davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On Sunday XX/XX/XXXX I wrote a check for a charitable organization ( {$640.00} ). This was from a business account. Later that evening, I did some research and learned some troubling information about them. So I did research, then first thing Monday morning called the Chase Bank, gave them the check number, amount, and payee of the check. The agent told me that this would not be a problem AT ALL. He issued a stop payment on the check, we went over the amount, check number XXXX, and then assured me that the check would not clear. WELL, the NEXT DAY, the check was in process! I called Chase. I told them that the check was in process of clearing. The agent assured me that even though it shows as pending, it would NOT clear. I noticed something odd, and told them IMMEDIATELY. I said that the bank memo shows the incorrect check number. Instead of the check number, it shows my ROUTING NUMBER. WHAT??? The check image shows the correct check number I told them to stop payment on. The agent told me to just wait a day and then it should be removed. THE NEXT DAY IT CLEARED! What?? I called furious. I was tossed around from agent to agent until some agent XXXX  told me, " sorry, there is nothing we can do. We can only stop payment on a check that has not cleared. '' I told them I called MONDAY TO CANCEL the check, what?? Chase just doesnt care. I have had my business account with them XXXX  years! I have needed to stop payment on checks before and I NEVER HAD A PROBEM before. Someone needs to make this right! I have no problem taking my business elsewhere.
Consumer complaint received 2020-08-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Despite several disputes, Bank of America continues to report account with first delinquency older than 7 year to XXXX. The account should have been removed in XXXX of 2020, and was removed from both XXXX  and XXXX  but BoA continues to verify account despite being past the legal age.
Consumer complaint received 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX is charging me for two accounts, and put two accounts into collections. when I have never used or operated a XXXX phone.
Consumer complaint received 2024-01-20
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: EQUIFAX, INC. (IL)

I have been contacting XXXX for over a year now trying to get the bankruptcy removed they keep telling me to contact the us bankruptcy court upon contacting the us bankruptcy court they advise they do not report to the credit agencies then I advise the credit agency of this they say its XXXX XXXX  who reported the information spoke with XXXX XXXX who advised they have suppressed my information an its no longer available reach back to XXXX who keep saying XXXX XXXX certified this information. I am requesting information be deleted.
Consumer complaint received 2020-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: R & B Corporation of Virginia (FL)

We were moving after 23 years and cancelling our XXXX account that included a land line, internet and television. In XX/XX/2019, I called XXXX because we wanted to keep the land line number and were advised we could port the number to a cell line, then cancel internet and television. We ported the line and XXXX changed the account number to a new number. I could not log on to the old account, for a period of time, no one at XXXX could find an account. When found, I asked to cancel the internet and phone. The representative advised that the new home owners could use the account and not have installation fees. I said we would let them know. What was not explained is that I needed to call them back that they were not closing the account which is what I called for. I found it unacceptable that they would hold my account open and actually can not understand why a company would expect me to try and get business for them in the first place. When I returned the equipment per their instructions to the store, the clerk advised me the account was not closed and that I needed to call and cancel. Thus extra charges were charged to the account. I spoke to the billing department several times starting and was advised they were elevating it to a different department and would contact me back. I did not get contacted back by them, but the account was sent to a Credit corporation who now says XXXX says it is due and therefore it is due in full. I feel the company acted irresponsibly in not closing the account as asked and now submitting the charge to a collection bureau.
Consumer complaint received 2020-08-13
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. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

Experian has blatantly denied my request to dispute this account showing an inaccurate payment status on my credit report. Ya 'll have accused me of being a credit repair company and denied my investigation request. That is NOT how this is suppose to be handled. According to FCRA I have the RIGHT to request that any information being reported on my credit report be 100 % accurate and verifiable and you have failed to do so. If my investigation request isn't taken serious this time I will be forced to notify the FTC and the attorney general to step in help with this issue. 

I have several closed XXXX XXXX XXXX accounts reporting 90 Day Late payments on XX/XX/XXXX. That is not possible because my students loans have always been deferred due to me being enrolled in school. I ask that you please delete this erroneous reporting. In the comment section of the accounts it also says, 90 Days Past Due or 90 Days Delinquent. I ask that you DELETE ALL of this incorrect  information. According to FCRA, incorrect or non-verifiable information cant be reported and shall be deleted promptly. 

I have a 30 day late payment being reported under XXXX XXXX XXXX XXXX on the month of XX/XX/XXXX. I was never late on this account and according to my credit reports, youre the only bureau reporting this late payment status on these dates. Please delete & remove the late payment status and put it back to current. According to FCRA, incorrect or non-verifiable information cant be reported and shall be deleted promptly.
Consumer complaint received 2020-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received a call on my Landline ( XXXX XXXX XXXX from people who said they were XXXX XXXX XXXX XXXX located in XXXX, CA. A woman stated, my computer had been compromised and the IP address is public and showing from XXXX. They ( people from XXXX ) went into my computer to show me their credentials and showed me my information including the XXXX website. They went into my XXXX account and profile including my XXXX XXXX account. I was shown state reports on my IP address and my computer which showed a public address for easy access for people ( hackers ) to get into my computer. They were going to fix my computers IP address so people would not be able to access my device. The hackers had me put my computer in airplane mode, look at the IP address,  the VPN to view this information with them. At one point, I was told to go to my internet router with my computer. These people saw my XXXX, XXXX, and XXXX XXXX information. They wrote out a computer plan of action ( see attached ) of what they well do and what my issues are. After twenty minutes on the phone they said I needed to buy XXXX {$100.00} XXXX gift cards from a local store to cover and dummy for the new IP address. Later, I was told those were not valid and I had to purchase additional cards. I purchased four {$100.00} XXXX cards from XXXX XXXX. I was told those were not valid. I went to XXXX in XXXX  and I say and alert on the XXXX. I stopped and made the necessary calls and filed a police report with the XXXX PD with Officer XXXX. 

Every agency has been informed ; the three credit bureaus ( freezes, alerts, identify thief ), account numbers and banks changed, new credit cards, XXXX membership, letters, calls etc. Additionally, on the same day and ONLINE, the hackers used my email and IP addresses to purchase a XXXX gift card for {$100.00} which Capital One approved. Before the {$100.00} XXXX gift card was approved the hackers attempted to purchase five {$100.00} cards from XXXX that were denied because the identity could not be verified as shared by a XXXX Supervisor ( see agents statement/Walmart account ). 

My past spending history, Capital One monitored and would stop my purchases to verify my identity. Lastly, Capital One should have stopped these purchases due to my past and present spending patterns and they are holding me accountable to the fraud and scam which were made under duress.
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

THIS IS THE SECOND TIME I HAVE HAD TO FILE A COMPLAINT AGNIST SELECT PORTFOLIO SERVICING. I HAVE BEEN TRYING TO DO A MORTAGE ASSUMPTION FOR 2 YEARS AFTER THE LAST COMPLAINT THEY DENIED THE MORTGAGE ASSUMPTION SAYING THE PROPERTY WAS NOT MY PRIMARY RESIDENCE, I APPEALED THAT DECISION AND SENT DOCEMENTATION THAT IT WAS MY PRIMARY RESIDENCE. NOW THEY ARE SAYING THAT I HAVE TO BE A SECCESSOR IN INTEREST I ALREADY OWN THE DEED BY QUIT CLAIM DEED AND I HAVE LIVED ON THE PROPERTY FOR 13 YEARS AND DO ALL UPKEEP ON THE PROPERTY. I GOT THE PROPERTY AS A TRANSFER RESULTING FROM THE DEATH OF A BORROWER .I CANT GET MY OWN INSURANCE BECAUSE THE MORGATAGE IS NOT IN MY NAME AND I HAVE ESCROW PAYMENT CHECKS JUST SITTING HERE CANT GET THEM TO PUT THEM TOWARDS THE BALANCE OF THE MORGTAGE BECAUSE THE MORTAGE IS NOT IN MY NAME I CANT DO ANYTHING BE ITS NOT IN MY NAME THEY SAY I CANT BE AN SUCCESSOR IN INSTREST HOW IS THAT POSSIBLE IAM THE ONLY PERSON IN INSTREST ON THIS PROPERTY PLEASE HELP STRAIGHTEN OUT THIS MESS THIS IS THE WORST MORTAGE COMPANY EVER.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Theres two accounts on my credit report showing closed on my credit report which is XXXX XXXX XXXX and XXXX XXXX and should be removed from my credit report my XXXX XXXX XXXX was never late
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (MD)

I sent a letter to them on XX/XX/2024 requesting the following :

I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have XXXX ( XXXX ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely matter, will be considered a waiver to any and all your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or a waiver of status.

They did not respond within the XXXX  days.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

I contacted the  Fair Collections Outsourcing on XX/XX/XXXX in regards to a phone call I received about a debt. I asked what the debt was for and I did not recognize the company name that was provided. The collection representative did not disclose what the debt was for. He only told me that I owed {$120.00}. I advised that I was not aware of the debt and asked that he send me a notification as I had not received one. He was combative and indicated that I had made a payment on the debt in XXXX but he still did not tell me what it was for. He finally conceded to sending a notification of the debt. It has been almost a week and I have not received anything. I asked for the name of the company that he worked for and he provided but when I asked where they were located he disconnected the line.
Consumer complaint received 2024-04-11
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: The J. G. Wentworth Company (NY)

JG Wentworth took me as a client. They made it seem like they were going to help me with my debt. All they actually did was let my debt grow much higher, then set up a payment plan and chsrge me " fees '' which amount to what i owed anyway. 

I had an account with XXXX XXXX which they started to make payments on... 

In the process with JG Wentworth i asked to have my payments switched to bi-weekly and taken directly form my checking account after each payday. 
When they did so it caused them to miss a payment to XXXX, and XXXX ended the agreement with them. 

I started getting emails from XXXX XXXX  saying i owed them for monthly payments and i was deliquent. I called Jg Wentworh several times and e-mailed several times and got no response. I then called XXXX and got a settlement offer myself. 

When i called Jgwentworth to tell them to take XXXX off my account, they told me i was still responsible for almost XXXX XXXX in " fees '' even if its removed. 

They are dishonest, and prey on people in a tough situation.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (CA)

In XXXX I closed my account with INDIGO - XXXX XXXX  Genesis FS Card Services with a balance of XXXX, they then sent me notification via usps mail that my account was closed with a balance of XXXX. On XX/XX/22 I received an email that a XXXX $ payment was due on the account, I then called they informed me the payment was XXXX I have called 3 times and they state there was a returned payment in XXXX that I wasnt aware of. I then asked how did my last payment go through and they inform the account was closed with a balance remaining. They would not transfer me to their fraud department, they state they dont have a record of the letter I was sent either I just need help
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunset Management, Inc (GA)

I am receiving calls from Sunset Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA. They are calling for XXXX XXXX. I have no idea who this person is. I have had this number for almost 2 years. I have advised them on multiple occasions that I do not know this person. They informed me on XX/XX/XXXX that they can continue to call me. I have complained with FCC, on social media, their website and now here. I have been on the Do Not Call registry since XX/XX/XXXX. I have never done business with this company and I have no outstanding debt. The number they are calling from is XXXX. The number they continue to call is XXXX.
Consumer complaint received 2020-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc. (MI)

I have tried repeatedly to have them take a medical bill for ambulatory services taken off of my credit report that I should not have been billed for per XXXX XXXX XXXX XXXX and they still refuse to delete the debt from my credit report which has damaged my credit score and caused me to be denied credit. They received the same information from XXXX XXXX and XXXX XXXX and they still refuse to delete it. Every time I call them they are very rude and will not even try to listen to what I am saying. The insurance information was given to them several times before they even reported it on my credit report and a claim still was not filed correctly and they were notified by XXXX XXXX XXXX XXXX in regards to the matter.
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

On XX/XX/2024 my cashapp account was hacked into and 27 unauthorized transactions occurred totaling up to {$1300.00}. When the person hacked into my account they locked me out of it and also changed my cashapp name and took my phone number and email off the account. I called cashapp support and the gentleman helped me get back into my account and made a claim for me and told me by looking at all the details of what happened id get my money back because it was very obvious i was hacked. Cash app denied my claim, they wont tell me why. They wont speak to me about it even though i have info that will help their investigation. I have the # that hacked into my account it was XXXX and the cash app the hacker sent my money to was XXXX XXXXXXXX
Consumer complaint received 2022-11-01
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. (MD)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (TX)

I have sent letters on XX/XX/2022 disputing these unknown information in my report, but I did not get any response from the bureaus. If they have investigated or even took action they should have sent me results but they did not.
Consumer complaint received 2020-08-13
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: CREDIT ACCEPTANCE CORPORATION (MI)

Inquiry from Credit Acceptance Corp/CAC on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Consumer complaint received 2020-06-11
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. (AR)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 
XXXX {$120.00}