davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NC)

hi, I have made a wire transfer from chase bank on XX/XX/XXXX, which as per chase scheduled to be delivered on XX/XX/XXXX. However it never went through on XX/XX/XXXX. So I called chase customer care XXXX multiple time and was on call for more then 8-10 hours. But everyone was transferring me from one dept to another department. They direct me to Fraud department, wire research etc and everyone was telling me different reason for holding the wire. Incorrect information, In -internal review, in foreign exchange review etc. 
And I see email requesting for more information on XX/XX/XXXX asking XXXX address and name. I provided that in secure email of internet-banking site on XX/XX/XXXX. But again today they keep asking same piece of information. But no one called me. it all happened between XX/XX/XXXX till XX/XX/XXXX. 
In mean time they also say contact to branch it is faster way of escalation. So I contacted branch on XX/XX/XXXX. Branch manger XXXX was very hostile on helping me out. He think, I don't have any relationship with branch. He should not be pulled in between. After asking him multiple times for resolution. He suggested to cancel the wire. After cancelling chase refused to refund me the wire fee also, which they never did. 

Moreover the behavior and mental torchers, I have been in these day also the financial impact, I have faced due to this transfer they are refusing to compensate me on top of it the are charging the wire fees they never did for me.. I feel like this is an fraud activity and lack of responsibility and accountability from bank. 

I want to report to correct the behavior of bank and return my wire fees of {$25.00} and compensate me on the lack of due diligence on bank side. 

Below is wire details XX/XX/XXXX Submitted XXXX XXXX XXXX XXXX Wire to XXXX XXXX XXXX ( ... XXXX ) Wire from XXXX XXXX ( ... XXXX ) Amount {$3400.00} USD ( U.S. Dollar ) Wire fee {$25.00} USD ( U.S. Dollar ) Total {$3400.00} USD ( U.S. Dollar ) Wire date XX/XX/XXXX Status Submitted Status date XX/XX/XXXX Reference number Not applicable Transaction number XXXX Message to recipient XXXX XXXX XXXX XXXX XXXX NC XXXX Message to recipient bank XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2021-01-14
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 Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-14
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)

The following accounts are fraudulent. Please delete them XXXX XXXX XXXX / XXXX XXXX XXXX XXXX {$1000.00} XXXX / XXXX XXXX XXXX XXXX {$3500.00} act : XXXX XXXX / XXXX XXXX XXXX XXXX {$180.00} act : XXXX
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: VELO LAW OFFICE (MI)

Velo Law is currently garnishing wages. I've sent communication to them, starting back in XX/XX/2020 to the address below but no information was given regarding this debt. How is this so? How can you garnish a wage, regarding a fraudulent debt and not provide any information? This debt appears fraudulent and now they're garnishing my wages without communicating regarding the debt. I would like this to cease immediately. 

Velo Law XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2021-01-14
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (RI)

The taxes on my property were not paid by the mortgage company for several quarters beginning in XX/XX/ 2020, as a result, my account became delinquent and penalties were added. I contact the mortgage company Lakeview Loan Servicing, and spoke to Ms. XXXX and was directed to email her at XXXX. Afterwards I was directed to contact XXXX and start a complaint process. Over the course of the next 8 months I contacted thirdparty on numerous occasions and never heard back. In XX/XX/2020 I refinanced the property, at which time I explained the issue to my closing attorney. He sent out a certified letter requesting a response from the company, at which time they did not respond to his request. I pay my mortgage on time every time, and have never been past due. I don't understand why my taxes weren't paid and allowed them to be delinquent. In addition, their lack of professionalism has left me with no other choice but to file a formal complaint.
Consumer complaint received 2023-06-29
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. (NC)

XXXX  account has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 2 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 it also states a consumer reporting instructions
Consumer complaint received 2023-06-29
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. (AL)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 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.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

US DEPT ED XXXX Balance Owed : {$5500.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$9200.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$4500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

US DEPT ED XXXX Balance Owed : {$4200.00} - Balance and payment history is Incorrect please remove immediately. 

US DEPT ED XXXX Balance Owed : {$9700.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$5400.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$1200.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Consumer complaint received 2021-01-14
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: TD BANK US HOLDING COMPANY (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX  XXXX, XXXX, TD RETAIL CARD SERVICE add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX 
On XXXX  XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

This company hasnt provided accurate information to substantiate their claims or provide their authorization of law to collect upon said debt. Also they're falsely updating information onto my credit report. After reaching out to the company they refused to correct the inaccurate reporting of different Date Last Active and Date Opened information on my credit report.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (TX)

Spoke with a manager by the name of XXXX XXXX, of Carter and Young Inc. I requested verification of signed rental agreement for I am unaware of the debt. He sent me a contract via email that has no initials and signatures, XX/XX/2018. Upon request, this documentation can be provided in its entirety. But, I did attach a page that has no signatures. In addition, he could not verify my personal information or contact information- phone number/mailing address.
Consumer complaint received 2023-06-28
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. (TX)

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. 

The letters are stated with items and issues.

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 2021-01-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

LakeView/LoanCare is servicing my current VA loan ( Loan No. XXXX ). I initiated a " streamline '' refi with Lakeview in XXXX XXXX. Completed required documentation and waited. After six weeks I contacted the person I first talked to ( XXXX XXXX ), who I assumed was handling the refi, he just referred me to another person ( XXXX XXXX ) as if he had no further involvement and didn't care. The person he referred me to assured me that the " final docs were expected that day '' ( XX/XX/XXXX ) and the anticipated closing date was XX/XX/XXXX. When that date past without word, I contacted XXXX XXXX again. He then informed me that he was waiting for XXXX to pay the XXXX XXXX property taxes and suggested I contact them to request they pay the taxes. I was stunned that this was coming up now. I managed to finally get XXXX on the phone, they informed me that LakeView had initiated a " netted payoff '' so the could/would not pay the property taxes with the " netted payoff ' in progress! This was my first indication that my XXXX taxes hadn't been paid, when I checked with XXXX County I discovered that I now owed not only overdue property taxes, but an additional penalty of {$390.00}. I've contacted, or attempted to contact Lakeview and XXXX numerous times. It's nearly impossible to get anyone on the phone, but even when I have, they just point fingers at each other! 
I don't feel it's my responsibility to pay this {$390.00} penalty. But after numerous attempts, phone calls and emails, all gone unanswered, I am still waiting for someone to help resolve this issue. My XX/XX/XXXX property taxes remain unpaid, and XX/XX/XXXX payment will soon be due! I find it totally unacceptable that they will not pay the taxes, and fail to respond to my many attempts to get them paid! 
My refinance? I have no idea where it stands!!! No one will contact me!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, 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 XXXX 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 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am receiving inaccurate and inconsistent reports from creditor Department of educationXXXX XXXX XXXX I filed a hardship status for my student loans and begin to receive government assistance on all XXXX loans, these was loans was taken over by XXXX Dept of Ed . few years ago, I start noticing late payments on my credit report for student loans, after contacting XXXX I was told that department was closed down and my file was sent to another department that's handling student loans. In the process of my file being transferred to another department my credit report start getting derogatory remarks, then it went back to accurate and has maintained that status since XXXX. 

Department of edXXXX XXXX has blatantly violating my rights to fair consumer protection Act, ( FCRA ), 15 U.S.C . 1681 et seq., by reporting differently to the three credit bureaus with inaccurate and inconsistent information pertaining to these student loans accounts. 

Acct # XXXX shows 120 day late on Experian, 90 days late on XXXX and 90 days late on XXXX, on all XXXX loans that's listed with same account numbers.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX I went to the bank & while I was there I dropped my debit card. Since the bank is not too far from my house when I returned the debit card was still there. Two days later I receive a notice that my banking account would be close and I am not in the negatives XXXX. This is not the first time Wells Fargo has allowed a customer to be scammed. The Wells Fargo system allowed a faulty check to be deposited in my account. They sent me no notification on fraud or even put a hold on the check as any bank would do. They allowed a faulty check to be in my account & they refuse to reimburse me for the money taken out of my account that i did not USE. I believe the men in the back of me in the line for the atm used my card. Wells Fargo does not protect their customers at all.
Consumer complaint received 2021-01-15
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. (FL)

I wanted to bring something to the attention of this bureau regarding the three credit agencies. On a side note, when you speak to someone on the phone is completely useless. They are often rude and uninformed on the rules that govern their industry. Now to the matter at hand, I have provided three images below, one reads credit usage which shows at 6 %. I have been paying down debt in the last few months and my score went up rather nicely. A few weeks ago I began paying a card that I was sending minimum payments. I noticed something curious. Because I paid 60 % of what I owed on the card. Which puts the card at 41 % my credit dropped 25 points. Now, as long as I was sending minimum payments it was not an issue. So am I to understand that despite 97 % of my cards having XXXX balance, the credit bureaus calculate the score per card when it suits them or take into account all your cards when you carry debt. In essence, wanting you to be in debt all the time. Because from what I notice if I had not made a large payment to that one card it would not have triggered a recalculation. I also provided images of the subsequent drop of 58 points because of the credit card balance. Which has been paid off already by the way.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX Balance $ XXXX This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance {$6000.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX  XXXX XXXX XXXX Balance $ XXXX You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXXXXXX Balance $ XXXX Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.