davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MD)

I received an e-mail from XXXX XXXX claiming that I owe them {$420.00} for services to my computer. They e-mail had a phone number listed XXXX for me to call back to refute or accept the claim. I called and talked to XXXX XXXX XXXX ( personal cell # XXXX ) He accepted that they made a mistake and that the money was directly taken from my checking account from the XXXX  XXXX XXXX and when I asked him how did he get in to my account he assured me that he has my personal information. He however apologized that he will refund my money immediately. While he was in the process of refunding the money he told me that he mistakenly added {$40000.00} and that the money needed to repaid immediately if I don't want further problems. I saw it on the screen and after several calls from him I did what he told me to do. To get a Cashiers check and mail it immediately through XXXX XXXX Payable to XXXX XXXX of XXXX XXXX, XXXX XXXX California XXXX. He told me my original money {$420.00} ) will show up in my account the next day and for me to check with my bank, XXXX  XXXX XXXX. I did called him back to say there is no money in my account. 
My bank finally told me that the Cashier 's check was deposited at JP Morgan Chase in California and that I should follow up with their local CHASE Manager here in XXXX Md. I did and he told me that they will work and follow up with my bank to make sure that I get my money bank since it was deposited in CHASE bank. He promised that it may take sometime but I will get my money back. According to them it may take 90 days for a resolution between both banks. JP MORGAN CHASE BANK have remained very silent on this issue ; my life long retirement savings since my retirement last year. I have a copy of the deposited check in this bank and a signatory to the check which I will provide.
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

Newrez LLC is my Mortgage servicer and I applied for Mortgage relief through California Mortgage reliefprogram ( CMRP ). On Newrez LLC website Newrez LLC has advertised all over that they will support its cus-tomers if they are going to apply for home State relief fund but in real life their target is to foreclose on myproperty and take over on my property, advertisement on their website regarding participating in State relieffund is just a drama. I applied for two times to get relief from XXXX, but both the time due to Newrez LLC notcooperating, I was denied and now the program is closed. On top of that their attorney XXXX XXXX, CA XXXX XXXX. # XXXX contacted me and started humiliating me, has no manners how to speak to another in-dividual, very condenscending and she thinks she is superior than other people, I don't know how can a per-son like this become an attorney. Newrez LLC intentionally hired an attorney like this so that she can insultand humiliate me. 
Newrez LLC is discriminating against me, and doesn't want someone to enjoy a house of their own, they justwant to foreclose on properties so that they can make money. 
I don't know why they have put so many advertisements on their website regarding receiving state relieffunds when there intention is not to cooperate with the State relief fund.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I am writing to express my frustration and seek your urgent assistance regarding a claim I have been submitted last week from a transaction on XX/XX/year>, for a disputed amount of {$500.00}. The company of dispute is XXXX XXXX. Despite my repeated attempts to resolve this matter, my claim has been consistently denied on the grounds that I authorized and benefited from the transaction. However, I must clarify that while I did authorize the transaction, I did not receive the promised services, and the company involved has demonstrated deceptive business practices. 

The company in question, based in XXXX, has failed to deliver any of the services I paid for. I have made multiple attempts to contact them, but they have since disappeared. I have emails and other evidence proving that the services were not rendered as guaranteed. 

Unfortunately, U.S. Bank has not given me adequate time or requested all necessary evidence to support my claim before denying it. This has left me in a difficult financial position, and I feel that the bank is not fulfilling its duty to protect its clients. 

I have also tried calling US Banks Fraud department multiple times, but the phone line keeps disconnecting, adding to my frustration. This is not the level of service I expect from a bank where I have maintained a good relationship and significant funds. 

I kindly request that you re-evaluate my claim with consideration of all the evidence I can provide. It is critical for me to resolve this matter promptly due to my current financial hardship. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

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Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank account randomly closed without notice, have deposits going in and cant access money. Tried calling both sides neither can help me. They said the account can still receive funds and the senders said they cant reverse deposits. Bank is no help, frustrating and cant access my money to pay my bills or put gas in my car.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-11
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. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

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 XXXXXXXX, XXXX & XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

I received your response on XX/XX/XXXX regarding XXXX XXXX through CFPB, Let me tell you that I never shouted on XXXX XXXX or XXXX, she is lying. 

I can go through a Lier detector test. 

I did not shout on her at all, she called me and I explained her the matter, she replied that she did not understand, I politely told her that I am busy at the moment and I already explained the matter to her twice, so if she has any questions she can email me, as soon as she heard that she was the one who started shouting on me and then she hung up the phone. 

I do not know how can you hire such a person as an attorney who is a Lier.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX XXXX company through Bread Financial does not send statements through emails requested. I am signed up for payment alerts and either receive them the day after the payment is due or not at all. I canceled the credit card because of these fraudulent practices and they are now unable to remove any late charges or make any changes on the account. The late fees are XXXX dollars the company purposely does not remind customers of payments in order to incur fees.
Consumer complaint received 2024-06-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC (WA)

I have been attempting to get my lender, NewRez, to substantially respond to my request for a Partial Release. They have a dedicated department and email for this - XXXX. Unfortunately this mailbox appeared to be unmonitored until I filed my eaerlier ( and now closed ) CFPB complaint. Since then, someone from the partial release department ( XXXX ) responded and requested documents ( that I had already provided in an earlier email ), and I supplied again. That was over a week ago, and it has been radio silence since then. Requests for updates were made every other day. They were not responded to. 

I have essentially been ghosted by NewRez. I simply want them to respond to my request- and most importantly - to SCHEDULE THE REQUESTED APPRAISAL IMMEDIATELY.
Consumer complaint received 2024-05-16
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (WA)

I applied for HAF and was approved assistance but PHH would not approve Modification even though my financial has changed. It took nearly a year for them to respond to HAF and I did not receive a decision at all. Per HAF ( XXXXXXXX ) the reason for denial was ; No communication with client and, Documents missing. 
NEITHER ARE TRUE! 
I have endless emails and my phone calls to them were either ignored and/or given false information and one time I was abruptly hung up on. Every phone call to them was my simply wanting to make an appointment with a Relationship Manager to discuss my options ... .every time they told me there were no appointments available and told me to call back later ( this went on for a year while HAF was pending ) PHH also told me I could make an apt . via PHH website which a person loses their ability to sign on when in foreclosure. When I told them I couldn't sign on, they said they had forgotten that policy. This happened several times. It was impossible for me to talk with a Relationship Manager regarding status of Modification and/or my options. 
After speaking with HAF who reassured me of their help, I recently reapplied for PHH Modification to include another person 's income ( non-account holder ). Attached.
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I never received a letter of notification of this debt and have disputed this debt 5 times requesting them to validate the debt and send me proof and payment history of this debt but they failed to do so and left the debt on my credit reports unlawfully. I want this debt removed because they remain in violation of CFPB and consumer credit and collection laws.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-27
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. (MO)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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 2024-06-07
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

On XX/XX/XXXX this company contacted me threatening to damage my credit if I didn't pay the debt they said that I owed. I was only 20 at the time, and I think they took advantage of me by threatening to damage my credit and threatening that I would never be able to lease another place to live. 
I entered into a payment plan with them out of fear, although I specifically told them that I never lived in XXXX and that my identity was stolen the prior year when my moms car was stolen from the side of the road, while on a trip to XXXX. They pressured me into an agreement although I knew the debt was not mine. 
Later in XX/XX/XXXX, I began to dispute the account and show proof that my identity was stolen by presenting the police report, but this company continued to say that the debt was mine and they would not remove the collection from my credit report. I have been disputing this account and asking for validation of debt on dates XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and continuously through XXXX and XXXX. Through research I have now learned that this company is not licensed to collect debt in the state of Florida and therefore can not collect this debt from me.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

I am writing you regarding my chime account which was drained by my XXXX mother she took over XXXX from me just from one account which I also filed a dispute for the bank said they where investigating but denied my claim the same day as dispute filed I have given documents and proof of the accused she is now in XXXX for fraud please help me because the bank is just giving me the run around when money is supposed to be protected
Consumer complaint received 2023-12-18
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (KY)

Jefferson capital was claiming that I owe them {$1400.00} for a phone bill for through XXXX. I have never had sprint. Also XXXX was recently bought out by XXXX. I contacted XXXX  to ask them if I ever had a XXXX bill they claimed that I have never had XXXX, and I do not owe any money or never have, they claimed that theres a lot of people who are dealing with the same issue with Jefferson claiming that you owe them money because XXXX was bought out and there isnt much you can do about documentation
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Trans Union is reporting an inaccurate information in my credit report. I have disputed the inaccuracy contained in my XXXX XXXX XXXX XXXX Account on many occasions but Trans Union simply send me a letter that states account verified as accurate without providing me with the description of the procedure used to determine the accuracy and completeness of the information contained in my credit report as required by the FCRA. 
I have requested the description of the procedure used to determine the accuracy of this account from Trans Union on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but have not received anything back at the time of filing this complaint. 

Trans Union is therefore in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which states : a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (FL)

On XX/XX/XXXX the vehicle was involved in a horrible accident and was a total loss. I contacted the lender to inform them on XX/XX/XXXX and I was not given any instruction on what the next steps were. On XX/XX/XXXX I noticed Bridgecrest updated my credit report to repossession on XXXX, closed on XXXX and open on XXXX. 
I reached out to the 3 credit bureaus for them to validate and correct the inaccurate information and the lender has continuously updated the account as correct.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.