davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (HI)

Every time I call Chase XXXX XXXX XXXX and ask them where they sent the XXXX XXXX  I earned from using the Chase XXXX XXXX  XXXX, the customer service representative says " I don't know what XXXX  account we are sending the miles to at XXXX. '' Sometimes they give me a fake number to shut me up, sometimes they say " I will transfer you to my supervisor '' and simply put me back into the queue to wait another hour for a customer service representative to answer ( instead of his supervisor ). XXXX says they have no idea to which account Chase is sending the miles, and Chase is claiming they have to ask XXXX which XXXX account is associated my credit card ending in XXXX, and it will take another 2 weeks to hear back from XXXX. Chase is simply running around in circles. If Chase is telling the truth that they sent XXXX miles to XXXX XXXX, then Chase knows which account they were sending the miles to. The Chase credit card statement does not reveal the XXXX XXXX account number, and it should. Since I started to complaining to Chase, Chase began retaliating against me, by denying every attempt I have made to use their credit card for my purchases.
Consumer complaint received 2021-12-10
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. (GA)

XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX - these accounts have been disputed multiple times and came back verified, I supplied proof to each bureau that the creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for XXXX seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for XXXX XXXX has already removed both of these accounts due to serious errors in reporting
Consumer complaint received 2022-03-26
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. (MD)

I have sent multiple letters to TransUnion ( XX/XX/2021, XX/XX/2021 as well as others ) asking to prove or remove inaccuracies on my credit report. I never received proper validation nor was the errors on the accounts removed. 

Please see attachment for latest letter sent to TransUnion.
Consumer complaint received 2019-08-06
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. (NY)

On XX/XX/2019, 2 separate pending withdrawals for {$2000.00} appeared in my Chase checking account that were not authorized. These were " XXXX  with XXXX '' withdrawals. I have never used XXXX or XXXX. I do not recognize the names of the individuals whom withdrew the amounts. Chase will not stop the transactions. 

I want my money back from Chase.
Consumer complaint received 2019-08-06
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)

i keep send my letters in about my account that dose not belong to me at all i have sent two letters in all ready about this Situation on XXXX of 2019 and XXXX, XXXX 2019 these are the account dose not Belong to me at all. XXXX 'S Never had this card or account.
Consumer complaint received 2021-12-10
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. (AZ)

I've contacted the Company that is holding my account " XXXX XXXX '' multiple time this month XXXX XX/XX/XXXX. I've also been contacting XXXX XXXX on behalf being the company that submitted my account to collections. I spoke to a representative from XXXX and my account was never supposed to go into collections. XXXX XXXX on the other hand wants to hold my account and will not remove it from my credit report because there saying they don't have the capability even though they do. Now I've spoken to XXXX and they are submitting a courtesy deletion to XXXX XXXX to remove the account from my report. I believe XXXX XXXX will not remove it and want to hold my account just because they can and it is very frustrating. I've submitted disputes to all three credit holders XXXX, XXXX, and TransunionXXXX XXXX investigated it and removed it from there end, now Transunion updated my information but didn't remove it. Why would XXXX remove it but Transunion not. I am currently trying to buy my first home and need this removed from my credit report so I can qualify for my home. I've had this account paid off since XXXX. Please help me.
Consumer complaint received 2019-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: VANGUARD FUNDING LLC (CA)

On XX/XX/2019, I received a letter from Vanguard , Inc. stating that they were going to transfer my Investor Shares in the XXXX XXXX XXXX XXXX to XXXX XXXX in the XXXX XXXX XXXX XXXX. I called them on XX/XX/XXXX and told that I did not want my shares transferred. They did so anyway. I wrote a letter of complaint, but they would not return my shares to XXXX XXXX which I purchased earlier this year. This is fraud. I complained to the XXXX, FTC, and econsumer.gov. Vanguard responded to the complaints with letters. They are attached. They state that they transferred my shares without my permission because the expense ratio was less. I do not care about the expense ratio. I purchased {$3500.00} in investor shares earlier this year and I want them returned to the investor shares.
Consumer complaint received 2021-12-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

XX/XX/2021, {$680.00}, Portfolio Recovery Associates is trying to collect a debt that I will not pay. I have never agreed to pay a debt with this debt collector. I have not signed any documents stating that I agree to pay Portfolio Recovery {$680.00} cents. Portfolio Recovery Associate I refuse to pay a debt that you claim I owe your company. You do NOT have my WRITTEN SIGNATURE show that I agree to pay Portfolio Recovery any amount of money. Cease further communication with me. 15 U.S code 1681c ( c ) clearly states the law on communication with the CONSUMER. I have all the documents that Portfolio Recovery has mailed to me that show the incorrect address. I have documents asking me to file out a documents for fraud. These documents are clear violations of the Fair Debt Collection Practices Act. 15 U.S code 1692.
Consumer complaint received 2022-03-26
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. (MD)

I have sent multiple letters to Equifax ( XX/XX/2021, XX/XX/2021 as well as others ) asking to prove or remove inaccuracies on my credit report. I never received proper validation nor was the errors on the accounts removed. 

Please see attachment for latest letter sent to Equifax.
Consumer complaint received 2021-12-10
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. (MN)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Credit Karma sent me a notice that my credit score had dropped over XXXX points due to missing payments on a XXXX XXXX XXXX account. I have never opened a XXXX  account and do not have a XXXX  card. I noticed this issue on XX/XX/. I filed a dispute to with Credit Karma on XX/XX/. I called XXXX on XX/XX/XXXX  ( was connected with the Fraud department ) to confirm there is no existing account with my SSN and information. I flied a
Consumer complaint received 2021-12-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc. (VA)

Meridian Financial Services , INC has sent several forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. Meridian Financial Services , INC reported a debt to several bureaus resulting in negative marks on my credit violating my rights to privacy as a consumer.
Consumer complaint received 2021-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

On my drive from Virginia to a job interview in Florida my car was repossessed in Georgia where I stopped to sleep. Toyota Financial Services never sent me a letter of demand or plan to sell property before repossession. They never notified me that they issued an order to repossess my car. My car was grabbed on XX/XX/2021 and the person who took it did not notify the police or sheriff which is against the law. Toyota agent told the police that they did not issue the order for repossession on XX/XX/2021 and its in the police report. Toyota informed the police that they received my full payment and a prepayment for XXXX and that the loan is reinstated. I borrowed money from a friend and paid {$2300.00} in full and Toyota accepted it the morning of XX/XX/2021, then 4 days later on XX/XX/2021, I called them for any letter in writing and they emailed me a notice of a plan to sell the property if I don't pay over {$12000.00} by XX/XX/2021 with no reinstatement rights. Toyota gave me the phone number to XXXX XXXX XXXX for any questions about my property inside the car or whereabouts of the car.
Consumer complaint received 2022-03-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

In response to open request XXXX, XXXX, XXXX, that is wonderful that you are still working on this, but unfortunately I am still being taken advantage of. While your investigation is still pending my credit report is still saying the negative items that are inaccurate and it is severely hurting my credit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In addition to that, the investigation has taken well over 30 days. This should be removed from my credit report until further noted and until these items can be verified properly with physical proof. No proof or original documentation has been sent to me nor has any feedback been sent back to me. I demand these negative items be removed per the law that you are in direct violation of. Please note that you had 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of you re-investigation. I am also reporting this miscoduct to all agencies CC 'd on my last response.
Consumer complaint received 2021-12-10
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. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

XX/XX/21 - Paid my XXXX payment to XXXX XXXX ( Proof of the payment was sent to BSI Financial ) XX/XX/21 - my mortgage was changed from XXXX XXXX to BSI Financial Services Since then, BSI financial services has claimed I didn't make my XXXX payment and are demanding I make a double payment to make up for the payment I've already shown to them that I didn't miss.
Consumer complaint received 2019-08-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

ON XX/XX/XXXX I COMPLETED A LOAN MODIFICATION PACKAGED AND FILED IT IN A TIMELY MANNER WITH XXXX XXXX VIA MAIL AND FAX SHE ACKNOWLEDGED RECEIT OF PACKAGE VIA A RETURNED LETTER AND VIA PHONE FROM HER XXXX XXXX OFFICE ON XXXX OF XXXX SOME SEVEN TO EIGHT DAYS PRIOR TO THE XX/XX/XXXX TRUSTEE SALE DATE PRIOR TO THIS LOAN MODIFICATION ON XX/XX/XXXX THE YEAR THAT THE HOMEOWNER BILL OF RIGHTS ( HBOR ) BECAME LAW IN CALIFORNIA I HAD A PREVIOUS MODIFICATION FILED. MY PRINCIPAL BALANCE WAS XXXX ( SEE ATTACHED ) AFTER MY THREE TRIAL PAYMENTS XXXX XXXX XXXX I WAS ON MY WAY TO PAYING OFF MY FAMILY HOME ON A VERY SOLID PAYMENT PLAN THEN THROUGH SOME FRAUD AND DECEPTION NOT HONORING OUR VERBAL CONTRACT I FOUND OUT ON THE WRITTEN CONTACT XXXX XXXX XXXX BALANCE DID NOT REFLECT THE VERBAL NOR THE THREE TRIAL PAYMENTS BALANCE, A DISPUTE ENSUED AND FOR 26 MONTHS ARE BETTER I TRIED TO RESOLVE THIS ISSUE ONLY TO HAVE TO DEAL WITH MUCH MORE SLIPPERY DECEPTIVE AND BIASED BEHAVIOR FROM NUMEROUS SERVICING CHANGES, RELOCATION OF MY FILE TO XXXX XXXX TO XXXX XXXX THEN NUMEROUS P.O.C 'S ( SEE ATTACHED THEN CAME THE ATTORNEYS AND LAF FIRMS. WHICH BY THE WAY RUSHMORE SEEMED VERY DECEPTIVE IN IT RESPONSE TO MY PREVIOUS CFP CASE # XXXX NO MENTION OF THE XX/XX/XXXX SALE DATE SEE ATTACHED DOCUMENTS ...
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We operate a XXXX  dollar business that generates XXXX in revenue monthly. All because of an incompetent representative in the backoffice that decided to flag our brokerage account that we wire to on the daily and weekly basis without doing their research, we are losing money by the day. We make XXXX XXXX  weekly, a Gold Preferred Business Checking client, we collect thousands of dollars in echecks from our merchant that deposits into our bank daily. There was a false flag on the payee account that we send our funds to which belongs to us, that millions of others use and that brokerage holds over several billion in assets. A client made a false complaint back in late XXXX or sometime near XXXX XXXX XXXX that caused this whole commotion. They said one bad apple doesn't ruin the bunch well that isn't true in our case. Our deposit for {$64000.00} in a form of echecks was deposited and cleared, now is being held because of the payee we transfer our funds to?? You would think that this clown would look into our extensive account history dating back from XXXX up until now with this payee that everything checks out as legitimate. This person put a hold and useless investigation that not even managers or supervisors in the fraud department can attempt to resolve. We literally run our business on a daily basis and the last 3 days now this person has caused us to miss out on 6-7 figures in weekly revenue. Unbelievable. This is how you treat a business client who has been banking with you guys for over a year due to a false report in the wire system?? Are you kidding me!!? I have already filed a XXXX  complaint as well. I have talked to over six representatives and their supervisors/managers and not even they can resolve the issue. It is not fair that you prevent us from not only transferring but also halting our business from collecting the echecks? Our clients are wondering what the XXXX is going on as the funds have been collected and we have not responded to the status of their orders. We are still recovering from this financial crisis and this person that is " investigating '' and puts their own notes is preventing us from moving forward. Our balance is now depreciating rapidly and will soon be negative thanks to the " Smart '' person in the department that claims they are trying to protect us which in reality is hurting us. This needs to be addressed now, we love this bank but those are all swaying to the other side now due to just one XXXX  person.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

For the last XXXX of months whenever I try to log into my XXXX Credit Card account, managed by Synchrony Bank, I am unable to log in and manage my account due to errors with their sending a security code to my cell phone. They continue to show an old landline number for my account on the log in page. They say they have removed the landline number, but in fact they have not. They say they have reset the page but they have not. 

I believe this is a deliberate attempt by Synchrony Bank to force customers to make payments " as a guest '' instead of being able to log in and see details of their accounts.
Consumer complaint received 2021-12-10
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 — Investigation took more than 30 days
Company: Rausch Sturm LLP (FL)

I closed My XXXX XXXX account after 20 years of on-time payments due to them dropping My spending limit from {$50000.00} to {$500.00} for NO reason. The XXXX  card costs {$550.00} annually, so I asked for My annual membership fee back. They sent a check, I deposited it. 3 months later I get a statement for {$660.00}? I closed the account on XX/XX/20, Inquired about the debt, they said they sent a " Second Check '' that was cashed? That never happened! I asked to have an image of both signed checks sent to Me and they never did and still have not. It was sent to a debt collector and My credit is still suffering because of their mistake. I hired a lawyer to force the end of this and he got nowhere as well. I have sent letters to corporate, no reply, spent hours on the phone, hired a lawyer with no progress. I have spent more money proving My position and it is still costing Me money every month on other accounts because of My credit rating. 
Please Help!
Consumer complaint received 2024-05-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (TX)

XX/XX/year> I tried to access my XXXX. It is with Optum Bank. I was on the phone with their XXXX-XXXX  " customer service '' for nearly an hour. After repeating myself several times, I finally got a " supervisor '' who asked the same XXXX  questions, even after I told him repeatedly the answers. He was going to send me an email to access my account, but " his back-office was down ''. My login and my password is saved in my computer, but the next screen is a VAGUE challenge question that I have never seen. REPEATEDLY TOLD BOTH " CUSTOMER SERVICE '' REPS THIS. 

Now after reading hundreds of horrible reviews on line, I find out that they are likely charging me a service fee each month on an account I can't even access. 

Your next page asks for an account number ( on a billing statement ). I HAVE NEVER RECEIVED A BILLING STATEMENT!!!!!!
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX  Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX