davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

Multiple times with the latest being XX/XX/XXXX chase has manipulated the order credits and debits come out of the account so they can collect late fees. I have receipts and screen shots showing a positive balance after a deposit and the next morning there are multiple bounced checks. First time i brought this up it was made right and I was told deposits have to be made before XXXX no mention of eastern time. This last time i made sure my deposit was before XXXX and now they are saying XXXX eastern. Their reps should no this stuff. On top of this they organize the transactions so they can maximize the amount of things over drafting. they had a class action lawsuit XXXX dealing with this exact same thing.
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (NY)

Today at XXXX EST I received a call at XXXX ( which I am assuming was an auto dialer ), that I unfortunately missed. I returned the call to get answered by a woman who I could not understand because she spoke so fast. I asked her to stated where she was calling from she played games with me by saying " I didn't call you, you called me ''. She refused to identify where the call originated from. She then began to laugh and hung up on me. It was incredibly disrespectful and unprofessional. 

I called back. It was another female. Same thing, refused to identify where she was associated with and hung up on me. This happened a few times. Then a man answered the phone and claimed to be a supervisor. He was just an unprofessional as the others. Speaking over me, laughing and cutting me off. However, what he did was disclose information about my husband without verifying any of his or mine information. He started spewing off details such and his employer and personal information. To my knowledge this is a violation of privacy and FDCPA. 

I called back again and spoke to a gentleman and yet again was not given information about the call. Instead our home address was provided to us as well as a former employer. My wife advised of the FDCPA and that I worked for a XXXX XXXX. The mans response was a laugh and then followed with Your husband is a XXXX   ... He works for XXXX XXXX After this my wife called me to inform me of the calls when we made a 3 way call. I identified myself as requested as Mr XXXX ... we began to discuss our experience when we were told we were harassing the company and were hung up on. 

Upon several times calling back we were picked up and then immediately hung up on.
Consumer complaint received 2019-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

I have a credit monitoring service that I pay for monthly. I discovered a new collection on my credit report by a collection agency called IC Systems who allegedly state they are collecting for XXXX XXXX. 

Around XX/XX/XXXX, I disputed this account with XXXX XXXX as well as a collection agency called XXXX XXXX. This account was demmed to be open fraudulently and was removed from my credit reports on XX/XX/XXXX. Now this collection agency called IC Systems has placed the same collection back on my credit reports. I have never heard of this collection agency nor did they give me the opportunity to dispute the validity of this debt. This account does not belong to me!!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have consistently disputed the inaccuracies in the following information with XXXX, XXXX, and TransUnion. Unfortunately, the issue persists and remains unresolved to this day. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

TransUnion 1. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX  Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX ; XXXX XXXX XXXX reported to Equifax a debt from XXXX XXXX of {$1600.00}. 
I disputed with Equifax XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) about the validity of the debt. Equifax only listened to the XXXX XXXX XXXX and repeatedly sided with them stated, the debt was verified as valid. 
XX/XX/XXXX, I filed a complaint with XXXX XXXX of XXXX XXXX and the debt was reduced to {$230.00}. This debt was paid on XX/XX/XXXXXXXX 
This debt is still posted on my credit file.
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I went for depositing cash at the Bank of America ATM situation near at the bank location XXXX XXXX XXXX XXXX, XXXX, IL XXXX on XX/XX/19. I sold my motorcycle and had total cash of {$5700.00} ( XXXX {$100.00} ) bill. I drove to the drive-through ATM at the above location in the morning. I logged into my account using my Debit card, entered the pin and chose the option of " deposit ''. The message said I can deposit up to 75 notes. Though I had only XXXX notes, I went ahead with the deposit. The machine took the cash and I heard the machine count cash for about 30 seconds and after 30 seconds I got an error message on the screen saying " System out of service ''. it luckily gave me a receipt of the transaction. The receipt said, that I had deposited {$300.00} and the receipt said there is a problem and asked me to raise the claim on the number from the receipt. I raised the claim and the message i got from the claim that a temporary credit of the missing {$5400.00} will be done and the investigation will continue. After 10 days, I got the email on XX/XX/19 stating that they have checked the ATM machine and could find only {$1800.00}. So they will take back the amount credited the balance of {$3600.00}. I requested for the claim to be investigated again. They stand by their original analysis. 
I definitely feel that there is some disconnect or someone is stealing cash. That if they look at the ATM video, they should be able to find that I deposited a big stash of cash that would count to a total of XXXX notes. I definitely feel that someone is either sealing cash or there is something wrong with the investigation. 
I am attaching the receipt from the ATM machine and the withdrawal receipt from the motorcycle buyer. That has to prove that how much cash approximation on which we made the deal.
Consumer complaint received 2019-04-24
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: JPMORGAN CHASE & CO. (WA)

Hello Since XX/XX/XXXX I have had numerous inquiries on my credit report by Chase Bank, Chase Card, XXXX XXXX XXXX XXXX, and XXXX Credit Card by Chase. These seem to all be related to Chase. 

XXXX on XX/XX/XXXX & XX/XX/XXXX ( other dates were removed ) XXXX on XX/XX/XXXX ( other dates were removed ) I contacted Chase twice to let them know I have never applied for a card for them or for an XXXX credit card with Chase. I asked if they would provide me the information used to apply using my name but was denied the data. Twice they placed a 90-day hold but each time it is lifted a new inquiry shows on my credit report. I have also contacted the credit bureau to have them removed off my report and to have a note but do not see one listed. 

A number of years ago I closed my banking account with Chase Bank due to the bank releasing funds for a bill I did not owe using an old debit card number. Is there any way I can get Chase to halt these inquiries? 

Thank you
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

We entered into a loan modification on XX/XX/XXXX, the terms of the modification were to be at a fixed reduced rate from XX/XX/XXXX through XX/XX/XXXX. We were told that if we made ALL of our payments on time that after the " fixed rate '' period they would re-negotiate our loan modification. After several months of back and forth, two loan modification packages, countless emails & phone calls the lender is not willing to modify our Option ARM loan whatsoever. It should be noted that when we originally got the loan in XX/XX/XXXX we were told it was XX/XX/XXXX ARM, we had no idea it was an Option ARM loan. Also, the final forms for our modification were forged by the lender, they are clearly not our signatures.Furthermore the lender just sent me an ACT 91 Notice on XX/XX/XXXX yet they have filed foreclosure paperwork with the courthouse. The contact information on the ACT 91 notice is false, the contacts do not exist, the phone number is never answered and the email does not work. We feel that our legal rights of due process are being violated as the lender is not following PA law. They are not honoring their prior commitment nor are they allowing us the opportunity to re-apply for a loan modification.
Consumer complaint received 2019-02-09
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 am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX INQUIRIES : XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (AL)

I thought someone had made transactions from said account. I didn't do it but I did manage to cancel manually through online access. Startled, I asked for the account to be investigated and this brought on suspension since, XX/XX/2022. I called in several times and all accounts were stated as recorded. No one can release nor unsuspend my account from investigation. Therefore, I had the right to disregard the investigation and asked for cancel of investigation to open access to my account. My Rewards Checking account has {$340.00} of my own money in it and I have had NO access since XX/XX/2022. I need access to my funds or send me a check for the remainder is what I further stated before getting frustrated. Can't access my own funds is ridiculous!
Consumer complaint received 2019-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (NV)

XXXX, XXXX continues to attempt to collect a debt on behalf of XXXX XXXX XXXX that has already been paid. The total is {$350.00}. XXXX 's response was that the proof of payment I sent in was for a different account : XXXX and because it was a wrong account, XXXX XXXX XXXX provided me with a credit. That is simply not true. The proof of payment which I include again here shows the following account number on the memo detail as provided by XXXX XXXX : XXXX - that is the account XXXX is attempting to collect for. If XXXX XXXX XXXX did not log the payment correctly despite the clear indication in the memo section that it was for the XXXX account, that is a XXXX XXXX XXXX issue. In fact XXXX has confirmed with me that they had not correctly logged it. If XXXX says I got a credit of {$350.00} and as such continues to collect, I have a right to see the proof of credit/cashed check. I called XXXX and stated that I have a proof of payment from my bank which shows I paid the {$350.00} and that the XXXX is clearly on the proof of payment. XXXX agent XXXX stated that XXXX XXXX XXXX said they never received payment and speaks of the same credit. 

XXXX states I received a credit however shows no proof of credit or any cashed check by me but I will review if they provide it. If XXXX is going to reply to this complaint, I would like proof of these credits in the form of cashed checks. That will help sort it out. I also include herein the cashed check with the account number XXXX  is attempting to collect. 

I oversee a legal department and am familiar with Debt Collection practices and the rights afforded to consumers. I expect not to just receive a reply saying I got a credit w/o supporting documentation of a cashed check. Simply stating one was mailed or given w/o proof of receipt in the form of cashed check is insufficient. 

Those attempting to collect the debt : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX , Mo XXXX account # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX account number : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , KY XXXX
Consumer complaint received 2023-01-27
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. (FL)

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-17
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: EQUIFAX, INC. (SC)

Ive reached to Equifax via letter to advise of these inaccuracies reporting on my credit report and asked for proof and validation of the items in which Equifax failed to provide me with the proper documentation. I sent that same letter to XXXX  and in which they werent able to provide proof which caused them to remove these items from my credit report. This negative thing is causing such great stress in my life which is causing me to not be able to move forward in my career and purchase new things such as home because of these inaccuracies. I am demanding for these items to be removed immediately otherwise I will seek legal action against the reporting agency, Equifax.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: JPMORGAN CHASE & CO. (MD)

This is the last info on the J P Morgan- credit card that Fema and Home Land Security gave me. The auto recording that J P Morgan had on said that I owed them XXXX I only had XXXX so I gave the JP Morgan Bank- back in XX/XX/2018- thinking that these apartments that I stayed in had not been paid, I did talk to the apartments in XXXX Fl- they use XXXX and they informed me that they were paid in full, then the auto machine came up with a XXXX credit for me, I said I do not need a credit, and the staff member said that they would send me the XXXX. It never came JP Morgan sent XXXX instead and my bank took back the XXXX that was in the credit file for me for nothing, so that is {$4700.00} and I am closing this case now, and JP Morgan has XXXX in my credit file, and I hope they send me that also. 

Thank you CFPB for all your help
Consumer complaint received 2019-04-23
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)

On Friday, XX/XX/2019, I gave XXXX XXXX /XXXX XXXX   XXXX permission to use my debit card to pay a payment of {$540.00}. Within a hour I checked my account and discovered I was {$1100.00} over drawn because the XXXX XXXX/XXXX XXXX XXXX had tried to take {$540.00} and {$1500.00}. I immediately called my local Chase Branch to inform them I did authorize the {$1500.00}. I was advised by a man there to call the XXXX credit to let them know I would be stopping that payment at a cost of {$30.00} to me. I called and talked to XXXX XXXX. She informed me there had " been a glitch in the system and it was immediately voided and recalled ''. I called the local branch back and spoke with a woman. She explained that stop payment was not allowed because I had used my debit card however if it was recalled " it would be batched at midnight '' allowing the money to be returned to my account. On Saturday, XX/XX/XXXX, the money had not been returned. I called the 1800 number for assistance. A woman there said that this is considered fraud. She stated that would receive " a partial refund on the next business day pending review ''. On Monday, XX/XX/XXXX, nothing happened and I continued to be overdrawn. Today, Tuesday XX/XX/2019, I called the bank branch and was sent elsewhere.I believe it was the fraud department. I spoke with several people there. I was transferred from one supervisor to the next. One person said it wasn't fraud and I would have to wait for the XXXX credit to remove the charge.I was told by one person it would 3-5 days. Another told me 3-4 days. Finally another one told me 2-5 days. I was on the phone with a man named XXXX. He said to me " you cant wait another two days? ". I was very upset and demanded to talk to his supervisor. XXXX stated " hes gon na tell you same thing I did. I have told him everything ''. Again I demanded to talk to his supervisor. XXXX said " is it gon na make a difference? ". I explained that it would. I needed to know why after 5 days of knowing that it was an inappropriate charge and that it was overdrawing me was no one doing anything. XXXX said " well its a computer and we just have to wait ''. I asked if there were not people controlling these computers and I was told " no ''. He finally transferred to XXXX. XXXX said he was really sorry to have this happened and that he " would temporarily fix it ''. He put the {$1500.00} back in my account and had me check while we were on the phone. This had been " temporarily been resolved ''. XXXX then said " I'm gon na ask you a question but you don't have to answer it ''. I said " OK whats the question ''. XXXX asked " what do you need to spend the money on? ". I him it was for " gas and groceries ''. I feel that I was discriminated and demeaned by the question and his attitude. I felt forced to answer as I needed my money and that if I declined to answer he would undo the " temporary fix ''.
Consumer complaint received 2024-03-04
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Delete the late dates of the disputed items from my credit report immediately as mandated by the FCRA, and cease the inaccurate reporting, or face legal consequences for non-compliance. The failure to respond appropriately within the specified time frame will result in further legal action for the violation of my rights under the FCRA. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Consumer complaint received 2022-10-09
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. (NC)

In accordance with the fair credit reporting act XXXX account # 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 XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (FL)

All inquiries have been made on my credit profile between dates of XXXX XX/XX/2022 I have reached out to all creditors to get information deleted and there has been no response I have provided the credit bureau with proper documentation stating that the inquiries are ongoing and they need to be deleted but I have not received any response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-17
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: CITIBANK, N.A. (FL)

Hi, I just checked my XXXX XXXX to see how I am doing and my score had gone down XXXX points. I clicked on it and it said I have a hard inquiry from XX/XX/2018 and all that is there is " CBNA '' and " XXXX XXXX XXXX XXXX '' and that is all the information that I have. I do not know what it stands for nor did I give permission to anyone/ anything to get a copy of my credit report. I also have not applied for anything so I do not know what this is and why it is on my record. Is someone trying to impersonate me because this is very worrying.