davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
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: Windy City Capital Management, LLC (TX)

XXXX Credit Card sold tobWindy City Capital Management, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Il XXXX. I received letter ant owed. I called and set payments thru pay bills from my checking acct. Paid a small amt as on all my medical/credit card bills. Windy city sold acct to XXXX XXXX XXXX who left threatening harrasing msg on my phone. I called them. They offered high settlements. We then agreed on XXXX a mth but wanted me to give them my credit card or bank #. Told XXXX and XXXX XXXX I would not. They would not give me their address/info. Gave a XXXXXXXX XXXX XXXX,, XXXX, IL XXXX. I told them I don't mail money to questionable comp who didn't send me validation notice, what I owe and info abt their company. Said I would see them in court. XXXX XXXX angry. Called XXXX with Windy City Capital Mgmt asked why I was being harassed after making a payment. She became very rude. Asked why she sent my acct to scam comp making threatening calls. She hung up.
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX I opened an HSBC Advance Checking account with a bonus promotion code of XXXX. This bonus promotion code stipulates that I would receive {$350.00} after meeting some conditions which include : Deposit {$10000.00} within 30 days of account opening and maintain {$10000.00} for 90 days. Also included in terms is that HSBC customers who held an account between XX/XX/XXXX and XX/XX/XXXX would not be eligible for this promotion. I can confirm that my previous HSBC checking account ( Choice Checking ) was closed on XX/XX/XXXX, which makes me eligible for this offer. I can also confirm that the initial {$10000.00} deposit was completed on XX/XX/XXXX and was kept for 90 days, well past XX/XX/XXXX. I have not yet received this {$350.00} bonus promotion. I have attached the terms of the offer. 

After contacting HSBC, they can not determine why I have not yet received the promotion. I have contacted them multiple times and each time no representative will escalate the call and constantly say " They have opened a ticket and will follow up '' with no follow up calls. Extremely poor customer service.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (NY)

I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX I wrote a check to XXXX XXXX XXXX for $ XXXXand on XXXX XXXX one for {$30000.00}. XXXX XXXX construction never received these checks. 

The checks were stolen by XXXX XXXX  XXXX XXXX. a non- employee for XXXX XXXX XXXX . He deposited the {$72000.00} into his personal account at Chase Bank. The bank should have never allowed the deposit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, Florida XXXX XXXX
Consumer complaint received 2022-03-12
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. 

remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.
Consumer complaint received 2018-10-24
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. (TN)

" " '' I have disputed this this Charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX  and XXXX  have Deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-03-20
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. (MD)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$16000.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-03-12
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: CLGF Holdco 1, LLC (NC)

There are three credit card accounts with Genesis FS that show as closed and keep being sent to collections ruining my credit report. I am not aware of where these accounts come from and they are ruining my life. I have reached out to have the accounts deleted but the company has been no help the account are listed as other companies such as The XXXX XXXX XXXX, feb destiny, and cb indigo I have done my investigation and they all link to this company with the same phone number and XXXX XXXX XXXXXXXX XXXX, or XXXX, XXXX
Consumer complaint received 2022-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/2022, My debit card was charged unauthorized by three different merchants. 1. XXXX  {$74.00} 2. XXXX  {$250.00} 3. XXXX {$900.00}. On the same day, I called Chime customer service to have my card block and charges disputed. I was told I had to wait until the charge post to my account. I used the Chime app to dispute XXXX and XXXX on XX/XX/2022. On XX/XX/2022, the claims for XXXX and XXXX was declined because the bank found no error with the charges. Those charges were not made by me nor with my consent. My card is covered under XXXX XXXX I have procession of my debit card at the time of the transaction. My card information was compromised and someone was able to use my information. No items were received at my home so I am sure the fraudster used another address to have items ship in which doesn't match my account address on file.
Consumer complaint received 2023-03-20
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. (MD)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX
Consumer complaint received 2018-10-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (GA)

This Complaint is to address the false information being reported against me, as well as the unfair practices by Capital Accounts LLC. 
1. Date of Delinquency is being reported as XX/XX/XXXX, however, this is not the date I was seen or service performed. My records along with the records from my insurance company report DOS XX/XX/XXXX. 
2. At the time of service, I paid {$81.00} as instructed by the office manager, prior to any services being rendered. When the dentist filed a claim with my insurance on XX/XX/XXXX ( 7 days before the day being reported ) it was in the amount of {$130.00}, my insurance paid {$68.00}, with my responsibility being {$67.00}. This means Dentist office owed mt {$14.00}. 

3. A debt collector has been changing the amount owed every month since it has been reported XX/XX/XXXX. 
4. No one has ever sent me anything validating this debt. However I have been denied credit on account of this UNLAWFUL Debt, & it has taken my credit score down every month since XX/XX/XXXX That is 5 years anywhere from 3-6 points over the past 72 months. 
I will be contacting an attorney over this, I demand a response validating this debt, the amount and how you justify changing the amount every month for past 82 months, and where you attempt to contact me about this debt I do not owe. 

According to the Fair Debt Collection Practices Act, Capitol Accounts is in violation of the following, but not limited to ; 808 ( 1 ), 809 ( a ), 809 ( 1 ), 809 ( 3 ) & ( 4 ) *this is not an exhaustive list, many other violations
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

I have a property that was scheduled to close on XX/XX/2018. The buyer already had a mortgage commitment letter from Citizens Bank in XXXX RI. One hour prior to closing the closing attorney for the buyer notified me that Citizens Bank would not release the closing paperwork and would not provide the closing funds to the buyer. I had a closing on a new property scheduled for XX/XX/XXXX in a different state and my furniture was already in transit to clear the property for a walkthru. By denying the load at the last minute, it caused both closings to fall through and now my property is back on the market and I am currently renting in the new state. I called Citizens Bank to get an explanation on why they waited until the last minute to deny the loan to my buyer and they would not provide any explanation. The lawyer stated that it was because of a another property that the buyer had that was properly disclosed during the loan process. I have spoken to several bank managers and was told this should not happen hours before closing. This situation has caused me thousands of dollars in unexpected expenses and now I have to put my house back on the market at a less than ideal time of the year to sell.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

My Daughter purchased a bed from XXXX sleep with her Chase Credit card. Then due to other Chase 's mess ups and lack of response on other issues related to her credit card she closed her Chase credit card which they finally did. 

In AXX/XX/XXXX, she returned the bed t Nectar sleep who have been trying to help her all along and informed her that she would get a full credit but it had to go back on the credit card. She told XXXX that the card was closed but they informed her they had to send it back to the card it came from. they have provided documentation of the refund which is attached. 

She then contacted Chase to get a refund at which time Chase started telling her the account had be closed and then purged and they could do nothing for her or that they never got the money and finally that they said they couldn't help anymore and not to email back because they would not respond to any more emails. 

We contacted XXXX and they confirmed they sent the refund but didn't get it rejected so it was still with Chase. 

We have attached copies of emails between XXXX and us and some of the emails between us and Chase for your review. 

She is out {$710.00} which she can not afford to lose. 

companies : XXXX - retailer who issued refund. 
Chase Credit card - card company who say they can't help us I am helping my daughter so I added my name as additional card holder because you had no other option below
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I contacted Fifth Third Bank on XX/XX/XXXX to make payments. The Representative I spoke with imputed my debit card information for the payments. He made the statement " the payments have been successful ''. I then asked him to schedule XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX payments for my debit card automatically so I wouldn't have to worry about it since I travel. He then set up the payments for me for each month on the 16th. I received a call from Fifth Bank on XX/XX/XXXX letting me know I was behind on my payments. I contacted Fifth Bank on XX/XX/XXXX in the am to discuss why my payments were not deducted in XX/XX/XXXX. The representative who I spoke with said it was not taken out, but it was not an NSF item either. I explained to her I contacted Fifth Bank Representative in XX/XX/XXXX to make my payment. She said she did see this documented and she did not know why the payment was not deducted. I asked her if it was because he might have imputed my debit card incorrectly into the system, if so why did he inform me the payment was successful. I explained to her they put a negative rating on my credit report which was incorrect due to the representative incorrectly informed me of the payment I made. She indicated this could be the case since the payment did not indicate an NSF. I asked her to remove the negative rating and she informed me I had to contact Consumer FinanciaXXXX. I have investigated Fifth Third Bank and unfortunately have seen numerous negative comments concerning this business. I am hoping in the future their representatives will correctly complete transactions for their consumers.
Consumer complaint received 2018-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

I am reaching out for assistance with a payment made to Navient. 

A payment was initiated by XXXX XXXX on XX/XX/18 to Navient electronically. The payment was in the amount of {$4200.00} which was to payoff my final Navient loan. On XX/XX/XXXX, I realized that my payment had not posted and it was then discovered that the account number was one digit incorrect. 

At this time, I contacted Navient. I spoke with a CSR who informed me that I needed to send proof of payment through my online account and they would reroute the payment to the correct account. I was given a 7-14 business day resolution time-frame with it being complete on XX/XX/18. 

On XX/XX/18, my payment still had not posted so I called again. The CSR at first stated that they still had my payment and that I would need to wait 10-14 business days for it to post. I had already waited that time so I pressed about it being a high priority. She placed me on hold and then said that the payment had actually been sent back to the bank on XX/XX/18. She can not give me the bank name, routing, account, reference number, trace number, etc. As of today, XXXX hasnt received the refund. The Navient CSR gave a 7-14 business day window to get the payment back. An electronic payment does not take 7-14 business days. I need assistance tracking this money down so I can payoff my loan. 

Thank you, XXXX XXXX
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My SSN was in the XXXX breech and XXXX XXXXXXXX Breech and my credit has Been ruined ever Since I always had good credit and now I cant even get a bank account or A XXXX pack of gum!!! Please help without credit in American you cant do XXXX buy a house Car nothing please help, Who do I ask for a XXXX?
Consumer complaint received 2022-03-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (TX)

I have a XXXX Account with Optum XXXX. I submitted a claim for reimbursement on XX/XX/2022. On XX/XX/2022, payment in the amount of {$420.00} was issued as a check. But the check was send to my old address and I never received the check. On XX/XX/2022, I contacted Optum XXXX and I was told that the check has been cancelled and an ACH has been issued. On XX/XX/2022, I contacted Optum XXXX again and I was told that since the ACH has been issued, there is nothing Optumn XXXX can do in this regard. When I login to my XXXX account, I can clearly see that there is no bank account associated with the ACH that issued. Although, there is a bank account saved on my account and hundreds of reimbursements have been issued to my account over the years. I need Optum XXXX to take responsibility of issue and resolve this matter. 

Below is the transaction details from the Optum XXXX website : SERVICE INFORMATION TOTAL CLAIM AMOUNT {$420.00} APPROVED AMOUNT {$420.00} PAID AMOUNT {$420.00} NOT YET PAID {$0.00} STATUS Paid VENDOR / PROVIDER XXXX XXXX XXXX TYPE Optometrist Services SERVICE FOR XXXX XXXX DATE OF SERVICE XX/XX/2022 SUBMIT DATE XX/XX/2022 XXXXE Reimbursement Request ACCOUNT ( XXXX ) PAID FROM XXXX {$420.00} PAY TO BANK NAME ACCOUNT NUMBER ACCOUNT TYPE CHECK SENT TO XXXX XXXX PAYMENT DETAILS ACH # XXXX PAYMENT SENT XX/XX/2022 PAYMENT CLEARED AMOUNT {$420.00} CHECK # XXXX PAYMENT SENT XX/XX/2022 PAYMENT CLEARED AMOUNT {$420.00}
Consumer complaint received 2018-10-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I have contacted the 3 Credit Bureaus ( XXXX, XXXX, and TransUnion ) about a bankruptcy appearing on my credit report from XX/XX/2010. I asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX and XXXX, two affiliate credit reporting agencies. Under the FCRA laws, these agencies MUST receive their information directly from the creditor of the account, or it should be removed from my credit report. As you can plainly see in this letter from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and all 3 of my credit reports.
Consumer complaint received 2022-07-11
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. (IL)

In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-20
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. (PA)

in accordance with the fair credit reporting act the names and addresses that i have described below violates my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 Section 602 Amy right to privacy.,, these following names or alias and addresses are not known or old or no longer have any association with myself. 
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 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 2022-03-12
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. (MD)

I disputed the inquiries online with Equifax and was advised credit inquiries were factual that stay on record for two years but was advised to file a report with the XXXX however, I was directed to the CFPB website. I contacted XXXX via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and XXXX, it has already been removed from Equifax. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.
Consumer complaint received 2023-03-20
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$9200.00}