davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (WY)

On XX/XX/XXXX I received a Chase Freedom Unlimited card in the mail. It was forwarded from my old address since I moved in XX/XX/XXXX which caused a delay in my receiving it. I also received a letter from them dated XX/XX/XXXX stating that I needed to call prior to XX/XX/XXXX to cancel the balance transfer of {$13000.00}. Due to the delay this date was already passed. I immediately called and reported this as a fraudulent account as I hadn't requested this card or the balance transfer. Chase stated they would look into it. I heard nothing from them until XX/XX/XXXX when they sent a letter stating they looked into it and they believe it is my account. I called again and told them it was fraudulent and asked them to look into it again. I also filed an identity theft report with the FTC and a police report at the same time. Chase stated that the balance transfer went to my Bank XXXX XXXX card. I have a Bank XXXX XXXX card, but it is not the same as the one the balance transfer went to. I sent a letter to Chase on XX/XX/XXXX requesting this account be closed and removed from my credit report. I filed a dispute with XXXX on XX/XX/XXXX. I received another letter from Chase on XX/XX/XXXX stating they still believed it was a valid account. I called them again to say it was still a fraudulent account. Their fraud division called me on XX/XX/XXXX and asked for my XXXX XXXX XXXX statements to prove I hadn't received the balance transfer on my card. I emailed my XXXX XXXX XXXX statements to them showing that no balance transfer had gone to my card. The amount transferred was higher than the limit on my card and significantly higher than any amount I have ever owed on that card. I also included a copy of my credit report showing that I do not have any other Bank XXXX XXXX accounts. This should be everything they need to show I didn't start this account or receive the balance transfer that the account was used for. On XX/XX/XXXX I was emailed from XXXX showing that they had removed the Chase account from my credit report because they found it to be a fraudulent account. I also received a letter from Chase stating that they still believe I am responsible for this account despite me sending proof that I am not.
Consumer complaint received 2018-07-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

My husband and I pay bi-monthly payments on our home mortgage. Our loan was transferred to US bank sometime last year. US banks has been applying our payments to the principal amount on the loan and sending us states saying they we are delinquent and charges fees. I called US bank in XXXX and the representative tracked all the payments coming in and saw that we were paying bi-monthly and paying before the due dates ( which should give us a credit ). The representative reversed all fees and sent us a current statement. She did acknowledge that their system was not able to distinguish a partial payment vs. a full so it defaults all payments to the principal balance. I asked if we were in danger of loosing mortgage because we wanted to continue paying bi-monthly as it works best with our family 's budget. She said it should not be a problem and that she would note the account so we would not have the issue going forward. We did have this issue again and I called in to have them make the correction and I was given feedback that their system does not recognize partial payments. I don't understand this because their system still accepts all payments. She said that was their policy but I have NO documentation supporting this ( see statement ) I told them of what happened in the past and reminded them of what the past representative had informed me. I spoke with 3 different people and they all wanted to inform me about policy instead of actually making the correction. I informed one rep point blank that " I the consumer was showing and error in US Banks processing of our payments ''. We had payed half of our XXXX payment on XXXX and they are saying we have not paid XXXX at all. I asked them to make the correction and I was just given a lecture about how to pay my own payment. The feedback that I was getting from US Bank was that they were going to keep charging late fees and keep reporting erroneously to the credit bureaus even though they know that we almost a whole month ahead on our mortgage payments. Please see supporting documents. What ever you can do to help would be appreciated.
Consumer complaint received 2023-11-17
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. (CA)

I'm drafting this because I have contacted the credit bureaus and the creditors and informed them that I've been an identity theft victim and there were fraudulent accounts reported on my credit report. Thus far, Transunion hasn't removed the fraudulent charges from my credit report. I don't have time to contact Transunion every day because when I get them, their representative tells me that they will remove the fraudulent account from my credit report, and then they don't do it. Or they'll let me know we filed for a dispute, and when I call back to check on my argument, they tell me it was never filed. Transunion is the most untrustworthy credit bureau ever. They report fraudulent accounts and fraudulent information to the credit bureau. They break the law by not following proper dispute procedures. In addition, their employees act as lawyers and pretend to know how they can interpret the law, which is vastly illegal because they're not lawyers. I followed the proper procedure and informed them through an identity theft report that I filed with the Federal Trade Commission that states and identifies which accounts are fraudulent and must be removed from the credit report. They continuously disregard my request when I tell them to dispute the fraudulent accounts and remove them from my credit report. Therefore, they deserve the harshest fines and punishment due to committing and being part of the fraud. Again, I'm not saying this to slander Transunion or the banks that opened fraudulent accounts under my name, XXXX XXXX XXXXXXXX, and XXXX XXXX I'm merely stating that fraudulent accounts must be removed from my report.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

on XX/XX/23 I sent a letter to transunion asking them for supporting documents to support their claim that i owed suched debt. I have yet to receive any kind of response.
Consumer complaint received 2018-09-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

Hello Sir, Mam! I will be so much thankful if you can help me to solve this problem with XXXX XXXX. Starting on XX/XX/XXXX ; I started inform them that if there is any changing in copayment for my medication not to send it anymore, but they ignore my messages and on XXXX they sent me a medication with higher copayments, and directly even not opened it I delivered it back to them. So they still asking me to pay the credit of {$120.00}, below you can see my messages to them : 1 ) XX/XX/XXXX Good Morning Please be informed that if there is any changing in co-payment so I dont need it So dont send any medication without my approval Regards XXXX XXXX 2 )  Hello customer service Please be informed that the medication sent to me on XX/XX/XXXX  ( XXXX XXXX XXXX ) was sent back as unopened to the sender in XXXX XXXX in IL I receive it So please cancel the co-payment of a {$120.00} Thank you Respectfully XXXX, XXXX 3 ) Good Day Please be informed that I refused to receive the medication which was sent by your dealer and it was delivered back to them directly so I am not going to pay for a medication that I didn't receive it Appreciate your business Thank you Respectfully XXXX XXXX JXX/XX/XXXX 4 ) Good Day customer service First of all I would like to thank you for your good service, then, concerning the amount of XXXX that I have to pay for none received medication. If you want me to do so send me again the medication XXXX XXXX XXXX. 90 Tab then I am ready to pay that amount PS. Please notice how many times I contacted the customer service asking them not to send the medication if there are any changes in co-payments. But they Ignore my messages and they sent it. Directly I sent it back not opened as I received it So please find a solution to this case Warm regards XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-01-30
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 (CA)

I was given a {$700.00} American Express Gift Card from my company as a holiday gift. The card has not worked ANYWHERE and has been declined in person using my XXXX XXXX  and XXXX XXXX, has been declined on Online merchants such as XXXX. I am at a loss of {$700.00} because AMEX has scammed me into another wasteful gift card. This happened years ago with an AMEX GC and now is happening again. I decided to file a formal complaint this time against American Express for their fraudulent practices.
Consumer complaint received 2018-04-03
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: Riverwalk Financial Corporation (TN)

I originally had an account with XXXX that has been paid in full. I have documentation show that the account has been paid in full. XXXX is also reporting a {$0.00} balance. This company named XXXX XXXX XXXX is somehow reported that I owe them {$54.00}. I have requested this be removed from my credit report. XXXX XXXX XXXX has refused to do so. I have made several attempts to contact the company, but no one has responded to my letters, phone calls, and emails. Please have them remove this inaccurate information from my credit report.
Consumer complaint received 2019-08-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC (TN)

XXXX XXXX XXXX is requesting payment in full on Account Number XXXX, in the amount of {$4600.00} for a XXXX online course. ( Please see the letter dated XX/XX/2019 attached. ) This course was paid for from my FSA loan and therefore there is no outstanding debt owed. This collection is in error. I have contacted XXXX  XXXX, XXXX to fix this, however I have not been successful.
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (NC)

Consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected MY RIGHTS.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2018-09-05
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: Experian Information Solutions Inc. (OR)

A XXXX XXXX account ( # XXXX ) was fraudulently created by someone in my name on XX/XX/XXXX, and an amount of {$1900.00} was charged. The account was closed by XXXX after going to collections, and was discovered by me when running my Experian credit report on-line on XX/XX/XXXX. Additionally, my XXXX band debit card was hacked on XX/XX/XXXX and charges were attempted on it from XX/XX/XXXX through XX/XX/XXXX, totaling {$420.00}. The charges were reversed to my account by XXXX XXXX after we discovered the fraudulent attempts. 

Since then, I filed a police report with my local police department, and XXXX has sent me a confirmation e-mail absolving me of any responsibility of the fraudulently created account or financial responsibility ( See attached documents XXXX. 

Despite providing Experian with all of this documentation proving my innocence and being a victim of identity fraud, they have refused to remove the XXXX account from my credit report. I have attempted two disputes with them, but they still refuse to remove the fraudulent XXXX account.
Consumer complaint received 2018-09-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS RELIABLE LENDING LLC (TX)

The closing was delayed twice. The builder threatened to sell the home to another buyer if the lender didn't close soon. The builder has refused to ever work with the lender again. I called, emailed, text messaged the lender many times and rarely had my correspondence returned. I felt that I was kept in the dark throughout most of the process. I did not know what type of loan they were qualifying me for or what I needed to have for closing costs until the day XXXX signed the closing paperwork. It should have been a happy time closing on our first home, however it was stressful and we signed the paperwork under extreme duress. We were moving from out of state and needed a place to stay. We also did not want to risk the builder selling the home to someone else. I had other lenders tell me that they would qualify me for a conventional loan, and this lender did as well. On the day that I signed the paperwork, I found out that it was an FHA loan.
Consumer complaint received 2018-09-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

I am looking for help with our housing situation. Ive been a customer of Ocwen Financial Corporation for over 10 years, in those years Ive applied for mortgage modification and have been denied many times. I have an adjustable rate mortgage that is currently 6.5 %. Since XXXX, I have been upside down in my home value. I didnt walk away, Ive held on and I have tried to do the right thing. My mortgage has doubled and continues to increase. I cant get Ocwen to do the right thing and modify my loan to a standard home loan. In XXXX Ocwen accepted approx {$50000.00} from the Hardest Hit Fund and they continue to want more. I am now at risk of foreclosure as my mortgage  continues to increase. 

In XXXX, we went from a dual to single house home income after my wife became sick. Ive used my savings and now tapped into my 401k. I can no longer risk and spend my retirement to save a home from a company that doesnt make an attempt to make things right. 

I can send more information including the total income they have received from me in over 10+ years. I look forward to hearing from you and can get into more detail. 

Thank you for taking our case.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023 I submitted a complaint to the Consumer Financial Protection Bureau case # XXXX detailing how XXXX XXXX XXXX XXXX XXXX XXXX XXXX my XXXX XXXX credit limit from {$14000.00} to {$2800.00} a day after I made a {$10000.00} payment. After contacting XXXX numerous times and being told there was nothing I could do about it, I closed my account and stopped payment of the {$10000.00} payment I made the day before. I stated to CFPB as well as to XXXX that I had never been late with my account and it was customary for me to make several large payments every month as I used that credit card heavily because of its rewards feature and that it was a poor business practice to cut someone's credit limit 80 % without any form of contact to the customer. They never called, texted, or emailed me informing me of the reason for their actions. After complaining to a high-level supervisor at XXXX they finally mailed me a letter saying my credit score had gone down. I have NO LATES with any of my current or past credit cards ( currently I still have almost {$120000.00} in credit limits with my current credit cards ) but it's their credit card and they can do what they want so I accepted their decision. My problem with XXXX currently is that their idea of " fixing '' my issue is to show a closed account with a credit limit of {$12000.00} instead of {$2800.00}. The problem I have with that is that it still shows me with a history of being over the limit and subsequently lowers my credit score. In addition, XXXX showed me 30 days late in XX/XX/2023 when their app showed me a minimum payment due of almost {$10000.00} due to the credit limit being lowered. When I spoke to the person at corporate, he said he would get both the credit limit on the closed card and the late payment resolved and he would get back to me in a few weeks with the resolution. Fast forward XXXX MONTHS and still nothing has been resolved. XXXX 's actions have severely impacted my credit score as well as my reputation as a reliable and responsible credit credit-worthy individual.
Consumer complaint received 2024-01-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eaton Group Attorneys LLC (LA)

XX/XX/XXXX I requested Validation of XXXX  that included if they were bonded to collect debt from me I didn't get proper validation. Then on XX/XX/XXXX I requested that the company send me the original purchase agreement showing that they were legally able to collect debt from me. I didn't get a response
Consumer complaint received 2023-06-05
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$6500.00}
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX I went to XXXX XXXX store to use the Wells Fargo ATM inside I first went in to deposit {$240.00} then I went back home because I had forgotten {$800.00} that I needed to also deposit. I came back to the XXXX XXXX store to deposit the {$800.00} but when I deposited it only credited me {$600.00} so I called Wells Fargo immediately and let them know what had a accured.. on XXXX XXXX  I was credited the {$200.00} so I was like ok thinking that when they opened the ATM machine those {$200.00} were going to me there.. On XX/XX/year>XXXX  I got a letter stating that they opened up the ATM and they didn't find those {$200.00} so that they were going to take those {$200.00} back. I was upset because I have no reason to lie about the deposit I made I've been with Wells Fargo for 2 or 3 years and haven't had a problem I'm usually always going to that ATM to withdrawal or deposit and haven't had a problem until now.. I told the Wells Fargo associated that the money could of been easily spit out to another customer and the machine will not record that and no one was going to call them if a customer indeed received extra money from the ATM.. I'm a single mom of XXXX currently receiving benefits and I really need my money back.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NJ)

I have a XXXX  account with Gemini LLC. Gemini believed I had a security issue and I proved them wrong. They kept having me send document after document. They turned off my account and would not let me trade for a month. Then instead of resolving the issue, they made me sell {$12000.00} in XXXX, which cost me fees. They would not reinstate my account and actually forced me to sell. And they would not tell me why they did this. Told me they won't say why. I have lost money not being able to trade and now have to set up an account with another company.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (TN)

It has been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regardless to a late payment. They have not supplied this information and they must delete the aleged late payments o my credit report. Under federal law they have thirty days to complete the investigation And by failing to do so my rights have been violated.
Consumer complaint received 2024-02-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ARC Management Group, LLC (TX)

I was informed of some XXXXl debt that was supposedly done for me but the information was incorrect on that bill and my insurance care coordinator had been trying to get that fixed with the XXXX. The debt was sent to collections and when I spoke with the collections XXXX, he stated that he didn't need to speak with me and that their information was correct and that I needed to pay what they said or else. I tried to let the person know that my insurance stated for me to call them and he didn't want to hear it and threatened again that this debt wasn't going to be going away and he would put it against my credit.