davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (AL)

My federal loan disbursement is being held up as pending with Heartland ECIS although XXXX XXXX  deposited the money at XXXX XXXX  on XXXX XXXX XXXX My disbursement is held as pending over the weekend. This is money I have taken a loan out for yet I am not given access to. This is a scheme by the University and by the third party loan handler Heartland ESCI. My excess money is being held until the very last minute on XXXX th day to be disbursed and I am not given access to the money until XXXX or more days. Heartland claims to give access to funds the same day as long as deposit is before XXXX pm yet once the funds are released from XXXX XXXX, heartland ECIS claims XXXX Hasn't released the money to them. I called XXXX XXXX  to see if I have a pending deposit and the answer was no. Heartland ESCi claims once XXXX releases the money than it will go directly into direct deposit account. XXXX claims the money was release on the XXXX. Now it's the week end so my money is just sitting with Heartland claiming to be pending because XXXX has not released the money. So who is at fault? If XXXX university hasn't not released my money, are they in violation for not releasing the money in XXXX  days after being paid with my federal loans? This is every disbursement. I am always being held up over the weekend paying interest on money that I can't have access to.
Consumer complaint received 2023-10-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CarMax, Inc. (FL)

I told company I did not have vehicle and my ex-wife has the vehicle in Texas somewhere and thst info was given to carmax and they still had sheriffs showing up at my house looking for vehicle which a couple times my garage had be lifted somehow with me being home which has to be a breach of my property and invading my home when Im not home. This has happened numerous of times. Also a towing truck company contacted me looking for vehicle and left courtesy cards on my door when I have explained thst that vehicle was not in my possession..
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I attached the documents, I see payments marked as late and I never been late on any of my payments, because of this error h= I have been struggling to buy a house, its giving me XXXX  and I feel like I can't do anything about it
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern, On XX/XX/XXXX I purchased music festival tickets to XXXX XXXX XXXX at the XXXXXXXX XXXX XXXXXXXX in XXXX, Florida. With this purchase was an add-on for ticket insurance in the case that you could not make the festival. The merchant was XXXX. The total cost of the ticket was {$270.00} with {$20.00} being the add-on for ticket insurance. The music festival was set to take place on XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX, a family member suffered a medical emergency and within the terms of the insurance policy I enacted a claim and was assured that my claim would be accepted and I would be refunded the full price, minus the {$20.00} for the add-on fee. After submitting the appropriate documents my claim was accepted and I was told that a refund would be processed and issued within 7-10 business days and if a refund was not present that I was to contact my financial institution to initiate a chargeback. The refund was to be labeled in the same manner as the initial charge was. 

Attached to this letter is the insurance policy which outlines the validity of my claim, the correspondence that says my claim was received, processed, and accepted as well as the communication that I should contact Chase Bank to initiate a chargeback. 

After sending the documents to Chase, they have refused to credit my account back the money and keep telling me they have to wait for the merchant in order to resolve this, but they did not wait for me when they took the money back. I have called Chase Bank over 7 times in the past 30 days to resolve this issue, giving them ample time to resolve this.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023. I cancelled my subscription to XXXX which was in the amount of XXXX  On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have been charged XXXX and I should not have been charged. I have sent Chase Bank proof of the cancellation and they told me I have to resolve this with the merchant and the merchant is refusing to contact me. It's not fair that I have to pay for fraudulent charges.
Consumer complaint received 2023-05-05
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. (FL)

This account is reporting late as reported in my XXXX and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report and complaint with XXXX, XXXX and TransUnion over 30 days ago. According to the Fair Credit Reporting Act, these items must be removed from my credit report. 
TransUnion Complaint ID : XXXX XXXX XXXX Complaint ID : XXXX - XXXX Experian Complaint ID : XXXX - XXXX This is very upsetting and I need this fraudulent information removed from my credit report within 4 business days. 


FRAUDULENT ACCOUNT : Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX,
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

account number XXXX, credit acceptance has illegally hiked payoff prices increase of XXXX less then 2months last pay off request was XXXX off a 4XXXXloan today as of XXXX XXXX the loan pay off is XXXX and a past due balance of XXXX in which the creditor has recieved XXXX in total since the last payoff request the creditor is guilty of fraudulent practices of consumer finance
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (LA)

On XXXX XXXX, Chime without Notice nor Explanation stole over {$36000.00} from my Savings account and closed my Account, I immediately contacted them, they continue to give me and my wife the run around via email and phone. 
I tried explaining to them that I linked a XXXX card to my Chime Account so that I could have access to my account, until my permanent Debit and Credit Builder Card arrives, I'm a tXXXX XXXX and only card I have is the XXXX card I just activated same day ( XX/XX/23 ). They claim, I went against there Direct Deposit Agreement olicy Agreement, because I moved all my money to my Savings, I moved my Money because I didn't want unauthorized merchants or people gaining access to my Chime Account. 
I've given Chime everything but a XXXX XXXX XXXX XXXX  to prove I'm XXXX XXXX, as well XXXX XXXXXXXX Bank Statements and my Boss XXXX XXXX ( XXXX XXXX ) to Verify Wages, Deposits and Employment. Yes I'm reporting theft of my Money, because Locked me out of Access to my Chime Account, and other people Complain Chime has done this to them, As a resolution, I want chime to Refund all of my Money with in 14 days. And I promise to XXXX to never do business with there Financial Establishment again. This has caused confusion in my home and a burden on me, I have Rent, Bills, XXXX children I'm paying Child support for, I've Used Chime over XXXX years, for them to press a button and Wipe all I saved is Wrong Proof I'm the owner of XXXX XXXX  card picture submitted
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX : {$300.00} put on hold on my checking account. This CC was from after XX/XX/11. The original total was {$350.00}, now they want {$12000.00}. It's been 20+ years. 
XXXX ( XXXX ) XXXX or XXXX ( XXXX ) XXXX. Please help. They have a hold on the funds but can't actually remove them as they are not a legal entity that practices proper legal procedures but buys debt for pennies on the dollar and then threatens people into paying. After XX/XX/11 I maxed most/all of my cards and eventually paid them all save one, the Midland XXXX . Their tactics were incessant and rude, they added penalties and interest that turned {$300.00} into {$12000.00}. XXXX
Consumer complaint received 2023-10-02
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: SLM CORPORATION (PA)

6 Hard Inquiries that I did not apply for : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Sallie Mae XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Remove the fraudulent accounts from my credit file within the required timeframe, as mandated by FCRA. This is a final warning : If the listed accounts are not blocked or removed, legal action will be taken, and my attorney is ready to ensure accountability for your noncompliance. DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX  Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-04-11
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. (HI)

I got at call from XXXX XXXX XXXX asking me if I was applying for a XXXXXXXX XXXX XXXX. I told them absolutely not. She said okay and that she would " take care of it '' Then I got an alert from XXXX XXXX  that there was a credit inquiry ( XXXX ) and then the next day there were inquiries from both TransUnion and XXXX. 

I have Fraud Alert already in place on my credit report but because we are in the process of getting a mortgage I have NOT yet placed a freeze.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IA)

-> General multiple noises and sound disruptions. 
-> Neighbors that were barely there and likely employed as XXXX XXXX XXXX XXXX XXXX 
-> A record of 2-3 maintenance requests that did not get fixed on my first request. 

-> An unrequested maintenance request " routine check '' that further damaged the plumbing in my bathroom, resulting in further sound disruptions. 
-> Severely illegally overcharged for attempting to fix these inflicted damages on my apartment for {$1500.00}, amidst noticeable confrontations from personnel wearing XXXX XXXX XXXX XXXX 
-> Ending my final rental renewal through the XXXX XXXX XXXX. 
-> Being notified for the first time of more illegally overcharged dues of maintenance requests after the first day of my expected active duty training period report date.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: R & B Corporation of Virginia (FL)

Credit Control Corporation is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( Credit Control Corporation ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation (GA)

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, written unwritten verbal and nonverbal. Per 15 USC 6802.
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NE)

XXXX XXXX XXXX contacted me with a litigation for a Wells Fargo Bank account that they claim I had and was charged off. I have never had a Wells Fargo Bank account ( 20 years ago I did in 2000 but nothing past that and the account was closed ) They are claiming I owe {$900.00} and claiming if I dont pay I wont be able to submit checks or use my debit card. 
I asked them to send me a letter stating what I owed and who this was through. They sent me a letter dating XXXX I received the letter with all my information, I have not called Wells Fargo to confirm. When I searched online it said this XXXX XXXX XXXX is a scam.
Consumer complaint received 2023-05-05
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: LEXISNEXIS (NC)

I have been trying for months to resolve the issue of an inaccurate item on my credit file with XXXX. Each time I have disputed the item, they claim to have verified it with their Public Records provider, Lexis Nexis. Lexis Nexis has consistently claimed that they have deleted the item from their files and have claimed to have taken steps to have the item removed from the files of the three main CRAs. However, even though in the last complaint response regarding my complaint to you about Lexis Nexis, they stated clearly that they were investigating and would contact the CRAs and advise me of their findings, clearly, they have not done so. This is obvious from the attached excerpt from XXXX 's response to my XX/XX/XXXX dispute, which was just posted on this portal, as they apparently have once again confirmed the item to XXXX ( please note the highlighted text ), contrary to what they have claimed to have been doing. I have sent Lexis Nexis several requests to send a clear directive to XXXX to remove the item, but they have not responded to me and obviously have not done so.
Consumer complaint received 2023-07-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/2023 we called Citizens Bank customer service to pay off BUT NOT CLOSE our Home Equity Loan. Customer Service told us to pay {$8200.00} so we did. She explained ( on a recorded call ) that when we CLOSE the account, we will pay the PAYOFF AMOUNT On XX/XX/XXXX we received a FORECLOSURE LETTER from Citizens Bank for being over 30 days past due on a {$34.00} payment. 
On XX/XX/XXXX Citizens issued a credit payment delinquency statement to all three credit agencies saying we were delinquent on a Mortgage Payment and each of our credit ratings dropped XXXX points and will not recover ( per XXXX ) for XXXX years. 
WE ARE ASKING SPECIFICALLY THAT CITIZENS WITHDRAW THE PAYMENT DELINQUENCY STATEMENT REPORTING THE LATE PAYMENT OR CHANGE THE WORDING SO IT STATES THAT WE WERE FOLLOWING THE INSTRUCTIONS GIVEN BY CITIZENS BANK.. WE WERE UNAWARE THAT WE OWED ADDITIONAL MONEY BECAUSE OUR BALANCE SHOWED {$0.00}
Consumer complaint received 2023-10-06
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. (NV)

In accord with the Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C.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 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. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I called today XX/XX/XXXX to make my payment to Truist Bank and XXXX XXXX XXXX in XXXX answered and helped me with my payment and then when I asked about why I hadn't received a mortgage statement in the mail she said it was because I requested it. I asked her how did I agree to only electronic statements? She could not answer me I asked her when and on what date and eventually she said twice. Once on XXXX, XXXX XXXX and then again on XX/XX/XXXX. We were on this conversation for 34 minutes and 23 seconds according to my phone log history and not only could she not answer me but she must have lost her place reading the computer screen because she asked me to confirm my account number again for a payment we already had processed in the middle of answering my question on where did I agree to only electronic statements. Again the dates she did provide makes me Question it even more? Again I have questioned your ethics when it comes to observing and obeying Federal Data laws. Show me where I agreed to wanting to stop paper statements in the mail on XX/XX/XXXX XXXX ... .She said she could only see the dates but could not not see beyond two years and I did tell her this was not a reply of satisfaction to any complaint filed and I was Hanging up because she could not answer my question
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

PORTFOLIO RECOV ASSOC has accessed my credit report on the following dates Date of request ( s ) XXXX XXXX XXXX XXXX XXXX I do not know anything about this company or any debt owed to them.
Consumer complaint received 2023-10-06
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. (NV)

In accord with the Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C.1681. XXXX XXXX ( original Creditor : XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX acct : # XX/XX/XXXX, XXXX XXXXXXXX acct : # XXXX XXXX XXXX acct : # XX/XX/XXXX, XXXX acct : # XXXX XXXX acct : # XX/XX/XXXX, XXXX XXXX XXXX XXXX acct : # XX/XX/XXXX, XXXX XXXX acct : # XX/XX/XXXX, XXXX XXXX XXXX  acct : # XXXX XXXX, XXXX acct : # XX/XX/XXXX, XXXX XXXX XXXX acct : # XX/XX/XXXX, XXXXXXXX XXXX acct : XXXX, XXXX XXXXXXXXXXXX acct : # XXXX XXXX XXXX XXXX XXXX acct : # XXXX. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 a fraudulent non-verified wire transaction of {>= $1,000,000} was allowed to be taken out of our business account. We were told that a recall was approved on XX/XX/2023 for our monies to be refunded into our business account. We asked for documents showing the fraudulent wire transaction that was allowed and, for a letter stating what happened for our records. To date, we have not received the recalled funds of {$190000.00} or any documents or paperwork stating the fraud that occurred to our business account. We are in a dire situation as we can not meet the upcoming payrolls et.al.