davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

for the last two and a half years I have had approximately 10 transactions from the ATMs that either did not give me my money, gave me partial money, would not accept my deposit or accepted only a partial deposit and did not register it or didn't register my entire deposits. The very worst part of this is that before the last two and a half years I trusted the bank to count my money and deposit it Yes that was not the smartest thing of me but I made good money I didn't accept credit cards at the time and I just was in a hurry I threw my money into the ATM without counting it and there were times that I said to myself no no no no no no I had way more than that but of course I trusted the bank knew how to count the money so I didn't say anything at all and I know that I have been stolen from by Chase Bank because they never notified me and said hey you're deposit was incorrect we took more money than what you deposited. I feel I've been robbed by my bank. regardless if I was not smart enough to count the money at the time I trusted the bank to do that for me and they took advantage of that with their machines I requested for them to check on my transactions but they wanted exact times and I didn't know the exact dates. Chase Bank ATM machines are notorious for being down, inoperable. This is caused me to use nonchase ATMs for transactions this has caused me to have to run around sometimes to three different banks to find a working ATM when the bank is closed or when the bank is open because I don't have time to wait in lines or possibly I've just run out in my pajamas to make a deposit doesn't matter why ATMs are down all the time I hear people frustrated as I walk up saying the machine 's down again imagine that! ATMs are supposed to be an are offered as a convenience to their customers Chase is not supplying what they promise that we will have and that is the convenience of an ATM. when they're closed at night there's noone to tell thee ATM ook your money. it's frustrating to deposit money and walk away knowing that you have no receipt that you have nothing to show that you put money into that bank account because it's not registering. they've said they'd fix the problem over and over and over I've complained. so now I'm trying to go above them because it's been 2 and 1/2 years and nothing has changed. unfortunately I do not keep my dispute papers after their resolved but the bank has records so I don't have documents to upload but the bank has them
Consumer complaint received 2023-07-14
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. (MO)

Request for Deletion of Closed Account from Credit Report I hope this letter finds you well. I am writing to bring your attention to an item on my credit report that requires immediate attention. The purpose of this correspondence is to request the removal of a closed account from my credit report. 

XXXX I recently obtained a copy of my credit report and was disheartened to find that this closed account is still being reported. Although this account was closed. it continues to have a negative impact on my credit score and overall financial standing. 

I would like to emphasize that this account was closed in good standing and all associated obligations were fulfilled as per the terms and conditions outlined by the creditor. Consequently, it is only fair that the presence of this closed account on my credit report be rectified to reflect an accurate representation of my creditworthiness. 

In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and take prompt action to remove this closed account from my credit report. Please provide written confirmation once the account has been successfully deleted. 

I have enclosed copies of supporting documents, including statements, correspondence, or any other relevant information that may assist in the resolution of this matter. 

Thank you for your prompt attention to this request. I have faith in your ability to handle this matter efficiently and ensure that my credit report accurately reflects my financial standing. Should you require any further information, please do not hesitate to contact me at the address or phone number provided above. 

I look forward to your positive response and a swift resolution of this issue. 

Thank you for your time,
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NE)

In  XXXX  of last year we were offered a " strea m Line  '' loan modification of our mortgage ; we had gotten behind on some of our payments because of some health issues my wife and daughter were having. They originally told us this would lower our monthly payment and would keep us from falling further behind. The agreement was we would pay {$890.00} fo r Three m onths then the loan modification would go though with our new payment. That would mean at the beginning of this year we should of had our new payment and been on a regular Mortgage. Unfortunately this has not been the case. I have had to call in my payments for the last 7 months which have caused me to inadvertently miss a payment . Ditech the  loan company has given me the run around for the last 5 months saying paperwork is on its way, or underwriting is behind or it was already mailed out. now the latest is well you missed a payment in   XXXX   so now we do n't know if you will get the modification, after we had been told for months the paperwork is already processed. I am so frustrated, the rep. even told me to just sell my house, I honestly do n't understand why they are treating us like this. We just want our modification done so it reflects right on our payments and then we can clean up our credit. I also wanted to mention that they sent a rep to our house at about  XXXX  at night while I was at work, when I confronted them about it they said it was n't them but it was   XXXX   XXXX   just checking to see if anyone was still living there, when would another lending company do that? so much miss representation.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Society Business Services, Inc. (AZ)

Bureau of Medical Economics is reporting to all three credit bureaus that I owe them a balance of {$370.00}. I never engaged in any business affairs with the Bureau of Medical Economics. I disputed it previously and both the company and the credit bureaus never provided me with a signed contract with Bureau of Medical Economics with my signature. A collection bill is not a validation of debt and I have a right to be provided with proof of my direct business affairs with them.
Consumer complaint received 2017-05-16
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)

Recently became aware of a credit card with   XXXX   XXXX   that was opened in my name by my sister and her husband. The account is past due and affe cting credit score because  both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them.  After 2 weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I a sked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Statewide Credit Services Corp. (NY)

During this time, the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments and my dental coverage was dropped.My credit was greatly effected from these events. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situations. It is almost seven years reaching the statute of limitations. I am hopeful that you are understanding of the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of five to recover and remove this account from all three report.My husband as since lost his job we have been climbing back slowly ever since
Consumer complaint received 2019-05-15
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. (GA)

I have disputed a medical bill on my credit report through Transunion several times over the last few months. The medical bill was placed on my credit by XXXX XXXX XXXX. I made Transunion aware of the fact that I was a Medicaid recipient and therefore did not owe the bill because by law I can not be billed as a Medicaid recipient. 
They did absolutely nothing about it and stated that it was staying on my credit. I don't believe Transunion adequately investigated the matter. If they had done anything more than a cursory investigation, they would have realized that XXXX was illegally attempting to collect the debt. 
XXXX  account number : XXXX This is regarding the medical bill on my credit report for XXXX XXXX. The DOS for this bill was XX/XX/2014. I am including a copy of proof of medical coverage for the DOS.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (TX)

Account # XXXX I am writing to dispute inaccurate information that has been reported by Aidvantage, the federal loan servicing unit of Maximus Education, XXXX, on my credit report. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC Section 602, On XX/XX/XXXX, Aidvantage, account # XXXX in the amount of {$73000.00}, began reporting my nonpublic personal information to nonaffiliated third-party credit reporting agencies, namely XXXX, XXXX, and XXXX, XXXX obtaining my consent and without providing me, the consumer, with a nondisclosure option. This action is in direct violation of Family Educational Rights and Privacy Act ( FERPA of 1974 20 USC 1232g ( b ) and, 15 U.S.Code 1681s-2 ( A ) ( 1 ), which states, " 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. '' Furthermore, I have adhered to the provisions outlined in 15 U.S.Code 6802 and 6804, wherein I provided Aidvantage/Maximus Education LLC with an opt-out notice. Regrettably, Aidvantage/Maximus Education LLC failed to provide a reasonable opt-out form, denying me the opportunity to protect my nonpublic personal information. As a result, I, the consumer, have not given my consent, and I am hereby opting out of any and all authorizations given, whether written, unwritten, verbal, or nonverbal, to Aidvantage/Maximus Education LLC . This revocation of authorization includes any communication of my information to third-party consumer reporting agencies. 

I kindly request your immediate investigation into this matter and the removal of the inaccurate information from my credit report.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Solar Mosaic LLC (CA)

I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO GET THIS REMOVED FROM MY CREDIT REPORT FOR THE PAST 8 MONTHS. THE FRAUDULENT ACCOUNT IS FROM XXXX XXXX XXXX BUT WHEN I CALL THIS COMPAN THE CANT FIND ME IN THEIR SYSTEM WITH ANY OF MY INFORMATION. THEY GAVE ME A NUMBER FOR TURNSTILE FINANCING XXXX AND THEY CANT FIND ME EITHER. THIS IS REALLY FRUSTRATING I HAVE ALSO CONTACTED THE BUREAUS AND THEY ARE TELLING ME TO CONTACT MOSAIC DIRECTLY. APPARENTLY THIS HOME IMPROVEMENT LOAN WAS OBTAINED BACK IN XXXX OF XXXX, THEY DIDNT REPORT ANYTHING UNTIL XXXX OF XXXX, THEN THIS LOAN IS REPORTING LATE FROM XX/XX/XXXX UNTIL XX/XX/XXXX AS NEGATIVE AND CLOSED. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. THANK YOU
Consumer complaint received 2024-03-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX {$520.00} Account Name : XXXX XXXX Account Number : XXXX {$670.00} Account Name : XXXX XXXX  Account Number XXXX XXXX {$10000.00} Account Name : XXXX Account Number : XXXX {$17000.00} and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (NC)

I purchased a boat from XXXX located in XXXX, NC in XX/XX/2020. I financed it through BB & T which was later renamed or bought out by Truist. The loan number is XXXX. The loan has been paid off but I have not received the title. I contacted the bank and they are giving me the run around about contacting different division. So, in all, I have completed my financial obligations with them yet they have not provided me with proof of ownership for the boat.
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (LA)

I applied for a consumer credit transaction as a natural person acting in good faith to purchase a vehicle for personal and family use on XX/XX/XXXX, XXXX application was completed by XXXX XXXX XXXX XXXX and they sent the application to Ally Bank XXXX I made myself perfectly clear that is was a consumer credit transaction and I was supplying the credits to make the purchase of the truck. I issued them my social security number which is connected to my account held by the Treasury known as the birth certificate account, XXXX que vie trust and public charitable trust. I made it clear I was extending credits that is available to me via XXXX XXXX and Public Law 73-10. I advised them this has been law for almost 100 years and has been hidden from the people and I was using it to buy a vehicle. I received an adverse action letter dated XX/XX/year>. I advised them I was not subject to adverse action according to law because I am extending my credits. I made it clear that I am the one that regularly extends credits when making purchases in commerce. I submitted letters explaining in detail 15 USC 1602 the definition of credit card is pretty much unlimited to anything if it is used to make a purchase using credit. Therefore My social security card is considered a credit since it is the number used to access my account which contains my credits that are owed to me by law. I explained that the normal process was for them to access the account and not advise the consumer that it was happening leaving the consumer completely in the blind which is fraud for failure to disclose the consumer credit transaction in full. I have made several attempts with ally Bank and I have been ignored and told they were not familiar with the process I am talking about which is a bold face lie. I am an American XXXX XXXX therefore I have taken back my birth rights and also claimed my Estate known as XXXX XXXX. They have also received all the proof of my status correction and have totally disregarded my request to revisit the denial because it was unlawful. I have also mentioned the acceptance for value process but they don't want to hear that. I advised them acceptance for value process is the best way to make the purchase because they get to keep their credits, I get my vehicle and the Federal deficit goes down for the amount of the purchase. Again I was completely ignored.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (OH)

Over {$11000.00} was added back to my account and Barclays attempted to extract a minimum payment of {$1500.00} from my private checking account. When I saw that wasn't going to clear, I had to put a stop payment on the {$1500.00} charge ( costing me fees from my Credit Union ). Then because Barclays attempted to put it through twice, Barclays hit me with XXXX {$40.00} returned check fees and a late payment fee. I had made an early payment on XX/XX/XXXX of {$150.00} ( close to twice of what my minimum payment should have been and the payment was not due until XX/XX/XXXX. ) Then, Barclays abruptly shut off my credit and unbeknownst to me, lowered my credit limit to slightly above the new balance. If that was not enough, my credit report was affected and my XXXX score shows an XXXX point drop ( solely due to this. ) I had no late payments on my credit report before and my credit capacity was high. Now it is showing a late payment and overbalance. I just don't know how to remedy all this and get it back to where it was before all the previous complaint happened. How can this company even make this right at this point? I'm sure they will figure it out, remove the extra charges and hopefully reinstate my full {$9600.00} capacity, but they can not fix my ruined credit report. 

I have now lost credit capacity on another card as well solely due to this whole debacle.
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the XXXX XXXX XXXX Account, XXXX XXXX, Account # 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 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

We discovered that our Mortgage lender Fifth Third Bank have been for many years, treating us unfairly with our monthly mortgage amounts and payment of Principle and interest and our escrow amounts and balances.This resulted in a prolong legal battle between us and fifth third bank.After our lawyer won our case not once but twice, fifth third agreed to another modification in 2018 and agree to a new principle and interest amount {$260000.00} cents, we have accepted this new modification and have been paying on time, but fifth third mortgage department have been treating us unfairly and have since increase escrow payments on us, which they were not suppose to charge us, and have also increase the monthly agreed mortgage payments to more than $ XXXX addition to these complains, they have ignored the legal settlement amount that " no other amount but the said amount of {>= $1,000,000} cents is owed to fifth third bank from the XXXX, XXXX defiance to the law, and legal council Fifth third Bank has added a deferred balance of {>= $1,000,000} cents to our mortgage balance of under {$220.00} at present.In repeated contact to the bank, ourselves and our Lawyer they have not removed that deferred payment clause and, now it is causing us great difficulty, in starting a new project with the equity we have built up in our property.We need your help in resolving this problem as soon as possible.
Consumer complaint received 2022-10-22
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. (FL)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$860.00}, original creditor XXXX XXXX XXXX XXXX ), XXXX XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance {$7500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.