davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I made a cash deposit to a Chase ATM on XX/XX/21 of {$1400.00} The machine errored out and ate my deposit. I was able to get {$300.00} out of the machine. 
I called Chase as soon as it happed and they said there claims department was closed. I called the next morning the said the would process the info and issue a credit to the account with 13 hours or 1-2 bus. days. It is now the XXXX bus. day. I called and was informed that there was no money in the machine and it would take 10 days for them to investigate the issue. 
I gave them the machine number ( XXXX ) and the Sequence number ( XXXX XXXX and the address of the Chase ATM ( XXXX XXXX XXXX XXXX, XXXX AZ._ along with the error code on the machine ( XXXX ). 
I told them I was able to get out XXXX for a total of {$1100.00} That I was do back. 
On Thursday, XX/XX/21 called and asked to speak with a sup. They told me that it would be an additional 10- days because they were investigating. 
I have bills to pay and no additional time to wait. This is on Chase not me.
Consumer complaint received 2023-05-17
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-01-01
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Global Credit Union (WA)

Alaska USA Federal CU ( Bank XXXX XXXX XXXX XXXX XXXX ( Customer ) We wish to report a {$60000.00} loss as a result of a banks lack of security, fraud and negligence. More likely Gross negligence as it was reported to the bank while the fraud was in progress, they had three days to stop the fraud and didnt. 

On XX/XX/XXXX our bank account was fraudulently hacked in the amount of {$60000.00} dollars. An ACH was initiated on that date in the amount of {$60000.00} and was scheduled to go out three days later on XX/XX/XXXX. We notified Alaska Federal officials ( fraud dept, dispute dept and loan dept, etc. ) on that day XX/XX/XXXX, with both multiple phone calls and in writing of this fraud. An email was sent from the bank the same day confirming the above and our notification. 
Regrettably it went from bad to worse. The bank could have and should have intercepted this fraudulent transaction immediately on XX/XX/XXXX, or on XX/XX/XXXX, or XX/XX/XXXX or in the morning of XX/XX/XXXX, before the transaction was consummated. NACHA Rules, Section 2.9 Summary The Originator must make a reasonable attempt to notify the Receiver of the Reversing Entry and the reason for the Reversing Entry no later than the Settlement Date of the Reversing Entry. 

Date - XX/XX/2022 Amount - {$60000.00} Multiple phone call, emails, letters to multiple Alaska USA Federal CU bank officers
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

Debt was paid off in XX/XX/2021. I called midland funding in XX/XX/2021 and they told me it would be deleted the following month. They have been reporting to my credit report that I still owe the balance in XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have disputed the account and they are still saying I owe the balance. Midland Funding, LLC. Is falsely reporting to the credit bureaus.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute XXXX  and/or XXXX  items listed on XXXX XXXX report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached XXXX  and XXXX  for referenced issues from above.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (VA)

I am unable to request my annual credit reports from Experian and XXXX ( XXXX  works fine. ) Experian wants me to mail a request form which is a hassle but reasonably acceptable. 

XXXX wants me to mail a request form with an absurd quantity of personal information ( see below ) which would leave me open to identity theft should that mail be misdirected. 
********************************************** Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address.

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills )
Consumer complaint received 2021-06-17
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: Experian Information Solutions Inc. (NC)

I have sent investigation and dispute letters on the following dates : XX/XX/XXXX, and XX/XX/XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Consumer complaint received 2021-06-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Took a {$40000.00} second mortgage out to consoldate bills in XXXX. It was AN ACTUARY loan at 10.5 %. I faithfully paid {$430.00} everymonth two months shy of 15 Years. I rteceived written notification that may laon would mature on XXXX and I had an outstanding balance of {$39000.00} How could that be possible? I have paid almost {$77000.00} on a {$40000.00} loan. I looked as the Mortage Servicing Site and saw they raised the initial loan amount to {$47000.00}, which is false. They only applied my payments to the interest only and didn't credit the principal. I believe that this loan should only have a {$7000.00} balloon payment and was aware of that when we signed it. When I called to talk to someone they said they do not take phonr calls and only do it over the computer and it would take 30 days and then they would ask for 14 more days if they couldn't settle the matter. This loan originated with XXXX XXXX and was taken over by GreenTree and then XXXX XXXX and we can see how much trouble they got into. in XXXX they just sent me a loan modificatrion contract, which I did not ask for and held up my payments until a government agency intervened and they sent me an appology letter and corrected my " late '' payments. Obviously they want me to keep paying this loan, because the customer service person said that if they find I do own the {$39000.00} they have financing options! I more then paid for it, with the {$7000.00} balloon payment always at the end. They miss appropriated my monthly payments and put it towards interest instead of toward the principal. Can you please help me of direct me to the agency that handles FRAUDULENT Mortgages? 
The Servicing Company is XXXX now, but I thinkl XXXX XXXX started the fraud.
Consumer complaint received 2024-04-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I noticed my report had improper information reporting from midland credit, I filed suit for the reporting on my report this debt was not mine and per lawful settlement agreement. Agreed to deletion this was months ago and it is still reporting. Please see attached agreement. These accounts must be deleted off my report immediately.
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MI)

I lost my debit card Thursday night. That following Friday I received a call from pnc telling me that there was some suspicious activity on my account. I realized that I longer had my debit card during the conversation and the representative closed my card and said that I had to come into a branch to dispute the charges. I visited a branch and disputed the charges. I do not know how to dispute was filed, I never stated that I authorized someone to use my debit card. I did not give anyone my debit card, nor give them consent to use it. It was lost on Thirsty  Thursday. This is a really big inconvenience for me especially due to the COVID-19 outbreak. My family will have to be in quarantine and I need all access to my funds. If this is not quickly resolved I will not hesitate to escalate this issue even further. Thanks in advance
Consumer complaint received 2022-12-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX XXXX is a liar and should be placed on administrative leave pending an investigation. She fails to follow through and continues to deceive myself and the State of California. California sent the funds to reinstate the loan on XXXX XXXX2022. XXXX sorry but, you have several complaints about you and you can not legally investigate yourself. California has asked me to find out the reason why you havent applied the funds within a timely manner. The Attorney General is aware of the issues and legal issues XXXX has now created for LoanCare. California is now asking me to go after your NLMS license and continue until you apply the funds to my loan. I need your superior to follow up. Your lies and deception are not appropriate and should be dealt with immediately. XXXX shouldnt be an employee of LoanCare at this point in time. She fails to notify the company of the issues she is creating for the company and the investor. Her demands are irrational and illegal. He actions have caused me and my family to discuss legal action against LoanCare. The Veterans Affairs is aware that as a servicer of VA loans LoanCare is acting illegally and should be held accountable. This includes losing the option to invest in California home loans and loss of guarantee of all VA loans. Apply the funds and reinstate the loan immediately.
Consumer complaint received 2020-03-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Please refer to attached letter that outlines our efforts to refinance with Wells Fargo. 
We were led to believe that our loan would be refinanced through regular lender department but we are now being directed to the Hardship Program
Consumer complaint received 2020-03-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (TN)

I first contacted Speedy cash in XX/XX/2019 to stop ACH payments. They took a payment.out 3 days later I contacted them a 2nd time and they said the email didn't come from the email on file although a read report said they opened it. This time I sent it again from the correct email address. They again took took money. I called and stayed on the line till they confirmed they got it. They took money yet again in XXXX. They said they would refund the payment from XXXX to my bank account. After a week with no refund I contacted them once again. They said I would have to pick it up in the store. I was out of town for two months. When I returned from my business trip I went into the store where I took the loan. Speedy Cash called the store to issue my refund but the store refused saying they had to contact the district manager. I want the loan voided and all payments returned for my trouble. They over drafted my accountant multiple times and left me with out money for food. The store that I took the loan from was Speedy Cash on XXXX XXXX in XXXX Tennessee
Consumer complaint received 2020-03-17
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. (GA)

In a recent self credit check I got surprise when I saw a number of accounts that don't belong to me, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. 
further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have been dealing with this issue for far too long. I have a rent debt that is still being reported on my Experian Rentbureau report that should not be there. I have already taken the steps to have this removed. I even contacted Experian rentbureau and they claimed that it would be removed. This rent debt does not belong to me and i have already proved it that I was a victim of identity theft. The debt collector has agreed to remove it from my credit reports. Experian is still reporting it. I want it removed ASAP.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2022 {$830.00} CALLED CREDITOR CAPITAL ONE AND NOTIFIED ABOUT FRAUDULENT TRANSACTIONS AND UNKNOWLEDGEABLE DEBT NOT LIABLE TO ME, FILED DISPUTE WITH CREDIT BUREAUS TO NO AVAIL
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

I had to leave my employment due to an injury. So obviously I started getting behind in payments. My loan company has been XXXX  with me and particularly the specific person assigned to my case. He ignores calls, doesn't return messages, ignores emails, and is very rude an unhelpful. He sends me documents through email in a security portal that he has locked me out of. But continues to send them there. I think they are messing with me to cause a foreclosure or something. I tried to talk to another person in the office and he was so mean I was shocked. They offer me solutions but then ignore me so I can't get one going. I have looked up this company and they have terrible reviews. They bought my loan a few years ago so I had not choice to deal with them. I think they are just buying time so they can foreclose on my house. This has been going on for months. I am getting really scared. Is there anything that can be done? These people are horrible. They are going to keep XXXX  with me.
Consumer complaint received 2020-03-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NV)

I have had issues with Sallie Mae since I was in school. Disbursements wouldnt come out in time etc. Since graduating, I now owe more than what I originally signed up for. Sallie Mae does not disclose certain stipulations with their payment arrangements and it is negatively affecting my credit. Most recently, I noticed a payment of {$480.00} did not come out of my bank. I DID have the funds available in my bank. So I gave it a couple business days and I called XX/XX/2020 to arrange my payment. The representative said the issue was that there was no payment information online. But I told the representative that the last person I spoke with already gathered that information. She told me that was not true. So she took my payment with my bank card and asked me for my checking and routing number for future payments. The money is taken from my account, but to my surprise, I am getting spam calls and emails saying I am delinquent for {$1800.00}. I tried to speak with ANOTHER representative again to be basically called a liar. He also blamed me for this happening due to the fact that the {$480.00} was not taken out. The payment wouldve been successful if Sallie Maes representatives were truthful. He would not stop speaking over me and eventually he ended the call. This is not right. Sallie Mae is scamming me and it keeps on happening. I dont know what to do and I am seeking out a lawyer now.
Consumer complaint received 2020-03-18
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)

Improper use of your report ( shared without consent, credit inquiries from unknown sources ) TransUnion XXXX  XXXX XXXX ( Original Creditor : CITY OF XXXX FL ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXX XXXX ) BALANCE : {$150.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1600.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX XXXX BALANCE : {$130.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX XXXX BALANCE : {$920.00} STATUS : DEROGATORY ACCOUNT # XXXX**** XXXX XXXX XXXX BALANCE : {$0.00} STATUS : PAID ACCOUNT # XXXX** TransUnion XXXX  XXXX XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT XXXX XXXX** TransUnion XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX**** XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX**** TransUnion XXXX  XXXX  XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX**** Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX XXXX XXXX XXXX Finance Reseller XX/XX/2018 TransUnion XXXX XXXX Finance/Personal XX/XX/2018 XXXX XXXX XXXX - XX/XX/2018 XXXX XXXX XXXX XXXX  Bank Credit Cards XX/XX/2018 TransUnion XXXX XXXX Bank  XX/XX/2018
Consumer complaint received 2020-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (GA)

On XX/XX/2020 I traded my vehicle and the dealership over paid credit acceptance by {$630.00} and they also owe me for {$1500.00} for gap insurance and {$1400.00} for my warranty. We have contacted them several times and they refuse to give us back our money. Straight out said they were keeping it and will not explain why. They said they would give us {$7.00}. This is fraudulent and I want my money back. 

They lied about the amount on the check they received from XXXX XXXX XXXX sales for the pay off. XXXX XXXX sent a check for {$15000.00} and Credit Acceptance admitted the pay off was {$14000.00}. They put it on the account like they didnt get the overpayment of {$630.00} put there is a paper trail at the dealership that says different. Also they admit they owe for gap insurance refund and refuse to give it back.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2020-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I have had multiple problems with XXXX XXXX and Rash Curtis and Associates reporting collection accounts to my credit report for unpaid doctor bills. These bills have been paid per union contract and my HRA account in full. I have had a credit lawyer help me in the past to dispute such items. This has affected my credit score to be " fair '' instead of " good '' credit. I have excellent insurance coverage from my job and have had such for 30 years. The past 8 years I have had these issues with these bills I no longer owe, and have been paid in full. The most recent false report from Rash Curtis and Associates was opened on XX/XX/2016. When I call my benefits about these bills, their copies of these statements claim they are paid in full. This is a nightmare and I need help.