davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

My complaint is in regards to my checking account that I have with Chase bank. I schedule a reoccurring withdrawal to come out of Chase account on my pay periods in the amount of {$1000.00} starting on XX/XX/2024. When I got paid on XX/XX/2024 I had a current balance with Chase of {$610.00} and a present balance of XXXX. I schedule the automated withdrawals to go to my landlord account. My landlord called me on XX/XX/2024 and told my that she checked her account and she seen a debit of {$1000.00} come out of her account to my account, in which it was supposed to come out of my account and go to her account. I check my Chase account and I had a available balance of {$1600.00}. So I acknowledge the error that I made with my landlord and schedule transfer my account in the amount of {$1000.00} to go back into her account on XX/XX/2024 and after the transfer I had a available balance of {$610.00}. I also cancel the reoccurring withdrawals that were supposed to be future payments and after the transfer I had a series of debits and deposits in my account. On XX/XX/2024 I had a available balance of $ XXXX some odd cents. On XX/XX/2024 I received an alert from Chase that I was overdrawn- {$300.00}. I checked to see why I was overdrawn because my account was not supposed to be overdrawn and Chase had debited my account {$1000.00} to by credited back into my landlord account. I called Chase and I was told that the reason why they debited my account was because the funds were not available in my landlord account however they made it available for my to send it back to her on XX/XX/2024. So they debited my account and total messed my account up and now I am at risk of getting charged NSF fees because I have transactions that I am unable to stop because I was under the impression that the {$1000.00} that was credited to my account by landlord account was available because Chase released the funds. I am extremely upset and I want to know if this is lawful and I wanted to file a complaint because I believe Chase is doing some unethical practices. I am unable to provide for my family until my next pay check which is on XX/XX/2024 because of Chase mishandling my money.
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (GA)

To Whom it May Concern I have sent 3 letters to all 3 credit reporting bureaus. They have never gotten back to me on the information on their " investgativion ''. I contacted the Dept of Education and never heard back from them either. I have never been late on my loans as I have been in school. I am not sure why this is reporting this way and this is very alarming. I need this information fixed and reported correctly to all the credit bureaus. 

THis accout is reported 6 times late on all 3 bureus DEPT OF ED/AIDVANTAGE Acct # XXXX
Consumer complaint received 2020-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (PA)

Flagstar Bank recently acquired my mortgage from XXXXXX/XX/XXXX in the process it became apparent that my tax and escrow amounts were miscalculated. upon no less than 3 phone calls Flagstar refused to review the file they were provided at time of acquisition of the loan.
Consumer complaint received 2017-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

XXXX XXXX XXXX XXXX XXXX XXXX showing up in collection with a balance of {$0.00}. Do n't understand why this was put on my credit report, have n't received any paper work
Consumer complaint received 2021-11-06
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. (GA)

To whom it may concern in this matter. I need your assistance in removing a charge off account that do not belong to me. However, it is reporting on my credit file. 

My name is not XXXX, XXXX XXXX My address is not or never been, XXXX XXXX , XXXX XXXX, To XXXX XXXX, XXXX XXXX XXXX , or XXXX XXXX The following items do not belong to me XXXX is reporting on my XXXX & Equifax ; Bal : {$9300.00}
Consumer complaint received 2018-04-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (TX)

Dear CFPB, Diversified Adjustment Service sent me a letter dated XX/XX/2018 demanding for a debt of {$320.00} for which no information or knowledge to such debt was affirm. I requested for validation of such debt and none was sent beside an itemized bill to which I challenged looking at the inaccuracy. 

No communication on phone was made and I demand all letters are certified. 

Diversified demands money for an alleged debt for which no proof of said debt, nor proof of ownership of said debt, has been verified and exhibited. Please whereas no exchange of money of goods or services occurred between XXXX XXXX and Diversified Adjustment, therefore XXXX XXXX cites failure of consideration and request the following. Please explain why they demand for such debt. 

I responded to their request on asked for validation and they never validated the said debt within the required the 30 days period on my credit report. But they instead sent a bill. 

Meanwhile, I do not have a contract with Diversified and no service have been provided by them to XXXX XXXX, I demanded for their right of subrogation and they instead continued reporting on my credit report as if I owe them debt. And they put in dispute after 45 days which is a violation of Federal law as the required period is 30 days.

I hereby request Diversified Adjustment to explain to me why they violated Federal laws of the 30 days period, delete my account and explain why they are reporting inaccurately without providing me their right of subrogation. I also want diversified to know that their inaccurate reporting has cost me huge interest and credit denials and as such I request that diversified compensate me with {$1000.00} for violation of federal laws by reporting inaccurately, and by falsely representing on debt to which they have no said claim. 

Attached are proofs of communications. 

XXXX, XXXX
Consumer complaint received 2019-07-02
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. (NV)

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error
Consumer complaint received 2019-04-30
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: TD BANK US HOLDING COMPANY (GA)

I have had an untroubled account with XXXX XXXX XXXX, acct id XXXX, for many, many years. Last year I lost my card, reported it, and they sent a replacement card with a new number. After having not used my card for a long time, months, I tried to make a small online purchase and it was declined. When I called to find out about the problem, I was told XXXX made an automatic purchase to my account for {$40.00}, and I was never notified. The payment due was late at that time with an additional {$27.00} late fee attached. I asked on the phone why was I not notified by mail or email. They had no answer. 

I filed a dispute. They required me to wait for their postal mail document. On XX/XX/XXXX, I received their mail-out and the due date was XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX   stating that they tried to reach me by phone on XX/XX/XXXX, and since I did not answer the disputed amount {$39.00} will remain on my account. I did mail a completed and accurate dispute form as they required on XX/XX/XXXX. Apparently, it was too late for their unreasonable expectations. 

I did not authorize this purchase for virus protection for an old computer I rarely use. 

How is it possible that XXXX can put something on my card unbeknownst to me and I can't make one charge on my own card? I also had trouble getting onto their website to access my account. I CAN'T ACCESS IT BUT APPARENTLY ANYONE ELSE CAN. 

Also important to note is that I did not receive any postal mail or email about this illegit purchase UNTIL I told them about that over the phone. Suddenly I can receive all kinds of mail and email from them. My email has been the same for years. My phone number and mailing address has been the same since XXXX. 

On XX/XX/XXXX I called XXXX again and told them to close this account immediately. I assume they did. 

XXXX  sent me an email on XX/XX/XXXX telling me my payment is due XX/XX/XXXX. They have sent me no acknowledgement that they received my dispute. 

How can it be that someone, anyone can access my account and I can't? How can the CFPB allow credit card establishments to behave so unreasonably.
Consumer complaint received 2022-12-14
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: SG and Associates (OH)

For years now Ive been fighting with this company XXXXXXXX XXXX  to dispute fraudulent charges thats on my personal credit report. This business is report and that I owe a company name XXXX XXXX XXXX XXXX which I personally never collected because this account was never opened in my acknowledgement or consent. I believe the account was open sometime in XXXX and Ive been fighting since then to get these fraudulent charges off my credit report. another company is XXXX XXXX theyre stating that I owe them over XXXX, from XXXX. This account as well, its not mines, or was an open to my acknowledgment or to my consent. The previous home that I was in I left my personal wallet in my phone inside of a hidden closet inside of a closet totally forgot about it. The house was remodeled and whoever went inside that cubby space has access to my personal information.
Consumer complaint received 2019-07-02
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: EQUIFAX, INC. (NV)

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error
Consumer complaint received 2019-07-02
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. (NV)

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked Transunion where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX  XXXX   XXXX XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX** , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****,
Consumer complaint received 2022-04-28
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 Account Number # XXXX XXXX XXXX XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

My wife was using our chase card to do laundry. Considering I constantly deposit money in the account, I constantly check the account and noticed 2 fraudulent charges. One was from the same laundromat where my wife was, XXXX dollars. This is because she lost it there. Couple hours later another fraudulent charge in XXXX occurred, XXXX dollars. I called chase and made the claim. They reversed the funds. Now chase states the charges are valid and overdrew my account with these charges. I have never been to that XXXX nor have I ever in my life spent more than XXXX dollars at XXXX. Why would I? Wife and XXXX XXXX girls. We are also practically vegetarians, so we don't buy food like that. Chase does not care and I refuse to pay for charges I have not made. Im stuck in this situation because of XXXX and i have been left hing dry by chase. I will close my account with them for good the moment this is over.
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

Merchant lied and said the merchandise was picked up by me and I never did the merchant never got CDL or signature on who picked it up. They only got initials for {$1500.00} worth of stereo equipment. I asked them to provide video to show me on who picked it up and they refused. I explained to them I never received anything and it was not right for them to release the {$1500.00} worth of merchandise without proper identification. I have disputed this many times to the finance company also filed a complaint with the XXXX XXXX XXXX but they always sided with the merchant.
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: RoundPoint Mortgage Servicing LLC (AZ)

We paid off the loan on XX/XX/2024. According to Roundpoint Mortgage, they have XXXX business days to return the remaining escrow balance on the account. In our case, that is {$5900.00}. I contacted Roundpoint Mortgage on the following dates to confirm the check was coming, and even gave them our new current mailing address as we had moved from the home the loan was on. Dates I contacted them, are XX/XX/2024, XX/XX/2024, XX/XX/2024 ( and spoke with XXXX separate agents as their stories were all different ) so I asked that a supervisor call me back. I was told that would happen within XXXX hours. No call ever came! I called again on XX/XX/2024 and an agent read the notes on our file, and agreed to stop payment on the first check ( which I am told was issued on XX/XX/2024 ) and a NEW check would be reissued within XXXX business days. 
Here we are today on XX/XX/2024 and spoke to today 's agent who answered. She stated the stop payment has been made, and the new check has not been issued yet???!!! It's " still being processed. '' XXXX business days later. 
This is OUR money that needs to be returned within the permitted timeline. OUR daily interest is stolen by this company, not to mention having the funds available to LIVE ON.
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Terrill Outsourcing Group (SC)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (SC)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2019-07-02
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. (NV)

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked Equifax where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX HOSPITAL )  XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX HOSPITAL ) XXXX,
Consumer complaint received 2018-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NV)

I received a letter from us bank stating that they closed my account due to the fact that it was overdrawn. On several attempts my cards never came to my home. I called and called several times to inform thia of this. When I noticed my account was overdrawn a rep contacted me and I informed the rep that my account had been compromised. I also informed him that I contacted the fraud department twice never received any paperwork or anything. On several attempts I had issued to me several temporary cards due to the fact that they sent out my card and then I never received it. Informed the company that my mail box was located on the street and can easily be broken into to. I am upset on the fact that I am XXXX XXXX with XXXX and that this company has treated me this way.
Consumer complaint received 2022-12-14
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: ENCORE CAPITAL GROUP INC. (OH)

For years now Ive been fighting with this company XXXXXXXX XXXX to dispute fraudulent charges thats on my personal credit report. This business is report and that I owe a company name XXXX XXXX over XXXX which I personally never collected because this account was never opened in my acknowledgement or consent. I believe the account was open sometime in XXXX and Ive been fighting since then to get these fraudulent charges off my credit report. another company is XXXX XXXX theyre stating that I owe them over XXXX, from XXXX. This account as well, its not mines, or was an open to my acknowledgment or to my consent. The previous home that I was in I left my personal wallet in my phone inside of a hidden closet inside of a closet totally forgot about it. The house was remodeled and whoever went inside that cubby space has access to my personal information.
Consumer complaint received 2022-04-28
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. (MI)

I am the natural person, consumer and original creditor. I entered into a consumer credit transaction with XXXX  XX/XX/2016. They are committing fraud because they got paid with the finance charge and mislead me to believe i still was suppose to pay them monthly payments, but my social security number paid for everything initially. They are also infringing upon my privacy because they sent my information to consumer reporting agencies without my written consent. Now those reporting agencies are reporting this alleged debt negatively to my consumer file. This is also fraud because that is my information nothing is suppose to be put on there without my consent on top of that everything must be accurate and they are suppose to interview friends and family which they never did. I am the consumer everything starts and ends with me.
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony bank care credit opened an investigation on a card opened fraudulently in my name. During this time I was hospitalized over an extended period of time. Their investigation proved that was a fraudulent application. I produce proof to synchrony bank, XXXX  and XXXX. It has still not been removed