davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Securus J Holdings, LLC (NY)

This had to do with JPay they provide inmates a tablet that allows them to communicate with family, send money watch movies play games and listen to music. They charge you fees in top if that. In they state of New York they tell you this tablet is complementary. I have paid up to XXXX in media alone. The tablets are like the lowest grade of tablet you can find. I have been trying since XXXX to have his tablet replaced. Of course he is an inmate and they transfer him. But it does not take 4 months to get a replacement. I tried to explain to them. There is nothing free with a XXXX dollar tablet. The girls response was well he can always access all his music when he comes home. That would be in XXXX years, not only that the point is to be able to use it now why would he watch them on his tablet when he comes home. We have paid for a service they have not provided. And not only that they never allow you to speak to any one that had a direct answer all they say is it's a process. Four months in. This had to be the worst company. I can not find any information in them and they are just takeing peoples money and acting like it's the states fault. Can some one please help me
Consumer complaint received 2021-11-23
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Neighborhood Assistance Corporation of America ("NACA") (CA)

NACA rep XXXXXXXX XXXX called me twice at XXXX XXXX within the last 10 days The first time she promised not to do it again. 
I spoke with her supervisor  and recorded the call with her permission Supervisor  XXXX XXXX said XXXX calling me repeatedly at XXXX is not harrassment This also occurred a year ago when I was past due a d I sent multiple request then for the early calls to stop.

Naca reps confuse to harass me for no reason. I am not past due and no one could find a reason for why XXXX called me today
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (TX)

I am filing this complaint as my right under FCRA XXXX and fair credit and billings act have been violated for these XXXX accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. I am requesting all XXXX credit bureaus to provide full validation and what give them the right to collect on this account? I have made numerous attempts to resolve this issue by certified mail. There are numerous discrepancies on all XXXX bureaus as I see # of months for all XXXX bureaus report to be different. I DO NOT RECOGNIZE. 
Please provide better explanation and proof so I can timely take care of. Additionally, I see this account as having a charge off so the balance is not accurate. As per FRCA law, all information must be accurate, no errors and verifiable. This is lacking in all three areas. 
Please direct the XXXX bureaus to conduct full investigation into this matter and not to use XXXX party vendors to purchase my information which I have opted out of. If they do, please provide the XXXX party vendors so I may contact them to see why they have violated the release of my personal information without my consent and especially when I have opted out.
Consumer complaint received 2020-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am writing to request your help. I tried to sole this issue with Bank of America in the past but I couldnt get any help. All I am asking is fairness. This creditor must do what Is fair in my case. I was a victim of fraud back on XX/XX/XXXX and I have proof of that ( please see documents attached ). Ive been trying to fix the big issue that this terrible experience has caused. I had no late payments on either of my credit cards before this happened. 

Bank of America was not the only company that I had issues with. I was the victim of business fraud for my XXXX XXXX account as well in XXXX of XXXX. I opened a small XXXX XXXX XXXX and in the process of purchasing equipment I was victim of fraud. Even the police department was involved. I have done everything in my power to get the negative payment history removed. 

It took me about XXXX XXXX years to recover to the point of being able to pay my rent each month. In that time period, my Bank of America account became delinquent as I was not aware that this was happening. A look into my credit history shows the time frame of late payments ( a string of XXXX late payments ) and the good payments leading up to this time. As soon as I was able, I paid both cards down legally. However, my credit was tanked! 

Now, I am finding it difficult to get my score where I need it to be in order to move forward. I have already suffered more than 2 years due to this unfortunate event. I began writing my own letters and making my own phone calls. I am still getting nowhere. It actually looks like they did not even investigate the account! According to the three major credit bureaus, the account has not even marked as disputed. These are big violations under the FCRA. 

I feel stressed out with this situation. I even had to go to the doctor because I started experiencing health issues. I am demanding what its fair. Bank of America must remove the following item of my credit report and provide me a deletion letter for my records. This account is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA : BOA XXXX # XXXX. Opened XX/XX/XXXX. Limit {$3000.00}. Status : Closed. Balance {$0.00}. 

This is the last step that I am taking before taking this issue to the next level. If Bank of America denies a deletion letter and the removal of the mentioned account, I will file suit and I am sure that once I talk to my attorneys, the list of violations will go up. This is causing me financial and mental issues. 

Thanks to whomever reads this complaint.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

I am trying to get credit from a bank and they can not get the Experian report without approval but they don't provide a phone or any way to establish that approval. The bank noted that this lock was on for a year and was supposed to expire last month, XXXX, 2021. I am not familiar with the lock feature but I believe it is the paid XXXX feature. But I am not a paid subscriber to Experian. I go onto my online account and there are no alerts and no freeze on my Experian account. I have been calling their various phone numbers and they all lead to a message system that directs you to the web site. When asking for an agent the system says there are no specialists available day after day over the last week. So I have a problem that can not be resolved online or over the automated system and there is no way to speak to a person to find out why they are not allowing the bank to get my credit report. Experian is interring with my ability to establish credit.
Consumer complaint received 2021-11-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent several letters to the credit bureaus for them to investigate the following accounts for accuracy and validity on the following dates below : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
Consumer complaint received 2021-11-23
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. (TX)

I am filing this complaint as my right under FCRA XXXX and fair credit and billings act have been violated for these XXXX accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. I am requesting all XXXX credit bureaus to provide full validation and what give them the right to collect on this account? I have made numerous attempts to resolve this issue by certified mail. There are numerous discrepancies on all XXXX bureaus as I see # of months for all three bureaus report to be different. I DO NOT RECOGNIZE. 
Please provide better explanation and proof so I can timely take care of. Additionally, I see this account as having a charge off so the balance is not accurate. As per FRCA law, all information must be accurate, no errors and verifiable. This is lacking in all three areas. 
Please direct the XXXX bureaus to conduct full investigation into this matter and not to use XXXX party vendors to purchase my information which I have opted out of. If they do, please provide the XXXX party vendors so I may contact them to see why they have violated the release of my personal information without my consent and especially when I have opted out.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Debt Not Owed - No Response even after 30 days of Direct Dispute letter to XXXX XXXX. 

XX/XX/XXXX - Sent a " Direct Dispute '' letter via certified mail to Columbia Debt Recovery LLC dba Genesis. Highlighted that debt validation contains debt from XX/XX/XXXX whereas lease end date was XX/XX/XXXX. Provided following evidence documents. 

XXXX. Signed lease document showing lease ending on XX/XX/XXXX. 
XXXX. Bank statement showing all dues paid through XX/XX/XXXX. 

Direct Dispute letter with evidence sent XX/XX/XXXX. 

No response as of XX/XX/XXXX. 

Past 30 days as legally required. 

Requires immediate action.
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tromberg, Morris & Parnters, PLLC (NY)

I XXXX XXXX entered into an agreement with XXXX XXXX XXXX. I do not know who Tromberg Morris Poulin PLLC is. I never spoke to them or have never done any business with them. I do not know how they have my personal information. Tromberg morris poulin PLLC is trying to deceptively coerce me into making a payment on a " debt '' I do not owe. I have been harrased by them now and in the past. I will be making further separate complaints about the past incidents with them as well.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

The Loancare loan servicer has repeatedly " removed '' my application, asked for me to reapply, assigned an alleged " point of contact '' who is unreachable ( XXXX XXXX of contact has only a XXXX number ( and as I write this I have been on hold with Loancare for XXXX XXXX minutes ) and Loancare is now asking for me to resubmit the application. This will be now be the XXXX time that I am applying, since the original application was unceremoniously " removed '' just before XX/XX/2021.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (IL)

Being they had my old #, I received response that we can not confirm your identity. They then explained I needed to upload documents. iTheir system would not upload my documents. So I responded to their message with an attachment of the docs requested. Mind you, this started 3 weeks ago and I just kept receiving computer generated messages telling me to upload the documents. They have no phone number for customer service. When asking for help? I get related articles to read. I did find out today that they have had my documents all this time.
Consumer complaint received 2021-11-23
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: ERC (CA)

I the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to XXXX XXXX XXXX XXXX XXXX PLEASE remove accounts from consumer report
Consumer complaint received 2021-11-23
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. We are now in the month of XX/XX/2021 but stil there is no response about the the letters i sent, dated last XXXX XXXX XXXX That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$0.00} XXXX {$14000.00}
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been divorced since XX/XX/XXXX. In the Divorce Decree, my ex-husband, XXXX XXXX XXXX, acquired The Bank of America XXXX ( and his attorney had me sign and notarize a Customer Removal Authorization. ) Unbeknownst to me, my XXXX retained and continued using a BOA XXXX credit card without removing my name. Unfortunately, my XXXX passed away XX/XX/XXXX. I had no idea he was using this card and that I was a " co-loan signer. '' In XX/XX/XXXX, I received a bill for {$880.00}, stating this bill was past-due. It was not an itemized bill, so I had no idea what that amount was for, but I knew those charges were NOT made by me. As a matter of fact, in the last XXXX years since my divorce, I never charged anything or received a statement from BOA. I don't have this credit card in my possession. Since receiving this XXXX statement, I have spoken to multiple BOA agents, including Customer Service, Collections, Fraud, XXXX XXXX, and Dispute employees and Supervisors to no avail. I received a second overdue statement XX/XX/XXXX, in the amount of {$910.00}. Still no itemizations. My credit score ( normally XXXX ) has plummeted. I also supplied relevant legal documents ( XXXX XXXX and XXXX XXXX ) to Bank of America.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I got injured and had XXXX XXXX and lost job, I was not able to pay bills, keep getting calls, so I changed phone number. come to find out XXXX XXXX reported to all 3 credit bureaus I was deceased. XXXX  didn't try to contact me to see if this was accurate instead just put it on my credit as dead
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: National Credit Systems,Inc. (TX)

I disputed National Credit Systems located at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX times and still did not receive any documentation requested, which is the original contract with my signature. According to the FCRA, if they could not deliver the information to confirm the account belongs to me then they should have removed this from my credit report.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (LA)

I bank with Wells Fargo and my card was charged {$2300.00} thats with cash apps and other frivolous charges .I then called Wellss Fargo they investigate it just to tell me that the card was used with my person identification number and denied my claim. when I explain to them that it wasnt me at all they caught a attitude and told me take it up with the merchants .I then explain that the card was stolen and its like they didnt care.I then explain to them that card was stolen again and anybody could have used my card with or without the pin again they didnt care
Consumer complaint received 2021-11-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MI)

I called Navient to ask for a XXXX Temporary Forbearance, just like I have for the last XXXX  months, and was told that I needed to meet a standard before this request could be granted. 

I then asked to be transferred the XXXX 's office and was denied. 

The last XXXX months all I had to do was ask for this relief without any questions being asked. This time I felt as though I needed to beg for this help and I was still denied being transferred to the office that I needed. 

Everyday items, like groceries and gas, have rising prices that are making it difficult to meet this obligation. 

Please have the XXXX 's office at Navient contact me either at my phone number, XXXX XXXX XXXX, or via e-mail : XXXX Thank you for your kind attention to my situation!
Consumer complaint received 2021-11-23
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. And as a result, false and inaccurate information were posted on my credit report... 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXXT - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-01-14
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: Exeter Finance, LLC. (SC)

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681section 604 a section 2 also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USCS 166b, a creditor may not treat a payment on a auto loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (GA)

In XXXX of 2021 I opened a Credit Karma spending and savings accounts ( with proceeds from a home sale ). Over the course of a month I deposited a total of XXXX into my savings account. On XXXX XXXX I withdrew XXXX ( earnest money for a new home ). When I tried to deposit additional money into Credit Karma on XXXX XXXX I was told my account was frozen. I emailed Credit Karma for assistance and was told my count was " under review ''. They requested a copy of my id and my bank statement. I sent my ID and expressed concern over sending my bank statement. Prior to doing so, I asked for an explanation as to why my acct was under review. I got no response. For the next XXXX weeks I called the only number I had for Credit Karma and was repeatedly told my account was under review ( no reason given ) and that the dept. that had the power to unlock it did not have a phone number and that I would have to wait for an email response. I got an email today ( XXXX XXXX ) stating my account is under a " risk review '' and it would be another XXXX business days for an update ( not resolution ). I need my money for a down payment on a house and having my money not accessible for a month seems unreasonable. The FDIC has agreed and suggested I reach out to CFPB. 

I have since read numerous complaints about the same thing on XXXX and social platforms. 

Credit Karma Case # XXXX
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

The problem specifically is with Chase Bank. 
I have rental management company and receive the tenants deposits into my bank escrow account every month ( this account is not in Chase Bank ). Some of my Landlords interacted me to deposit their rental proceeds into their checking account. Some of them have checking account in Chase Bank. 
Here it is the problem : During the las 3 o 4 months of 4 deposits that I monthly made into my Landlords ' accounts in Chase Bank, at least 1 deposit is put in hold. It's randomly, one time is this Landlord account, the next month is other Landlord account, etc. 
The amount of the checks are around +/- {$2000.00}. 
When you ask why the reason of the hold, the bank representative say that he/she does not know the reason. 
As a consequence of this actions I had ta ask to reversed the deposit on hold go to my bank and ask for a cashier 's check an d deposit again in Chase Bank. 

I deposit other checks in XXXX XXXX XXXX XXXX XXXX XXXXXXXX banks without problem. 

I just reported this situation because this is not normal. What it is certain is that when it happened to me the 1st and I decided to deposit the check and accept the hold the money was withdrew from my account the next day. However Chase bank was playing with the money for more than a week.