davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
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. (CO)

XXXX ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff, as well as ( 120 ) days  late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-12-28
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. (FL)

After sending several dispute letters to Equifax they will not do an investigation on fraudulent inquiries on my account. I have sent 3 letters and 3 phone calls.
Consumer complaint received 2019-12-28
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. (FL)

The Address on documentation is a fraudulent address it is not and has not ever been my address XXXX XXXX XXXX XXXX XXXX Kentucky XXXX Also the signature on documents is clearly not my signature.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MA)

I had a chase total checking account from XXXX to XXXX. I have struggled with maintaining a positive balance since my accounts initiation. I incurred many over draft fees because Chase allowed me to overdraft up to $ XXXX despite almost never maintaining a positive balance. 

Over the course of three years, I amassed over {$11000.00} in overdraft fees. Yes, {$11000.00}. Chase forgave about {$1700.00} and refused to help me further ( I made many attempts to recover the fees via direct virtual message, but time and time again I was told Im not getting anything else back ). 

Including refunds Ive been given, I have paid chase bank in total {$9800.00}. I am unemployed, collecting {$400.00} XXXX per month, do not have ANY assets, ANY savings, ANY resources, I collect food stamps, and my current balance is about {$600.00}. I am among the POOREST of all chase clients, yet I paid {$9800.00} in overdraft fees, and they are REFUSING to refund me. 

My complaint is NOT a legal one. It is a moral, ethical, human complaint. I want the CEO of Chase to know my personal situation. I want him to reach into HIS pockets and refund me, because its people like ME ( the victims of corporations like Chase bank ) that fund the millionaires who refuse to give me MY MONEY back. Its not their money its MINE. 

I have nothing, and need my money back now! I have {$600.00} in the bank total and {$13000.00} in credit card debt. My credit score is XXXX. Im XXXX and live with my mother. I dont drive. I cant work right now. My home life is toxic but Im TRAPPED because of financial issues like this one. 

I went to two Chase bank branches today and was told theres nothing we can do. XXXX!!! There is DEFINITELY something they can do, give me my {$9800.00} back! I will not rest until I am refunded. I will make this as public as I need to. 

Please note chase banks overdraft policy has since CHANGED and if the same Account would have the same transactions today, it Would not be charged any fees according to their current policies and procedures. The policies and procedures which caused me to lose this money are now obsolete! Why cant I get my money back? 

THIS IS MY PERSONAL MISSION AND I WILL NOT REST UNTIL CHASE PAYS ME BACK.
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (LA)

I am finishing up a XXXX XXXX reorganization. My bankruptcy was discharged on XX/XX/2020. Leading up to the final months I contacted my mortgage company, mr. Cooper, to make sure all payments were current. I have had issues in the past with mr. Cooper misapplying funds IE applying monthly mortgage payments to principal or Escrow, excetera. As has become their Norm, about every 18 months I'll get a letter from Mr Cooper or their attorney saying that I owe between XXXX and {$5000.00}. This morning I received a phone call from mr. Cooper asked me if I would be interested in a forbearance. I did not understand why they were calling me as I am current on my payments. I called to check last month again prior to my bankruptcy being discharged I have the names of the people I spoke with the amount that they told me to pay. This morning a lady and loss mitigation Department informs me that my house is in foreclosure. However they can not give me a total amount that I owe or when my house will be sold. I have spoken to representatives in three different departments at Nationstar/mr. Cooper as well as speaking with their attorney, XXXX XXXX. All to no avail. I don't know where else to turn to for help. My monthly statement for this month shows that I owe my regular monthly payment. In fact it actually shows that I have an unapplied balance. I'm hoping someone can help me navigate this and figure this out
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (DC)

On XX/XX/19 I noticed that I had an email from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX ) telling me that I was scheduled to see cars at a car dealership in XXXX on XX/XX/19 using an old address of mine. I do not currently live in XXXX, GA nor have I lived there for the last 3 years so I was suspicious that this was fraudulent behavior. I replied to the car dealership immediately informing them that I had not requested any information from them and that no credit inquiries should be processed. On XX/XX/19 I noticed at least one fraudulent credit inquiry on my credit report. I proceeded to place a fraud alert with XXXX, XXXX and XXXX  on XX/XX/19. Later when I was able to access a computer I submitted a formal identity theft report to XXXX disputing the credit inquiry that came from : CREDCO XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I am submitting this as a formal complaint against Credco, as well as against XXXX XXXX and XXXX for improperly verifying my identity when the fraudulent report was requested.
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC (MI)

I the consumer and natural purse on was denied credit by XXXX XXXX XXXX XXXX and American Credit Acceptance LLC when I applied for a XXXX XXXX XXXX XXXX. I would like to address the Adverse Action against a consumer is against the LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C 1961k. They are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Credit Acceptance LLC due to the response I received. 

Both XXXX XXXX XXXX XXXX and American Credit Acceptance is in violation of 15 U.S Code 1642, U.S.C 681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. Further more because I extended my ssn and received no benefits and Wrongly denied credit.
Consumer complaint received 2019-12-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CO)

I sent Midland Credit Management a letter on XX/XX/2019 requesting that they cease all communication except to call my personal cell, XXXX. They repeatedly call my GOVERNMENT ISSUED CELL at XXXX and have disregarded my written request. I would like to report them for violating the policies of debt collection.
Consumer complaint received 2019-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trojan Professional Services, Inc. (PA)

I am lodging a formal complaint against Trojan professional. This debt collector has reported derogatory information on my 2 credit reports. XXXX and XXXX for a debt in the amount of {$110.00}. I have never received anything from Trojan in the mail or by phone. I never received a dunning notice which gives me 30 days to dispute validity. That's a violation of the fdcpa/fcra. In addition I have sent Trojan numerous debt validation requests,. And they ignore me. I do not owe Trojan {$110.00} and I am requesting Trojan to delete this account from my credit reports. I am in the process of purchasing my very first home for my family and I. This errounous account is holding me back. Thank you for your time!
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

submitted a dispute with XXXX in XX/XX/XXXX, nothing has been resolved.. error continues to show in my credit report ... the error is : XXXX XXXX XXXX XXXX/XXXX XXXXXXXX XXXX  XXXX XXXX tx, XXXX amount {$740.00} that account was included in bankruptcy filing case : XXXX discharge date XX/XX/XXXX please help me correct the record thank you
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (IL)

This is the several time I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is the several time I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (SD)

A collections account showed up for overdue XXXX bill once before. It was removed after explaining I have never had XXXX service and have never even lived in an area where I could get XXXX service. Now either the same or possibly different collections account for a XXXX service is showing on my credit report and score again. I will repeat that I have never signed up for XXXX service. My personal information has been leaked several different times including by the VA. My guess is that someone used my personal information to sign up for this service, also known as identity theft. Please remove this account from my credit report and also let the collection company know that they will not be able to collect on this fraudulent account. I would also ask that they do not resell the collections account so that I don't have to go through this a third time for the same fraudulent account.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

submitted a dispute with transunion in XX/XX/XXXX, nothing has been resolved.. error continues to show in my credit report ... the error is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX tx, XXXX amount {$740.00} that account was included in bankruptcy filing case : XXXX discharge date XX/XX/XXXX please help me correct the record thank you
Consumer complaint received 2020-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This is my 3rd complaint filed against. Bank Of America. I am simply asking for fairness and the removal of the explanation of paid after charge off! Both precious complaints explain and prove that I was a victim of fraud and that BOA agreed to my a payment plan and promised to report as paid ( due to the circumstances ) but then instead of reporting as paid they left the negative mark in my credit! The first complaint was filed by an outside party trying to help me and was closed after BOA said they werent sure it was actually me : though it included police reports as proof of what happened. The second complaint was filed in XXXX and is STILL open. Not only am I disappointed in BOA, I am crushed that during these difficult times small business owners like myself can not get simple fairness. Those of us who work hard and have a track record of paying our bills should be given the benefit of the doubt when something like fraud happens! The number of my open complaint with all details is XXXX I would appreciate a swift removal of this negative mark on all of my credit bureau scores so that I can move forward! 

Thank you.
Consumer complaint received 2019-12-28
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bridgecrest Acceptance Corporation (VA)

They keep calling telling us we need to make a payment, and we keep telling them, we can't till be get our Social Security, then they call again. Today alone the have called all out phone 7 times before noon.
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IL)

I've been a Chase Bank Customer for nearly 20 years I'm coming back to America at the end of XXXX after living abroad in the XXXX  and tried to open up a Chase credit  card yesterday after spending several hours with the credit card team prior as there was technical issue applying. 

After hours of international calls, I applied yesterday for the Chase Freedom Card and received a digital letter today stating it was declined despite having a spotless account with Chase for nearly 20 years, previous Chase Credit Cards and an excellent credit score. The decision letter I received as generalised, unhelpful, and inaccurate but listed an excellent credit score. I called to discuss the decision, only to be passed around endlessly and told conflicting information about whether I could actually contact the team in charge of the decision. After hours on the phone, I'm no closer to understanding what happened.

I was transferred over 10 times, had to explain the issue several times and given  incorrect information by staff on multiple occasions. Several times I was asked for the credit card long number for the account that had been declined. Clearly, there was no number as the account was declined. This was indicative of the overall lack of understanding all staff members seemed to have. I asked to make a formal complaint, only to be told I was unable to make a true complaint that would be escalated and investigated but only rather give feedback that would be used internally. I would suspect banks are legally obliged to have a complaints procedure as XXXX banks are subject to this. However, both the phone customer service team and the XXXX  team told me there is no complaints procedure, only internal feedback. 

It is impossible to discuss the application with anyone, appeal, or make a complaint. I'm keen to understand the issue but have no means of doing so and am unable to escalate this with Chase Bank.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

On XX/XX/2019 I attempted to log into my account with Equifax to temporarily unfreeze my account because leasing a new car the next day. Unsuccessful! ( on first attempt to log in message " locked out because too many attempts '' ) After numerous tries with different telephone numbers finally reached a live person and told " system under maintenance ''. 
On XX/XX/XXXX, at the car dealer again after several attempts with different telephone numbers I was advised : " system under maintenance ''. Faxed the requested information to Equfax to unfreeze account - no response. Could not complete the transaction. That night finally reached a live person ( not an easy process ) and had a temporary lift of the freeze to complete lease process. 
Tried again to access my account on line to avoid problems in the future - unsuccessful. Numerous tries to talk with someone led to a repeat " system under maintenance ''. 
On XX/XX/XXXX, again tried to access on line without success. Spoke to a live person ( supervisor ) and told " system under maintenance ''. 
Through this entire saga attempted the usual fixes : cleared history, changed PW, used different browser. All unsuccessful. 
At no time during my live telephone calls was I asked for the pin number issued when first froze account.
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I paid the annual ( XXXX $ ) fee to American Express to link both my corporate card and personal card to receive membership rewards points. YTD I have not received any points associated with my Corporate Card although i have made all payments in a timely manner. I launched an investigation on XX/XX/XXXX with American Express after chatting with an online representative who confirmed they could not see any points related to my corporate card purchases in my online portal. Today, XX/XX/XXXX, I called AMEX to follow up on my dispute, I have been on the phone for 50 minutes and been transferred to 4 different people in the process. My issue is still outstanding and I would like to file a complaint. YTD I have spent 30k+ on my corporate card and am owed the points associated with these purchases.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (TX)

I was not receiving my credit card statements via email. I rarely use this card and typically pay for the charges same day. I sent email screenshots showing I didnt receive statements and also my statements showing every time I use my card there is a late fee. This is due to me not getting the statements. They finally called me in XXXX, I paid the balance and asked them to remove some of the fees. They did, but refused to remove the late fee from my credit. I have been with them over 10 years and never once late. During a national pandemic where some people can not pay their bill Comenity bank aka Children 's Place put a late payment on my credit report. However I am certain they will not do that for the people who can not pay.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

The Fifth Third mobile banking app does not always show customers an accurate amount of available funds in their accounts after purchases and this causes customers to overdraft their accounts when they make more purchases or transfer funds between their accounts. 

I made an online purchase using one of my checking accounts and then transferred the remaining funds in that account to my credit card account but my checking account became overdrafted because the Fifth Third mobile banking app did not show me an accurate amount of funds available after my purchase. 

The Fifth Third mobile banking app is absolutely terrible and every other day or two customers are unable to login because of technical issues. Fifth Third bank needs to be ordered to shut down their mobile banking app completely and give customers back the money they was unfairly charged in overdraft fees because of banking errors.