davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018 and XX/XX/2018 my grandson 's debit card was compromised and two fraudulent changes were made each day to his account. My grandson 's account was linked to my Primary account. My grandson was notified on the morning of XX/XX/2018 of suspicious activity, he told them that the he did not make the withdrawals from the ATM and that they must cancel the card. 
Since then the bank has determined the charges were our responsibility, they have deducted all money from our checking and savings account. I repeatedly asked for detailed information on how the determination was made for our responsibility, this has not been given to us. They continue to say it is our responsibility, yet do not give us documentation to support their position. 
The last correspondence from the bank was a proposal for us to agree to pay more funds to cancel their claim against us. 
I have sent all documentation to the State of Florida Attorney Generals office in the form of a claim against the bank. The State of Florida has suggested that I submit this claim to CFPB. They continue to not provide requested documentation.
Consumer complaint received 2019-09-11
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. (FL)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ref : XXXX ( XXXX, XXXX, XXXX XXXX, and XXXX ) XXXX ( XXXX, XXXX, XXXX XXXX, and XXXX ) Trans Union ( XXXX, XXXX, XXXX XXXX, and XXXX ) Dear Consumer Financial Protection Bureau : Thank you for taking time to investigate my complaints against the following agencies who have refused 3 times to provide documentation verifying that these are may accounts as per the Fair Credit Reporting Act 609 and 623. The type of problem Im having with the XXXX, XXXX, and Trans Union is refusing to not only remove these items off my credit report, but more importantly disregard my request to show the proper documentation I requested to verify these accounts are mine. After three disputes, XXXX, XXXX, and Trans Union have failed to once again provide documentation that this was my account. They failed to provide me a copy of any viable evidence, being my original signature showing the account was mine. All agencies continue to avoid the FCARA guideline. Neither the credit bureau of the comapnauiies have provide any original documentation such as a consumer contract with my signature as required under 609 ( a ) ( 7 ) and Section 611 ( s ) ( 1 ) ( A ). Furthermore, all bureaus and even the creditors have refuse to provide document. I asked each one of them since they didnt provide documentation to immediately Delete all information which can not be identified.

Please see letters and certified mail which shows my attempts to have the credit bureaus to investigate and if not proven, remove  immediately. 
In, conclusion, I have been maintaining careful records of my communication with XXXX, Trans Union, and XXXX for the purpose of filing a complaint should they be unwilling to comply with Federal Laws. They refuse to comply! Thank you in advance for investigating my claim and I look forward to a swift resolution. 
Sincerely, XXXX
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

I have been in correspondence with XXXX XXXX since XXXX and Credence Resources since XX/XX/XXXX. Once I had received an alert that a negative account was on my credit report. I informed the representative that this account belongs to my mother whom shares the same first and name as myself, XXXX XXXX. I keep requesting in writing for them to provide me with written proof of the service address/equipment received with my address. Of course no one can provide me with this information, because I never had XXXX XXXX in my life. Credence Resources sent an email from me to look at the debt with the passcode ( zip code ) of the address of the debt. Of course I couldn't look it up because the zip code belongs to my mother. They went back to change the passcode to our name. Again I sent a follow-up email immediately informing them that I was not going to open up someone's mail that didn't have my address on it. I have provided proof of my driver 's license with my address for the past 12 years on. My mother and I had both spoken to someone at the XXXX XXXX about the wrong information in their system only to be hung up on. I come home today to check my mailbox to find that Credence Resources have done the exact thing that XXXX XXXX has done which is to take my mother 's information out of the system and to put my information in their system. I have NEVER once received a bill from XXXX XXXX and Credence Resources before until today. I immediately returned the mail because the account will not have my information on the bill. I have had my own cable/internet provider since XXXX and I have sent the records to XXXX XXXX. This debt hasn't been validated by me because this isn't my account, so this company should be immediately removed from my credit reports. This isn't the first time that I had to dispute debts that didn't belong to me but instead belonged to my mother.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collins Asset Group, LLC (PA)

On XX/XX/17 I contracted with XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX Phone # ( XXXX ) XXXX to help with filing my back tax returns. The IRS had already begun to levy my Social Security income for an inflated amount taxes, fees, and penalties. I contracted with XXXX to 1 ) stop the levying of my SS Income. 2 ) File back taxes for six years to correct the amount I owed to the IRS. 3 ) Negotiate a repayment plan with the IRS. Total contracted price to cover their work was established at {$3900.00}. XXXX acquired financing for me through XXXX XXXX ( also known as XXXX XXXX XXXX ). XXXX negotiated a settlement with the IRS and stopped the levying of my SS income after about 3 months. XXXX never filed any back tax returns for me or negotiated a correction in the amount I owed the IRS. I received a letter stating they were then closing my file. I felt they had over charged me for what work they actually done on my behalf. I negotiated with them. XXXX issued a {$2400.00} refund payment to my XXXX account. All was then good with XXXX. $ XXXX a {$1400.00} loan amount. 

XXXX XXXX had charged me an application fee upfront of 5 % on the full {$3900.00} but refused to give me credit for the total loan reduction. XXXX just subtracted the {$2400.00} from the total balance owed and continued to charge me interest on that unpaid balance. I feel I was overcharged on the initial loan application fee, as well as interest on an incorrect total loan amount. When I tried to negotiate with XXXX, they charged off the account and sold it to another lender, Collins Asset Group. Collins Asset Group and XXXX XXXX XXXX are both reporting unpaid accounts to the credit bureaus. They both refuse to correct my original loan amount and unpaid balance owed. Their actions are also hurting my credit rating. Please help me with these abusive lenders.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On XX/XX/XXXX, I initiated a bank-to-bank transfer of {$2000.00} from my XXXX checking account to my Huntington checking account. Almost immediately, the money was removed from my checking account via ACH debit. 

That same day, I received an email from Huntington : " We were unable to complete your transaction ; therefore, the funds have been returned to your XXXX XXXX, Checking [ number redacted ] account. Please expect to see the funds in the account within the next 3 business days. 

We apologize for any inconvenience this may have caused you. '' I called Huntington to ask about the issue, and the customer service rep assured me that my funds would be returned to XXXX. 

This never happened. I called again on Monday, XX/XX/XXXX, to ask where my {$2000.00} was my Huntington account showed no record at all of the transfer, while my XXXX account still said the money had been sent to Huntington. The customer service rep spent about 30 minutes " checking into it '' with a manager, then told me that they'd just released the funds back to me. He said to expect the money back in my XXXX account by Wednesday, XX/XX/XXXX. 

Again, nothing happened. On Wednesday, XXXX XXXXone full  week after the money was " guaranteed '' ( verbally ) to be returnedI called Huntington again. This time, I was informed that Huntington had sent my money back to XXXX, a third-party transfer company, and that it was up to XXXX to accept the money from them. I called XXXX XXXX, and the XXXX XXXX  representative knew nothing about this. 

I spoke to another Huntington representative, XXXX, who said, " Call XXXX, let customer service know a bank-to-bank transfer failed. By XXXX. Ask to file R06 form dispute with XXXX to get funds back into the account. '' I did this, and XXXX informed me that it has nothing to do with them. After four hours on the phone, mostly on hold, the reps at Huntington finally said that they weren't sure what to do. I was instructed to disconnect and " Wait for a phone call from a manager, XXXX, tomorrow. '' The rep was unable to tell me XXXX 's last name or what XXXX could do. 

In essence, from XX/XX/XXXX until XX/XX/XXXX, *nothing* has been done by Huntington to rectify this situation that they caused by rejecting my transfer *after* initiating it. I want nothing more than access to my own moneyand to close my Huntington account forever.
Consumer complaint received 2019-09-11
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. (VA)

After notifying Transunion that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Transunion, presumably accepted my request but without notifying me, converted my request to a dispute instead. Which is in violation of Then 30 days later sent me a correspondence stating they verified the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Transunion verify? Additionally, Transunion refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Transunion has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Transunion refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. Please help me get these fraudulent items blocked from my credit file. 
XXXX XXXX**** {$470.00} XX/XX/XXXX XXXX XXXX**** {$5700.00} XX/XX/XXXX XXXX  XXXX**** {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX**** {$0.00} XX/XX/XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**** {$62.00} XX/XX/XXXX XXXX XXXX**** {$490.00} XX/XX/XXXX XXXX XXXX**** {$84.00} XX/XX/XXXX XXXX XXXX XXXX**** {$18000.00} XX/XX/XXXX XXXX XXXX XXXX**** {$270.00} XX/XX/XXXX Collection/Chargeoff
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

My mortgage company offered me an in-house modification when my house payments continued to rise. Their offer would raise my mortgage balance from {$140000.00} to {$220000.00}. I believed I was at the end of my options and this appeared to be the only way to save my home. The mortgage company was vague about what exactly the charges of doing my in-house modification were going to pay for. The amount they were adding to my mortgage, {$74000.00}, was written down on a document they sent me, but they were leaving out what {$40000.00} was specifically being charged for. After numerous failed attempts to get them to explain what that amount was for, one day I received a letter from them ( by accident I believe ) showing that {$40000.00} was to pay legal fees. To me this is an incredible and unconscionable amount to charge someone for a boiler-plate modification, and to be charged with interest over the life of the mortgage. I reached out to them many times and was basically told it was my job to pay my bills, their numbers add up, and they don't see anywhere in their records that this amount was for legal fees. I scanned and emailed their own document to them showing this to them several times, but they never responded to me about this. I am attaching these documents to my complaint for you to review. Thank you
Consumer complaint received 2019-01-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have sent letters requesting documentation about accts if theae accts are verified i would like documentation that they received to verify sent to me for verification. These accounts are incorrect and Equifax. Has not removed info or verified information like i requested. There is a bankruptcy and 2 XXXX XXXX acct. All i asked for is for this information be verified and if not remove items.
Consumer complaint received 2024-05-18
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

This is for my Amazon Store Card. It is managed by Synchrony Bank. I have entered into a CONTRACT with Synchrony to pay a FIXED AMOUNT of {$27.00} per month until paid in full. Per the website and what I agreed to ... .. '' Your account is now enrolled in our Customer Assistance Plan. As a part of this payment plan, if your account is not already closed it will be permanently closed. Upon enrollment and for the duration of the payment plan, Synchrony Bank will reduce your APR to 0 %. '' I was erroneously and CONTRARY to this CONTRACT charged {$200.00} in interest on XX/XX/2024 and I was charged {$140.00} in interest on XX/XX/2024. I have asked via direct message on the website to correct this error. The response given said that I needed to call in. I will not call this company. To protect my rights I shall only deal in writing. This company has a penchant for saying one thing and doing another. This is yet another example.
Consumer complaint received 2019-09-11
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. (VA)

After notifying Experian that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Experian, presumably accepted my request but without notifying me, converted my request to a dispute instead. Which is in violation of Then 30 days later sent me a correspondence stating they verified the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Experian verify? Additionally, Experian refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Experian has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Experian refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. Please help me get these fraudulent items blocked from my credit file. 
XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX {$5700.00} XX/XX/XXXX XXXX   XXXX {$1300.00} XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$62.00} XX/XX/XXXX XXXX XXXX {$84.00} XX/XX/XXXX
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In XXXX I received an offer from XXXX XXXX about a debt that I owed to XXXX  XXXX XXXX. I was told if I paid the required amount that the debt would be removed from my credit file including the balance that was being reported by XXXX XXXX XXXX. I paid the balance and XXXX XXXX did in fact deleted the negative entry off my credit. However, XXXX XXXX XXXX still refused to delete this account off my credit. I called XXXX XXXX XXXX on many occasions and I was told that they are no longer reporting this account. I was told to put file a dispute and send a copy of my credit report showing that they are in fact still reporting negatively on my credit and the account would be removed but they failed to do so. XXXX XXXX XXXX continues to report that I failed to pay even after the debt was settled with XXXX XXXX. The last report date was XXXX, XXXX.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MD)

On Sunday, XXXX XXXX I Noticed some charges on on my Debit card for XXXX XXXX in the amount of XXXX, XXXX XXXX for XXXX, & XXXX  XXXX XXXX XXXX for XXXX. I disputed this with Navy Federal Checking and they denied not telling me why and not providing me the information they used to come up with their decision. I appealed it and again they denied it is refusing to give what they used to come to up with their decision and still not giving me a reason on denial.
Consumer complaint received 2019-01-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc. (TX)

In XX/XX/2016 I was contacted by phone by a representative of R.S. Clark and associates. This representative notified me that they were attempting to collect a debt that I originally owed to XXXX XXXX XXXX XXXX. The representative explained in great detail that R.S. Clark and Associates was in possession of a contract that I signed with XXXX XXXX XXXX XXXX that included an agreement to pay a debt of over three thousand dollars. I assumed the representative was providing accurate information and agreed to begin making payments but I also asked to be given a copy of the contract as I had no recollection of ever signing such a contract. The representative agreed to call me back after she found the contract. I called R.S. Clark and Associates the following week to follow up and was notified by the same representative that, despite their claim of possessing the contractual agreement between myself and XXXX XXXX XXXX XXXX, she wasn't able to find the contract. I immediately cancelled future payments to R.S. Clark and Associates and have spoken to representatives on several occasions explaining that I've never seen the contractual agreement they claimed the debt was based on and to this day the company 's representatives refuse to address the false information they gave me in their attempt to collect the debt. I've disputed the debt with the company on several occasions and requested evidence that the debt belongs to me, the company responded by sending a print out of a list of financial charges with my name typed at the bottom. Since then I've been notified by representatives that the debt has been reported to the credit bureau.
Consumer complaint received 2019-09-11
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. (DE)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I received a letter from Nationstar Mortgage ( now called Mr. Cooper ) dated XX/XX/XXXX stating no mortgage payment had been paid " since XX/XX/XXXX '' and " all payments from and including that date '' were due. XXXX XXXX XXXX had the loan at that time and I knew some full and partial payments had been made after XX/XX/XXXX through the time we received a loan permanent loan modification at the beginning of XX/XX/XXXX and we now have documents that we finally received from Nationstar or Mr. Cooper which shows those payments even though Nationstar added {$170000.00} to our loan modification mortgage balance based on their belief that no monies had been received after XX/XX/XXXX. It also said that {$200000.00} had accumulated for late fees, NSF fees and other fees and advances. This may have been a mistake since the then Nationstar Mortgage was taking over the responsibility of so many of the former XXXX XXXX loans, however, I do want it corrected asap.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (NV)

Requested a pay off letter reflecting paid in full and closed. XXXX sent a {$0.00} balance letter but still reflects the account being in discharge status instead of paid and closed as requested by me. The letter is also written in deceptive practices showing at the bottom of the letter stating " This is an attempt to collect a debt. This is definitely not a paid off letter. I honored my responsibility by paying off the debt. XXXX should do the same by giving me a true and honorable letter of paid in full.