davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (NV)

On XX/XX/XXXX, I was contacted via phone, email, and text message by XXXX XXXX from Cedars Business Services ( XXXX, XXXX ) regarding a non-existent debt which Cedars claimed I owed to XXXX. 

No such debt ever existed. 

On approximately XX/XX/XXXX, I ordered two desks on XXXX totaling {$5500.00}. When the desks finally arrived, they were so badly damaged that I refused to accept delivery. XXXX issued a complete refund via XXXX on XX/XX/XXXX. 

I have provided Cedars Business Services the above information.
Consumer complaint received 2024-02-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I am working with a program from the state called XXXX on XX/XX/XXXX they submitted a payment on behalf of my account to Citizens which was under the reinstatement amount. Citizens were supposed to waive the Late charges and property assessment due to working with the program. Since then Citizens has sent the check back to me in which I reached out to the attorney 's office and they reached out to Citizens for an updated mortgage reinstatement the late charges haven't been removed and overall all citizens is not assisting me with my issues
Consumer complaint received 2022-11-07
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. (CT)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-11
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (IL)

have written this letter in the hopes you would be willing to make a goodwill adjustment on the reporting account. During the time period in which my bills became past due, my father becomes ill and I lost my job all within the same time period. He later died and I was grateful to have those last moments with him but between hospital visits and funeral expenses I simply could not sustain a way of life in order to pay my bills and all of my accounts suffered until this moment. If you review my account I paid extra and sometimes over the balance dues. I filed for bankruptcy in 2020 as a way to finally get a fresh start. 

I take full responsibility and am by no means trying to justify my actions or my financials tardiness. However, I was hoping you might review my records and the circumstances and consider removing the negative line from my credit. This negative line on my credit is preventing me from buying my first home and it would make a huge difference if you were able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report because of the circumstances in which the item occurred. I recognize that this request is unique and it may not be a normal business policy, however, it would make a huge difference in my life. 

Your kindness and consideration is appreciated in this matter
Consumer complaint received 2020-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith, Cohen & Rosenberg LLC (AZ)

On XX/XX/2020 SMITH, COHEN & ROSENBERG ( XXXX XXXX XXXX AZ ) reported on my credit that I owe a debt of {$3000.00} and placed it in collections. This is not my debt, I do not owe any debt, I have not used their services. This does not belong to me.I have disputed this through XXXX  4 times and the results are XXXX  investigated your dispute but did not change your information Also spoke with someone from Smith , Cohen & Rosenberg 2 months ago she said she is going to remove the account and never did.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (FL)

Wells fargo is an account i dont recognize as mine this is a mistake in my credit report ... .I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX has my money in a segregated account, as a financial planning feature ( known as a XXXX ). Balance in this XXXX cant be used by regular checking account activities. Because of a website failure, I cant move funds to the checking account segment to use them. I called Amex, and they claim theres no way to get me the money that the bank is holding in deposit for me. 

I called XXXX at about XXXX XX/XX/2023, on a call that lasted about 24 minutes. I first spoke to XXXX. She informed me there was no supervisor available and there was no way to get me my money.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. ()

Last month I had a check with my bank 's ( J P Morgan/Chase ) routing number ( common ) but with my bank ACCOUNT number for {$1000.00} cashed at a XXXX XXXX bank under another bank 's name, in another part of the state. I had to close my account, had a meeting at the bank, was refunded the check amount, and kept the same debit cards because the representative relayed it was not connected to either mine or my husband 's card. Today ( XX/XX/2020 ) I found yet another check was cashed on XX/XX/2020 with my account number on the bottom of a XXXX XXXX XXXX XXXX draft ( again in another part of the state-XXXX ), this time for {$620.00} on the newly assigned account ; to someone I don't know- written by someone I don't know. Once again the check was cashed at a XXXX XXXX XXXX ; which makes me wonder if it's an insider fraud. The minute the check is scanned, wouldn't that account & routing number show a different bank? Anyway, J P Morgan Chase was again notified of this> but now since it happened twice in 4-6 weeks, my retired husband and I have to have a full background check ( which is no bother ) to make sure we aren't the culprits. Why haven't these 2 events been immediately reported to the regulatory agencies and/or the FDIC?
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (IN)

I have tried now on several occasions to get security freezes placed on my credit reports, but to no avail. Moreover, due to my information being found on XXXX XXXX  sites and the fact my information was compromised in the XXXX  data breach, I am scared of identity theft. Therefore, I want all addresses removed except for my current address. Finally, I am requesting full validation of all accounts under the FCRA 15 U.S.C. 1681i, which states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed on my credit report within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2020-03-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

Previously disputed on XX/XX/XXXX. Verified XX/XX/XXXX. Method of verification requested on XX/XX/XXXX. As of XX/XX/XXXX I have not received.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (CA)

I purchased a card in early XXXX, the card was loaded with {$250.00} ... when I went to load the card I got an " oops '' message ... stating to contact the company... I contacted them and they refused to activate my card because I didn't have id.it is now XX/XX/XXXX the card was processed on the XXXX
Consumer complaint received 2020-08-12
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. (FL)

I received an email from the Chief Financial Officer of Florida, XXXX XXXX, that encouraged citizens to access their credit reports for free from the three main credit reporting agencies ... noting that there was a large problem with incorrect data contained in said credit reporting. I duly accessed my credit report from TransUnion and noted two different accounts that did not belong to me, one from The XXXX XXXX showing the original creditor as XXXX XXXX, the second from XXXX XXXX XXXX, with the original creditor as XXXX XXXX Kansas. I immediately followed the instructions on the TransUnion website to dispute the charges, stating I had never done business with either XXXX XXXX or XXXX XXXX. Approximately one month later, XX/XX/XXXX, I received an email from TransUnion advising of Investigation Results ... both accounts were noted as " Verified as Accurate and Updated ''. I then phoned TransUnion at the number listed in their email and spoke with a person who told me they couldn't do anything because the creditor had verified the charges. I explained again that I had never done business with either company and she told me I would have to provide written verification of this ... from the company that made the false credit report!!! Help! The TransUnion File Identification Number is XXXX
Consumer complaint received 2020-06-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CHECK INTO CASH INC. (KY)

Sadly, I was a long time customer of Check into Cash XXXX, KY. My final loan with them was started XX/XX/XXXX. When due the quarantine had started and I not left my home in more than a week. I needed to rewrite which meant paying off, getting a new loan, and then going to bank to deposit. I would pay them {$580.00} and they would give me back {$500.00}. I asked if I could pay the fee over the phone and they said no, they said in XXXX you can. A nearby town but in Indiana. So I asked can I pay them and you all transfer the funds and I was told I would have to have the district manager call me. The local office said I could come pay anything and they would hold the account. My husband was on his way home he stopped in the office with {$40.00} cash he had on hand and the rep said between our call and his arrival the dm had called back and it had to be at least half. And the DM was going to call me. He never called. My loan remained outstanding and I called the local office several times asking about DM phone call and she said he was supposed to call and she couldnt do anything had to speak to him. He never called. 


A few weeks later I called the office and said can you cash my check and just put an end to this and she said no, not allowed to cash checks. Previously she was doing that but she got in trouble and my check would not/could not be cashed. Soon it would turned over to collections and they would call me and I could make payments to them. I said great. 

About 2 weeks later I received a letter stating my account had been turned over to collections and I had 7 days to resolve it before further collection activity. The letter was date XX/XX/XXXX, my check cleared my bank account on XX/XX/XXXX. 

Not 7 days My check was cashed after being told it would not be cashed No DM ever called after numerous times of being told I needed to speak to him I call the XXXX number on the letter, they asked that I email them a copy of the letter showing that it happened in less than 7 days. Email them the letter they sent me. I did and they were escalating and someone was going to get back to me. It has been 1 month. Nothing so now I am trying this route. 

In addition one of the last times I was writing a check for a loan in the office the person in front of me had a due date 30 days out, my loans were always due in 2 weeks. Meaning in the payday loan trap I was paying XXXX 2x a month vs this person only once a month. I asked and they said they only get paid once a month. Seems like a fair and responsible banking issue that a person who has note pay dates is required to pay more.
Consumer complaint received 2020-09-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I worked for a company, XXXX XXXX XXXX XXXX, which is a S-Corp, FED ID # XXXX. I was issued an XXXX XXXX XXXX credit card. All of the company business credit cards clearly show that they were BUSINESS and not personal. In fact I was denied use on several occasions because the attempted use were clearly not business related uses. All the other XXXX employees of the company were issued and used the XXXX XXXX business cards as well. Occasionally I used my money from my personal bank accounts to pay back the company for my personal equipment purchases. The money was paid directly to XXXX XXXX per company policy. The XXXX went under and XXXX XXXX placed a notice on my personal credit file that I was personally delinquent and accountable for the business accounts! Prior to the delinquency notice nothing from XXXX had every appeared on my credit report ( Note! I once applied for an personal XXXX XXXX card years ago after working for XXXX  and I was denied! ) I notified the credit bureaus and they said I had to notify XXXX XXXX. I did so and XXXX XXXX responded that since I made some payments on the business account, that I was personally responsible for all the business credit card debt. It was a business account and never showed up on my credit report until it was delinquent. I never signed any agreements to be personally responsible for any of XXXX XXXX Inspections debt. I simply paid them for my equipment that they purchased for my use. XXXX XXXX seems to be making up actions that the credit bureau 's are just accepting and basically refusing to remove from my credit report. As a result my credit score has plummeted to below 600 for the first time in my life. There is no way that a company can hold someone responsible for another company 's debt simply because the individual paid a bill! Because of Covid and my finances having been hurt, I am unable to get a lawyer to address this matter. But I feel like XXXX XXXX is being given carte blanche access to my personal credit files with no personal permission or personal grounds to do so. Thank you for your time and anticipated cooperation in this matter.
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a credit card through Capital One in XX/XX/XXXX and received my first statement on XX/XX/XXXX. When I had applied I was given a promotional interest rate of 0 % interest for the first 12 months. I have received the 0 % interest rate on all of my statements up until XX/XX/XXXX. At the beginning of XX/XX/XXXX I paid off the balance of {$720.00} to XXXX out my statement because I knew that I was getting close to the end of the promotional period of 0 % for 12 months and did not want to be charged interest. On XX/XX/XXXX I checked my online account and noticed that I was charged {$12.00} interest for the previous statement that I had fully paid even though I still was within my promotional period. When I saw this I immediately called Capital One to find out what was going on. The first person I talked with was looking into the matter and put me on hold. After being on the call for 22min 32sec I was disconnected. I then called back about the matter and spent 1hr10min17 sec on the phone talking with a specialist and a account supervisor who told me that the 0 % interest rate ended after 9 months and not 12. I asked where she was seeing this information and she told me that it was just an assumption because she was not able to locate any of the original terms that was sent to me on my card. I asked if there was any way to get the documents because they should have it on file especially since they gave me the promotion, but in the end she still could not locate the email or mailed document all she could do was send me my current card terms. The Account specialist said that I should have received an email with all of these terms, but I have all of the emails saved since I got the card and can not find the email the account specialist was talking about.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (IN)

I have tried now on several occasions to get security freezes placed on my credit reports, but to no avail. Moreover, due to my information being found on XXXX XXXX sites and the fact my information was compromised in the XXXX  data breach, I am scared of identity theft. Therefore, I want all addresses removed except for my current address. Finally, I am requesting full validation of all accounts under the FCRA 15 U.S.C. 1681i, which states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed on my credit report within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify) (IN)

I have tried now on several occasions to get security freezes placed on my credit reports, but to no avail. Moreover, due to my information being found on XXXX XXXX  sites and the fact my information was compromised in the XXXX data breach, I am scared of identity theft. Therefore, I want all addresses removed except for my current address. Finally, I am requesting full validation of all accounts under the FCRA 15 U.S.C. 1681i, which states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed on my credit report within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IN)

Chase bank is slowing the Mortgage Payment process down from the date a payment is made through Their online payment process by generating a paper check from My account and mailing the paper check to a Chase mortgage loan processing center. This can take over 8 days to send and receive the check. This allows Chase to generate additional interest credit against the mortgage. In my case, the process of generating a check, mailing and crediting the mortgage is taking 4 or more days and costing me an additional {$27.00} or more per day in additional interest. Along with this, Chase is deducting the amount of My payment immediately at time of payment online and floating the money until the processing center clears the check. Double dipping on Customers money. 

The compounding effect of this scheme is in the Trillions of dollars when applied Nationally to all Their mortgage account holders. Me personally, I will incur up to {$18000.00} in additional interest against My mortgage payments alone base on the current method of debits, checks, mailing and credit to My mortgage. 

We all know how fast the electronic banking system works. Chase can easily change Their computer system to apply debits and credits instantly. But, Chase has apparently found a way to generated additional interest generating methods that look legitimate on the surface. This scheme is underhanded and taking advantage those that have not paid attention.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (WA)

XXXXXXXX XXXX XXXX XXXX acct # : XXXX account balance : {$2700.00} XXXX XXXX XXXX acct # : XXXX account balance : {$1900.00} 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. 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 a 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 2020-09-28
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. (GA)

i sent letters on XX/XX/2020, to XXXX and Experian disputing the inaccurate and incomplete items that they are reporting on my credit.I haven't receive anything from them as of yet and I have attached copies of the letters below.