davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TN)

Back in late XX/XX/XXXX, I moved to XXXX XXXX, CA and found a residence to lease at : XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, CA. I found the ad on XXXX and we were planning to stay at the advertised property from XX/XX/XXXX through XX/XX/XXXX. After replying to the ad, the seller, XXXX XXXX, contacted me and we were able to work out an agreement. I was sent a lease agreement with all of the details and was instructed to send payment via XXXX in the amount of {$4200.00}. That amount was sent over XXXX using my Chase Visa credit card, and I was charged an additional {$120.00} bringing the total amount to {$4300.00}. I was asked to send the money though XXXX to the email address of XXXX XXXX, XXXX. The payment was sent on XX/XX/XXXX, which I received a receipt from XXXX XXXX on XX/XX/XXXX. After further investigation, I saw the same property and listing on Trulia.com and contacted the property manager, XXXX XXXX who works for a real estate company called XXXX, and was informed that the owner lives in XXXX. XXXX had never heard of XXXX or XXXX, which leads me to believe that I was involved in a scam. After communicating with XXXX via email, I was told I would receive a refund for the full amount, however, that has yet to be collected. Initially, I reached out to XXXX on XX/XX/XXXX, created a dispute, and was told that I could not be refunded due to the way the money was sent. I was instructed to contact Chase bank and explained the situation to them, and was initially refunded the {$4300.00}. Relieved, I stopped all contact with XXXX and XXXX. On XX/XX/XXXX, I was re-billed the entire amount and I immediately contacted Chase. I was told that Chase did not have the required documents to support my claim, so I faxed in supporting documentation on XX/XX/XXXX. This included rental receipts, a signed lease agreement, email correspondence with the sellers, text messages, and a letter describing my situation. I was told I would have a response within 30 days. Chase dated a letter to me on XX/XX/XXXX that their " latest review confirmed that the charge is valid because our ability to successfully pursue a refund depends on how well we can document our case against the merchant '' and was denied the refund. I immediately called Chase and was instructed to resubmit all of my paperwork with a new letter explaining the situation and another department would investigate the charge. I resubmitted the paperwork via mail in early XX/XX/XXXX and received another letter dated on XX/XX/XXXX confirming their initial findings. I never stayed at this property, nor met the sellers that had advertised it on XXXX. I have submitted a complaint with the federal trade commission on XX/XX/XXXX and have yet to hear back. I paid for a property with my Chase credit card through XXXX and never received a product.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALEXANDER-ROSE ASSOC, INC. (TX)

This debt {$2500.00} from creditor ( XXXX apartment ) at XX/XX/2021 is not XXXX. 

The rent Fee increase XXXX XXXX without any notice in-advance and Oral agree by Apartment XXXX to Move out before lease contract due date ( XX/XX/2021 ) WITHOUT penalty for break the lease contract. 

Follow the Oral agreement to move out on XX/XX/2021 and walk-through with Manager on XX/XX/2021. 

But XX/XX/2021 XXXX XXXX mail collect letter for {$2500.00} cause by break the lease contract ( move out without XXXX days notice ), and Send to credit bureaus cause credit score drop by XXXX point. 

Feel like a trap or was deceived.
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: EQUIFAX, INC. (NV)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. I was never late on payments, I was 100 % on-time. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

Thank you for your help
Consumer complaint received 2016-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Dynamic Recovery Solutions, LLC (OH)

The man who contacted me would not let me dispute the bill. He would not tell me how to dispute it. He was very rude and every time I would talk he would tell me to stop. I asked for information about the bill and he would not give it to me. XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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. (MD)

Upon reviewing my credit report obtained from your agency, I noticed multiple late payment notations on my credit file. The reported late payments are incorrectly reflecting on my credit history and are adversely affecting my creditworthiness and financial opportunities. In accordance with the Fair Credit Reporting Act : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

15 U.S.C 1681b ( 1 ) the credit bureaus dont have no written permission.

15 U.S.C 1681 section 2 states 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 the information is inaccurate.
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/XXXX, my loan servicer, Specialized Loan Servicing ( SLS ) began sending me notices of delinquencies and foreclosure. My account has been current throughout my Chapter XXXX bankruptcy and discharge. I have proof, in the form of bankruptcy discharge documents and payment confirmation emails from SLS, that payments were complete and on time. Yet, I continue to receive notices of delinquencies and foreclosures from them and their online systems continue to reflect a past balance. It has been two months from my date of bankruptcy discharge and this account error continues to persist. 

I have contacted Specialized Loan Serving ( SLS ) numerous times since XXXX, but they insist the account has a past due balance. At the direction of their phone agents, I faxed a Qualified Written Request - Notice of Error, along with supporting documents, on XX/XX/XXXX to assist them with remedying the errors. I also mailed the Notice of Error to the address provided on their website on XX/XX/XXXX. It has now been over a week without a response and I'm concerned ( scared, frankly ) that my credit and house are in jeopardy. 

Attached are some of the key documents that substantiates completion of payments via the Chapter XXXX plan and post-petition/discharge payments made by me.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balanced {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-27
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. (ND)

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 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

Under Federal Law relating to revolving errors in servicing my loan I have a right to submit complaint to Consumer Financial Protection Bureau. Suspicious actions were taken by New Rez LLC. NMLS # XXXX. 




Fradulent activities getting my payments and not applying them on time reversing them back and forth making my loan go to default. 

1. Regularly unapplied my payments by holding it for up to 27 days and applying late. Make me pay all kind of fees.

2. Calling from XXXX XXXX rep. XXXX XXXX on XX/XX/XXXX to collect secondpayment after I paid manually online on XX/XX/XXXX and it is still unapplied on XX/XX/XXXX. 

3. Turned off my Autopay on scheduled date XX/XX/XXXX and XX/XX/XXXX for a reason my loan late past due. 

4. Force me make 2 payments a month on amount of {$1000.00} for last 2 months. Total I made 13 regular payments and 3 additional principal payments XXXX. Total made 15 payments year XXXX. 

5. Sent representative to sneak by my property on XX/XX/XXXX without any notice and explanation by mail or byphone. 

6. Didn't notify me for {$15.00} fee which was added for property inspection. 


All dates and amounts and actions added to attached document.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (VA)

This CFPB complaint is in regards to my Checking and Savings account with M & T Bank. I deposited money into my accounts in XXXX and XXXX of XXXX  My current balance is {$49000.00} in my Checking and {$45000.00} in my Savings, a total of {$95000.00}. 

There has been a hold on my account since at least early to mid XX/XX/2022. I am not able to even transfer money from my Checking to my Savings, or withdraw money from M & T. 

Despite a visit to an M & T Branch and many phone calls to customer service, M & T has been unable to put me in touch with the department who placed the hold, and this department has made no attempt to ask me for any type of verification. An employee at a local M & T Branch, located at XXXX XXXX XXXX, XXXX, VA XXXX, has been trying to help me. She has been very responsive ; however, she has informed me it is up to an internal department who is very difficult to reach. Therefore, no progress has been made. 

In summary, I have a total of {$95000.00} frozen in my M & T accounts. The M & T department who placed the hold has never officially communicated this to me, and has made no attempt to resolve it, despite my constant attempts for the last 4 weeks. I need to access this money. 

Please ask M & T to unfreeze my account so I can access my funds. 

Thank you.
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC (NY)

On XX/XX/2023 I received a missed call from Source Rec Mgmt. I returned the call which was answered by a representative that was very rude and dismissive. He asked my name and read an address to me and asked if that was familiar. He then went on to tell me this was in regard to XXXX XXXX XXXX  XXXX I attempted to explain that it was a dispute as I returned the phones and didn't receive credit for them. After asking how much I thought the phones were worth he said if he could get his XXXX to approve {$400.00} would I pay today. I said no as that doesn't clear the fact that the phones were returned. He became very indignant and condescending and tried to tell me there was no difference. He then said he doesn't have time for this and hung up. Throughout this call there were several violations of the Fair Debt Collection Practices Act as well as other regulation. He never recited the required rights outlined in the FDCPA as the XXXX. He never stated that the call is being recorded. He never accepted and stated he would investigate my dispute as required by the FDCPA. And I would like this agency to dismiss my alleged debt, remove it from my credit report ( or appropriately update it to a dispute ).
Consumer complaint received 2023-01-13
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: SYNCHRONY FINANCIAL (TX)

This particular account was supposed to be draft out of my account. There was a billing error that caused credit reporting to be showing ( 2 ) 30 day lates. My account has never been 30 days late.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had contacted TransUnion, XXXX and XXXX to remove inaccurate addresses as well as other inaccurate information such as closed accounts or creditors that i did not have. XXXX has not and will not remove inaccurate information from credit report after multiple calls regarding this matter. Now things are being reported to TransUnion, XXXX andXX/XX/XXXX neglect their duties and trampling my rights under FCRA. I've been a victim of identity fraud multiple times and it has been documented with all three bureaus. I truly need your assistance in this matter. thank you
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 — Public record information inaccurate
Company: Tower Loan of Mississippi, Inc. (AL)

I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2023-05-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I am writing to try to bring to resolution an identity theft perpetrated by an individual or entity using a synthetic ID of me through a Citibank account that if left uncorrected could be very detrimental to my financial standing and potentially incur financial penalties and sanctions from the IRS. 
I received a 1099-MISC tax form from Citibank stating that I had received {$830.00} in other income for tax year 2022 from an unknown ( to me ) Citibank account XXXX The 1099-MISC form was sent to me with the correct street address, state and ZIP code, but listed the town where I moved from 10 years ago, not my current town of residence. The last XXXXour of my SS number are correct, but the account number is not one I recognize from my decades of dealing with Citibank. 
I brought these facts up with customer service as well as speaking in-person with a local Citibank branch manager. I was told the account number was linked to an IRA through XXXX XXXX XXXX, and a fraud investigation was started. I was told I would receive a response/update in 3-5 business days by email. That was three weeks ago, and despite multiple calls, I havent received any response as to the status of this case.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC. (AZ)

Triad ( XXXX XXXX ) is trying to get us to pay the Dealership for our single wide more than the home 's price. We bought the lot model instead of the home we ordered. The balance owed changed from {$100000.00} to {$82000.00}. They are also trying to make us pay the dealership for the home before the water damages ( We reported these issues to the dealership, the manufacturer and the bank in XX/XX/2022 ) and black mold are addressed.
Consumer complaint received 2024-01-29
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. (TX)

I am submitting this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
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: Experian Information Solutions Inc. (NY)

I WAS TOLD THIS WAS REMOVED, YET AS OF TODAY, XXXX XXXX, 2024, THIS MARK STILL SHOWS AN INACCURATE LATE MARK. 
Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX regarding reporting an INACCURATE past due payment that NEVER WAS PAST DUE. Yet, the credit bureaus and CREDIT KARMA show the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the AUD submitted from FCU to credit bureaus.