( the first request since payment pause in XXXX ). I submitted mine in late XX/XX/XXXX. The federal government then extended the deadline to XX/XX/XXXX. They also said ( see below ) that anyone who was inappropriately asked to recertify their income could cancel that increase and go back to their old payment amount. Mohela did not return me to my prior payment amount. Since XX/XX/XXXX, my payments have been {$400.00} a month more than they should be. I requested on XX/XX/XXXX that they revert me to my old payment before the inappropriate income recertification. Their initial response was that I did not fit this criteria. I read the policy to them. They still said no. Then I asked them to find their policy on it and read it to me. They read the below policy from the XXXX XXXX XXXX website. I said the policy applied to me and they finally agreed. Then they said they would need XXXX weeks to change my payment amount back to the old amount. There has been no change to my payment amount and no communication back from them. I have sent messages and called to no avail. 
Appreciate your help. 

Fed student aid explanation here : XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (WV)

I'm an American citizen presently residing in the XXXX since XXXX of XXXX. I have received my social security payments on my direct express card ever since I've been here. My latest deposit from social security was deposited onto my direct express card on XX/XX/XXXX, but my card has been locked by direct express ( Comerica bank ). Since XX/XX/XXXX I've made over 50 phonecalls to direct express, answered scores of security questions, passed two identity checks, and have been told several times that they have unlocked my card. But when I try to use it, I find that it's still locked.
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (CA)

I lost my debit card on a trip to Texas. I then proceeded to freeze that card and cancel all further charges. I also then stopped going to XXXX around that same time and was still getting attempted charges on my account even though I was no longer going to the gym
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

My Citibank has been closed with reason. Citibank withheld funds from my personal access after closing and restricting my account. 

no reason or dept contact was provided by local branch of Citibank or calling into the customer service lines. 

Whatever the ( undisclosed ) reason for the account closure, I have been unable to attain any Citibank related credit cards on the consumer market. Examples such as XXXX Citibank Visa card, XXXX XXXX or XXXXXXXX XXXX Dept store credit cards. 

Citibank has blacklisted my account and has not disclosed reasons for doing so. This has adversely impacted by ability to finance gasoline and perishable food and daily supplies at XXXX.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

My Wife and I are XXXX  retirees. USAA Bank closed our account on XX/XX/XXXX for a suspected wire sent to a scammer which was not the case. They refuse to give us our money for 60 days which are monthly Federal retiree deposits and Social Security. It is my understanding that Federal retiree deposits that are made electronically are protected from being locked for the past 2 months. They don't care that we have no money to live on or pay our Mortgage and other bills.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Account number : XXXX Company : Toyota financial services. 

This is a complaint that Toyota financial services is reporting inaccurate and incomplete information on my consumer report. The notation of the following late payments is inaccurate. Please investigate and verify all data on this account is reporting accurately, including every payment, date and notation. Whether its reported or not. 

I also Respectfully request to be provided specific proof that these late payments were in fact late. I request to see payment transactions and statement records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( paid as agreed, never late ) according to consumer protection laws.
Consumer complaint received 2024-08-04
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Entrata Inc. (AZ)

I moved into a apartment called XXXX XXXX and the landlord is trying to collect on a void stipulated judgment that was null and void I didn't agree to or sign the agreement. The apartment manager name XXXX altered my signature also on the XXXX XX/XX/XXXXand ledgers and she changed the numbers on the ledgers to make it appeal as if I didn't pay my rent. She filed other eviction notice by fraud by presenting false, fraudulent 5 day notices to XXXX XXXX XXXX. The court documents amounts is incorrect it is inconsistent with the lease actual rent. The third parties and XXXX XXXX, Resident Verify, XXXX XXXX XXXX and the rest of the rental screening companies is in violation. The attorney XX/XX/XXXXXXXX provided knowing false information to the third parties knowing it was incorrect. The law say clearly the third parties have a obligation to provide correct information they are not following the law or rules.
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (GA)

On XX/XX/2023 I reviewed my credit profile from the credit reporting agencies Equifax, XXXX, and XXXX. I found there were Hard inquiries from different companies that I did not authorize for these inquiries to take place.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (CA)

I have 4 entries on my credit report erroneously from a company called AFFIRM INC . I have reached out to XXXX to dispute more than once. AFFIRM INC, claims that I am responsible for these accounts. I have never had an account with this company. I have requested multiple times for AFFIRM to provide the proof/documentation of this claim. They have not provided this information. i have made multiple attempts via phone to have this proof/documentation provided with no success. 

there contact information is as follows : AFFIRM INC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX