davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I never bounced a check or had insufficient funds. I do all my banking and bill pay on line. I tried to transfer funds from my savings account to checking to pay a bill. I could not do it. So I went to the bank and they told me my account was closed, they called corporate and could not get a reason why they closed the account. I did not like the answer so I closed all my accounts with the bank. I opened a new bank account with a new bank. This happened on XX/XX/XXXXand it has been difficult for me to pay my bills on time. My wife and I are extremely disappointed with Chase Bank and will never do any Business with them.

I have been with Chase for over 10 years.
Consumer complaint received 2022-10-29
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. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-15
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: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (WA)

XXXX is in shambles and unusable ( XX/XX/2023 ). How are we supposed to trust this agency with our credit information when they can't even maintain a website? You get a " 403 Forbidden '' when you click the Sign In button. Nothing happens at all when you attempt to add or manage a freeze.
Consumer complaint received 2023-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CT)

I had XXXX out of state. I then received the expected co-insurance bills from unfamiliar names/ practices because it was out of state.While recovering, and not paying as good attention, I paid partial payments to everybody I had a bill from. When I was feeling better, I confirmed the remaining balances with everybody and paid them. All except one that I could not confirm. I think I fell victim to a scam, as I have no idea who this is. I sent XXXX partial payments totaling XXXX to XXXX XXXX XXXX  XXXX, File XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. That address does not make sense. XXXX XXXX in California. I then got a letter from a collection agency stating they were trying to collect a debt from XXXX. The collection agency is Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, PA XXXX. I wrote on the the letter they sent me explaining why I did not owe this debt, and asking for their help recovering the money I had sent to XXXX. Unfortunately, I did not make a copy of the letter. I mailed it back to them, and did not hear back from them. I did write the information down. So I called them with the account numbers to ask them what is the status. They told me they could not find any information in their system using my account number, or my name, and they had never heard of XXXX.
Consumer complaint received 2023-10-15
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. (FL)

INACCORDANCE 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 16.81 The accounts below have violated my rights.

15 U.S.C 1681 section 602A 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account closed XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2023-08-09
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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (OH)

On XX/XX/23 a transaction was posted on my card that the Company recognized as fraudulent and they informed me. I confirmed it to be fraudulent and had them close the card. Four days later, another {$1100.00} transaction was posted with an XX/XX/23 transaction date, a transaction that I did not initiate nor have any idea who filed it. When it posted, I reported it to the Fraud team who said they would investigate. Two billing cycles later, when it remained on my bill, I complained that they still hadn't removed it. They simply declared the transaction valid without any info related to the investigation nor how they determined it was valid. I had no participation in it. The company keeps adding interest. I have a 9 page document that illustrates all the exchanges with the company that I will attach.
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

The incident started when the company over charged my account. The amount was disputed and the account was eventually credited after 3 months in resolution. because of the inconvenience, I decided to close the account.. The company is now attempting to bill me late fees for an account that was closed with a zero balance. The account was paid in full and closed by my request on XX/XX/2023 confirmation number : XXXX. The name of the agent assisting me is XXXX, who confirmed the transaction and provided me with the above confirmation number.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EIC Enterprises (FL)

I can't even get the First Loan website to load but they sent me a copy of a contract from 3 plus years ago that looks like it has my initials on it, but it's a tribal loan at 757 % interest. They're requiring payment by this Friday in order to settle for XXXX something dollars. It doesn't make sense. I think they are scamming me, but I don't know for sure. Also, 757 % interest is illegal in Florida so I don't understand how they could even attempt to collect. Provided alleged contract is attached. But the company seems defunct.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc. (CA)

I have no problem with the my mortgage, my problem is that Mr. Cooper will not accept my current homeowners policy with XXXX when my policy expires on XX/XX/XXXX   due to a low rating from XXXXXXXX XXXX XXXX. XXXX is in the process of being purchased by the XXXX XXXX XXXX XXXX California and the purchase is expected to be completed by the end of this year. XXXX XXXX XXXX gives them a A+ rating. I have contacted Mr. Cooper several times at XXXX. The last employee, XXXX ( no last name or company I.D . provided ) stated that I have no other choice but to get new insurance, that some loans with XXXX will not have to deal with this problem until next year depending on when their insurance policy is due. I advised him that Mr. Cooper purchased my loan, I did not obtain it from them. When I asked to speak to a supervisor, my request was denied and that this was a Mr. Cooper decision. Surely a company of XXXX employees do not all report to the CEO/ XXXX XXXX XXXX Surely their must be some form of layered management. Do you know how difficult it is to get homeowners insurance in XXXX California?
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing today to file a formal complaint against Transunion, there are several items that have reappeared on my credit report AFTER being successfully deleted/removed after I disputed the items 1. XXXX XXXX XXXX was deleted approx XX/XX/2023, and this illegitimate debt has reappeared on my credit report and I was NOT notified by Transunion 2. XXXX ( XXXX XXXX XXXX was deleted/removed from my Transunion Credit report approx XX/XX/2023 and has reappeared to my credit report WITHOUT me being notified. 
3. XXXX XXXX XXXX was deleted/removed from my Transunion credit report approx XX/XX/2023 has reappeared to my Transunion credit report WITHOUT me being notified within 5 days in writing. 
Per FAIR CREDIT REPORTING 1681i - ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I contacted SPS on XX/XX/2020 to ask for assistance because as a self employed due to COVID 19 affecting my state of Georgia I was out of work with no income. They contacted me on the XXXX of XXXX advising me that they will put my loan on forbearance for 3 month, but I have to pay a balloon payment on XX/XX/XXXX if they can not find other workout for me. Which mean loosing my hone. This was what XXXX gave them as an option. 
How can I pay almost {$6000.00} in XX/XX/XXXX if do not have {$1.00} as income today?
Consumer complaint received 2022-12-07
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. (NC)

In XX/XX/2021 I had XXXX. Due to my illness and delays of service by the US Postal Services, I was late making my XX/XX/2021 payment. 
I made XXXX payments in XX/XX/2021, and paid the account current, however the issuing company then said I was 60 days late, this is incorrect. 
My prior payment history was excellent, without any late payments before or since this one, isolated incident during the height of the XXXX XXXX pandemic and illness on my part and Postal Service Delays. 

I can not help these XXXX issues affected my XXXX time ability to not pay on time.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TN)

I called them to try and pay off my debt. I was going to pay off XXXX XXXX I asked for a receipt for proof of payment and remaining balance and they told me no. I asked why the keep increasing the balance and they could not give me an answer.
Consumer complaint received 2023-09-27
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)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : ONLINE INFORMATION SER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I paid merchant $ XXXX for materials and labor ( for a home renovation project ), half the cost of the total job ( $ XXXX ). The merchant was supposed to provide me with receipts justifying the costs, he never did. When the work was complete, there were several issues with the work. Walls were not fully painted, holes in drywall, cracks in the walls, new flooring is separating, needed electrical work was not done, and no permits were ever filed with the city. Later an inspector came and said the new wall and flooring has to be removed. 

On XX/XX/XXXX, I filed a dispute with the credit card company stating that the services are not satisfactory and were not fully completed. 

On XX/XX/XXXX, the credit card company responded stating the charges are valid. They did not provide any details as to how they came to this decision other than " Based on the information available. '' On XX/XX/XXXX, I submitted photo evidence of the unsatisfactory work to the credit card company. I also provided copies of the multiple invoices and text messages with the merchant about him not completing the electrical work. At this time there were squatters living in my home ( family of the merchant ) and I could not provide additional photos ( other than those already provided ) of the unsatisfied work. 

On XX/XX/XXXX, I told the credit card company that their website says that if I am not satisfied with the service, than it is a charge error. I recapped everything that is going on and listed why this is a charge error, per their own website. 

On XX/XX/XXXX, after the eviction and I gained access to my home, I sent the credit card company additional photos of dissatisfied service. 

On XX/XX/XXXX, the credit card company responded " While you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid and no billing error occurred on your account. '' On XX/XX/XXXX, the credit card company responded with the same message without explaining any details of what they based their decision off of. They end the letter with " Since we have conducted a thorough additional review of your dispute and can not find a valid billing error, future correspondence from you regarding this matter will be reviewed and placed in your file ; we will not send a response. '' On XX/XX/XXXX, I again asked the credit card company to please provide me with the details and information used to make their decision. I also asked them to have a manager contact me and not a " Customer Service Specialist ''. 

No response. I later asked if they can give me a history of all the documents I uploaded to them ( I am not able to access ) and they said they could not.
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. (DE)

Experian is furnishing information on my consumer report after I opted out of any LATE PAYMENT, CREDIT UTILIZATION, INQUIRIES, INCORRECT ADDRESSES, and INCORRECT NAMES per Per 15 U.S Code 6802 ( b ) They are violating my rights to privacy as a Consumer and affecting my ability to obtain Credit. 

I sent my initial requests on XX/XX/XXXX through mail to the CEO, but I have not had my requests acknowledged.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (FL)

XX/XX/XXXX I'm writing to request this information be removed from my XXXX Credit Report Account. I've been disputing this account since it's been placed on my credit report. 

I lived at XXXX Apartments back in XX/XX/XXXX. When I got ready to move I spoke with XXXX the rental manager at that time. I gave them proper notice before I moved. I also was granted to move before my lease expired. The agreement was for me to clean the apartment and they would keep my deposit and I would not owe the apartment complex any rent. 
This was verbal agreement that XXXX the apartment manager gave me. 
After I'd vacated the premises several months later I started receiving collection notices that I owed {$730.00}. I left voice mail messages to XXXX who was the regional manager, I finally spoke with her and she stated that they kept my deposit, but I still owed money. I disagreed with her regarding any monies owed because what XXXX who was the Manager at the time advised me before I left that I didn't owe the apartment complex any money. I still didn't agree to what had taken place. 
I was still receiving collection notices until I decided to pay this money, because it would affect my credit and me not being able to rent another apartment. 
Before I agreed to pay the collection, I phoned XXXX XXXX   XXXX, I believe I spoke with XXXX XXXX, I wanted to know if I paid this collection would it be deleted off my credit and she advised that it would be in a few months. Well a few months has turned into years. 

I've been disputing this item for several years, and they refused to delete off my XXXX Credit report. I'm writing to your agency to see if this item can be deleted from my report. I've paid the item, but the collection agency didn't remove it like they told me. 

Please review this matter, I look forward to hearing from someone hopefully with good news.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY ()

I own a saving account with wells fargo. I am abroad and have tried every policy way to send my current money to XXXX and close my account. However, they will not do this even though, I can verify many aspects of my identity. They claim I still am not providing enough information. However, I have all original documents.
Consumer complaint received 2018-05-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION (TX)

Xoom.com would not send my money to friend without me sending them my bank statement and a copy of my license. This would be normal, however they wanted it through unsecure email. Also, I was using my XXXX account ( already verified with XXXX ) to send the money so it raised all kinds of flags as their website says Xoom, a XXXX XXXX.