davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (PA)

Hello I went to chase bank on XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX on XX/XX/2023 to do wire but they said it is cheaper to do it with your phone so they showed me how to do it and I did a wire transfer through my phone for {$880.00}. I got receipt number XXXX. It said date funds available XXXX XX/XX/2023. I waited then the person I sent the money to still didnt get it yet. Then I went to bank they said we cant help you you did it in your phone. I have receipt transaction number proof of payment and everything. Manager told me cant help me I have to message them on messaging center. I did that then they ask for my receipient information I submitted that. They told me to wait another 2-3 days while all this is going to on every two to three days the weekend comes so technically I was losing 5 days to waiting for my payment to get to my receipient. Still didnt get it contact chase executive office spoke to wire transfer specialist he gave me this case number XXXX he told me we will send them communication they have the funds now wait for their response another two to three days. I wait another week then I call and he goes they didnt respond so Im gon na go my higher ups and get them involved. Another two three days. Then again I called today XX/XX/2023 49 days later he goes no response for that bank. So that was my hard earned money saved. And chase bank cant help me. I need help please help me resolve my issue I will highly appreciate that. 

If you need any receipts Proof of payment I can email you Thankyou
Consumer complaint received 2023-07-11
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXXXXXX
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I received a check to cover damage to my house from XXXX Insurance ... the check was made out to Me and note holder Nationstar. They refuse to endorse the check so I can receive the funds. I sent a letter, certified mail to their attorney in Texas ... they received it and they still have not endorsed the check.
Consumer complaint received 2024-04-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion Im sending this second letter in response to your updated letter which stated that you have verified the account. In your letter, you also told me to contact the furnisher about this account. I did that. I sent them a debt validation letter asking them to prove to me that this debt is in fact mine. They never, and I mean never, responded to me. 

From my understanding of the Fair Credit Reporting Act, and please tell me if Im wrong, if an item is unverifiable, it must be deleted, right? Well the collector never responded to my validation request and as a result, the item is unverifiable. Im asking your company to do the right thing and follow the law as its clear, and delete the follow account below : XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office. 

( 2 ). File a complaint with the Consumer Financial Protection Bureau. 

( 3 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the account.
Consumer complaint received 2023-04-21
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: Resurgent Capital Services L.P. (NJ)

In accordance with the Fair Credit Reporting ACT Resurgent Acct # 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 an account without my written instructions.

15 U.S.C 1666B : 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 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-09
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. (ND)

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ) # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 602 a. right to privacy
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (UT)

After being a loyal member for over five years, it is disappointing to be treated in such a manner by Navy Federal CU. Today, I discovered that Navy Federal CU had arbitrarily closed my bill pay without any prior notification. This has not only inconvenienced and hurt me, but it has also made it difficult for me to maintain my household effectively. When you take away my ability to access my accounts, which contain essential information such as my reoccurring payments and company contacts, you have caused me harm. Therefore, I will be closing my account with Navy Federal CU after having made over {$500000.00} in deposits. I also feel obliged to inform my family members and friends of this negative experience, and I will be taking my concerns beyond this setting to express my dissatisfaction with Navy Federal CU. I will send a message to my congressman and others in positions of authority. Therefore, I expect a prompt response from you and immediate action to rectify this situation. Your organization has lost the trust of a valued member, and I will not recommend Navy Federal CU to anyone in the future. As a member of the institution, I believe that it is unacceptable to treat your members thus.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This is the 3rd time I have disputed a serious error with XXXX XXXX # XXXX over a lease agreement that was satisfied and completed before the said date yet was WRITTEN OFF AND STILL reporting as late payments over a year later even though the account was PAID IN FULL and CLOSED it is not accurate. I have spoken to a financial manager and requested several times for the account to be updated properly with no response. I have no other resolution but to exercise my right to a lawsuit, I am looking to avoid this action if it can be fixed today as soon as this is complaint has reached the credit bureaus. I still have issues with a fraudulent account showing from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
i HAVE FILE A REPORT AND AM WAITING FOR A UPDATE!
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

This credit bureau continues reporting missed payments against me on an account under XXXX XXXX XXXX XXXX. I have attached a copy of the late payment forgiveness letter I received from the credit union. The credit bureau needs to update everything to 'Paid as Agreed '. I have never missed a payment on my credit reports ever.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

I got a credit card with Opportun BankCard Center in XXXX. I had difficulty with making payments therefore I consolidated my debts with XXXX  XXXX XXXX XXXX XXXX. Opportun reported I was 30 days late each month I was working with XXXX XXXX XXXX XXXX although they accepted the minimum payment from them. I got a recent invoice from XXXX on XX/XX/XXXX AFTER I have paid them in full {$460.00}. This clears my debt. This company reported me 180 days late this past XXXX XXXXXX/XX/XXXX and I paid them XX/XX/XXXX. I see the payment due date is the XXXX of each month although the billing cycle starts the second of the month. 
Either way they trashed my credit I believe for XXXX reasons since I am XXXX XXXX and I feel even though I have paid off the credit card they still seek to destroy my credit by not reporting the card as paid off but as still late. 
DO NOT accept a credit card from these people because they will take your money and still report you as late. This is wrong and although I spoke with a XXXX on XX/XX/XXXX about this matter she was quite dismissive of their mishandling my account.
Consumer complaint received 2023-12-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I was able to take out a line of credit that is illegal in the state of XXXX. The loan terms make it impossible to pay back and the loan is usurious. They fall under the category of rent-bank.
Consumer complaint received 2023-04-21
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. (NV)

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 accounts 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 : XXXXXXXX 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 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act 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} 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 2024-04-09
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 profound frustration and disappointment with the ongoing presence of late open accounts on my record despite repeated attempts to correct them. 

This marks the third time I am contacting your office regarding this matter, and unfortunately, the issue remains unresolved. The continued presence of these late open accounts not only tarnishes my financial standing but also reflects poorly on your organization 's ability to address and rectify customer concerns in a timely manner. 

Given the repeated nature of this issue, I demand immediate action to rectify the situation. I expect a comprehensive response outlining the exact steps that will be taken to investigate and correct the late open accounts without further delay. 

Please understand that this communication serves as both a formal complaint and a plea for urgent resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00}.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-08
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2018-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

On frequent occasions the Navient website has not accurately posted my payments. I took screen shots throughout XXXX to show how within the same billing month the payment due amount jumped all over the place despite me submitting payments of the entire amount due each time I logged in. Attached are screenshots of the revolving amount due within a few days of each other despite me processing payments to the entire amount due. Not only that but their website makes critical decision making information obscure to access. They have embedded loan details and other factors about the promissary conditions impossible to track down. There have also been floating " Late fees '' posting to my account. These fees should not apply because I currently have Income Based Repayment at {$0.00}. A phone customer service person told me those were just late fees and would not affect my account but could not ensure anyway that they would not be reflected on my overall balance. Recently I was about to make a change to my account to move some of my balances to a consolidation to ensure that they would be eligible for REPAYE. I asked the customer service person what fees or expenses I might incur from this move. They listed that I needed to make a minimum payment of {$5.00} for that month and that I would need to pay the interest for that month. After asking if that was all the expenses I would incur she insisted yes until I asked if any interest would be capitalized on my account. She then indicated that it would, because I asked but it was obvious that she was trying to obscure that information as well. I believe they have done this on a few other occasions and it has caused me to rack up over {$20000.00} of capitalized interest that could have otherwise been prevented. Their website is unethical in how it fails to provide detailed and accurate information about my loans and payments. Most of the time their customer service members are digging for answers about why things are occurring on my account as opposed to having access to clear and truthful facts about my loans. They are intentionally obscuring critical decision making information about my loans. In no way are these tools proper for loan management and are causing my loans to inflate to larger amounts as opposed to assist me in paying them down. I believe I was not given proper information to choose the proper Income Based Repayment plan reflective of my circumstances and that has also added over {$72000.00} to my overall amount owed. Their loan servicing is unreliable, inaccurate and unethical.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NC)

The Debt was Originally XXXX for XXXX XXXX after leaving their employment they opened services in my name for consumer services without my knowledge or consent, I turned in my equipment after leaving the company as an employee on XXXX 

I received notification sometime in XXXX  from a " SW CRDT SYS '' that I had an outstanding balance of XXXX for services rendered by XXXX XXXX, I explained to them I used to be an employee I Turned in my employee equipment and the company terminated my employee account after leaving. I was unaware of any additional Consumer Account opened under my name. 

SW CRDT SYS failed to remove the debt and tried to continue collecting so on or about XX/XX/XXXX I filed a dispute with XXXX over the accuracy of the debt. As again I never requested services, i never authorized services and after leaving the employment of XXXX I turned in my equipment. I won the dispute on XXXX XXXX XXXX and It was removed from all 3 credit agencies. Sometime in XXXX XXXX XXXX XXXX they added the debt again for this time {$530.00} When I contacted them to explain that this was invalid and that I didn't owe XXXX XXXX anything they said " They being XXXX XXXX on a recorded line with their Executive Support Team '' that due to the dispute, they would try to collect any information and get back to me, once XXXX responds even if they try to uphold the debt it would be removed. This struck me as odd as It would seem against the Fair Debt Recording Act to say something like that. 

Anyway, I have redisputed this debt with the credit agencies and while some have come back and tried to validate the debt now at least 1 is still pending ( XXXX ) investigation. SW CRDT SYS reuploaded the debt under Southwest Credit Systems under a brand new account number and when I asked for supporting documentation on their revised balance they ( XXXX XXXX ) sent me copies of the old amount in which I won the dispute over.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.