davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/ I mailed my Income Tax Extension with a check for {$14000.00} as my tax payment. On XX/XX/ my bank statement shows that check # 151 for {$14000.00} was payed out of my account, no other information in connection with this payment. 
XX/XX/XXXXI filed my income taxes, after they reviewed my return they sent me a notice dated XX/XX/ of unpaid taxes in the amount of {$14000.00}. I was sure they messed up as I had paid more than that in XXXX. I found my copy of the check I made before I mailed the payment then went to the bank to see the copy of the cashed check. It had been altered with a different payee and cashed by the XX/XX/XXXX CA dated XX/XX/. I asked my local Bank Manager what I should do, he helped me file a request of Chase Bank of " Declaration of Unauthorized Endorsement or Altered Item ''. Chase Bank declined my request. My local Branch Manager called a supervisor asking why it was declined as it is inside the time frame of the statue of limitations. Supervisor said resubmit it, I did they denied me again. TheXX/XX/XXXX took a report told me that the crime took place in XX/XX/XXXXso I tried to file a police report in XXXX, they would not do so telling me that I already filed a report. They have done nothing. XX/XX/XXXX tried to serve a subpoena for records at the XX/XX/XXXX about this person who deposited my stolen check, they did not respond. Without further information theXX/XX/XXXX closed the case. I engaged a Lawyer for guidance who wrote a letter to both banks quoting the legal statutes that they are ignoring pressing for a response or legal action will be taken. No response from either bank.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2023, I submitted a payment for the statement balance to my XXXX XXXX XXXX on Synchrony 's website. The payment deducted successfully and the balance reflected a {$0.00} balance. 

On XX/XX/2023, I woke up to a second payment for the same amount deducted from my checking account. After further investigation, Synchrony submitted the payment a second time even though the balance reflected a {$0.00} balance. The amount taken in both cases is {$390.00}. Only the payment on XX/XX/2023 is valid. After an hour of fighting through customer service and arguing, the only resolution provided is to " contact my bank if I have a problem ''. They claim to not see this payment anywhere in their system in spite of it not only showing up in my Synchrony account transaction list, but with providing confirmation numbers. The confirmation numbers for the XX/XX/2023 transaction do not match those of XX/XX/2023 transaction.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. 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 2023-08-26
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)

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, CA XXXX ; XXXX XXXX  XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX , NV XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$540.00} ; US DEPT ED XXXX Balance : {$2500.00} ; US DEPT ED XXXX Balance : {$4900.00} ; US DEPT ED XXXX Balance : {$3100.00} ; US DEPT ED XXXX Balance : {$2300.00} ; US DEPT ED XXXX XXXX : {$2500.00} ; US DEPT ED XXXX Balance XXXX {$4900.00} ; US DEPT ED XXXX Balance : {$6000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXXXX/XX/2023 ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2024-04-06
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: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX
Consumer complaint received 2024-04-06
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: Experian Information Solutions Inc. (FL)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: STATE EMPLOYEES CREDIT UNION (NC)

Well, hard to condense this but I will do the best I can I applied for mortgage loan, say earl XXXX, I think at The State Employees Credit Union [ SECU ] in XXXX NC I was not asked at that time whether I wanted an ARM or even given pros and/ or cons. I had no input in the matter. 
Flash forward to end of XXXX. My total Mortgage payment was @ {$480.00} monthly since inception at that point. 
I had been informed several years earlier when my property insurance was not renewed, that SECU had placed some forced insurance on my acct So @ say XXXX, XXXX, I started some XXXX XXXX XXXX- a company out of Delaware [ {$1800.00}? annual premium ] After this said Insurance was incorporated into my mortgage, the monthly payments skyrocketed to {$830.00} That was absolutely unaffordable so I cancelled the XXXX  plan and was told I again would be put on forced insurance. Lo and behold the payments remained at {$830.00}. " What the world '' as a student of mine, named XXXX used to say ( she didnt add " in '' )!! And like XXXX, the mother of Jesus " How can this be?? '' I asked on bank XXXX call line and a guy whose name I don't remember, [ let them listen to recording ] said forced insurance was @ {$30.00} per month. So I called and messaged several times over to ask " How can this be? '' Seems like no one EVER could answer that question. 
So, I told them that I would and did complain to NC Insurance Commissioner sending them copy Nothing happened, with that. 

So, I pondered, then contacted the bank about how these things, adding 2+2, that had happened against me seemed part of a pattern of XXXX and now age discrimination against me and possibly others that has been going on for years. 
And I gave example : I have had 3 mortgages with XXXX XXXX and have NEVER once been offered the NC mortgage loan deposit incentive ; So that is my complaint of discrimination. 
I messaged them and followed up by saying I prefer to get their answer in writing so it would be black and white ( excuse pun ) documentation avoiding misunderstanding I've gotten two calls which I missed, but their voicemail said for me to call them back Yes, that's was a no no. Cause they can run circles around me explaining this thing away
Consumer complaint received 2024-04-06
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. (TX)

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 XXXX XXXX XXXX. 

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 2022-12-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc. (OR)

Called my wifes phone, misled her that it was for a job. 

I called back and phone callers repeatedly did not identify the company they were calling for. Insisted that I confirm my ssn prior to properly identifying who they were and why they were calling. 

Multiple calls with a different person each time, until I spoke with XXXX who said they were with Unifin and that they were trying to collect on a debt. 

They said this was for a XXXX account for {$100.00} and pressured me to pay prior to posting it to the credit bureaus. 

I asked for written documentation as I dispute the debit. They were asked to provide proof of debit ownership, proof of the original debit and who it was for ( company that it was used for ). This was requested to be delivered via mail. 

They then threatened to report it to credit bureaus. I said, I have only ever had one XXXX account, and I just got a refund from it exceeding this. I believe this debit is false and will continue to believe that until they provide documentation for the debit. 

The call was abruptly ended when I declined to pay the debit over the phone for the fourth time.
Consumer complaint received 2024-04-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (FL)

I was contacted by Midland credit stating I owe them over XXXX with for a XXXX XXXX card for XXXX XXXX I told them I had a statement from XXXX XXXX in XXXX showing a balance of XXXX how did it increase so high. They said it was because I had XXXX interest and the payment ballooned once they obtained the debt. 

I was threatened legal action if I didnt set an arrangement they used unsavory tactics to force me into an arrangement for a debt I have no information on. They threatened to garnish my wages and put a lien on my home as well.
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (WI)

On XX/XX/XXXX, I hand delivered to the post office my mortgage payment due for XXXX XXXX The amount of the check was more than the amount due. On XX/XX/XXXX, I recieved an email from the mortgage company, New Rez LLC, indicating they had not recieved my XXXX payment. On XXXX XXXX, I verified with my credit union that the check had not been presented to them. I requested a stop payment on the check that day. I contacted the automated payment system for my mortgage company on XX/XX/XXXX, expecting to need to make a payment ; however, their system told me they had booked a payment on XX/XX/XXXX. On XX/XX/XXXX, I recieved another message from NewRez indicating they had not recieved payment. When I contacted them on XX/XX/XXXX, they indicated that my credit union indicated there was a stop payment on the check. Since this was due to their mismanagement of the payment, I requested a refund of the late payment fee and they refused. They also refused to refund the fee I will have to pay my credit union to stop payment on my check. Since I am in the financial position to allow it, I have requested a written statement of the payoff amount so I no longer have to deal with this company as it is the second issue I have had with them. They provided a payoff amount including a {$30.00} fee to close the account.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

at the end of XXXX of XXXX early XXXX of XXXX Capital One closed abruptly without explanation nor cause by means of violations from I. 
I have detailed the situation as it has played out from my experience. I am trying to find resolution and remedy for the blatant discrimination and adverse action taken by Capital One and allowing them to find a solution for this matter so that Litigation in Federal Court will not be an expense of time and effort and financial resources both sides will need to dispense with.
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (NC)

I DO NOT APPLY FOR THIS INQUIRY XXXX XXXX XXXX XXXX  AND THESE ACCOUNTS, I DON'T KNOW WHERE THEY CAME FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Specialized Loan Servicing OFFER IN COMPROMISE SETTLEMENT XXXX XXXX XXXXXXXX Based on the property tax bill I was provided by SLS in XXXX my property tax bill from XX/XX/XXXX to XX/XX/XXXX so far {$1400.00} have been over collected by SLS. There was a negative {$13000.00} for property tax bill provided by SLS its {$11000.00}. I have been over billed here too. 
PUBLIC NUISANCE WHICH SLS HAS NO RECORDS WAS PAID {$6200.00} IS NOT ESCROW ACCOUNT XXXX XXXX XXXX WITH THIS ON XX/XX/XXXX. ON XXXX PROPERTY TAX BILL {$3600.00} AND XXXX {$2600.00} WAS PUBLIC NUISANCE. TO MAKE IT WORST NO ONE HAS RECORDS FOR THIS. 
In XXXX payment of {$60000.00} was made by the state of which {$17000.00} was collected statement date XX/XX/XXXX. 
XXXX. Mortgage interest form XXXX reported to IRS shows {$3200.00}. 
XXXX. On CFPB response XX/XX/XXXX SLS stated they only collected {$1400.00} property tax. 
XXXX XXXX XXXX  took out {$73000.00} for principal interest and escrow. Property tax bill from XX/XX/XXXX to XX/XX/XXXX was {$11000.00} and should been all paid from {$99000.00} payment. Misapplied payment of {$29.00}, XXXX Based on my records, the total amount of money loss of {$60000.00} for which I am now considering state auditor to audit entire payment. 
With this above unresolved I do not {$60000.00} but {$29000.00} or nothing account should have XXXX balance. 
As a comprise I am offering {$30000.00} to pay off this loan and full in lieu of not filing new complaint for public corruption, fraud, financial mismanagement and requesting stated auditor to audit this account which states paid. 
Entire records of property tax bills, CFPB response and so on I was provided by SLS and XXXX XXXX XXXX  to provide. 
ALSO PLEASE PROVIDE ME ATTACHED BILLED ITEM INVOICE FOR THE SERVICE PROVIDED COPY TO VERIFY WHO PROVIDED THE SERVICE. EXAMPLE OF THE SERVICE PROPERTY INSPECTION COULD BE ONE OF THOSE. 
IN THE SAME PAYMENT HISTORIES BILLED ITEM TO ME XX/XX/XXXX PROVIDE ME COPY OF INVOICE THAT WAS BILLED FOR {$590.00}, {$510.00} WHAT WAS THIS FOR, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$25.00} EACH WHAT WAS THIS FOR, XX/XX/XXXX FOR {$25.00} XX/XX/XXXX FOR {$88.00}, XX/XX/XXXX FOR XXXX AND {$75.00} EACH BILLED TWICE AND XX/XX/XXXX FOR {$360.00}. 
Please have this offer of settlement no later than XX/XX/XXXX so I have time to decide about this pay off. I am also requesting you to remove {$25.00} and {$30.00} fee charged. 
XX/XX/XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2024 I began a new job as a XXXX XXXX for XXXX XXXX who owns a company named XXXX XXXX XXXX XXXX and allegedly worked for my XXXX. I was then given many instructions on what i would be doing. Then on MondayXX/XX/2024 XXXX sent me a check of {$18000.00} via email and was told to print it out on XXXX paper and deposit it as it would used towards investing into XXXX  on his behalf and I would receive 20 % of the deposit. Upon depositing the check the same day my account became restricted. I then called Capital One on XX/XX/2024 to clear the restriction and was told that it sounded like a scam and how the check may have been fraudulent. The bank then told me that they would close my account because i fell for a scam but they would keep an open investigation. The next day,XX/XX/2024 I went to make a police report of a potential scam.
Consumer complaint received 2024-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

For the past XXXX  months between the dates of XX/XX/XXXX - XX/XX/XXXX I received phone calls and emails claiming that I owed money to this XXXX party. I called to request a letter of verification and validation of this debt by contract between their company and myself. I was denied several times.
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (NY)

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 party. 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, & XXXX are reporting a collection account listed as credit collection but have provided no evidence on how they validated this alleged debt, this is a violation of my federally protected rights. This account has it been verified because I have signed no contract with this company nor had any account. Delete this information.