davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE CORPORATION (MI)

I have two mortgages with SouthState Bank and make a recurring electronic payment monthly for my loan amounts. In XXXX, they sent a duplicate escrow check to my insurance company. My insurance company returned the money in XXXX. Because my escrow account was short my escrow payment was increased. Their fault. 
I sent a message to SS Bank Sent At : XXXX  XXXX XXXX Topic : Escrow Analysis Subject : duplicate check to my insurance company Message : My insurance company mailed you a check for the amount of the duplicate escrow overpayment of approximately {$1900.00}. please let me know you've received it and are processing it., sent another one a week later ended up getting a response on XXXX XXXX i called on XX/XX/XXXX or so, and the rep said she saw the problem, and would get the returned check applied and the escrow recalculated for my XX/XX/XXXX payment. I checked my account and the payment i made is pending due to it being short because of the escrow. i have made many calls and today, they said the escrow has been adjusted but it's slightly higher than what it was by {$71.00}. That's fine. I went to pay the {$71.00}, the IVR and website don't accept partial payments, pay by phone charges over {$11.00} and when i spoke to a rep, her boss and her boss they all said it couldn't be waived. This is ridiculous, they want to charge me for their poor service and mistakes. Their solution to go to somewhere that sends money through XXXX XXXX or mail it in. Mail is the least secure method of making a payment and i'm not spending my time to find a XXXX XXXX place due to their mistake. SS Bank doesn't care because they know I can't find a better interest rate now that rates have gone up and i'm stuck with them. They provide horrible customer service.
Consumer complaint received 2023-07-13
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : XXXX | XXXX : XX/XX/1987 I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late or XXXX reporting for months after account closure by the creditor. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. No to mention this debt was never validated when requested from the creditor and the XXXX and Equifax have failed to do a property investigation ... .. confirming the dates of closure and continually reporting negative and inaccurate information. 

The below account is in violation of FCRA section 623- Which states CRA can report delinquent until closure, post closure/ discharge, CRA can not continue to report negative information months after months. 

XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX See credit report attached for information being disputed.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I was on vacation in XXXX. JP Morgan Chase bank closed XXXX of my bank accounts Their excuse was that I disputed XXXX charges which were valid and gave me no notice. Currently there was {$2500.00} dollars in XXXX account. I spoke with their fraud department and they gave me the XXXX to goto the branch and cut me a check, but when going to the branch the branch XXXX won't give me the cash because he needs an override even though their fraud/escalaton department gave the green light. They're playing games and I just want the cash that's owed to me. I didn't break any banking rules and just want my cash.
Consumer complaint received 2023-05-10
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. (LA)

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.
Consumer complaint received 2022-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Account Control Technology, Inc. (NC)

To Whom It May Concern : From XXXX XXXX XXXX  I had wage garnishment occur from Account Control Technology on behalf of XXXX/The US Department of Education for defaulted student loans. The amount they stated owed was {$6700.00}. During this time, they deducted {$6700.00}. Since I owed this money, I did not contest it, but the garnishment was a significant financial hardship at the time. 

I have the wage garnishment forms they sent to my employer and paystubs that show the garnishment occurred. However, the funds were never applied to the loans, and paperwork was never sent to me as requested, indicating I had paid the loan in full. My Federal Loans that equal the amount Account Control Technology deducted are still active on the US Department of Education website in the amount of {$6500.00}. The loans have since been moved to other companies. 

On XX/XX/2022, I called Account Control Technology and spoke to a representative named XXXX. XXXX acknowledged the collection but can not or ( will not ) send me proof the garnishment was applied to XXXX loans or that the US Department of Education was informed the debt was paid in full. 

XXXX states Account Control Technology can not provide anything in writing and are " just '' a third party that worked on behalf of XXXX, not the US Department of Education ; however, this is contrary to what they stated in the letter they sent to my employer. 

Account Control Technology is a third-party contractor for the US Department of Education . XXXX also stated the account was released back to XXXX once I completed the garnishment and the debt was paid. XXXX has no record of receiving this payment and applying it to any of the loans that were with them from XXXX. They have sold some of these loans to new companies. 

XXXX informed me she would forward my concerns to Account Control Technology 's accounting department, and someone would contact me within

7-10 business days.

Account Control Technology took ( {$6700.00} ) of my hard-earned wages and stated they can not or ( will not ) provide any insight as to where the money went. As of today, XX/XX/2022, I am still waiting to hear from their accounting department. 

Due to their mishandling of these funds, my legal counsel has informed me Account Control Technology violated several consumer laws. I am in the process of notifying the appropriate agencies to investigate and may pursue litigation. 

Addendum : On XX/XX/2022, when I attempted to follow up with Account Control Technology to receive a status update, the last number I called and on their website : XXXX, is now forwarding to a different company XXXX XXXX XXXX. Additionally, another number shown on their website as a contact number, XXXX, provides a recording for Account Control Technology but forwards to a different company XXXX XXXX. 

Please investigate and follow up with me. 

Your prompt handling of this matter is greatly appreciated. 

Thank you
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Someone is using my identity to open checking and savings accounts with Bank of America. The first was in XX/XX/2022 and again on XX/XX/2022. Bank of America has helped but they keep allowing new accounts in my name. This has now allowed other accounts to be opened with XXXX and others.
Consumer complaint received 2023-08-10
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-10-20
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. (IN)

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. 

Account Name : XXXX XXXX XXXX, Account Number # 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2021-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (OR)

XXXX XXXX, 2020. I tried accessing my credit card year-end summary. It was not available online. When I asked where to find it, I was given a random URL ( https : //www.penfed.org/forms/credit-card-annual-summary-request ) to go to to request it. By random, I mean it isn't accessible from any links on the website. You have to know where it is. I also tried the search function with " credit card year end summary '' and then just plain " year end summary and it didn't show up. Once on the page, I found out it isn't just a page to get the summary, but to ENROLL in a REQUEST to get one AND the request has to be made by XXXX XXXX of the prior year. When I asked about this I was told ( paraphrased ) " nothing we can do ''.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have a balance around {$5000.00} with capital one auto finance. I have been sending letter after letter asking to settle on an amount that I can afford. I am trying to avoid bankruptcy and COVID took a toll on my debt.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (VA)

Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.
Consumer complaint received 2022-10-20
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. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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, The XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX 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 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 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 XXXX XXXX XXXX Account name Account Number Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ) Reference # XXXX Bankruptcy ( XXXX  XXXX ) Bankruptcy ( XXXX XXXX ) Reference # XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 XXXX years. 

15 USC 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 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

This occurred on XX/XX/2022 and is one of many cards/loans for application. No information on the location except for Comenity BankXXXX XXXX XXXX It says my SSN, DOB and name all matched. 
I have not applied for a card or loan in years. I am using XXXX XXXX XXXX and they are having trouble finding this company.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Attached you will find a copy of my IT report on this issue. Experian Consumer Reporting Agency. Continues to Furnish a FRAUDULENT ACCOUNT on my Consumer Report. I listed several FDCPA and FRCA LAWS that they are Violating but they continue to report this account. They are Violating Permissible Purpose, Right to Privacy, Billing Error and they are Violating the provisions of 15 USC 6802.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A CHARGE OFF ON YOUR CREDIT REPORT MEANS THE DEBT IS CONSIDERED INCOME ACCORDING TO THE IRS. FCRA STATES IT IS UNLAWFUL TO REPORT INCOME ONTO YOUR CREDIT REPORT. 
Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account XXXX XX/XX/90 days late XXXX
Consumer complaint received 2023-01-04
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I made a deposit to my checking account with Citibank on XX/XX/2018. I deposited a check for {$130.00} and {$19000.00} for my HO claim opened with XXXX XXXX. The checks were made payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and endorsed by them and myself. I have been following up on my deposits and was told I would gradually have the funds available in the account. I was told that on XX/XX/2018 I was going to have {$200.00}, on XX/XX/2018 I was going to get {$400.00}, on XX/XX/2018 I was going to have {$4400.00}, and finally on XX/XX/2018 I was going to have the remaining amount of {$15000.00} available in the account. As of today, my funds are not available and was told checks have been returned. They are not giving me reasons why the checks got returned. I attempted to speak to a supervisor by calling ( XXXX ) XXXX and after providing all info requested so that they speak to my wife, she was told there was an emergency and that she would get a call back. XXXX, the supervisor, said she had a bad stomach ache and was needing to go to the bathroom. My wife was told she would get a call back within 3 min and it is XXXX PST and no call has been received. I attempted to get answers by chatting with a bank rep since they provide that option when you log on to the account and again, no information can be provided. I was told to call customer service. I need this resolved by the end of today, Friday XX/XX/2018.
Consumer complaint received 2018-12-07
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. (FL)

In my credit report XXXX ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.
Consumer complaint received 2023-09-28
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)

CAN YOU PLEASE PROVIDE DOCUMENTATION HOW YOU VERIFIED THESE ACCOUNTS ALSO WHO FROM YOUR COMPANY THAT CALLED TO VERIFY ALSO WHAT INDIVIDUAL FROM THE FOLLOWING COMPANY WHO YOUR EMPLOYEE SPOKE WITH TO VERIFY THESE ACCOUNTS PLEASE PROVIDE NAMES OF YOUR EMPLOYEE AND WHO THEY SPOKE ALSO THEIR TITLES WITH SAID COMPANIES BECAUSE I NEVER RECEIVED ANY HARD DOCUMENTATION PROVING YOU VERIFIED THESE ACCOUNTS YOU ARE VIOLATING FAIR CREDIT ACT AND FEDERAL LAWS SO PLEASE SEND DOCUMENTATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX