davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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. (LA)

XX/XX/2022 I put an add on XXXX XXXX to sell a XXXX to cover cost for my sons upcoming school year. XXXX XXXX going by the name XXXX contacted me through messenger wanting to buy the item. She ask if I had XXXX, I said to myself, well yea through my bank which only used once. Through my bank=safe, I thought. She sent i a {$500.00} payment using the email XXXX. I received an email saying from XXXX, right away, it said my payment was pending but I had to ask for another {$400.00} from her/him to make my account that only had {$180.00} to be able to get my money. So I messaged her/him back and she sent {$400.00} so it was a total of {$900.00} and I had to send her back the {$400.00} in order for the {$500.00} to be credited to my Chase account. So I XXXX her what I had which was {$180.00} and was gonn send the other {$220.00} via XXXX. But my husband snooping around me mentions that it seems like a scam to me. And so I ask if she/he can send me the money back and we just go everything through XXXX or meet up because she/he said they lived close by and when I sent that message she/he never responded. I immediately called my bank for help and they tell theres nothing they can do. So now my account is in the negative and I just hate that this has happened to me!!!!!
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I thought I fixed this problem with compliant XXXX but it appears that I was not! 

My name has a " XXXX '' on the end in XXXX system but that should not be there. Apparently, XXXX did something where I see the correct name but they can still see that my name has a " XXXX '' at the end. 

In addition, they remove my ability to do disputes online. This is important since when disputing, I see the info that the representatives see, meaning I could see the " XXXX '' at the end. 

I'm am going to consistently report my frustrations to CFPB until they fix it and link every complaint from now on starting with complaint XXXX https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-detail # XXXX
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

tbom/contfin is reported on my Transunion, XXXX, XXXX XXXX. I have disputed multiple times without any change. pl\Please remove the incorrect item from all three bureaus. 

XXXX XXXX is listed on my Transunion and XXXX in error. I have also disputed with Transunion and XXXX with no results. Please remove these incorrect items.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2022 three unauthorized transactions were made online using my debit card account. 
Those transactions were made on XXXX XXXX Transaction # 1 - {$120.00} Transaction # 2 - {$63.00} Transaction # 3 - {$25.00} I didnt get any notification from Chase letting me know about these transactions. 
I got just one text message for a transaction # 4 - {$63.00} I declined this transaction, and I called the Chase Customer Service to dispute these charges. 
The opened a Dispute Case to resolve this issue. I cancelled my debit card and Chase sent me a new card. 
Also, I got an email from Chase letting me know that XXXX XXXX was added into my wallet. I declined this action because I dont have XXXX XXXX. 
I informed Chase about this fraud as well. 
On XX/XX/2022, Chase got reversed these money from my account and took {$210.00} I called Chase Dispute Service and I asked why this money was reversed from my account and they said that they couldnt prove these transactions were fraudulent. I explained that I didnt make these transactions. 
They said that I need to prove ithow I can prove something like that? 
I just got ONE text message notification and one email, nothing else.

I went to Chase and talked to the manager. He was very helpful and called Dispute Service Team. He got the same answers, that I need to prove I didnt make these transactions. 
Chase dont want to collaborate with me. They took {$210.00} out of my account, and I didnt make these transactions. 
Also, I called the Compliance number, and I got the same answer. They say I need to fax documents that proves I didnt make those transactions, when I asked what documents they said we dont know. 
I am very frustrated!!!
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (VA)

The company is Rocket Mortgage. I went onto my mortgage account page and was immediately stunned because there was a big change in my monthly payments. 

I contacted Rocket Mortgage and was told that what happened is that they accessed my escrow, mainly the county taxes on a way lower tax amount then they should have and that I will either need to pay a lump sum of what I owe or pay it spread out over 12 months. Now my monthly mortgage payment is way higher then expected which is going to cause a definite hardship to my life. 

Now my new monthly payment which is coming up in XXXX, is being based off of this much higher tax amount PLUS the large shortage. The large shortage is in the amount of {$4200.00}. 

Before this change my monthly payment was {$550.00} and now its a whopping {$1100.00} because I can not afford to pay the {$4200.00} in a lump sum payment so now it's going to be spread over 12 months on top of my higher tax rate. 

So now I'll be struggling for an entire year because I have utilities, credit card bills, car payments to pay on top of this. Not sure how I'll even afford to eat. 

My new Mortgage payment would have been around {$790.00} ( affordable ), if they had calculated more accurately on taxes. Now I must play catch-up and pay {$1100.00} every month for an entire year to pay the {$4200.00} off. 

If this was a small change it wouldn't be much of a problem but I feel like this is a large difference and due to rocket mortgage I now have to struggle to keep my home.
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Follow-up to complaint XXXX Wells Fargo has neglected to provide the documents that were subpoenaed. I spoke with a XXXX XXXX who stated that no documentation was provided by the borrower ; however after thorough review of the documents that Wells Fargo would release, it appears that is not true. In addition to failing to comply with a court ordered subpoena, Wells Fargo has also stated that in order for me to obtain any additional information, including what is listed in the original subpoena, i must provide a new subpoena due to change in counsel. This is absolutely not true and is a waste of time and money as the case has not changed and a substitution of counsel has been submitted. I have sent an appeal letter to Wells Fargo requesting these docuemts. 

As an equal co-owner of the property, I have interest in this property and was never made aware, nor did i authorize, the unilateral forbearance or payment deferral that was initiated by my husband, XXXX XXXX. While I am on the deed and mortgage, i am not on the note ; however his unilateral actions have incurred debt on a jointly owned property. 

I would also question Wells Fargo 's process for determination as well as decision to grant any type of COVID-19 hardship loss mitigation option as the note holder, XXXX XXXX , as he has not had any type of COVID-19 hardship. He has a surplus of funds for XXXX, XXXX and XXXX and was more than capable of paying the mortgage monthly. His suspected fraudulent activity has increased debt to a jointly owned property. 

I would also like this forwarded to XXXX XXXX. 

See attached documentation. 

Thank you.
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

I have been seeing this on my credit report from XXXX regarding two account for over {$300.00} and {$600.00}. I still haven't received a verification of debt and I don't believe this is legitimate.
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C. (OH)

on XX/XX/XXXX XXXX XXXX XXXX sent me a letter regarding my dispute i open with them on the incorrect balance they stated i owe of {$2400.00}. 


on XX/XX/XXXX i sent in require information of the update lease i last sign with my landlord at the time. 

the last lease i sign with XXXX XXXX XXXX was XX/XX/XXXX with me and my daughter listed. My rent was {$0.00}, ( i live on a base income apartment ) I made a phone call to XXXX XXXX on XX/XX/XXXX trying to get this resolve and settle, she stated she never look into the information that was sent in by me she sent it over to the client that stated my balance was correct. 

she also stated she can not help me and that she do not work for me and she was over talking me, it was a lot of over talking each other. 


I also tried to resolve and get a better understanding on the balance that was submitted that they stated i owed i contacted XXXX. XXXX today XX/XX/XXXX she stated that she could not give me a break down of the amount that they stated i owe them she also hung up on me with stating for me to not call back.
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Hallstrom Law Firm PLLC (AZ)

I received dispute results on XX/XX/2022 about this alleged account. This company has never contacted me in writing regarding an alleged debt. Furthermore, this company has not provided me with the following : 1 ) A signed contract for debt from the alleged original creditor, nor 2 ) Any and all signed sale/assignment contracts regarding the alleged account from the alleged original creditor to the buyer/assignee ( Hallstrom Law Firm ) ; more specifically, I wish to see just how much was paid from the unspecified alleged original creditor. Per FDCPA. 15 U.S.C. 1692g ( b ), I request validation ( and production ) of all of the records as specified above. In addition to my aforementioned request, I request that there by no contact with neither me, per 15 U.S.C. 1692 ( c ) ; any possible family/associates that may be known to me, see 15 U.S.C. 1692 ( c ) ( b ), nor any known or perceived place ( s ) of employment, see 15 U.S.C. 1692c ( a ) ( 3 ).
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

The Capital One Auto Finance account with the account number XXXX was marked as Charge-off with an identified balance of {$15000.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's XX/XX/2019.
Consumer complaint received 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

When purchasing vehicle with original creditor ( US auto sales ), it included a warranty with a third party company that terminated early, due to original creditor 's negligence on making timely payments to warranty company. Original creditor abruptly ceased all business and sold my account to Westlake Portfolio Management when filing for bankruptcy and provided no communication that my warranty was no longer valid. Upon my discovery today, while experiencing trouble with my vehicle, XXXX XXXX XXXX XXXX, has advised me this is a matter I need to resolve with my finance company. Westlake has advised me there is nothing they will do to assist and the responsibility falls on me, which is not the contract I originally signed.
Consumer complaint received 2022-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

this is a resubmit with new information added so this is not treated as a dupIicate. they are saying they need more information on an account they are already reporting which makes no sense so i will attach A PAGE FROM MY CREDIT REPORT DIRECTLY. I have been dealing with a company reporting on my equifax credit report which has already been deleted last July for failure to validate however equifax has allowed them to continue to keep reporting even after deletion even doing so without proper notice per us code1681i I have asked on numerous occasions to mail me documents pertaining to this deletion for confirmation and for my records and I have not received such. And it has been over 60 days on when calling they force to sit on hold in hopes to get you to use the faulty online dispute system the company name in question is XXXX XXXX. XXXX  XXXX  is submitting invalid reporting Us code 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency
Consumer complaint received 2022-08-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (NV)

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 To whom it may concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following allege account ( XXXX ) is listed as a collection with a PAST DUE BALANCE OF Account 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 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 



This is a violation of the FCRA and is also in violation of requisite XXXX XXXX compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-24
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: EQUIFAX, INC. (FL)

I wrote a letter to all the credit bureaus early XXXX and still have not gotten a response so here I am reaching out to you all now because I need help. I do not want to take legal matters so I will explain whats happening. The credit bureaus are furnishing fraud and wrong information on my credit files. They are also breaking the law per 15 USC 1681B " I did not authorize thus companies to furnish any information '', let alone FALSE INFORMATION AT THAT! I will give the bureaus one more chance in resolving this issue.
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch (IL)

After being intimidated with a court summons ( 2020 during the pandemic ) left at my door, and my XXXX nephew retrieve it as I wasnt home. I went to XXXX court to see what it was about sat on XXXX for 2 hours, no one ever showed up, so I contacted XXXX XXXX directly. 

I tried working out a settlement, NO YOU HAVE TO PAY IN FULLSo I did my best I paid more than half of the balance due and just couldnt afford it anymore. As many people struggled during the pandemic, I just didnt have the money to give and still dont. I reached out to them again ( 2021 ) asking if the payments I made could clear the debt never heard back. 

Now as of recently, they have frozen my bank account for this debt, how is that legal and how am I supposed to pay bills if my account is frozen? I know they are money hungry and dont care about people, but people are struggling, high inflation, gas, low to no pay and you freeze their accounts, such unscrupulous tactics.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Report act XXXX  Account XXXX XXXX XXXX # XXXX XX/XX/XXXX {$570.00}, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX {$12000.00}, XX/XX/XXXX {$12000.00} has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-08-31
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)

TransUnion reported a new XXXX card issued to me on XXXX XXXX. Contacted cc company and it doesn't exist to it, due to the special numbers used : Date added XX/XX/2022 Account XXXX XXXX Account number XXXX Type Bank Credit Cards Creditor Address XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX Investigating fraud department adviced to report it as identity theft.
Consumer complaint received 2022-08-31
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. (AZ)

Debt collection account : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Merchant Balance Amount : unknown Collection Balance : {$8800.00} Original Merchant Name : XXXXXXXX XXXX Being reported to Transunion and XXXX XXXX has been disputed due to inaccuracy in XXXX, XXXX, and XXXX of XXXX, via certified mail with return signature receipt ; and the most recent letter sent out around XX/XX/2022. Each letter included specific instructions and request for the account to be accurately verified and validated as pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) by providing copies of original contracts and payment agreements with my signature, and a description of their investigation process to include the name and contact information of the person who was spoken to verify the information and the date of which that person was spoken to. My requests also included instructions for the disputed item to be removed from my credit report if such proof of validation could not be provided. Each of my requests were responded to with computer generated response that stated only that the negatively reporting accounted had be 'verified as accurate ', but no proof or validation of the debt has ever been provided per my instructions. 
Validation requests were also sent to the reporting collection agency, XXXX XXXX XXXX and have been ignored with no response.
Consumer complaint received 2022-08-31
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. (MI)

I have names, addresses, accounts, hard inquires on my credit report that is making it hard for me to get credit that should've been deleted off my credit report. Old information that isn't correct that need to be removed and bankruptcies that should've been removed from my credit reports.
Consumer complaint received 2023-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (IL)

My mother sent me money to Google Pay to help me pay my rent. Google pay asked me to verify and then told me they could not verify my account. After that they sent me an email saying they can not let me get the money off and they are giving it to authorities. Its {$900.00} that they are not giving me. I am me and I have tried to send them anything they needed and they will not give me the money my mother sent me.
Consumer complaint received 2017-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

The is complaint is again Diversified Consultnts for a XXXX bill in the amount of {$980.00}. I have never had phone service with XXXX. I recently reviewed my credit record and noticed the debt. I sent a letter to the company asking for proof of the debt and all a received was a company copy of a bills. I have never received any notice of this debt before contacting the company, I have not heard anything additional from the company either. This is not my account and needs to be removed from my credit file as soon as possible.
Consumer complaint received 2022-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (CO)

Trying to access my account online. The online system for Conns will not allow me to access my account to pay my bill. I am not comfortable with paying my bill without having access to the account balance as I have had issues in the past with payments not credited correctly. I have expressed this concern with Conns and I am receiving 1st payment default notices. They originally claimed the issue would be resolved within 24 hours and I would have access. After another 5 days I am being told they still have not resolved the issue. I want my account on pause until this is resolved and my due date extended due to their mismanagement of their systems. I understand under the Fair Credit Billing Act and Fair Credit Reporting Act they must give me access to this information and are not giving me access.