davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I am a XXXX XXXX XXXX running an XXXX XXXX XXXX and use a Chase XXXX XXXX credit card. On XX/XX/2024, I placed an order with XXXX ( XXXX # XXXX ) for a total amount of {$1800.00}. At the end of XXXX, Chase mistakenly flagged the transaction as fraudulent without consulting me and requested a refund from XXXX. XXXX returned the money on XX/XX/XXXX, and since then, I have been calling Chase to resolve the issue and contact XXXX. Chase claims they sent the money back to XXXX on XX/XX/XXXX, but XXXX has not received it. XXXX also requested proof that the amount was deducted from my account and that the bank sent the payment. On XX/XX/XXXX, I uploaded all the necessary photos as proof. XXXX insists that Chase needs to contact them, but Chase refuses to do so. Since XXXX, I have been trying to resolve this issue, spending XXXX hours each week talking to both XXXX and Chase without any resolution. Chase also charged {$1800.00} to my credit card in XXXX, and it still shows as an outstanding balance with XXXX because they have not received the money. This situation is negatively affecting my business and my credibility with my vendor.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 15 USC 1681. 

XXXX LA : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX, XXXX 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OR)

Newly opened account, first payment due XX/XX/2023. I attempted to make the payment, but there was not any money in the account at the time, so it got rejected and I was charged a fee. I made XXXX and XXXX 's payments on time with auto pay. On XX/XX/2023, an auto payment successfully went through, but by accident a manual payment was processed as well. 
I tried to explain the circumstance, but the rep told me the decision has been made.
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (NY)

I have recently submitted identity theft paperwork and requested a block and deletion. I received no response in that regard. The investigation has gone on for more than 60 days now with no resolution.
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Lien Receivables LLC (CA)

Hello, I writing to you today because I have been receiving unwanted phone calls from a dept. collector called Lien Receivables LLC. This company has threatened to garnish my wages if not paid by a certain time frame and take me to small claims court. I have received repeated unwanted phone calls from this company. I have asked them numerous times to send me a letter by mail so I could properly address the situation. The supervisor has said he will not mail letters to me because he does not want to inquire that cost. They have threatened to report this to my employer and garnish my wages and take me to small claims court if this matter is not resolved. They even gave me a dead line to pay. Also they have said they were going to offer a {$200.00} credit if paid by XXXX. They speak in circles and do not properly tell me what they are trying to collect on. They have been confrontational and have threatened me. I do not know who these people are and I am trying to confirm if this company is a legit company, this is why I ask for all communication be sent by mail only so I have a record of it. They speak to me in a dominant rude matter and will not listen to me or answer my questions properly. If this company is a legit company they should mail letters out to the people so there is a record of all communication. There is a lot of scammers out there and we are just trying to be careful. 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I've attempted several times requesting documents that proves this is my debtXXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are same alleged account with different debt buyers. Trying to collect same debt is violation, as well. Under 15 1692g, all documents I've requested they haven't since sent me any verification. Under the reinvestigation, they still could NOT verify this alleged debt. According to the law, 15 usc 1681iA5, if after reinvestigation, still inaccurate the item must be deleted immediately. The reinvestigation must be conducted at a highly manner of finding these inaccurate files. What procedures was done to verify this account? Furnishing inaccurate information knowingly with errors must be deleted. It's been well over 60 days too. It remove this item they can not validate.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-10
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: PLANET HOME LENDING, LLC (TX)

I filled out a full application for a loan modification over a year ago and planet home lending hasnt completed it I resumed the process ( after not hearing back in a year ) because I am buying a second home. I was told by the new mortgage broker that my mortgage statement is showing over 300 days delinquent, because of this, I am in danger of losing over {$6000.00} in earnest money, appraisal, and inspection fees I have recently been trying to get this resolved a second time for well over 30 days and keep getting told the loan modification will be completed one Monday then Friday then Monday then Friday and I have {$6000.00} earnest money that I am going to lose that is tied up on a second home I am purchasing because of their incompetence. Also, I have asked multiple times to have a supervisor call me back, but they never call. Also, I have to explain every single time I call what is going on with my account and I am being told that I owe them money and then I dont owe them money and that I missed payments that I actually paid and are having to send over bank statements, just to prove that I made these payments. I also have been told by customer service representatives that the supervisors are too busy to talk to me or are always in meetings every single time we call.
Consumer complaint received 2023-01-12
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio recovery Associates have repeatedly called and harassed me regarding a debt Ive disputed several times and submitted information that I had identity theft and theyre still sending letters to me and harassing me while Im working calling at all hours of the day and night.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (TX)

On XX/XX/2023, Social Security deposited a check in the amount of {$16000.00} in my XXXX ( XXXX XXXX  XXXX  ) account. The bank that handles this is US Bank in XXXX XXXX, MN. I set up a checking and savings account independently with XXXX  XXXX XXXX  this institution, who, at my direction, initiated a bank-to-bank transfer of {$10000.00} from my XXXXXXXX XXXX XXXX to my newly established XXXX  XXXX checking and savings account. XXXX XXXX was instructed to deposit a certain amount in checking and the balance in savings. On or about XX/XX/2023 this transaction occurred and was executed. XXXX XXXX XXXX card and US Bank reversed the transfer and failed to complete the transfer as directed by me. 

I have called XXXX XXXX XXXX at XXXX and am told that there is no mechanism for me to move my money from their institution to my new bank. When I call US Bank, they have no record of my account with XXXX XXXX  even though I have been receiving statements for the past XXXX  years with their bank name in the heading. I have been told my attempt to transfer these funds are the subject of a fraud investigation. No CSR at this number or their supervisors can assist me in giving me the XXXX money I worked decades for. I have talked to first-level CSRs, their immediate supervisors, and a resolution specialist and none of them appear to have the ability to release my funds. As a result, my new XXXX  XXXX account now has a restriction on it jeopardizing access to deposits of future Social Security payments and any other funds deposited to my new XXXX  XXXX Account. 

There is no publicly posted method to execute any bank-to-bank transfer, the phone number listed on their website at https : XXXX  listed as the phone number of U.S. Bank really was to XXXX XXXX XXXX There is no process to file a complaint about poor or non-existing service on that website, and no method of moving money except to another XXXX XXXX. None of the people you talk to are able to solve this problem I am seeking to have my money removed from XXXX XXXX and put into the account of my choice immediately at XXXX XXXX XXXX. Please let me know what documents you require of me.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-10
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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (FL)

Mortgage went from $ XXXX to $ XXXX overnight without notice. 
We were aware of an {$8000.00} forced placed insurance policy that we were being charged. 

We had previous coverage. 

They charged us {$8000.00} in XXXX and {$8000.00} in XXXX without notice. Then raised our payment to $ XXXX from {$900.00}. 

When we called we were told that the insurance was back dated to when they say we didn't have coverage. So these charges were for the 2 previous years. 

I expect they would appreciate us not being able to pay our mortgage since it's escalation of {$2200.00} a month and we own XXXX  % of the house. The loan is only for XXXX  % of the value. 

Back dating and charging $ XXXX for previous years imo is a scam and mortgage servicing abuse especially when you are not notified of the increase and given a chance to fix them.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (NY)

im receiving a letter about a debt i dont owe and i and the merchant ( XXXX ) suspect identity theft. the amount of the debt is {$1300.00}, the agency is diversified consultants inc, the agent is XXXX XXXX, their address is XXXX XXXX XXXX XXXX, FL XXXX the address that comcast found on file is somewhere in XXXX Florida . I 've never live in XXXX and i dont know anyone that lives there. the comcast account # is XXXX and the agency # is XXXX. XXXX told me to contact the ftc and file an affidavit but there website doesnt have the necessary form. it says that the link may have been moved. they also told me to file a police report. but i want to hear from you first before i proceed with that step.
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I took out a personal loan with USAA bank a fixed interest rate loan however the bank is charging me a daily rate rather than fixed monthly agreed upon. 

Interest rate higher than principle rate. Ask USSA why they indicated I am charged daily rather than monthly for the loan. 

This is unfair lending practices.
Consumer complaint received 2022-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NV)

Midland Credit keeps calling me asking for a XXXX or a XXXX XXXX, neither of these people have ever had my phone number and I have had this mobile since XXXX when my father left XXXX for work, and my mom gave me his phone/and number so we could contact each other while she was at work because I was only XXXX XXXX XXXX at the time. Almost 20 years, I'm almost XXXX XXXX XXXX now, I've had this number. They have been calling me for half a year now, never leave any voice messages, and when I am able to answer, I keep telling them they have the wrong number, these people don't own this phone number and to remove my number from their case file. 

Today XX/XX/XXXX, they have called me twice in less than two hours. I couldn't pick up the first call at XXXX XXXX because I was working, next call at XXXX XXXX, I picked up in the middle of a work call and told them to stop calling me and remove my number. I pay my bills on time or way before they are due, I have never owed collectors ever in my life. They keep calling from different numbers.
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Ive been disputing my account with XXXX, XXXX and Experian for quiet sometimes now and they still have not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

XXXX Account # : XXXX XXXX Account # : XXXX Experian Account # : XXXX I have sent and screenshot of my credit report as long with my credit report and this debt has been canceled you can see it on the comment section. If Im not mistaken canceled means that the debt has been written off to the IRS so I have every right to have this account removed from my credit report.