davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (GA)

Every time the phone number calls me and I answer, they immediately hang up. They never say anything. When I try and call back, I immediately get placed on hold. Sometimes I'll wait for a minute to try and obtain information as to who is contacting me. However, I become frustrated being on hold and hang up without ever speaking to anyone. Also, when I don't answer the call, and it goes to my voicemail, they never leave a message. Just today alone, XX/XX/2018, they have called my number four ( 4 ) times beginning at XXXX XXXX with the most recent one at XXXX XXXX. That is four ( 4 ) phone calls within six ( 6 ) hours! Yesterday, XX/XX/2018 I received five ( 5 ) phone calls from them beginning at XXXX XXXX with the last one at XXXX XXXX This is an EVERYDAY occurrence. The one and only time I actually spoke to someone, they were rude to me and refused to state the purpose of their call. At that point, I asked them to never contact me again. It's out of control how many times they call me even after I have requested they not. What makes matters worse, is I can't even get any information out of them to further pursue the issue at hand! It's beyond harassment at this point.
Consumer complaint received 2023-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (IL)

Electronic bill pay sent to XXXX XXXX XXXX  XXXX LoanCare LLC XX/XX/23 XXXX athe amount of {$2700.00} never posted to mortgage account. {$2700.00} is missing and loan servicing company, " LoanCare '' continues to string me along with requets for documentation I nor my bank, XXXX XXXX  XXXX, have been able to work with : LoanCare '' to find the lost funds and send back to checking acct. 

I even went so far as to set up a conference phone call with a manger from XXXX XXXX  and LoanCare. The manager at XXXX XXXX  could not even understand what LoanCare needed to find my funds and return to my checking acct. 

LoanCare recently purchased my mortage from another lender. This was the first payment made to this company. They have done nothing to assist. They continue to throw out roadblocks that I try to jump over to get my {$2700.00} back. No luck to this point. 

Meanwhile, i'm losing interest on the lost {$2700.00} every day. I have a XXXX savings acct where I hold funds until needed to pay bills. Interest rate is 5 %. 

A XXXX  search proves many more folks having similar problems. This mortgage servicing company is not customer friendly and has problems with lost payments. 

As I write this complaint, I have {$2700.00} sitting in limbo somewhere within LoanCare 's coffers not applied to my account. 

Please help. XXXX has been fine and has tried to work with LoanCare. LoanCare does not seem to want to work this problem out. Continue to ask for documentation I or XXXX XXXX  can not provide. 

Please Help! {$2700.00} is a lot of money just sitting lost somewhere with no one behind me to help find the funds and push back into my checking acct.
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX Account closed XX/XX/2012 Account status Open. By the statue of limitations I'm not responsible for the debt and it should be removed from my report. 

Written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 9-3-24 ). Last payment date supplied by XXXX XXXX XX/XX/2012. 

Transunion, I am aware that some of the accounts listed on my credit report have been sold to a 3rd party. These are NOT the original creditors and I am NOT under any contract obligation to this companies and or agencies. Please remove this account from my credit report immediately. They are listed below : 1. Debt Collector - XXXX   XXXX Original Lender- XXXX XXXX XXXX Balance XXXX {$560.00} 2. XXXX XXXX Balance - {$830.00}
Consumer complaint received 2024-04-05
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. (VA)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
( XXXX XXXX XXXXXXXX FOR {$330.00} OPENED XX/XX/XXXX ) ( XXXX FOR {$1300.00} OPENED XX/XX/XXXX, ) ( XXXX XXXX XXXX FOR {$7800.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX  FOR {$470.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$220.00} OPENED XX/XX/XXXX, ) ( XXXX XXXX FOR {$200.00} OPENED XX/XX/XXXX, ) ( XXXX XXXXXXXX XXXX FOR {$790.00} OPENED XX/XX/XXXX )
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My understanding is that FCRA 605B necessitates the removal of any incorrect entries from my credit report. Could you please examine the documents? A few of the listed accounts are inaccurately reported in terms of amounts and dates.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

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.

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 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc. (TX)

Conn Home Appliances repeatedly keep putting this debt on my Credit Report, and it was discharged through XXXX XXXX XXXX The credit Bureaus have information regarding this and will take it off and put it back on because Conn Home Appliances keep reporting this! The debt is over 7 years old and yet Conns goes from one credit Bureau to the next and keep putting it on my credit report. I have disputed this at least XXXX XXXX. My XXXX have been discharged and they were paid in XXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2023-11-13
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. (TX)

I am writing to express my deep concern and frustration regarding the ongoing issue with my credit report. Despite my numerous attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. 

I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. 

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. 
Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. 
Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. 
Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. 

I request an immediate and thorough investigation into this matter. I urge you to take corrective action by removing the inaccuracies from my credit report and ensuring that my credit history is accurately represented. 

Furthermore, I kindly request written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which mandate a response within 30 days of a dispute. 

Failure to address this matter within the stipulated time frame may compel me to pursue legal remedies available to me under the FCRA and other applicable laws. I am asking for your immediate assistance to correct the late open accoount in my credit file : XXXX XXXX XXXX XXXX Balance : {$5900.00}.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-10-15
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. (OH)

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2023-08-10
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. (LA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-08
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: National Credit Adjusters, LLC (SC)

This has already been disputed with Cash Central claiming no fault but would delete it from ALL 3 Credit Bureaus., NOT just ONE. XXXX and XXXX still show, but XXXX says closed but it's still affecting my credit.
Consumer complaint received 2023-10-16
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FB FINANCIAL CORPORATION (WA)

I changed insurance companies and was told Firstbank would be notified of the change. I received a letter stating that if I didn't upload the declaration page of my new insurance I would be charged for insurance they would purchase. I immediately uploaded the declaration page. I called a few days later and the representative told me it was received and assured me it was resolved. 
I got another letter the following month stating the same thing. I uploaded the information again and this time I got a text XX/XX/29 ) that it was received and was being processed. 
I then got a letter stating that since I had not responded they purchased insurance on my behalf. I called and the representative assured me that they have the current insurance information and declaration page, and he didn't know why this was happening. He said they had charged me for the monthly premium on the second policy and would refund it. 
Then I got a letter stating that the escrow account they had opened was not sufficient to pay for the 2 insurance policies they had purchased for me and my monthly mortgage payment was going to go up almost {$300.00}.
Consumer complaint received 2024-04-05
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. (PA)

My understanding is that FCRA 605B necessitates the removal of any incorrect entries from my credit report. Could you please examine the documents? A few of the listed accounts are inaccurately reported in terms of amounts and dates.
Consumer complaint received 2023-10-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I have contacted Credit Acceptance Service many times concerning these inaccuracies on my credit report, they have refused to remove them an they are still listing the car with open late payment with is a violation of my rights, I have disputed the inaccuracies many times and creditor keeps sending it back to the bureaus as verified, I personally them to pick up the car due to I had health issues, this company has violated 15 U.S Code S 1681s- 2 and 15 U.S Code 1681 and 15 U.S Code S 1681a
Consumer complaint received 2023-10-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo Bank refuses to accept responsibility for the unauthorized fraudulent transactions and charges illegal unauthorized fraudulent transactions and charges from XXXX. Wells Fargo Bank XXXX XXXX says that she would get all charges and fraudulent transactions illegal unauthorized fraudulent transactions and charges and provide me a reason for why the transactions were allowed without alerting me or flagging the accounts. She after 70 days has not accepted responsibility for the unauthorized fraudulent charges and fraudulent transactions and illegal unauthorized transactions and has not accepted responsibility or give me a refund or reason for the unauthorized fraudulent transactions and XXXX XXXX XXXX  and XXXX immediately accepted responsibility. DC police report XXXX was supplied to Wells Fargo Bank.
Consumer complaint received 2023-11-13
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. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (WA)

In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Also under USC 15 section 1666B states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 Bank Of America restricted my account and froze it due to the possibility of fraud. It asked me to review recent transactions and call them immediately. Nothing seemed out of the ordinary. I have tried calling every day ; it is now XX/XX/2020. Every time I call I wait over an hour for no answer. They do not have any other way of contacting them. There is no email ; and their online robot does not help and is not equip to address this type of issue. My account has now been frozen for four days and I can not access or receive any of my money. This is not fair. Their only means of communication is phone and they will not answer. There is no call back number. If you check Bank of America XXXX page everyone is having this issue where they are not answering their phones or customers.
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to do an investigation against Portfolio Recovery Associates LLC, This company is harassing me these last three months. I am writing to do an investigation against Portfolio Recovery Associates LLC, This company is harassing me these last three months, I have been called more than 7 times to collect a XXXX  XXXX XXXX account # XXXX, that account does not appear in my register, my XXXX  XXXX XXXX accounts are from XX/XX/XXXXand all were paid by Insurance against economic losses and unemployment " Credit Protection Plus and Credit Protection Deluxe ''. XXXX  XXXX XXXX did not act in good faith. XXXX XXXX XXXX Account was paid for the insurance I had inside my card in case of unemployment or loss of income. The insurance paid the total money. The XXXX  XXXX XXXX sold it without telling me anything and, in case they have sold it to another company without information of the sale, this debt is illegal, if not, without having a legal document, there is no legal or original contract between them and me. They tried all phone calls of possible illegal methods at all hours and on weekends. I am requesting " validation '' ; That is a competent test that bears my signature, which shows that I have a contractual obligation to pay " Original documents and my signature. '' Federal Trade Commission ( FTC ), Fair Debt Collection Practices Act ( FDCPA ), 807, 15 U.S.C. 1692-1692p-1962e.  And this case was attended by you but with another company. The reference is " CFPB # XXXX '', they are my accounts with the XXXX XXXX XXXX. And this case was won in federal court # XXXX, the United States District Court for the XXXX District of California, and in the XXXX XXXX v. XXXX. XXXX XXXX XXXX XXXX Case No : XXXX, for the same reason against XXXX XXXX XXXX XXXX. For all these violations of the law and the continuous harassment of my person I am requesting the maximum of the monetary demand allowed in these cases, Portfolio Recovery Associates LLC, continues to violate all regulations and laws in a blatant manner without respect to anyone, I ask that Exercise the law in your total Power, by all points. 1. ) Defamation 2. ) Negligent authorization of identity fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including, among others, Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( which includes but is not limited to Section 623-b ) 5. ) Violated the Telephone Consumer Protection Act Litigation ( " TCPA '' ).

Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ph. # XXXX
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (IL)

In accordance with the fair credit Reporting act XXXX Account # 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 purpose.

XXXXXXXX