davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/21 It was just like a normal day. I went to chase bank to do a domestic wire transfer. An employee from the bank did the job for me.he verified me identity and he went ahead and made the wire transfer. The money was supposed to show up on my other account XXXX XX/XX/21 as it was indicated on the receipt that was given to me by the employee at the bank. On XX/XX/21 I went to the bank asking them why my money is not showing up my other account and why the delay. They didnt have any idea on how to help me. And I came to realization that chase has hold my money to verify my identity. I went to the bank once gain on XX/XX/21 to see if someone from the bank can talk to the wire transfer department and they can verify my identity. Unfortunately they couldnt get through to the wiretransfer department and it was like an hour we were calling them and it was almost closing time of the bank and they told me to come back next day we can help you. I came the next day. They couldnt get through the wire transfer department. So I was frustrated by the whole thing going on. So I went home and went to my chase online banking app. And sent out my documents through secure messages. Just to see if someone can verify my identity. At this point I was really needing my money because of medical emergency issues. And chase was delaying my money for no reason at all. A banker verified my identity when I was sending the money to myself but to a different bank. So I dont get why I need to verify myself again. And on top of that no one from the chase bank was able to solve my issue for a whole week. And now its almost XXXX weeks and I still dont have any information about my funds and chase secure message isnt providing me any information about my funds.
Consumer complaint received 2022-06-13
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-21
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. (TX)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Also please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theftXXXXXXXX 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 2020-12-15
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have requested a validation of two accounts listed on my credit report multiple times ... on/around XX/XX/2020, XX/XX/2020 and in XX/XX/2020. I requested information about what the debt listed is for ; how this debt was calculated ; copies of documents where I agreed to pay the debt ; and verification the debtor is licensed in my state to collect on the debt. To this date I have not received any information validating the alleged debt/account listed on my credit report.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Accelerated Financial Solutions, LLC (TX)

I do not have a signed contract nor any contract with Accelerated Financial SO. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Accelerated Financial SO.
Consumer complaint received 2018-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (OH)

I am in the middle of a bankruptcy case. I was told that once my loan was included in the bankruptcy that PHH Mortgage would finally give me an answer to my modification request. PHH Mortgage has yet to give an answer after I have submitted my paperwork over and over again. There has been no answer for over 6 years. Now I am facing my bankruptcy case being thrown out of court because PHH will not modify my loan, so I can keep my home. 

AS you can see PHH mortgage does not have a good record. 

https : XXXX They refuse to honestly review my situation for a modification. I just want PHH to review my hardship application, stop making demands for the same information over and over, and give me a final answer once and for all.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

Signed up for the American Express OPEN Starwood Preferred Guest Business Credit Card and approved on XX/XX/2017. Promotion stated XXXX SPG points after {$6000.00} spend in the first 3 months and an additional XXXX points after {$10000.00} spend in the first 6 months. Met the requirements and no points awarded. After multiple calls my case was placed under investigation, told to wait 8 to 12 week. No points awarded. Have called multiple times to XXXX   OPEN and no explanation given.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have been disputing false accounts on my XXXX XXXXXXXX via XXXX and they have been " under investigation '' since XX/XX/2015. They have been having a negative effect on my credit account since and when I try to speak to someone at the collection agencies, I keep getting the run around and I'm told that the collection was transferred to a new collection agency. The said agency is not in my credit report at all and have never heard of them. The agencies are not helpful and the department I have to speak to is always closed. I have also been requesting debt verification but they say it's in the mail and I have not gotten anything. The XXXX  file number is XXXX.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (FL)

On XX/XX/XXXX I got a charge of a XXXX XXXX XXXX XXXX that was not authorized on my account usdirectexpress giving me the runaround saying they're not a bank and they can't really do anything I filled out the form they sense 180 days they haven't given me my provisional credit and they're lacking customer service skills I called 3 times just to be bounced around by different departments I filled out the form and I mailed it back to them still no provisional credit the bill was {$130.00}
Consumer complaint received 2018-12-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (IL)

XXXX, XXXX, XXXX, XXXX - 5 Telephone calls per day to my personal cell phone from this number XXXX. 

I do NOT owe any outstanding debt to ANY cash advance institutions or bank. 

Caller claims to be work for XXXX  XXXX. Threatening to have the police at my home if I do not make a full payment by the end of the day. 

XXXX - 3 Telephone calls per day to my immediate family members asking for personal information - Mother XXXX and XXXX - Threatened me with jail time if payment is not made.
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I deposited a check with Bank of America for {$3200.00}, I received the check from a lawsuit settlement, the deposit was made via ATM. For some reason bank of America placed a hold on the funds untilXX/XX/XXXX. I called several times and received a different answer each time as to why the funds were on hold for such a long time, each answer sounded like a rehearsed script. On XX/XX/XXXX I emailed the settlement administrator and on the following day, XX/XX/XXXX, I received an email from the settlement administrator stating that there bank released the funds to bank of America on XX/XX/XXXX. But bank of America still refuses to release the hold.
Consumer complaint received 2022-06-13
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. (KY)

( No subject ) [ Draft ] This message hasn't been sent.

Saved on : Mon XX/XX/2022 XXXX AM This Credit Bureau systems has never contacted me. The only reason I'm aware of their existence is because they are continuously reporting this to the credit bureaus. I have tried to fight some on my credit report but they remove it then it shows back up. I never received a bill from the original company. How can I pay something I never even received a bill? 

Debt collectors must speak to my by phone or in person about the debt or mail a letter or electronic communications about the debt and wait for a reasonable amount of time ( usually 14 days ) to ensure it was delivered before reporting anything to credit reporting companies. This never happened. I never received anything, you can not just ruin someone's credit when you don't give them a chance to pay! This is deceptive, I don't know the amount I owe cause I never got the bill! I believe they are trying to claim way more than what I should owe. The debt collection company has to provide me with Name and mailing information of the debt collector Name of the creditor whom the debt is owed Account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, called the itemization date. 

The current amount of the debt as of when the validation notice is provided. 

Information about your debt collection rights including how to dispute the debt I never received any statements or bills.
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! 
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

Chase sent me a letter on XX/XX/XXXX stating they are closing my checking and credit card accounts. I opened credit card in XX/XX/XXXX and opened checking in XX/XX/XXXX. 

The explanation is painting a relationship with me may " potentially cause reputational risk ''. 

I work in a legitimate field. I do not take illegitimate risks. I pay my bills on time. I maintain my account balances.
Consumer complaint received 2018-04-20
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. (TX)

XXXX XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/1986 I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX  letter are attached.
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

I am having problems with mcm, XXXX XXXX XXXX XXXX XXXX. I became sick and unable to pay my credit card. The limit was less than {$1000.00}. Last year around XXXX I received a letter that they were going to take legal action if I did not pay.The late fees added up and became more than my limit. I called made arrangements to make payments in XXXX. The scheduled payments were not followed correctly causing me overdraft fees. I contacted the agent left voicemails but no call backs until I requested to speak with a Supervisor to cancel the payment plan that was costing me more money, due to drafting on different dates the supervisor canceled the arrangements and pinned it back on the Agent who would follow up and never did.The payments stopped but now they have sent me a notice dated XX/XX/XXXX that I received XX/XX/XXXX stating that if I don't contact them they are taking legal action. I have paid more that my limit in fees I should not owe any more money. I made effort to pay the debt. They have my recorded calls when I called in multiple times and spoke with different people.I had every intention to pay the debt not the overdrafts fees by my bank.
Consumer complaint received 2022-06-13
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)

Please be advised that this is not a request for an investigation, but lawful written instruction and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681a ( e ) an Investigative consumer Report is defined as " a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. '' I DO NOT CONSENT TO ANY INVESTIGATION as it is my right pursuant to 15 USC 1681d ( d ) ( 1 ).

I will also make know at this time that neither XXXX, XXXX, nor Experian can lawfully " verify '' anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that XXXX, XXXX, and Experian verifies, must be done so under oath in the presence of a Notary. 

XXXX, XXXX, and Experian are corporations and lifeless, soulless, entity, they do not have the power to verify any information.
Consumer complaint received 2022-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

Per the contract I and XXXX signed, the loan was to be discharged due to the school closing and the owners of the school accepting me as a student while knowing they were going to close the school. Navient/Sallie Mae have never returned our phone calls in over 14 years. There has also been a recent settlement that our loan qualifies to be discharged under and we still get calls from various collectors saying we owe when we dont. We require the information to be updated accordingly to reflect the loan has been cancelled and the proper agencies notified. Thank you for your assistance
Consumer complaint received 2020-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (OH)

To Whom It May Concern, The reason for my dispute is REVCO SOLUTIONS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, REVCO SOLUTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) REVCO SOLUTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XX/XX/XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where REVCO SOLUTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. REVCO SOLUTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXXXXXX is inaccurately reporting derogatory status to the credit bureaus. On my Equifax and XXXX XXXX  reports they are reporting 30 day late payments on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. To XXXX  they are only reporting 30 days late on XX/XX/XXXX. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. XXXX XXXX has failed to do so
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING XXXX ACCOUNTS LISTED HAS VIOLATED MY RIGHTS : # XXXXXXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX, 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604A SELECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.