davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
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: Innovis (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-10-17
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: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have checked my credit reports ( XXXX, TransUnion and XXXX ) and I have noticed that the account with XXXX XXXX closed in XX/XX/XXXX and last paid date on XX/XX/XXXX continues being reported on my credit history. It should not be longer in my credit reports.
Consumer complaint received 2022-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Calls daily, seven days a week, from one of two XXXX, VA phone numbers. Calls twice or more, daily, and hangs up. I call back and get connected almost immediately to a call center where they try to force me to pay someone elses debt from creditors with whove Ive never had accounts. They call me multiple times a day, hang up, and then when I call back one of two people answers and they always give me a different random name for who they were trying to contact at my phone number. Theyve tried to get me to pay bills with cable and phone companies that only operate in places where Ive never lived. I receive these nuisance phone calls from these thieves every single day, despite having blocked their number every time that theyve called.
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (OR)

On XX/XX/XXXX, I wrote a check ( # XXXX ) for {$4500.00} which was subsequently deposited and debited from my checking account on XX/XX/XXXX. On XX/XX/XXXX, the same check was again debited with the same amount from my checking account. At the time, I was starting a business and wearing many hats, I only noticed the error on XX/XX/XXXX, I contacted my bank ( CITIBANK ) bout the issue and they refunded within a week the amount that was debited twice. Again on XX/XX/XXXX, the bank debited {$45000.00} without consulting with me, putting my account in a negative balance. Following a dispute, they sent me a letter dated XX/XX/XXXX stating " We are attempting to collect the difference from the paying bank for check number XXXX which posted for {$4500.00} to your account on XX/XX/XXXX. Due to the time elapsed for your claim, we can not guarantee funds will be returned. ''
Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (TN)

Due to hacking I have loss access to the email account and phone number on my account that is used for logging in and XXXX verification. This allowed for someone to access the account after my bank failed to update the information. On XX/XX/XXXX I created a Sub-account that connects to the main account and transfered {$2600.00}, {$170.00}, and {$75.00} to the sub account in which I verifed that the funds were retrieved and completed. XX/XX/XXXX The sub account had been deleted and the funds are missing. My bank refuses to trace the funds and allow for a dispute, and the bank have not acknowledge the unauthorized activity ; I remain unable to access the account for review.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

I have issued a check from my checking account for {$10.00} payable to elementary school. 
My checking account has enough balance but check was declined with reason account frozen. School has issued a debt collection letter for {$10.00} + {$30.00} fee = {$40.00}. 
It was so embarrassing for declined check of so small amount + costed me {$30.00} fee. 

Upon contacting Citi bank, I was told that even though checkbook was issued by Citi. It is citi policy that check should have been activated before using hence auto declined. 

Contacted Citi bank via online chat on XX/XX/XXXX at XXXX CST. I was on chat for hour with 90 % wait/hold time ( Citi should be able to check thr record ). such a poor customer service
Consumer complaint received 2017-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (IL)

I have had my account for with this bank for more than four years, and I have made 100 's of money transfers. This time the account would n't allow me to make the transfer without changing the date to reflect the next day, even though it was at  XXXX  on the first. I was to make the date the second, which was correct. When I did the bank then charged me two overdraft fees. When I spoke with a bank official I was first told that I did n't make the transfer until   XXXX   XXXX  , and when I told the bank official that I could prove that was n't the case, she then changed her story to the cut off time is   XXXX   XXXX  . When I told her that the years of my account would show that has never been the case, and that no correspondence that the bank provides has ever stated the cut off time as   XXXX   XXXX   XXXX   <P/>
She then told me that the bank would only allow her to return one of the overdraft fees and that she would n't be able to return the other. When I asked why is it only one of the fees can be returned and not the other she stated she was n't able to tell me that. I told her that this to me appears to have been done intentionally. I further explained that if the cut off time was   XXXX   XXXX    why is it  that my direct deposits do n't show up until after   XXXX  , she claimed that was when the bank received the money, which I know is not true. When I reminded her that she could look at the history of my account and it would be able to tell her that 's not true, she said that had no bearing.
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I would like my overdraft fee of   XXXX    dollars returned to my account as this was n't my fault, and was done intentionally. I would also like my deposits to reflect when they arrive at the bank not when the bank wants to give it to me.
Consumer complaint received 2022-03-22
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. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-03-22
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. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2023-11-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

Jefferson capital systems has contacted me about a debt that was result of identity theft back in XXXX. According to the law 15c it was supposed to be deleted years ago when I reported it. I also did not receive proper debt validation. 
In the amount of {$2300.00} Jefferson capital systems knows this was a result of identity theft.
Consumer complaint received 2022-03-22
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Upon reviewing my consumer report i recognized some inaccuracies on my credit report that have hindered my ability to extend credit. According to Congress of the United States pursuant to title 15 USC 1781 an inaccurate and unfair credit report directly impairs the efficiency of the banking system undermines the public confidence which is essential to the continued function of the banking system. I require the 2 fraudulent collection accounts on my consumer report by XXXX XXXX XXXX opened XXXX XXXXbe deleted and removed immediately and its fraudulent and innacurate nature is very damaging to my reputation, My Consumer rights have been violated and this unfair reporting has hindered me from enjoying the pursuit of happiness as gauranteed by the constitution in accordance with FCRA 650 title 14 USC 1681c-2 Block a consumer reporting agency shall block the reportingof info on a consumerr file that identifies as resulting from identity theft. I require this account be removed immediately
Consumer complaint received 2023-06-28
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: SYNCHRONY FINANCIAL (CA)

Hi thank you for helping long story sorry. I bought a necklace thru XXXX which arrived different than the description. It came with three loose beads so I sent it back to XXXX and they said I damaged it and tried to send it back to me. Then I opened a case with PayPal credit company which is run by synchrony bank. They denied my dispute saying the seller refuse to give money back because he did not receive the item back. The item was with XXXX they tried to send it to me and they lost it in XXXX Later they found it XXXX and they ( XXXX ) had the item since. Now I dont have the item and my financial institution charged me back with the amount I purchased. Thank you so much
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I am trying to refinance my mortgage that has an interest rate with Chase of of 7.25 % to a FNMA HomeStyle mortgage with XXXX XXXX XXXX XXXX ( XXXX ) at an interest rate of 3.5 %. Chase has been holding up the closing of the refinance due to their attorney being non-responsive and now telling the closing attorney for XXXX that it is going to take another four to six weeks to get the documents signed. In the meantime, the contractor is on hold, the costs of building materials continues to increase, I continue to have to pay over double in interest, am incurring fees to update the appraisal and extend out the lock period. 

Per Chase file was sent to their attorney in XX/XX/XXXX as I had started the process of refinancing from Chase to XXXX. 
As of XX/XX/XXXX, XXXX  closing attorney was waiting for a corrected assignment of mortgage ( AOM ) for the CEMA docs from Chase attorney. XXXX attorney made multiple attempts to reach and obtain the corrected document between XX/XX/XXXX and XX/XX/XXXX to no avail. I called Chase on XX/XX/XXXX. The Chase representative stated that they would reach out to their attorney to expedite. I called Chase again on XX/XX/XXXX as the PHMC attorney was still not getting a response from the Chase attorney. I advised Chase that I would be putting in a complaint with the CFPB. The PHMC attorney received the corrected ( AOM ) shortly after I hung up from speaking with Chase. This morning I have been advised by the XXXX attorney that the Chase attorney is now stating that the turnaround time to get the signed documents is four to six weeks. In the meantime, Chase has not hesitated to continue to send me information on how quickly they could complete a refinance for me. 
This is causing me stress and a serious financial hardship. It may well also adversely affect the appraisal. My appraisal is based off of the after improved value of my home after the repairs and renovations are completed but the continued delays are causing an issue with the scheduling of the contractor and the costs of the materials is increasing.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (CA)

Received phone call from XXXX XXXX XXXX. I called back. They are claiming to represent a mediation for the company easymoney for a loan from 2019. They had all my personal information. They stated that they are going to sue me for XXXX . I called easymoney at XXXX. They have no record of any loan with me.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

n accordance with the Fair Credit Reporting Act hard inquires XXXX  XXXX ( BANK ) and XXXX ( finance ) posted on dates XX/XX/XXXX and XX/XX/XXXX respectively are violations my rights and is a committance of illegal reporting. These are unauthorized inquiries that I did not initiate. 15 U.SC 1681G ( a ) ( 5 ) States A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (OR)

I opened up a Representative Payee account at US Bank on XX/XX/2021. I have been selected to be the Rep. Payee by the Social Security Administration to manage my moms Social Security. My mom is the beneficiary on the account ( but does not have access ) and is considered a senior ( XXXX  years-old ). My job is to pay her bills and provide her the difference for living. My mother only receives {$770.00} a month in Social Security. After I pay her rent she is left with only {$130.00} for the remaining month to live off. US Bank charges {$6.00} a month for this account unless certain requirements can be maintained. US Bank requires a minimum of {$1000.00} to be direct deposited into the account ( for the fee to be waived ) and I can not meet this requirement. Over a total year, the fees can add up to almost {$84.00} which is XXXX  percent of my mothers income. I have spoke to the Contact Center and they stated I should be able to get a, Senior indicator on the account so that this fee is permanently waived. She stated she could not help me with a fiduciary account as she doesnt open them, but I could go to a branch to have a manger help me. Today I went to the branch to explain the situation and the employee stated that because my mom is not a joint owner on the account, they can not add that indicator on there for me. My mom can not be joint on the account because its a Rep. Payee account. The employee stated they can waive it for the remaining year, but I should look into other options. This is ridiculous. This is a fiduciary account meant to protect my mothers Social Security funds. She is XXXX, elderly, and we can not open up other accounts with another bank given her situation. I want this fee removed off of this account. Does US Bank do this to all fiduciary accounts? Do they take XXXX individuals means of living who are on strict incomes? This is discriminatory to XXXX individuals, please help.
Consumer complaint received 2024-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (ME)

Since my student loans were transferred from Great Lakes, I am having continued issues with repaying my student loans on Nelnet. Nelnet has returned my payments on almost every single occasion, citing 'Your recent payment could not be processed because your financial institution was unable to process the transaction '. 

This has happened with the following dates ; XXXX XXXX XXXX XXXX XXXX I have re-entered my direct bank account info, tried paying with a card, spent hours on hold with their call center and have sent multiple emails. I am completely frustrated and now there is a greater financial burden falling behind on payments because of their inability to service these correctly.
Consumer complaint received 2022-03-22
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. (CA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (FL)

I have had an account with this company for a little longer than a year. I went to sign in and am getting an error that my information is not valid. I have attempted to reset my password via the website and the link is not being sent to me. I have tried 5 times since XX/XX/XXXX to reach out to the company for assistance and no one has been in contact with me. I would like a response and provided assistance to access my account so that I may access my funds.