davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2023-09-25
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. (PA)

I HAVE SENT NUMEROUS LETTERS TO ALL OF THESE CREDIT BUREAUS SINCE XXXX TOLD THESE PEOPLE THESE ACCOUNTS WERENT MINES NUMEROUS TIMES AND YET THE ACCOUONTS STILL REMAIN ON MY REPORTS I HAVE BEEN A VICTIM OF IDENTITY THEFT SINCE XXXX AND I RECEIVE AN IP NUMBER YEARLY TO FILE MY TAXES AS PROOF. MOST OF THESE ACCOUNTS ARE REPAT OFFENDERS OPENING CARDS WITH THE SAME COMAPNIES THEY HAVE SCAMMED BEFORE.
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

My father passed away last year and due to such passing I was maliciously persecuted for crimes of no existence, incarcerated for defending myself, held under false standards of failure to appear, excessively charged for a crime of no existence, subjected to compleat disregarded and constriction of civil rights, chattel slavery, subjected to deadly diseases, stripped of all equity, stripped of identity, and denied access to bank account, property, finance, individuality, force to be subjected to more mistreatment, and forced to work for such illicit people for means of more social scrutiny, malicious persecutions, brutality, excessive force, XXXX abuse, and attempts on life of myself/family/Service Animal by some unknown group of religious fanatics, political extremists, and racially fueled hate groups for means of corporate XXXX and human enslavement by Chase Bank, XXXX XXXX XXXX false payees , impersonation of family members, stolen identity of family members, online banking ( XXXXXXXX XXXX XXXX XXXX XXXX and value off bonds.
Consumer complaint received 2024-01-20
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: RoundPoint Mortgage Servicing LLC (AZ)

Roundpoint assumed mortgage from XXXX effective XXXX. We immediately made our payment through our XXXX bill pay. XXXX sent the payment to the XXXX headquarters, in XXXX, N.C. We heard nothing until a month had passed. Then the payment was returned because the address was incorrect. Payments were to be sent to XXXX 's XXXX office. We immediately sent the payment to XXXX, and also sent the XXXX payment to XXXX. 
We have continued to make our payment, on time, but XXXX continues to deny receipt of the XXXX payment. We have spent countless hour in phone calls, sent emails and a letter to the XXXX. All with no result, after XXXX  months.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARCO Group, Inc. (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (FL)

This has been going on for over 3 months. My home was demolished for reconstruction. 
My insurance dropped because there is no home. My mortgage customer service says to contact insurance, and insurance says to contact customer service. Their insurance department first asked for demolition papers and permits. A month later, XXXX XXXX XXXX. I have provided all of these documents to their insurance department and it still has not been corrected. Now, they are trying to make me pay for their private insurance. I would like them to update the documents and status and reimburse the money they took out of escrow. Before I pay for the incorrect amount due in XXXX PPH Mortgage and XXXX XXXX
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (ID)

On XX/XX/XXXX My phone was phished by calling Chime Bank to discuss why my bank transfer from XXXX XXXX XXXX had not been processed yet, during that call the member on the other line indicated that they were looking into it but we got disconnected when I was placed on hold.The account was in my husband XXXX XXXX name and number they sent him a text message see attached to tell him to call them back, which I only saw at a later time. After that point, I noticed my XXXX XXXX had bitcoins purchased and sold, and several transactions were processed see attached photos. Transactions started at XXXX XXXX with them trying to add {$750.00} to my XXXX XXXX account it was declined and failed, at that point they then added XXXX to the account which they then purchased XXXX in Bitcoin I had a money balance on my XXXX XXXX account that they also used. From there they attempted to add XXXX and were declined/failed @ XXXX XXXX, they then attempted to add XXXX and it was declined/failed. then XXXX was again decline/failed again attempting to add XXXX failed, at this point at XXXX they added a debit card that was saved to my phone that was attached to my sons XXXX XXXX XXXX account and moved XXXX to my XXXX XXXXXXXX Checking account where they then were able to add XXXX dollars to XXXX XXXX @ XXXX at that time they sold the bitcoin on XXXX XXXX for XXXX. There was another attempt to add XXXX to XXXX XXXX which was declined and marked as fraud by XXXX XXXX @ XXXX XXXX after that they cashed out XXXX to my chime account see attached photos. at XXXX XXXX they made another attempt to add money to XXXX XXXX for XXXX which failed. At this point the money was all gone from mine and my son 's XXXX XXXX accounts and XXXX XXXX and was all moved to my chime account see attached photos. Meanwhile they were doing the same thing in Chime they moved all monies from our Credit builder account into the checking account and sent XXXX to a XXXX XXXX @ XXXX XXXX. At XXXX they moved the XXXX from XXXX XXXX to Chime, at XXXX XXXX they sent XXXX to XXXX XXXXXXXX then again @ XXXX XXXX they send XXXX to same person leaving {$5.00} left in my chime bank account. At which point I saw all the transactions and immediately started online fraud cases with chimeXXXX XXXX and XXXX XXXX. I called all 3 as well to inform them of what was going on so that they could freeze my accounts. 
XXXX XXXX has opened 2 cases not and indicated that because it was done from my phone that it was done with my knowledge, which it was not, that they are declining my requests for fraud and will not seek further approval for repayment. 
I am still currently waiting on the cases from XXXX XXXXXXXX and Chime Bank. 
Thank you for your assistance with this matter and all that you can do to help me with helping me to obtain a solution in my case
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX  days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15.

If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 
the account is XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AZ)

I have an XXXX credit score pay all my cards off every month and only debt I have is my mortgage and a small car payment. I was surprised when Synchrony Bank the issuer of my Care Credit Mastercard reduced my credit limit overnight from {$10000.00}. to {$1000.00}. I called and spoke with an agent who told me the reduction was done as " punishment '' for not using the CC card since XXXX 2021. I explained that my XXXX  visits had been good and our dogs had been heathy ( card is restricted to medical/dental/vet charges ) I asked for the explanation he had just told me to be provided to me in writing and the agent said he would email it to me. But after a brief pause on hold though, he transferred me to another agent who said the previous agent had " misspoke '' and that the credit limit reduction was actually due to " adverse info in my credit report ''. I then asked why my other two cards with Synchrony were unaffected if that was the case? I pointed out that my Lowe 's card had a $ XXXX credit limit. But the agent couldn't answer that question nor shed any ight why the two things could not be reconciled against each other. The agent said I would be mailed the credit limit reduction explanation letter. The letter never came and despite multiple assurances from Synchrony that they would provide me ( re-send ) with an explanation letter -- the explanation letter never comes.
Consumer complaint received 2024-01-19
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: U.S. BANCORP (WI)

On XXXX XXXX XXXX  US Bank has made an " Individual Inquiry '' into my personal XXXX credit file after I have used " Check your rate '' tool on their personal loan page XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, when I have realized that instead of " soft inquiry '' US Bank did " Hard inquiry '' I have reached out to the Personal Loan department over the phone around XXXX XXXX. Associate I have spoke with failed to provide me the reason for the inquiry and instead suggested that I should " just dispute the inquiry with the credit bureaus ''. After verifying that there are no existing applications within their system she transferred me to their " Consumer Credit Dispute '' department from where I have been transferred once more with no luck to resolve my issue. 

Meanwhile, my credit score as per XXXX XXXX and XXXX XXXX XXXX tools has decreased by XXXX due to this inquiry. 

XXXX XXXX search shows that there are many people in the same position and complete failure on behalf of the US Bank to : A ) fix the issue in their system to stop this from happening ; B ) take necessary steps to address existing concerns.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

Any over draft fees applied to my checking account in the month of XXXX. 

Its seems to me as though this bank places pending transactions at a vulnerable time to process causing my account to fall negative. In turn charging me a {$36.00} fee every time. The alerts that are sent to me are made at XXXX in the morning. And I feel this is highly unethical to me be charged this many times..
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/XXXX, I deposited a live check, my paycheck, through Mobile Deposit. The next day, I realized that the funds did not post to my account. I called Chase Bank to remove the hold placed on my paycheck, and was told the payment processor was closed that day, and that Chase would not be able to release the funds. I was advised to call back the next week. 

I called Chase Bank again on the XXXX, and was told the same thing. I reached out to my HR team to escalate the issue. Today, I was provided a number to the payment processors treasury team ( XXXX XXXX XXXX ). 
I called Chase Bank three times today, XX/XX/XXXX. I provided Chase Bank the direct number to the treasury team whom could verify the validity of the check, but was told that it was not a verified number to call. When asked to explain the verification process ( ie, how is a phone number verified ), the agent declined to explain, saying that withholding this information was policy. 

Because of the hold placed on my paycheck, it is causing my account to overdraft, and is incurring overdraft fees as a result. The payment processor has confirmed with my HR team that the check has cleared, meaning Chase Bank has my money. Even though Chase Bank has the funds of my paycheck ( ie my present balance is positive ), they are STILL charging me overdraft fees. This behavior is predatory. Why am I being charged overdraft fees, when my present balance is positive? Chase Bank is incentivized to claim any provided number is not verified in order to continue to rack up overdraft fee revenue while the deposit is placed on hold. Ive worked in the banking industry for years ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and this is the first time Ive been a victim of such predatory practices.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my right federally protected rights to privacy and confidentiality under U.S.C 1681. 
XXXX XXXX acct : # XXXX and XXXX  acct : # XXXX and XXXX acct XXXX # XXXX. 

15 U.S.C 1681 Section 602 A States i have 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.
Consumer complaint received 2024-04-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NY)

I received text messages from an unknow number giving me instructions to follow a link regarding a debt. As this was not a known number, I did not respond. I received a letter stating I owed XXXX XXXX back charges and equipment fees for failure to return said equipment in XX/XX/XXXX. I contacted Sunrise Credit Services by telephone in XX/XX/XXXX to verify same as the equipment was returned by my ex-husband and the bill was also paid by. In XXXX, I emailed a copy of the receipt from XXXX showing the equipment was promptly returned on XX/XX/XXXX. I called again to acknowledge receipt of same and request a revised bill showing only the back charges. The receipt of returned equipment was acknowledged and I was told a letter would be mailed to me. It was never mailed. I called again on XX/XX/XXXX to verify the charges were paid in full and equipment charges were reversed as the equipment was returned in XX/XX/XXXX. I was told the equipment charges were still pending & I should call in a week. I called again today XX/XX/XXXX and I was told equipment charges are still pending. I requested to speak with a XXXX and was told I needed to write a letter disputing the charges. I sent that letter on today 's date. My gripe is they unlawfully sent a text without my consent and failed to inform me of the debt until XX/XX/XXXX & refuse to verify all debt has been XXXX.
Consumer complaint received 2023-04-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dobberstein Law Firm, LLC (WI)

Dobberdtein Law Firm won a judgement and there was a garnishment stipulation put in place. My debt has been paid in full and I had the proof that indicates that I in fact am due a refund for overpayment of {$62.00}. I presented them which payment check stubs that show the amounts paid per said stipulation and I sent the original document indicating what I owed. Its simple mathematics subtract whats owed from what was paid. Dobberstein is still saying that I have a balance owed, but has not showed any documentation to confirm their position. Neither have they provided any proof to dispute my position. It took me 2 emails and almost 2 weeks later to even get a response and the response is vague and not believable. I feel that they are unjustly targeting and bullying me as per I am a minority and a older woman.
Consumer complaint received 2023-04-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Brent D. Stamps, Attorney at Law (GA)

The Law Office of Brent D Stamps called to settle a debt that I am currently disputing. Mr XXXX  filed a legal action stating we owe a debt to XXXX XXXXXXXX Mr XXXX  was tiring to settle the debt when I expressed my concerns that the billing codes we wrong, the hospital did not follow covid protocol and incorrectly billed the provider. After I provided my supporting documentation, Mr XXXX threaten me with moving the case he filed in the XXXX XXXX XXXX XXXX to state court knowing I would incur additional fees and need an attorney to proceed if I didnt settle. When I refused, Me XXXX  ended the call
Consumer complaint received 2017-05-17
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. (TX)

XXXX ,  XXXX   XXXX   XXXX  Credit Card. I have tried repeatedly through the credit bureau and the  XXXX ,  XXXX   XXXX   XXXX   XXXX  to get them to correct ALL of my credit bureau 's. When contacted the Credit Bureau 's they are NOT correcting their error. On all bureau 's they are reporting my account as a charge off in status and not reflecting monthly payments and new balance. This account did go to collections, but I receive a statement every month and am making my payments every month and reducing my balance every month. They are charging interest every month, like a credit account. Therefore, it is not a charge off if I am making payments, receiving a statement from the company and reducing my balance. Also, they are reporting the false information to my spouses bureau as well.
Consumer complaint received 2023-09-15
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. (NJ)

i do not recognize this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2024-01-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Volvo Car Financial Services U.S., LLC (MD)

A {$4500.00} security deposit was paid in XX/XX/XXXX, at lease inception, and also paid an insurance premium for excess wear to the vehicle. 

Turned in a leased XXXX XXXX XXXX on XX/XX/XXXX to XXXX of XXXX XXXX, Maryland. 

Received notice of security deposit being returned in XXXX, showing a charge for excess wear. 

Telephoned Volvo Financial Services ( VFS ) ( XXXX ) to inquire. Was told that VFS was not properly advised by returning dealership of excess wear insurance purchase. Policy was found and VFS submitted claim against excess wear insurer. 

Received notice of full security deposit being returned in early XXXX. Telephoned VFS in XXXX to inquire on timing and told that a check would be mailed " next week ''. 

Received no check, so called VFS again in early XXXX, and was told again that the check would be mailed " next week '' Received no check, so called VFS again today, XX/XX/XXXX. Customer service associate took time to review ( about 15 minutes ) and said that the check would be mailed " next week '' I have little faith that the process is working as intended and that my {$4500.00} security deposit is stuck in their processing system.