davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/24 around XXXX I, XXXX XXXX XXXX deposited XXXX $ into the drive through chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX. Once I fed the ATM all the cash, I received an error message and a receipt prompting me to call customer service to ensure my deposit was processed. I called the same night and was told by a representative to file a claim through a separate corporate number in the morning. I then filed a claim at XXXXXXXX XXXX on XX/XX/24 as was instructed. I was then told to wait for the claim to be processed, approximately 2 hours to 2 business days. I called the next business day ( XX/XX/24 ) around XXXX to check the status of my claim. I was told the claim was denied due to insufficient evidence of my deposit. I asked to be escalated to a manager who then instructed me to go to the branch, as previously stated above, and request video surveillance footage along with a police report. I did so promptly after getting off the phone and spoke to the branch manager. The police were unable to get the footage due to it being a civil matter. The branch manager proceeded to file an escalated claim and now I wait 3-5 business days to determine wether I will receive my funds or not.
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (CA)

SEE ATTACHED DOCUMENT OF MY STATUES MAILED XX/XX/2021, ALONG WITH FTC REPORT. ITEMS REMAIN IN THE SAME STATUS.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.

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 inructions 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 2021-08-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (LA)

I noticed a collection on my credit account from collection agency AD Astra Recovery Services Inc. for a {$310.00} loan from Speedy Cash. I contacted the collection agency via telephone to complete a dispute. I was informed that a written dispute was the only form of dispute they accept. I sent the agency a Validation of Debt letter on XX/XX/XXXX requesting a number of documents to validate this alleged debt. They responded back to my Validation of Debt letter missing all of the requested documents. I contacted the agency within 30 days of receiving response. I spoke with a representative in regards to missing requested documents, she informed me that they do not have the requested documents and that I would need to contact original creditor. I informed them that being that they are the agency that is reporting this alleged debt to the credit bureaus, they should be able to send the requested documents. However, being that they did not respond with requested documents within 30 days, they were therefore were unable to validate the debt and I am requesting for the account to be deleted. I was then transferred to supervisor XXXX ID # XXXX, who informed me that they sent over what they had and the account will not be deleted. I informed him that what they sent was not what I requested, and the name that they had on file was not even my name. He just repeated several times that the account will not be deleted. 
I requested the following documents : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein she agreed to pay the creditor. 
Any insurance claims that have been made by any creditor regarding this account. 
Any Judgements obtained by and creditor regarding this account. 
Name and address of alleged creditor. 
Name on file for alleged debtor. 
Alleged account number. 
Amount of alleged debt. 
Date that this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to the collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

They responded to my requests with a letter that has an inaccurate spelling of my name as well as just a receipt from Speedy Cash. They did not send any other supporting documents to validate the alleged debt they are reporting to the credit bureaus. I informed AD Astra Recovery Solutions, both written and verbally, that if the alleged debt is not validated with the requested documents within 30 days the account needs to be deleted. AD Astra Recovery Services Inc. did NOT validate alleged debt within 30 days. They also refused to delete the account.
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NH)

My student loans were with XXXX until XX/XX/XXXX, when they were transferred to Mohela so I could apply for the waiver for XXXX. From XX/XX/XXXX until XX/XX/XXXX, my loans were in deferment as I was in college. After finishing my program, my loan payments resumed, despite there being a payment pause due to XXXX. I had assumed that it was because my loans were not held with the government. When my loans were transferred, XXXX told me I had XXXX payments toward XXXX. Mohela added several payments, from XX/XX/XXXX until XX/XX/XXXX ( during the continued XXXX pause and while the loans were evaluated for the XXXX waiver ). On XX/XX/XXXX, I received an email from Mohela with an updated XXXX count of XXXX eligible payments with XXXX qualifying payments. My loan balance showed {$0.00}. ( I still can't even believe this has happened ). 

I have tried calling Mohela 's number, but I can't get through the automated system as it won't accept my birthdate and therefore can not find my loan information. There is no email to send a request to, and the forms on their website do not apply to my questions. 

XXXX, can I request a refund for the XXXX I paid on my loans from XX/XX/XXXX through XX/XX/XXXX? XXXX said that XXXX loans don't qualify for a refund of payments made during the COVID pause because those loans are not federal loans ( if they weren't federal loans, then I wouldn't have been able to put the loans into a Direct Loan to qualify for the XXXX waiver ). 

XXXX, is there a way to know how I reached the XXXX payments when XXXX only had me at XXXX? I'm trying to determine if I am owed a refund for the payments over XXXX or if those payments came from forbearance or deferment periods. None of that information for my loans is on the XXXX site- it only shows the full balance but not the number of payments through each of the servicers I have had over the XXXX ( XXXX was terrible ). 

XXXX if I am owed a refund, what is the timeline for it?
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I checked my credit report on XX/XX/XXXX and realized that fifth third bank reported 30 day late on XXXX of XXXX, i checked on my records and its showing i mailed out a check on XX/XX/XXXX and the check was processed on XX/XX/XXXX on my bank records. 

I called fifth third bank on XX/XX/XXXX asking why they reported late on XX/XX/XXXX, and representative named XXXX with id number # XXXX told me that he is seeing my XX/XX/XXXX due date payment was posted on XX/XX/XXXX, and he said that sometimes a payment can get misplaced and reported in the office till its posted, and if on my bank records its showing payment was posted earlier, fifth third bank needs to remove the late from my reports.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have requested 3 times for validation of debt. I have requested the following : agreement with creditor that authorizes them to collect debt, The agreement bearing my signature stating I have a greed to assume debt from collection agency, valid copies of debt agreement stating amount of debt and interest charges, Proof that statute of limitation has not expired, complete payment history on this account along with any additional charges being assessed, Proof they are licensed to collect in my state, and licenses numbers and registered agent. As of today the collection agency has only provided a letter and a copy of a bill from seller. Each time I request validation the collection agency continues to send me the exact same response. Per my consumer rights they have yet to validate said debt and legally must be removed from all 3 credit bureaus.
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (OR)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-31
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. (AZ)

My initial dispute 6 TO 7 WEEKS AGO was detailed and related to the account in question. A template response will not be an acceptable response. YOU DID NOT SUPPLY ALL OF THE INFORMATION PREVIUOSLY ASKED FOR ACCORDING TO F.C.R.A. 611 ( a ) ( 7 ) in a timely manner, 30 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these item from my credit report. I AM ENCLOSING THE 1ST DISPUTE LETTER WHICH ASKED FOR A COMPLETE DETAILED INFORMATION FROM SOURCES YOU USED TO VERIFY MY DISPUTE. YOU FAILED AND ARE NON- COMPLIANT SO YOU MUST NOW DELETE ALL INFORMATION IN THE FIRST AND SECOND LETTERS ATTACHED I HAVE A CHAPTER XXXX FILING WHICH IS NOT FACTUAL AND ANOTHER ACCOUNT THAT DOESN'T BELONG TO ME
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2021, I received a letter via email stating that a credit card that I applied for wasnt approved due to information obtained by a consumers credit report. I never gave anyone my WRITTEN CONSENT to report anything on my consumers report. Thats against the I.S. Code laws .No consent is identity theft! I also never gave capital one my written consent, which is unauthorized use. I was not approved based on information capital one obtained from someone else and took information without my knowledge. What law states that Im subject to a credit score? Attached is the letter I received being denied.
Consumer complaint received 2021-08-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Carrington Mortgage -I have tried to see why they are not updating my payments through the website. I paid XXXX and it still showing that it has not been paid as of XX/XX/XXXX. I can see on the website the payment distribution but not from the current due amount. I got a phone call on XX/XX/XXXX in response to an email that broke down all of my payments in this email I asked for an email for my records but they keep calling. I believe that they are being deceptive by now showing my account accurately and by now reporting it accurately.
Consumer complaint received 2021-08-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

To whom it may concern at Experian, I XXXX XXXX request in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The account is no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX/XXXX  XXXX
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

We opened a merchant account with Bank Of America back in XXXX, XXXX, And after opening the account we noticed that BOA is only a middleman between us ( merchants ) and another merchant provider called XXXX ( the new name of this merchant provider now is XXXX ). 

We had no problems and our business was doing fine and stable, after few weeks we scaled our business and we start getting more sales, and suddenly we received a call from XXXX claiming that our account is under review, and this review took more than 2 weeks, after that they took a reserve of more than {$20000.00} ( in this stage I was calling them everyday with no answers from the risk department [ I mean XXXX  risk team, since BOA was not involved in these issue for some reason ] that they claim is the right department that can provide details about the hold and the reserve ), and that means XXXX did all that without any formal communication. 
Note : during this entire period of the review, they were collecting fees from my bank account. 

After few days the account was closed [ on XX/XX/XXXX ] and because of that I was out of business permanently, and I was surprised when I got a call from BOA claiming that I owe them this amount. I requested BOA and XXXX to explain why I owe them this amount, since the statements [ see attached ] that I received after the account closed were not showing this numbers. But no explanation was provided. I called the XXXX customer support ( since BOA didn't have any info ) to ask about the reserved balance that was held before the account closed, and after I got connected with a lady who explained that they still have a reserve balance of more than {$14000.00}, and she stated that I will receive a check to my address with this amount, witch I never received. 

And today I got a letter from a collection agency regarding this matter, asking me to pay this debt. That I am still waiting an explanation for it from BOA and XXXX. 

XXXX Thank you
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

Hello my name is XXXX XXXX XXXX trading crypto currency at Coinbase my money stock there for over 4 months I filed multiple complaints Im trying to contact the company every day but no success they holding over {$23000.00} without giving me and option to pull my money out! I tried every single way to contact them but surprisingly there is no one to respond my concerns. At this point im urgently looking for someone to help me to take my money out or at least to help me to speak with someone to address my issue. 

Thanks you XXXX XXXX
Consumer complaint received 2021-08-31
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. (FL)

I provided the documents that were requested from me. The credit bureau informed me that it would take 48 to 72 hours and the file is not updated.
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (FL)

I provided the documents that were requested from me. The credit bureau informed me that it would take 48 to 72 hours and the file is not updated.
Consumer complaint received 2021-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One Auto Financial reported a few hard inquiries to my consumers credit report. I did Not give them my written consent or permission to do so. No consent is identity theft and unauthorized use. Capital One Auto financial had also sent me numerous of letters in attempt to collect a debt ( harassment ) which is also against the U.S. codes. Title 15 1692 ( d ). In one of the pictures below, Ive underline where Capital One states that This communication is from a debt collector and is an attempt to collect a debt ; any information will be used for that purpose
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please remove inquieries XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Re Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies Factual Data Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXr Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies Factual Data Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks Factual Data Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi, This is regarding couple of unusual and suspicious charges on my unemployment prepaid card account on XX/XX/XXXX, I complained this calling bank 's claims/escalation 3 times but this is not yet fixed, Their claims didn't give a satisfactory answer when I called them first time, the next day they said it's a " mistake ''. 

Their response seems suspicious and not acceptable, they must explain me and fix this asap. 
XXXX XXXX.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I requested that National Credit Systems , Inc validate a debt that they previously tried to collect on XX/XX/XXXX. 

They are reporting that I owe for a joint account, but I have no records indicating that this is true. I am seeking validation of this information, but National Credit Systems has not provided supporting documentation. 

I received a notice from National Credit Systems dated XX/XX/XXXX stating that they did not have enough information to validate my claim. 

I asked for : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -Proof that the Statue of Limitations has not expired on this account -Your license numbers and Registered Agent or Agent of Service -Proof that you are licensed to collect in my state They sent me none of this information. None of the documents they sent corresponds with a joint account. I will upload a copy of the forms they sent me.

Further more the signature on one of the documents seems to be forged as the signature date does not match the date of the original creditor dated signature. 

For example the original creditor signature is dated for XX/XX/XXXX. The other signature, which is supposed to represent my signature, is dated XX/XX/XXXX. 

How is this even possible? 

That means that National Credit Systems is also furnishing certain deceptive forms, which is against the law according to Fair Debt Collection Practices Act 15 USC 1692k Sec 812 ( a ).
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I started the loan modification in XX/XX/XXXX, theyve misplaced several documents, asking for documents 2 or 3 times. I had to complete the application 2 times now, the underwriter seems not to understand self employment. There is still no decision. 15 years ago we were victims to Predatory lending. Weve made every payment and not decided to short sale or foreclose. But the interest on the mortgage keeps going up, which we cant afford. And now principal will become due in XX/XX/XXXX. Were just asking for the interest to be frozen for a few years until our house is worth what we paid for it.