davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-11
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. (SC)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5000.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

I recieved a check from XXXX XXXX XXXX XXXX ( apartment under XXXX XXXX ca ), with amount of {$11000.00}, and thats is for refund of rental security deposit. 

I deposit the check into my Chase checking account around XX/XX/2023, ( I forget exact date ) Usually the balance should be available in next business day, but it's not. I called customer service, they are the yare holding that check for 10 days. 

On XX/XX/2023, I found that my checking account is being closed On XX/XX/2023, I meet agent in a chase branch, he told me rest of my balance will be mailed to my adress. But {$11000.00} from that check is suspended, and call XXXX later to figure out the reason. 
On XX/XX/2023, I called that number here is their response : " The check is suspicious, so they want to contact the sender. However They can't find sender 's registered number in system. So customer has to provide one to them. '' Here are two issue. First is that the sender ( XXXX XXXX XXXX ) doesn't have a phone to call, they only have email. Second is that the sender also used Chase account to send me the check, and Chase said they can ; t find sender 's information. 
On XX/XX/2023 I called Chase again, they said if I can't provide sender 's registered number, I should let sender issue a stop payment and send me a new check. 
On XX/XX/2023, After I contact the sender ( XXXX XXXX XXXX ), here is original response in email : '' As previously stated, your check cleared our bank account on XX/XX/23. Be advised that we are unable to issue a stop payment on a cleared check. We wish to clarify that if your bank is holding back the funds, then you will need to contact your bank directly regarding the release of funds. Additionally, Chase bank has access to our account and may contact us with any questions they may have. '' Now it's like a circular conversation. Chase want to contact sender. Sender says the check already withdraw money from their account, they can't do anything.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

DELETE FRAUL ALERTD AND/OR EXTENDED FRAUD ALERT Experian XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My XXXX loan account was paid in full on XX/XX/2023. XXXX  is still reporting a balance on this account to the credit bureaus. I have emailed XXXX and sent a credit dispute and they have not responded to my email and responded to dispute incorrectly.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (GA)

My wife and I have XXXX  credit cards through Barclays and for the last 2 months we have sent check payments via USPS 12-15 days before the due date, but yet the didn't post the payments until after the due date, charged us a late fee, and even shut off our cards. After talking with them over the phone and explaining that we had mailed the checks with plenty of time for them to get there before the due date, they took off the late charges, and tried to get us to let them take their payments directly from our bank account. We have never had a late credit card payment before, and our credit score is in the high 700 's, but has come down from XXXX due to Barclays stalling our payments in order to place a late fee on our last 2 payments. 12-15 days in the mail should be plenty of time to get our mail and is plenty of time for all our other credit payments. Barclays is the only one we are having a problem with and it seems to me that they are deliberately delaying our payments in order to do away with paper payments and take money out of our bank account. They also tried to XXXX us out of our reward points from XXXX credit when they were XXXX and switched to Barclays and they were supposed to honor the accrued rewards from XXXX. We had to fight to get the rewards before they would apply them. When XXXX made the switch, Barclays automatically gave us a Travel Rewards card when we were supposed to get the option between that card and the Essential Rewards card which pays rewards for medicine and groceries that was much more useful for us. We had to fight to get our optional card. Not happy at all with the way Barclays is treating us.
Consumer complaint received 2023-12-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MN)

After going over the validation letter There is nothing on there that i owe union flats. The rent on there says potential which means its what would be owed had I not moved out which there was a mutual agreement between site manager XXXX  regional manager XXXX XXXX and my section 8 worker XXXX XXXX for me to break my lease. Also in the letter it speaks about the carpet cleaning in the lease states that we can clean it or allow union flats to clean it and deduct it from the deposit. I lived there 2 and a half year and there was no damage to the walls, I didnt have small children and anytime i may have made a spot i would clean immediately so no reason to paint. XXXX XXXX XXXX XXXX XXXX XXXX in it which if replaced it would have come from my deposit being that i never received my deposit back nor was i awear of these charges, Ive not been there for two years. I sent a copy of the email to national credit system collection with the move out information. After a month of this company saying they did not receive my letter I finally got someone that said it was there in my file which was XXXX XXXX. After going over everything with XXXX XXXX she informed my that the attorneys are saying they contacted union flats who stated i chose not to accept there offer. I explained to XXXX XXXX i was the one who initiated the move out so there's no way they spoke to anyone at union flats because they would have seen the corresponding email between myself the site manager the regional manager and section 8 worker. Had i not gotten permission to break my lease from all involved and moved anyway I would have been kicked off the housing program. Still I was informed that the collection will stay on my credit report until paid or a payment arrangement was made. I was also informed that they would make it hard for me to rent anywhere else or establish credit with anyone as the negative mark will remain.
Consumer complaint received 2017-09-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

I have tried on multiple occasions to setup repayment options for my student loans with Navient. They have never once done anything to help me resolve this debt. When I attempted to make payments in the past my payments were rejected, but once I submitted a higher payment they were accepted. I 'm a single mother on a fixed income, Navient has failed to help me this destroying my credit. They have failed to consolidate my loans, defer any of my loans or do anything to resolve the issue other then send collection letters in the mail for extreme amounts of money I can not afford to pay.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Last 4 SSN To whom it may concern, I, XXXX XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : following inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

so this woman added me on XXXXXXXX XXXX XXXXXXXX is her profile link and she offered to help me make money on bidding on nfts. she then added me on XXXX XXXX with the phone number i provided. she also added me on her supposed work phone on XXXX XXXX as well. XXXX XXXX XXXX XXXX the other number is XXXX XXXX XXXX XXXX she goes by the name XXXX XXXX XXXX and claims to own her own yoga studio she talked me into downloading trustwallet from XXXX  and then from there wire transfering my money from chase bank into it at first it looked like everything was going good but the browser she had me open which was called XXXX XXXX which is a website im sure she created on her own to scam strangers for money. so somehow she hacked into my trust wallet and stole all my funds which was a total of {$24000.00} dollars. once she did this she shut down the website and never spoke to me again. now when i try to visit the website it goes straight to a metamask website. please help me get justice and retrive my funds back this has set me back significatly my name is XXXX XXXX and my phone number is XXXX XXXX XXXX. Please let me know what steps i need to take to get this taken care off. the wire transfer went through a bank called XXXX XXXX XXXXXXXX XXXX which is located in XXXX New York XXXX XXXX XXXX XXXX XXXX. i have tryed to contact this bank to perform a chargeback process and ive left multiple voicemails but they dont return them. i also checked the reviews recently on this bank and many people have complained that this bank is running a criminal organization and scamming many people out of their hard earned money. i also tryed to contact chase bank to perform a chargeback process but they did not help me with this they said i have to contact the bank and the authorites i also am planning to get a lawyer to help me deal with all of this please help. also in the discloser it states that i have 120 days to do a charback process through chase bank and it has not been 120 days and they said they couldnt do it or help me with no concern of my stolen funds
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (FL)

Hello, My name is XXXX XXXX XXXX. I am a Consumer who currently resides at 1935 XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX did not give Mercedes-Benz Financial Services USA LLC permissible purpose , nor did a court of competent jurisdiction issue an order for Mercedes-Benz Financial Services USA LLC to furnish an inquiry to XXXX, XXXX. Mercedes-Benz Financial Services USA LLC and XXXX, XXXX. have both been placed on a Cease and Desist regarding this inquiry. Mercedes-Benz Financial Services USA LLC and XXXX, XXXX. are both violating the XXXX Act ( 15 U.S.C 6801, 15 U.S.C 6802, and 15 U.S.C 6803. Also, Mercedes-Benz Financial Services USA LLC and XXXX, XXXX. are committing Aggravated Identity Theft by transferring my nonpublic personal information without the lawful written consent of XXXX XXXX XXXX, XXXX. I, XXXX XXXX XXXX, XXXX, did not receive any benefit from this transaction.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent my letter off XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter that was sent According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have the knowledge concerning any such items of information. 

They sate my accounts were verified but how could that be possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

List of the accounts disputed : 1. The following account is not mine XXXX XXXX XXXX Acct # XXXX ... .Date Opened : XXXXPlease remove it from my credit report. 
2. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report. 
3. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report. 
4. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XX/XX/XXXX 5. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XX/XX/XXXX
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MI)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alpha Recovery Corp (FL)

I have an outstanding balance of approximately {$1000.00} XXXX. I committed to pay for it. I am currently jobless and it's hard to pay the smallest amount. I call this company to let them know and they are bashing my process. They tell me getting a debt consolidation is a bad idea. They also say I have funds that I'm not releasing. They said I didn't intent on paying the account off. They also involved my wife saying her being in the military in debt is a bad look. There's much more. The line was recorded on both ends. I felt very harrassed and so did my wife as she was there listening with me. I have never been been this disrespected by a debt collector.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

All Star XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COAF XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX FIN INST XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX GUARD XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XX/XX/XXXX JPMCB CARD XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX 'S, XX/XX/XXXX XXXX CR XX/XX/XXXX NEW AMERICAN XX/XX/XXXX XXXX XX/XX/XXXX SUMMIT XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NC)

on XX/XX/2023 i received a letter from my bank telling me that the net monthly payment went up from XXXX to XXXX so we talked to the company and they told us that the escrow account balance is up and we have shortage too. 

so now they asking me to pay every month another XXXX extra. and there explanation that the county tax went up and the insurance too. 
and they don't offered any help about. they didn't show any document to support what they saying
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (NY)

I was a victim of check fraud for {$24000.00}. Citibank ordered me to file a dispute, to which they responded more than 30 days later ordering me to then open a check fraud claim. I did this the same day and my case was closed because they said I did not file the check fraud claim within 30 days.
Consumer complaint received 2023-12-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (CA)

XXXX XXXX/ XXXX XXXX XXXX closed the location that I used to work out at. I have attempted to cancel this membership at least 5 times. Each time they take the information and commit to respond. They do not respond and another charge would appear. They have disconnected our phone calls several times after waiting on hold multiple times. I finally denied the bank charges after all these attempts of trying to cancel my membership, and now they say that I owe back membership dues. I have never been to the health club since they moved their location two plus years ago and they can see that in their records as my card has never been scanned. I paid and was patient after requests to cancel, and they never processed my request. I am entirely within my right to refuse further excessive payments and the amounts sent for collection are inaccurate and unfair. All requests for calls and contact with me should collection should cease and desist immediately. My credit should be restored and this collection effort should not be reflected on my credit report. It is inaccurate.
Consumer complaint received 2023-12-13
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: RoundPoint Mortgage Servicing LLC (KS)

RoundPoint Mortgage purchased our loan from XXXX earlier this year. The payment process was seamless and our automatic payments continued to be transferred from our account to RoundPoint. No payments were missed or deferred. We can provide all bank account withdrawals as well as payments to RoundPoint. We started to get letters stating we were delinquent/late as well as missing payments. I spoke with a representative regarding the first letter we received and was told that there were some small issues regarding the transitioning from XXXX to RoundPoint but that we were in fact in good standing. We again started getting more letters regarding late payments. We called, emailed, and filled out the contact sections on their site. No response from the emails, no results from the calls, as well as being on hold for long periods of time just to be disconnected. We are being assessed late charges as well as negative marks to our credit hampering possible future loan needs. 

* sorry don't have exact dates of communication
Consumer complaint received 2023-09-24
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I had 8 accounts with Synchrony accounts- Amazon, Pandora, American Eagle, Crate & Barrell, JC Penney, TJ Maxx, Verizon and Care Credit. I have paid every account on time for years, used the accounts, and even paid over minimum constantly. Synchrony closed all accounts and when I asked why they said I was a high credit risk. They also said I could reapply, which I did for a few, only because I used them constantly. I was automatically approved, which is funny since I am a high credit risk. By them closing my accounts, they have tanked my credit score, and if makes it seem as if I dont pay bills or look bad to other creditors. Something needs to be done about credit bureaus, they affect lives.