davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I opened my Chase account at the beginning of the year after switching from XXXX XXXX because they wouldn't allow me to opt out of overdraft protection. In any case, Chase has regularly placed unnecessary holds on check deposits since I opened the account. Sometimes for just a few days, sometimes up to 14 days. In each instance, the checks have been around {$100.00} or less and nobody can explain to me why the hold is being placed. They used to tell me it was because the account was new. Then it was XXXX within this deposit may not be paid because of information we have received from the paying bank or due to information we have within our own files. ' But nobody could explain to me what that meant. The most recent example was from XX/XX/23. I stopped to deposit 2 checks, 1 for {$75.00}, the other for {$95.00}. The {$75.00} went it immediately, the {$95.00} had a 12 day hold placed on it. When I sent a secure message to inquire about why, I was gaslit and told there was no hold even though I received and email saying so and can clearly see the withheld funds on my app. But the worst example of all was when there an error made between my rental company and I. The rental portal would not allow me to process my payment and their system locked me out. Then because rent was late, the eviction process started automatically and the only way to stop it was to pay by certified funds the past due balance plus the next month 's rent. I had to borrow money from a friend who had written me a check for {$1700.00}. I had over {$1800.00} in my account and asked if I could cash the check since I had the funds to cover it. They told me it wasn't an option. Instead, they deposited the check and placed a 9 day hold on it. I told them I would be evicted before it cleared and they gave me a XXXX # to call. From there, I had to engage in a 4 way call between a XXXX representative, my friend, a representative of her bank, and myself. In that phone call, she had to share her account access information, verify she had written me the check, and her representative had to verify the funds were available. After all of that, the check still was held for 8 days, despite it clearing her account the following day. I had to borrow money from another friend, wait for that check to deposit and then pay her back. The whole thing was ridiculous and makes absolutely no sense to me. I have not bounced a check or received a check that was returned unpaid, and even if I had, how would I be at fault being on the receiving end of a bounced check? I searched XXXX and see I am not the only person who gets random holds placed on deposits for no reason through Chase and can't help but wonder how much interest they collect on unnecessary holds like this. As someone living paycheck to paycheck, I can't afford to spend weeks waiting for access to my funds.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (MS)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, MS XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX / XXXX XXXX XXXX {$7700.00} XX/XX/2016
Consumer complaint received 2023-10-04
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. (PA)

In accordance with the fair credit Reporting act XXXX  if XXXX account number XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-09-25
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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
Consumer complaint received 2022-12-09
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. (GA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5800.00} XXXX  XXXX Balance : {$2.00} ; XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In  XXXX   XXXX , we began the short sale process an behalf of our clients,  XXXX  and  XXXX   XXXX . At the end of  XXXX , we were advised that while the  2nd l ien remained with  XXXX , the first lien had been transferred to  SPS fo r servicing. The short sale package was then duplicated  to SPS  on  XXXX   XXXX ,  XXXX . Since then , SPS  has done nothing but drag its feet in the processing of the short sale application, nit-picking documents claiming certain information was missing when it was indeed on the documents and then claiming not to have certain documents which we would then walk them through the package by page # to prove that the document was indeed in their possession. Since then, we have been told that we had a complete package and decisioning would take place within 21 days  (  from  XXXX   XXXX ,  XXXX  ) only to be told on  XXXX   XXXX  they might want a change in the amount to the  2nd l ien. When following up on  XXXX   XXXX , we were then told to significantly reduce the amount to the  2nd  lien whereas we already had approval from that lien holder for the short sale. We then revised and submitted updated HUD to the first and went back to th e 2nd fo r reapproval. We obtained new approval letter from the  2nd and submitted th at, along with the further revised HUD  to SPS. Due to SPS drag ging out the process, I requested that title audit the approval from  the 2nd  and had to make a minor change to the HUD. I have advised SPS that the buyer is getting an xious and that the buyer 's agent is going in for  XXXX  on the  XXXX  of this month and her ability to perform inspections with her client will be very limited. There is no reason for the process to have taken ov er six mont hs time and still not have a decision.
Consumer complaint received 2023-11-25
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (IL)

XXXX XXXX XXXXXXXX Contacted third parties and shared my debt. Attempted to fraudulently letting them believe they owed the debt instead of me. Gave them a link to pay and everything including some document about disclosures. Not sure what the documents were but they are not on the lease or liable whatsoever. They have my info and how to reach me and I had contacted them before. Regardless just like the prior company they constantly violate the law and get away with it.
Consumer complaint received 2023-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WY)

XXXX XXXX XXXX purchased my debt from US Bank. 

On XXXXXXXX  my representative, XXXX, contatced XXXX and negotiated a settlement for {$680.00} to settle the {$1300.00} debit. XXXX did take payments on XXXX, XXXX. XXXX stop taking the payments and then sent the debit to XXXX XXXX where it was renegotiate back to {$1000.00}. That agreement has now been paid again but XXXX will not remove the collection from my credit report.
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$650.00}
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: OneMain Finance Corporation (OH)

I have borrowed several times from onemain financial. The meeting went the same way it always had. This time I went to borrow XXXX to consolidate some credit cards that was fully maxed out. I knew I couldn't get much, I had 1 full time job for XXXX, and another that paid me XXXX and I was only used for on call. XXXX did some figuring and said I could borrow up to XXXXXXXX XXXX that was a tempting number. he said he could make so I wouldn't have a high payment, so I asked for an extra XXXX so all together I took XXXX at XXXX a month I added insurance protection so the final number was XXXX XXXX Unfortunately I had lost my job. after a couple days I called One main and explained to her, and I wanted to know how my insurance would help me with my loan until I was able to find another job. she asked me still had 2 jobs what's the problem, The problem is i was accepted for XXXXXXXX XXXX because he wrote that I HAD 3 FULL TIME JOBS ITS AN XXXX XXXX. I lost my job on XX/XX/2022, my bill was due on the XXXX XXXX XXXX XXXX doesn't work there any more.
Consumer complaint received 2023-11-25
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (LA)

National Credit Adjusters LLC have obtained my personal information from a company without the consent of the consumer ( ME ) in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a copy of the 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records. Company has also violated 29 U.S. Code 1109 - Liability for breach of fiduciary duty.
Consumer complaint received 2023-09-13
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. (SC)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$360000.00}.
Consumer complaint received 2023-11-25
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: Bridgecrest Acceptance Corporation (TX)

I have a charge off due to reckless driver hitting my car and me getting scammed into buying fake insurance which ended up not being real insurance and at that time the car accident happened shortly after that which was this XX/XX/XXXX to be exact I was not at fault, but dont have the money due to being out of work And getting fired because of this now my car is at a charge off and I need some type of help getting this figured out either way boosting my credit score up or getting the remaining balance. Majority knocked off my credit score so I can go about financing a new Vehicle and then other stuff on my account that shouldve been wiped off or removed but it has not
Consumer complaint received 2023-11-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

On XX/XX/XXXX I sent a certified letter to Midland Credit Management. The letter requested validation pursuant to the Fair Debt Collection Practices Act 12 CFR 1006.6c.

The following information was required to be filled out in its entirety as well and failure to provide this information forfeited any and all alleged rights.

1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ Purchased ____Assigned 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants Midland Credit Management the authority to collect this alleged debt.

Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account?

o Yes o No Have any Judgements been obtained by any creditor regarding this account?

o Yes o No Please provide me the Name, Phone Number and address of the bonding agent for Midland Credit Management, in case legal action becomes necessary : Is your business license to collect debts in my state, Virginia? 
Provide your business license Number : Midland Credit Management responded with a letter dated XX/XX/XXXX but did not provided all the requested information. I was only provided one billing statement from the original creditor XXXX XXXX dated XX/XX/XXXX - XX/XX/XXXX, XXXX letter dated XX/XX/XXXX from XXXX  XXXX stating the account had been charged off and sold to Midland Credit Management, and one cover letter from Midland Credit. Therefore insufficient information was provided and there is not enough evidence to prove debt validation. Midland Credit was not able to provide proper debt validation to establish a right to collect this alleged debt.
Consumer complaint received 2022-12-20
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. (NY)

XXXX XXXX is displaying a balance of XXXX XXXX on my credit reports but when i log into the site my balance is XXXX AND WHEN i call on the phone i have no balance. the last update i saw for XXXX XXXX was XX/XX/XXXX and it shows i have a balance of XXXX XXXX on all my reports. This has been this way for months, this unacceptable and false information.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC (OH)

I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX I did not sign any paperwork. 
or have any type of agreement with Debt Recovery Solutions. I have recently been made aware that my identity was used. 
around the same time frame. I have not lived at the address since. 2002. I gave never used my credit or had much knowledge of credit until I recently got a car. I have contacted this company Debt Recovery Solutions.. Only thing they tell me is that information is verified, they would not tell me the means and methods they were able to verify, they also initially tried to not give me contact information of the original creditor. Unless they are able to provide more information or any reported communications, they had with me or sign documents this needs to be remove from my account.to prevent further action to be taken.
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I'm filing this complaint against capital for overcharging me with interest fees and cash advance fees I have came to capital one regarding this issue of overdraft fees that are keeping me behind on my account ending in XXXX I had tried several times to apply for a hardship program I was denied each time in which i don '' t know how as well I reported the charge from XX/XX/XXXXXXXX  of {$140.00} as unauthorized from a card I had lost to capital one no one has gotten back to me and this is the charge they are charging me interest for as well as cash advance fees every time I ask to have some interest charges to be wavied they say they cant do it with no explanation all the money I'm paying to my account is going to interest charges and I can't make the full on time payment because of this issue I'm also have been charged back from another unauthorized charge on my account that I reported from a lost card from XX/XX/XXXX XXXX {$170.00} the claims department claim they need more information I have given them all the information they needed even informing them I do not own a vehicle so the charge is not valid I'm asking for help with this account for a solution.
Consumer complaint received 2023-12-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I was gifted an American Express gift card on XX/XX/2023. I retained the receipt and the gift card was purchased on XX/XX/2023. 

The gift card was loaded with {$200.00}. I have since tried to use the card from XXXX online retailers : XXXX and XXXX. The total of my cart from XXXX was {$100.00} and upon putting the order through I received an error message that said XXXX not honour '. I then tried to use the gift card at XXXX on XX/XX/XXXX for a cart with a total of $ XXXX the order was placed but I never received confirmation until I checked back the morning of XX/XX/XXXX to an error message saying 'Revise payment method ' as the prepaid gift card would not work. 

I additionally tried to add the card to XXXX to perform a transaction. The card added successfully but once I attempted to perform a payment using the card I received another error message regarding the gift card. 

I have also attempted to use the card in person at XXXX. The order total was under {$5.00} and the card still declined. 

When I called AmEx their customer support kept insisting that the authorization charge was the issue but the insinuation that the XXXX retailers, XXXX of which being some of the largest in the world, and XXXX, all use at least a {$200.00} authorization charge is comical. They would offer no other explanation other than the authorization charge and that I might have put in the wrong CVV number before they hung up. After searching the internet this seems to be a common problem recently with AmEx, insufficient products with terrible customer service.
Consumer complaint received 2024-03-15
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. (OH)

To whom it may concern, On XX/XX/2024, I fully reviewed all consumer reports in XXXX, Experian, and XXXX. On this date, there were considerable inaccuracies with the following .... 

Name Addresses payment history inaccuracies Balance reporting on credit cards inaccuracies Misreporting on inquiries Sent out a dispute letters to all consumer reporting agencies on XX/XX/2024 via USPS. On XX/XX/2024, I received electronic communication from Experian stating they have received my dispute but taking precautionary steps so they declined to investigate my claims. I understand there is the ability to dispute online or call in, however, this does not provide the information from the other consumer reporting agencies where their discrepancies lie. Truly need assistance with ensuring my information remains 100 % accurate at all times and expect the consumer reporting agencies follow through on providing proper and thorough investigation to consumer claims.